Chase Digital Services Agreement

Security & Safeguards · Restriction or exception

Announced January 1, 2027 change to Section 9 sign-in rules

A notice at the top says that, effective January 1, 2027, Section 9 (Login Credentials and Other Sensitive Information) is updated so Chase may require you to download and use its mobile application and to use a Trusted Device, as the agreement defines it, to verify your identity. Until you do, Chase may deny access to its Digital Platforms, the Services and your accounts, unless an accommodation is required by law. The document is marked as last updated in October 2026, and the same requirement already appears in the Section 9 text, so the notice flags the change rather than adding a separate rule.

Supporting quotations

Effective as of January 1, 2027:

Section 9 – Login Credentials and Other Sensitive Information – has been updated to incorporate that we may require you to (i) download and use our mobile application, and (ii) use a Trusted Device, as defined in this agreement to verify your identity. Until you do, we may deny access to our Digital Platforms, the Services, and your accounts, unless an accommodation is required by law.

we may require you to download and use our mobile application, and use a Trusted Device, as defined in this Agreement, to verify your identity. Until you do, we may deny access to our Digital Platforms, the Services, and your accounts, unless an accommodation is required by law.

Last updated: October 2026

Qualifications & exceptions

• Effective as of January 1, 2027.
• Access can be denied until you download the app and use a Trusted Device, unless an accommodation is required by law.

Not stated here

• The notice does not say whether the Section 9 requirement can be applied before January 1, 2027, even though the text of Section 9 is already in this document.
• What counts as an accommodation required by law is not described.

Cross-references

• refers to (model-proposed): Chase may require the mobile app and a Trusted Device, and may deny access until you comply — The opening notice announces the January 1, 2027 update to Section 9 and the Trusted Device requirement that Section 9 itself already states.

Legal Rights & Agreement Rules · Context

What the agreement covers: Digital Platforms and Services, including AI

The agreement is between you and Chase (J.P. Morgan Chase). It governs your use, access and management of Chase's Digital Platforms, which the agreement names as Chase Online, Chase Mobile, Chase Business Online, Chase Point of Sale (POS), J.P. Morgan Online and J.P. Morgan Mobile. It also governs the products, services (including Online Services and Mobile Services) and software made available on those platforms and on certain third-party digital platforms that Chase decides from time to time, including products and services that use artificial intelligence and those governed by the Addenda. The agreement is made up of the General Terms and Conditions and the Addenda that follow.

Supporting quotations

which is comprised of the “General Terms and Conditions” below and the Addenda that follow (collectively the “Agreement”)

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

Qualifications & exceptions

• Third-party digital platforms are included only as Chase determines from time to time.
• Terms specific to each Service are in the Addenda.

Not stated here

• The list of third-party digital platforms that count is not given here.

Account & Service Control · Restriction or exception

You agree by enrolling; Services activate only when you take steps

By enrolling in and using the Digital Platforms and the Services, you agree to be bound by the General Terms and Conditions and by the terms specific to each Service in the Addenda. A Service is not activated until you take the necessary steps through one of the Digital Platforms, and any Service you have already activated stays active after you accept this agreement.

Supporting quotations

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

Qualifications & exceptions

• Agreement to the Addenda terms does not itself activate a Service.
• Services already activated remain active.

Legal Rights & Agreement Rules · Restriction or exception

English version controls over the Spanish courtesy copy

The agreement is available in Spanish as a courtesy. If the Spanish and English versions of this agreement or of related documents Chase gives you now or later differ in meaning, the English version is official and prevails, and Chase suggests consulting a translator with questions. Some products and services, including Investment Accounts from J.P. Morgan Securities LLC, are available only in English.

Supporting quotations

is available in Spanish as a courtesy. If there is any difference in meaning between the Spanish and English versions of this Agreement or any related documents we provide you, either now or in the future, the English version is the official document and will prevail. Please consult with a translator if you have any questions. Please note that certain products and services, including Investment Accounts from J.P. Morgan Securities LLC, are only available in English.

If there is any difference in meaning between the Spanish and English versions of this Agreement or any related documents we provide you, either now or in the future, the English version is the official document and will prevail.

Qualifications & exceptions

• Applies to the agreement and related documents provided now or in the future.
• Investment Accounts from J.P. Morgan Securities LLC are English only.

Legal Rights & Agreement Rules · Context

Arbitration notice points to Section 13 of the General Terms

The opening notice says the agreement contains an arbitration provision covering most disputes between you and Chase about this agreement, and tells you to read it because it affects your rights. It cites the provision as Section 13 of the General Terms and Conditions. In the document's own headings, Section 13 is titled No Warranties by J.P. Morgan Chase and the heading titled Disputes and Arbitration is numbered 14, so the cited number does not match the arbitration heading. This analysis reports the citation as written and does not decide which section is meant.

Supporting quotations

This Agreement contains an arbitration provision that covers most disputes between you and us regarding this Agreement. Please read the arbitration provision set forth in Section 13 of the General Terms and Conditions as it affects your rights under this Agreement.

Qualifications & exceptions

• The notice says the provision covers most, not all, disputes about this agreement.

Not stated here

• Whether the notice means the section headed Disputes and Arbitration is not stated in the notice.
• The arbitration terms themselves are analyzed from their own section.

Legal Rights & Agreement Rules · Context

Investment Account is defined as certain non-FDIC insured products

The notice defines Investment Account(s) as certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates. The definition says these may include bank-managed accounts and custody, trust and fiduciary services, and brokerage and advisory accounts offered through J.P. Morgan Securities LLC. The next sentence in the document says that this language does not explicitly reference JPMorgan Wealth Management.

Supporting quotations

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

This language does not explicitly reference JPMorgan Wealth Management.

Qualifications & exceptions

• Defined as including certain products; the list is introduced with may include.

Not stated here

• The document does not say who wrote the sentence about JPMorgan Wealth Management or what rule it is meant to support.

Cross-references

• contrast (model-proposed): Glossary: Mobile Services, Online Services and Investment Account(s) — The opening notice and the Glossary each define Investment Account(s) as certain non-FDIC insured products, but word the custody and trust and fiduciary services portion differently. The document does not reconcile the two wordings.

Account & Service Control · Procedure

Where to find the agreement later and who to call

Chase suggests reading the agreement carefully and printing a copy. You can look at it again at any time under the Legal Agreements & Disclosures tab within the website or mobile application you are using. For questions about the Digital Platforms or Services, the notice gives the phone number (877) CHASEPC (877-242-7372).

Details not recorded for this card

Supporting quotations

You may refer back to it at any time by accessing the Legal Agreements & Disclosures tab within the website or mobile application that you are accessing.

please call (877) CHASEPC (877-242-7372).

Legal Rights & Agreement Rules · Context

Agreement layout: General Terms, a Glossary and service Addenda

The table of contents shows that the agreement has two parts: the General Terms and Conditions, followed by a Glossary and then separate Addenda for individual Services. The Addenda listed in this part of the contents are Access and Security Manager Online Service, Account Aggregation Service, ACH Collections Service, ACH Payment Services, Bill Payment Service, Bill Pay Directory Service, Chase and J.P. Morgan QuickDeposit for Mobile and Chase QuickDeposit Classic for Business Banking. The earlier notice says you accept the terms of each Service's Addendum when you enroll, so a Service's own Addendum applies on top of the General Terms.

Supporting quotations

GENERAL TERMS AND CONDITIONS

GLOSSARY

Addendum: Access and Security Manager Online Service

Addendum: Account Aggregation Service

Addendum: ACH Collections Service

Addendum: ACH Payment Services

Addendum: Bill Payment Service

Addendum: Bill Pay Directory Service

Addendum: Chase and J.P. Morgan QuickDeposit for Mobile

Addendum: Chase QuickDeposit Classic for Business Banking

Qualifications & exceptions

• This is a contents list; the operative terms are in the sections it names.

Not stated here

• The contents list continues beyond this part of the document and names further Addenda.

Legal Rights & Agreement Rules · Context

General Terms cover mobile, AI, liability, arbitration, privacy and termination

The General Terms and Conditions are listed with numbered topics including Mobile Services, Artificial Intelligence Features, Records and Communications, Cutoff Times, Notices and changes in terms, Login Credentials, Limitation of Liability, Disputes and Arbitration, Privacy, Indemnity, Intellectual Property, Termination and Suspension, and Governing Law. This list only names the topics; what each section says is in the section itself.

Details not recorded for this card

Supporting quotations

Mobile Services

Artificial Intelligence Features

Cutoff Times

Notices Associated with Electronic Communications, Change in Terms of this Agreement, or New Features

Login Credentials and Other Sensitive Information

Limitation of Liability

Disputes and Arbitration

Privacy

Indemnity

Intellectual Property

Termination and Suspension; Assignment; Survival

Governing Law

Qualifications & exceptions

• Contents entries only; they carry no obligations of their own.

Account & Service Control · Restriction or exception

Some Addenda split terms between business and consumer accounts

The contents show that several Addenda separate their terms by account type. The Access and Security Manager Online Service has terms for both business and consumer accounts, additional terms for business accounts only, and a section on additional terms for consumer accounts. The Bill Payment Service has terms only for bill payments for consumer accounts and others only for business accounts, and a Bill Pay Guarantee for online and mobile bill payments and payments to a Chase loan or credit account made from a J.P. Morgan Chase checking account. The business-accounts-only heading refers the reader to Section 6 below for consumer-account terms, and the contents list the Section 6 entry in that Addendum as Links to Consumer Accounts.

Supporting quotations

Changes to Existing Account Documentation

ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS ONLY (See Section 6 below for Additional Terms and Conditions Applicable to Consumer Accounts Only)

ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO CONSUMER ACCOUNTS

Links to Consumer Accounts

ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR CONSUMER ACCOUNTS.

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

ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR BUSINESS ACCOUNTS

Qualifications & exceptions

• Which terms apply depends on whether the account is a business account or a consumer account.
• The Section 6 reference sits in the Access and Security Manager Addendum.

Not stated here

• The terms those entries name are not supplied here in the contents list; the Addendum text itself says what they provide.

Legal Rights & Agreement Rules · Context

Contents continue with QuickDeposit Classic, Fraud Protection and Gifting Addenda

This part of the table of contents lists the sections of the Chase QuickDeposit Classic for Business Banking Addendum (including Deposit Limits, Item Processing and Cancellation or Termination of Service) and the Fraud Protection Services Addendum, whose sections cover Eligibility, Activation, the Positive Pay Service, the Reverse Positive Pay Service, the ACH Debit Block Service, Unavailability of Service/Alternative Service, a Disclaimer and Definitions. It also lists the start of the Gifting Service Addendum. These are contents entries that name the Addenda; the terms are in the Addenda themselves.

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Supporting quotations

Chase QuickDeposit Service

Deposit Limits

Item Processing

Cancellation or Termination of Service Addendum: Fraud Protection Services

Eligibility

The Positive Pay Service

The Reverse Positive Pay Service.

ACH Debit Block Service

Unavailability of Service/Alternative Service

Disclaimer

Addendum: Gifting Service

Qualifications & exceptions

• Contents entries only; they carry no obligations of their own.

Not stated here

• The contents list continues in the next section of the document.
• The terms those entries name are not supplied here in the contents list; the Addendum text itself says what they provide.

Legal Rights & Agreement Rules · Context

Contents list the payment, wallet, subscription and Zelle Addenda

The rest of the table of contents names the Invoicing Service Addendum; the Online Wire Transfer and Chase Global Transfer Services Addendum (with a section on protecting yourself against wire scams and one on consumer international funds transfers); the PayPal Provisioning Platform Terms; the Real-Time Payments Service Addendum; the Terms & Conditions for Canceling Subscriptions; the Terms Applicable To Your Use of Digital Wallets with Chase Cards; the Transfers Service Addendum; and the Zelle Service Addendum. These are contents entries that name the Addenda; the terms are in the Addenda themselves.

Details not recorded for this card

Supporting quotations

Addendum: Invoicing Service

Addendum: Online Wire Transfer and Chase Global Transfer Services

Protect Yourself Against Wire Scams

Consumer International Funds Transfers

Addendum: PayPal Provisioning Platform Terms

Addendum: Real-Time Payments Service

Addendum: Terms & Conditions for Canceling Subscriptions

Addendum: Terms Applicable To Your Use of Digital Wallets with Chase Cards

Addendum: Transfers Service

Addendum: Zelle® Service

Qualifications & exceptions

• Contents entries only; they carry no obligations of their own.

Not stated here

• The terms those entries name are not supplied here in the contents list; the Addendum text itself says what they provide.

Legal Rights & Agreement Rules · Context

Individual Addenda carry their own liability, privacy, disputes and account-type terms

The contents show that several Addenda have sections of their own on matters the General Terms also cover. The Invoicing Service, the Digital Wallets terms and the Zelle Service each list a limitation of liability or no-warranties section; the Digital Wallets terms list Governing Law and Disputes; the Zelle Service lists Binding Arbitration and No Purchase Protection; the Transfers Service has Guarantees and separate consumer-account and business-account sections; and the Zelle Service has additional terms applicable only to business accounts. The contents do not show how these interact with the General Terms.

Supporting quotations

Limitation of Liability; No Warranties Addendum: Online Wire Transfer and Chase Global Transfer Services

Governing Law and Disputes

Limitation of Liability; No Warranties

Additional Terms Applicable Only to Payments and Transfers For Consumer Accounts

Our Guarantees

Additional Terms Applicable Only to Payments and Transfers for Business Accounts

Limitation of Liability: No Warranties

Binding Arbitration

No Purchase Protection

ADDITIONAL TERMS APPLICABLE ONLY TO THE SERVICE FOR BUSINESS ACCOUNTS

Qualifications & exceptions

• Contents entries only; the Addenda text says what each section provides.
• The Transfers Service and Zelle Service split terms between consumer and business accounts.

Not stated here

• How an Addendum section relates to the matching General Terms section is not stated in the contents list.
• The terms those entries name are not supplied here in the contents list.

Account & Service Control · Restriction or exception

Using or letting anyone use the platforms means you accept the agreement

The agreement sets the terms for your enrollment in and use of the Digital Platforms and Services. When you use or access them, or permit any other person or entity to use or access them on your behalf, you agree to the agreement, and by using them you acknowledge that you have read, understand and agree to follow it. If you do not agree, you may not use or access the Digital Platforms or the Services.

Supporting quotations

When you use or access, or permit any other person(s) or entity(ies) to use or access the Digital Platforms or Services on your behalf, you agree to the terms and conditions of this Agreement. By using or accessing the Digital Platform and the Services, you acknowledge that you have read, understand, and agree to abide by the terms and conditions of this Agreement. If you do not agree to the terms and conditions set forth herein, you may not use or access the Digital Platforms or the Services.

Qualifications & exceptions

• Acceptance extends to use by anyone you permit to use or access the platforms on your behalf.

Legal Rights & Agreement Rules · Restriction or exception

Account agreements and other documents control in a direct, irreconcilable conflict

You also agree to follow other written requirements Chase provides in connection with the Digital Platforms, Services or Products, including terms in account agreements, loan documents, cardmember agreements, EULAs and privacy policies (the Other Documents), and all applicable state, federal and international laws and regulations. If there is a direct and irreconcilable conflict between this agreement and the Other Documents, the Other Documents control unless this agreement specifically says otherwise. The agreement is not meant to modify the Other Documents, which continue to apply to your accounts.

Supporting quotations

such other written requirements as we may provide in connection with the Digital Platforms, Services, or Products, including all terms and conditions contained in any account agreements, loan documents, cardmember agreements, EULA, and privacy policies (collectively, the "Other Documents"); and (b) all applicable state, federal and international laws and regulations. To the extent there is a direct and irreconcilable conflict between this Agreement and the Other Documents, the Other Documents shall control unless this Agreement specifically states otherwise.

This Agreement is not intended to modify the Other Documents and the Other Documents will continue to apply to your accounts.

Qualifications & exceptions

• The Other Documents win only in a direct and irreconcilable conflict.
• An exception applies where this agreement specifically states otherwise.

Not stated here

• The Other Documents themselves are not part of this document, so what they say cannot be described here.

Legal Rights & Agreement Rules · Restriction or exception

This agreement outranks employee statements; third-party services have their own terms

If the agreement conflicts with statements made by one of Chase's employees or by its affiliates' employees, the agreement governs. When you use services or features that are available through the Digital Platforms but provided directly by third parties, your use is also governed by the agreements and other terms of those third parties.

Supporting quotations

If this Agreement conflicts with any statements made by one of our employees or by our affiliates’ employees, this Agreement will govern. When using other services or features available through the Digital Platforms but provided directly by third parties, your use of such services or features will also be governed by the agreements and other terms or conditions with such third parties governing use of those services or features.

Qualifications & exceptions

• Third-party terms apply in addition to this agreement for services provided directly by those third parties.

Not stated here

• The third-party terms are not part of this document.

Account & Service Control · Company practice

Services, fees and eligibility can differ by location

The Services, along with the fees, charges, interest rates and balance requirements tied to them, may differ among geographic locations, and not all Services are offered everywhere, so you may not be eligible for every Service. Chase reserves the right to determine your eligibility for any Service. Offering the Services through the Digital Platforms is not a solicitation to use them in jurisdictions where providing them is prohibited by law.

Supporting quotations

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

Qualifications & exceptions

• Eligibility for each Service is decided by Chase.

Not stated here

• Which locations or Services are affected is not stated here.

Legal Rights & Agreement Rules · Context

How capitalized terms, headings and wording are read

Capitalized terms have the meaning given in the General Terms, the applicable Addendum or the Glossary, and terms used but not defined take their meaning from the Other Documents. Words like "herein" refer to the agreement as a whole, titles and captions are for convenience and do not limit the scope or intent of any provision, and include or including is exemplary and not exclusive even without the phrase without limitation. Plurals include singular forms, "or" and "and/or" are treated as accurate unless context suggests otherwise, and each covenant is a separate and independent covenant. The Spanish courtesy copy does not control: if the Spanish and English versions differ, English prevails.

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Supporting quotations

Unless otherwise defined within these General Terms and Conditions or the applicable Addendum, capitalized terms have the meanings given to them in the Glossary.

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

The words “include,” “includes,” and “including” will be deemed to be exemplary and not exclusive

The use of “or” and “and/or” shall be deemed to be accurate throughout this Agreement unless the context suggests otherwise.

Each covenant and agreement will be construed for all purposes to be a separate and independent covenant or agreement.

the English version is the official document and will prevail.

Except as otherwise provided, the terms “hereby,” “herein,” “hereof,” “hereto,” “hereunder,” and similar terms refer to this Agreement as a whole

Defined terms include the plural as well as the singular

Qualifications & exceptions

• Titles and captions carry no limiting force under this clause.
• Spanish and English: English is the official version.

Account & Service Control · User right or choice

Mobile Services messages go through your carrier as your agent; keep contact details current

You agree that Chase may send you information about the Mobile Services through your Communication Service Provider, and that the provider is acting as your agent. You agree to give Chase a valid phone number, email address or other delivery location for that information, including information about your applicable account or Card. You must immediately notify Chase if a phone number or email address you provided is surrendered or changed by you.

Supporting quotations

You agree that we may send you information related to the Mobile Services through your Communication Service Provider and that your Communication Service Provider is acting as your agent in this capacity. You agree to provide a valid phone number, email address or other delivery location so that we may send you information related to the Mobile Services, including information about your applicable account or Card. You will immediately notify us if any phone number or email address you have provided is (a) surrendered by you, or (b) changed by you.

Qualifications & exceptions

• Applies to information related to the Mobile Services.
• The duty to notify is triggered when you surrender or change a phone number or email address you provided.

Security & Safeguards · Context

Mobile Services may be unencrypted and delivery can be delayed

You understand and agree that the Mobile Services may not be encrypted and may include personal or confidential information about you, such as your account activity or status. Delivery and receipt of information, including Instructions and other instructions about move money transactions through the Mobile Services, may be delayed or affected by your Internet or Communication Service Providers, other parties or other reasons outside Chase's control. There may also be a disruption when you change your Internet Service Provider or Communication Service Provider.

Supporting quotations

the Mobile Services may not be encrypted and may include personal or confidential information about you, such as your account activity or status. Delivery and receipt of information, including Instructions and/or other instructions regarding move money transactions through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet Service Provider(s), Communication Service Provider(s) or other parties, or because of other reasons outside of our control. You also understand that there may be a disruption in service when you change your Internet Service Provider(s) or Communication Service Provider.

Qualifications & exceptions

• Applies to the Mobile Services, including move money instructions sent through them.

Security & Safeguards · Restriction or exception

No promise the platforms work with your phone; jailbroken devices not allowed

Chase does not warrant that the Digital Platforms or Services will be compatible with your mobile device or carrier, and your use may also be subject to your agreements with your device manufacturer or carrier. You may not use a modified device if the modification is contrary to the manufacturer's software or hardware guidelines, including disabling hardware or software controls, sometimes called jailbroken.

Supporting quotations

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

Qualifications & exceptions

• The ban applies to modifications contrary to the manufacturer's software or hardware guidelines.

Account & Service Control · Restriction or exception

Marketing and offers on Mobile Services are for U.S. customers only

Marketing or offers that appear on the Mobile Services are intended for U.S. customers, are valid only in the U.S. and only where allowed by state law. Chase does not extend marketing or offers into foreign jurisdictions where they may be prohibited.

Supporting quotations

any marketing or offers that appear on Mobile Services are intended for U.S. customers, are only valid in the U.S., and only valid where allowed by state

law. We do not extend marketing or offers into foreign jurisdictions where they may be prohibited.

Qualifications & exceptions

• Valid only in the U.S. and only where allowed by state law.

Account & Service Control · Restriction or exception

Mobile Services may offer fewer Services, different information and slower processing

Not every Service or Product, or every function described on Chase's websites, may be available on a mobile device, so you may not be eligible to use them there, and Chase reserves the right to determine your eligibility. Information on the Online Services, including account balance, Transfer and payment information, may not be available through the Mobile Services, may differ, may use different terminology or may be more current. Entering Instructions through the Mobile Services may work differently from the Online Services, and processing of Instructions may take longer.

Supporting quotations

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

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

Processing of Instructions may take longer through the Mobile Services.

Qualifications & exceptions

• Applies when you use a mobile device or the Mobile Services rather than the Online Services.

Data Access & Collection · Permission or license

You authorize your wireless carrier to share your details with Chase to identify you and fight fraud

You authorize your wireless carrier to use or disclose information about you and your wireless device to J.P. Morgan Chase, directly or through a service provider. Chase may use it for the duration of its relationship with you to help identify you or your wireless device and to help protect against fraud or unauthorized use of its services under the agreement. The details may include, among others, your name, billing address, email, phone number and device information.

Supporting quotations

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

Qualifications & exceptions

• Purpose given: identify you or your device and help protect against fraud or unauthorized use.
• Chase may use the information for the duration of its relationship with you.

Not stated here

• The list of details is introduced with 'among others', so it is not a complete list.

Account & Service Control · Company practice

Alerts are a convenience, not a replacement for statements; you may be auto-enrolled

Alerts are provided for your convenience and do not replace your periodic account statements or other notices, such as trade confirmations for Investment Accounts. They are available only to customers with an eligible account, which includes a Consumer Account, a Business Account, an auto, mortgage or home equity account and Investment Accounts, and may include other accounts Chase decides on later. You may be automatically enrolled to receive certain Alerts.

Supporting quotations

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

Qualifications & exceptions

• Available only to customers who have an eligible account.

Not stated here

• Which Alerts you are automatically enrolled in is not stated.

Use & Processing · Permission or license

By using the Services you agree Alerts may arrive through your carrier at any hour, including 9 p.m. to 8 a.m.

By receiving or using the Services you agree that Chase may send Alert messages through your Communication Service Provider, which acts as your agent. Chase may use a phone number, email address or other delivery location in its records, or contact information you provide. You agree the alerts may be delivered at any time of day or night and specifically consent to receive them between 9 p.m. and 8 a.m. local time. Chase cannot guarantee delivery of email or other electronic notifications, which may be delayed or fail for reasons such as wireless or internet outages or storage limits.

Supporting quotations

we may send messages through your Communication Service Provider in order to deliver them to you and that your Communication Service Provider is acting as your agent in this capacity; (b) we may use a phone number, email address or other delivery location we have in our records for you or other such contact information as you may provide to us for the Service so that we may send you certain information about your applicable account; (c) the alerts may be delivered at any time of the day or night and you specifically consent to receive such alerts between the hours of 9 p.m. and 8 a.m. local time in your location; and (d) we cannot guarantee the delivery of email or other electronic notifications, and delivery may be delayed, fail, or otherwise impacted by many circumstances, including wireless or internet service provider outages, storage limitations or other factors.

Qualifications & exceptions

• Your consent covers delivery between 9 p.m. and 8 a.m. local time in your location.
• No guarantee that email or other electronic notifications arrive.

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.

Use & Processing · Company practice

Some Services use AI and AI may be the default or only way to use them

Certain Services on the Digital Platforms may use artificial intelligence to process your requests, generate responses or assist you in managing your accounts, including investment accounts. Additional account-level restrictions may apply, and AI may be the default or only way to interact with certain Services.

Supporting quotations

Certain Services made available through the Digital Platforms may use artificial intelligence (“AI”) to process your requests, generate responses, or assist you in managing your accounts, including investment accounts. Additional account-level restrictions may apply. AI may be the default or only way to interact with certain Services.

Qualifications & exceptions

• Applies to certain Services, not all; additional account-level restrictions may apply.

Not stated here

• Which Services use AI and what the account-level restrictions are is not stated here.

Legal Rights & Agreement Rules · Restriction or exception

You are responsible for what you tell AI features and for checking what they return

You are responsible for the accuracy and completeness of all information, instructions and requests you submit to Services that use AI, whether the AI feature is optional or required. You are also responsible for reviewing and verifying AI information or responses before you act on them, you should not rely solely on AI for important decisions, and you are encouraged to confirm information independently. You are responsible for decisions you make or actions you take in reliance on AI outputs.

Supporting quotations

You agree that you are responsible for the accuracy and completeness of all information, instructions, and requests you submit to Services that use AI, regardless of whether the AI feature is optional or required. You are also responsible for reviewing and verifying any information or responses provided by AI features before you act on the information or responses. You should not rely solely on AI for important decisions, and you are encouraged to independently confirm any information. You are responsible for any decisions you make or actions you take in reliance on AI outputs.

Qualifications & exceptions

• Applies whether the AI feature is optional or required.

Legal Rights & Agreement Rules · Restriction or exception

AI answers may be wrong and are not professional advice; AI features can change

You understand AI-generated responses may be incorrect, incomplete, out of date or not reflect your intent, and AI features may misunderstand requests, lack context, make mistakes or not work as expected. Chase cannot guarantee that AI outputs on the Digital Platforms will be uninterrupted or error-free. AI outputs are not financial, investment, legal, tax or other professional advice, guidance or recommendations and do not reflect Chase's views or policies. AI features may be updated, suspended or discontinued at Chase's discretion.

Supporting quotations

responses generated by AI may be incorrect, incomplete, out of date, or not accurately reflect your intent. AI features may misunderstand your requests, lack full context, make mistakes, or not function as expected. We cannot guarantee that our AI outputs on the Digital Platforms will be uninterrupted or error-free. AI outputs do not constitute financial, investment, legal, tax, or other professional advice, guidance or recommendations and do not reflect our views or policies. AI features may be updated, suspended, or discontinued at our discretion.

Qualifications & exceptions

• Outputs are not professional advice and do not reflect Chase's views or policies.

Account & Service Control · Procedure

Report wrong AI information or transactions within the time frame in the relevant agreement

You are responsible for reviewing all information, responses and transactions generated or facilitated by AI features. If you believe information or a transaction is incorrect, unauthorized or inaccurate, you must notify Chase promptly through the contact methods and within the time frame stated in your account's relevant agreement or the Service's terms and conditions, including the Addenda.

Supporting quotations

You are responsible for reviewing all information, responses, and transactions generated or facilitated by AI features. If you believe that any information or transaction is incorrect, unauthorized, or inaccurate, you must notify us promptly through the contact methods and within the time frame stated within your account’s relevant agreement or the Service’s terms and conditions, including Addenda to this Agreement.

Qualifications & exceptions

• The contact method and deadline come from the account agreement or the Service's own terms.

Not stated here

• The specific time frames are in other documents or Addenda and are not stated in this section.

Legal Rights & Agreement Rules · Restriction or exception

Chase's records of your Instructions are presumed accurate and binding

Chase's records are presumed to accurately reflect the contents of your Instructions and, unless there is manifest error, are binding and conclusive.

Supporting quotations

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

Qualifications & exceptions

• Does not apply where there is manifest error.

Account & Service Control · User right or choice

Keep a valid email and contact details current; information you give must be complete and accurate

You agree to provide a valid email address so Chase can send information about the Digital Platforms and Services, including to service or manage your accounts. You must immediately notify Chase if a phone number, email address or other contact information you provided is surrendered or changed by you. You also agree that information you provide in connection with this agreement will be complete and accurate.

Supporting quotations

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

You agree that information you provide to us in connection with this Agreement will be complete and accurate.

Qualifications & exceptions

• The duty to notify is triggered when you surrender or change contact information you provided.

Use & Processing · Permission or license

You consent to electronic communications, including from companies working for Chase

You consent to receive electronic communications and disclosures from Chase about the Digital Platforms and Services, including any Card or Chase P3 Card. You agree Chase can contact you by email at any email address you give it in connection with any J.P. Morgan Chase product, service or account, or through the mobile device on which you downloaded the Chase Mobile app, and the contact may come from companies working on Chase's behalf to service your accounts. If you revoke your consent, certain Services may be cancelled, including your P3 activation.

Supporting quotations

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

Qualifications & exceptions

• Revoking consent can cancel certain Services, including P3 activation.

Content & IP Rights · Permission or license

What you send Chase is non-confidential and Chase may use it for any purpose

Unless prohibited by law or the applicable privacy policies, any communication or material you send to Chase through the Digital Platforms, the Services or email is on a non-confidential basis and Chase may use it for any purpose, including reproduction, publication, broadcast and posting.

Supporting quotations

Unless otherwise prohibited by law or the applicable privacy policies, any communication or material you transmit to us via the Digital Platforms, the Services, or email is on a non-confidential basis and we may use such communication or material for any purpose, including reproduction, publication, broadcast and posting.

Qualifications & exceptions

• Does not apply where prohibited by law or the applicable privacy policies.

Not stated here

• The applicable privacy policies are not part of this document, so their limits cannot be described here.

Data Access & Collection · Company practice

Chase monitors, retains and reviews your communications to it

Chase is entitled, and in some cases obligated, to monitor, retain and review all communications to it or made through the Digital Platforms or Services, including by telephone, email and other formats, for reasonable business purposes. The reasons given are to survey the quality of service you receive, assure compliance with the agreement and industry regulations, and maintain the security of the Digital Platforms and Services.

Supporting quotations

We are entitled and, in some cases, obligated, to monitor, retain and review all communications to us or made via the Digital Platforms or Services, including those by telephone, email and other formats, for reasonable business purposes, such as to survey the quality of service that you receive, to assure compliance with this Agreement and industry regulations, and to maintain the security of the Digital Platforms and Services.

Qualifications & exceptions

• Covers communications by telephone, email and other formats.
• Purposes are described as reasonable business purposes, such as service quality, compliance and security.

Not stated here

• How long communications are retained is not stated here.

Use & Processing · Permission or license

Permission to send notifications and to call or text your mobile number, but not for telemarketing

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

Supporting quotations

you agree we may send you emails and other notifications through your mobile device or tablet device regarding benefits and features that you may receive in connection with the Digital Platforms and Services. When you give us your mobile phone number, we have your permission to contact you at that number about all your accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls.

You may contact us at any time to change these preferences or to opt out of these communications.

Qualifications & exceptions

• The call and text consent covers informational and account service calls, not telemarketing or sales calls.
• You can change preferences or opt out at any time.

Account & Service Control · Restriction or exception

Do not send trade orders or transaction Instructions by email or text; Chase will not act on them

You agree not to send securities trade orders or any other transactional instructions, including Instructions, by email, text or other electronic means not designed by Chase to accept them. Chase will not act on instructions sent that way, and because of time zone differences and other reasons may not be able to respond within the time you expect.

Supporting quotations

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

Qualifications & exceptions

• Applies to channels not designed by Chase to accept such instructions.

Account & Service Control · Restriction or exception

Account information on the platforms is a convenience, not the official record

Account information and data on the Digital Platforms or in a Service is provided as a convenience and is not the official record of your account or its activity. Your account statement, sent in paper or electronically if you are enrolled in the Paperless Statements Service, remains the official record. The information is generally updated regularly but is subject to adjustment and correction, so you should not rely on it to take or not take action.

Supporting quotations

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

Qualifications & exceptions

• The account statement, paper or electronic (Paperless Statements Service), is the official record.

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.).

Legal Rights & Agreement Rules · Company practice

Chase can change the agreement and Services at its sole discretion; keeping your Digital Profile means you accept

Chase may amend the terms of the agreement (including fees and service charges or adding new Addenda) or update, discontinue or modify any Digital Platforms, Services or features, including adding new Services, at any time in its sole discretion. If a change would adversely affect you, Chase will notify you in advance unless the change is necessary to comply with a legal requirement or is otherwise permitted by regulation; otherwise it will post the updated terms on the Digital Platforms and may also send email or regular mail unless the law requires a different method. Continuing to have a Digital Profile after the changes is considered your agreement. To shut down your Digital Profile you can call (877) CHASEPC (877-242-7372), and if you find the agreement unacceptable you should stop using the Digital Platforms and Services.

Supporting quotations

We may amend or change the terms of this Agreement (including applicable fees and service charges or adding new Addenda) or update, discontinue or modify any of the Digital Platforms, Services, or features to the Digital Platforms or Services (including adding additional/new Services), at any time in our sole discretion.

If any change would adversely affect you, we will notify you in advance, unless the change is necessary to comply with a legal requirement or as otherwise permitted by regulation.

Continuing to have a digital profile with us (i.e., login credentials that provide access to your account on our Digital Platforms) (“Digital Profile”) after we have made such amendments, changes, new Services or features available will be considered your agreement to the change or addition.

To shut down your Digital Profile please call (877) CHASEPC (877-242-7372).

If you find this Agreement unacceptable to you at any time, please discontinue your use of the Digital Platforms and the Services.

Qualifications & exceptions

• Advance notice is promised only for changes that would adversely affect you, and not where a legal requirement or regulation permits otherwise.
• Otherwise updated terms are posted on the Digital Platforms.

Not stated here

• How far in advance the notice is given is not stated.

Legal Rights & Agreement Rules · Company practice

Chase may send required notices by website, email, text, app message or mail

By using the Digital Platforms and any Service you agree that notices Chase must give you under the agreement may be sent, at Chase's option, in any manner the law permits, including posting on its website or the Digital Platforms, electronic notice to any email it has for you or to another email address or phone number you provide, a message through the Digital Platforms, or mail to the address it has on file.

Supporting quotations

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

Qualifications & exceptions

• Chase chooses which of these methods to use, singly or together.

Security & Safeguards · Restriction or exception

You supply and secure the equipment and software; you accept Internet risks

You are responsible for obtaining, installing, maintaining and operating all Systems needed to access and use the Digital Platforms and Services, including up-to-date web browsers and the best commercially available encryption, antivirus, anti-spyware and Internet security software, and for getting Internet service from the provider of your choice. You acknowledge security, corruption, transmission error and access availability risks of open networks such as the Internet and expressly assume those risks.

Supporting quotations

You are responsible for obtaining, installing, maintaining and operating all Systems necessary for you to access and use the Digital Platforms and Services, up to date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and Internet security software. You are additionally responsible for obtaining Internet services via the Internet Service Provider of your choice.

You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks.

Qualifications & exceptions

• You expressly assume the risks of using open networks such as the Internet.

Security & Safeguards · Restriction or exception

You are responsible for your Systems' data security; Chase does not support them or answer for their failure

You acknowledge you are responsible for the data security of the Systems you use to access the Digital Platforms and Services and for sending and receiving information on them. You confirm you requested access for your convenience, made your own independent assessment of the Internet and Systems and are satisfied with it. Chase is not responsible for errors or problems from malfunction or failure of the Internet or your Systems, for notifying you of upgrades, fixes or enhancements, or for technical or other support for your Systems.

Supporting quotations

You acknowledge that you are responsible for the data security of the Systems used to access the Digital Platforms and Services, and for the transmission and receipt of information using such Systems. You acknowledge that you have requested to use and access the Digital Platforms and Services for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems, and that you are satisfied with that assessment. We are not responsible for any errors or problems that arise from the malfunction or failure of the Internet or your Systems, nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems.

Qualifications & exceptions

• Chase's non-responsibility covers errors or problems that arise from malfunction or failure of the Internet or your Systems.

Security & Safeguards · Restriction or exception

Third-party software links are not endorsed; do not interfere with the platforms

Chase may link to a third-party site where you can download software but does not endorse any specific software, hardware or Internet Service Provider, and your use of them may also be subject to that provider's EULA or other agreements in addition to this agreement. You will not use the Services in any manner that interferes with the operation of the Digital Platforms or the Services.

Supporting quotations

Although we may provide a link to a third party site where you may download software, we make no endorsement of any specific software, hardware or Internet Service Provider and your use of any such software, hardware or service may also be subject to the EULA or other agreements of that provider, in addition to the terms and conditions of this Agreement.

You will not use the Services in any manner that interferes with the operation of the Digital Platforms or the Services.

Qualifications & exceptions

• Third-party software or services are also subject to that provider's own agreements.

Not stated here

• The third-party EULAs and agreements are not part of this document.

Security & Safeguards · Restriction or exception

Keep login credentials confidential; Chase can change Password rules without notice

To prevent unauthorized access, you agree to protect and keep confidential your login credentials and other sensitive information, including Card numbers, account numbers, PINs, user IDs, Passwords or other means of accessing your accounts through the Digital Platforms or Services. Chase may, at its option, change the parameters for your Password without prior notice, and if it does you must change your Password the next time you access the Digital Platforms or Services.

Supporting quotations

you agree to protect and keep confidential your login credentials and other sensitive information. This includes Card numbers, account numbers, PINs, user IDs, Passwords, or other means of accessing your accounts via the Digital Platforms or Services.

We may at our option change the parameters for your Password without prior notice to you, and if we do so, you will be required to change your Password the next time you access the Digital Platforms or Services.

Qualifications & exceptions

• Chase can change Password parameters without prior notice to you.

Security & Safeguards · Restriction or exception

If you give others your credentials or access, including AI agents, you own their transactions and the data use

Losing your credentials or having them stolen or misused could cost you some or all of the money in your accounts, plus any amount available under your overdraft protection credit line if you have a Business Account, or draws on your credit card account, and could let others use your information for fraud, including identity theft. If you disclose your credentials to anyone, including an employee or agent, you assume all risks and losses from that disclosure. If you allow another person or entity, including data aggregation service providers or agents such as AI agents or agentic AI, to use the platforms or Services with your credentials, or to use the Services once you are logged in, you authorize their transactions and activities and are responsible for transactions from your accounts and for any use of your personal and account information by anyone they pass it to.

Supporting quotations

The loss, theft, or unauthorized use of your login credentials and other sensitive information could cause you to lose some or all of the money in your accounts, plus any amount available under your overdraft protection credit line if you have a Business Account, or draws on your credit card account.

If you disclose your login credentials and other sensitive information to any person or entity, including any employee or agent, you assume all risks and losses associated with such disclosure.

you are authorizing any transactions and activities performed by them or with their assistance and are responsible for any transactions and activities performed from your accounts and for any use of your personal and account information by any person or entity to whom they may provide that personal and account information.

Qualifications & exceptions

• The overdraft protection credit line exposure is stated for Business Accounts.
• Responsibility covers anyone to whom the person you authorized provides your information.

Security & Safeguards · Procedure

Tell Chase immediately if you suspect unauthorized access or lost credentials

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

Supporting quotations

you agree to immediately notify us at 877- CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 866-265-1727 or 302-634- 5115 for international clients).

Qualifications & exceptions

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

Account & Service Control · Restriction or exception

Digital access is separate from signature arrangements and can reach accounts a person could not otherwise sign on

Account access through the Digital Platforms or Services is separate and distinct from your existing signature arrangements. When you give another person or entity, including an AI agent or agentic AI, authority to access accounts through the Digital Platforms or Services, that individual or system may have access to one or more accounts to which they would not otherwise have signature access.

Supporting quotations

ACCOUNT ACCESS THROUGH THE DIGITAL PLATFORMS OR SERVICES IS SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR ACCOUNTS. THEREFORE, WHEN YOU GIVE ANY OTHER PERSON(S) OR ENTITY(IES), INCLUDING AI AGENTS OR AGENTIC AI, THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE DIGITAL PLATFORMS OR SERVICES, THAT INDIVIDUAL OR SYSTEM MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL OR SYSTEM WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS.

Legal Rights & Agreement Rules · Restriction or exception

You carry the full risk of misuse of your credentials; Chase may rely on instructions that use them

You assume the entire risk for fraudulent, unauthorized or otherwise improper use of your login credentials. Chase is entitled to rely on the genuineness and authority of all Instructions it receives accompanied by those credentials, and to act on them.

Supporting quotations

YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH LOGIN CREDENTIALS, AND TO ACT ON SUCH INSTRUCTIONS.

Qualifications & exceptions

• Applies to Instructions accompanied by your login credentials.

Not stated here

• This clause does not mention consumer protections that may apply under other documents or law, and none are described here.

Security & Safeguards · Restriction or exception

Credential managers are your choice and Chase takes no responsibility for them

Using credential managers or other services to store or manage your login credentials (for example Passwords and passkeys) is governed by your agreement with that third-party provider. You are solely responsible for choosing and using one. Chase does not endorse, guarantee or assume responsibility for the security or functionality of any such service and is not liable for damages or liabilities related to them.

Supporting quotations

The use of credential managers or other services to store and/or manage your login credentials (e.g., Passwords, passkeys) is governed by your agreement with such third-party service provider. You acknowledge and agree that you are solely responsible for the selection and use of a credential manager or other service to store and/or manage your login credentials. We do not endorse, guarantee or assume responsibility for the security or functionality of any credential manager or other service to store and/or manage your login credentials and we are not liable for any damages or liabilities related to these services.

Not stated here

• The third-party provider's agreement is not part of this document.

Use & Processing · Restriction or exception

AI Agent Terms: third-party agents are governed by their own terms, not Chase's

The AI Agent Terms apply if you use, allow, enable or cause the deployment of an AI agent or agentic AI to access, use or interact with any Services. An Agent means any software or service that takes autonomous, semi-autonomous or non-autonomous action on behalf of, or at the instruction of, any person or entity. Use of Agents to access your accounts, the platforms or Services is governed by that third party and/or your agreement with it. Chase does not provide, control or endorse the Agent, is not responsible for how it operates, its transparency or the AI models it uses, and does not review, audit or certify its security, privacy policies or data handling.

Supporting quotations

The terms in this section (“AI Agent Terms”) apply if you use, allow, enable, or cause the deployment of an AI agent or agentic AI to access, use, or interact with any Services. For the purposes of these AI Agent Terms, “Agent” means any software or service that takes autonomous, semi-autonomous, or non-autonomous action on behalf of, or at the instruction of, any person or entity.

The use of Agents to access or use your accounts, the Digital Platforms or the Services, is governed by such third party and/or your agreement with such third party. You acknowledge that we do not provide, control, endorse, nor are responsible for how the Agent operates or lack of transparency around its operation and any AI models it employs, and we do not assume responsibility for, review, audit or certify its security or privacy policies and data handling practices.

Qualifications & exceptions

• Applies when you use, allow, enable or cause the deployment of an Agent.
• Agent is defined broadly and includes non-autonomous software or services acting on instruction.

Not stated here

• The third party's own terms and your agreement with it are not part of this document.

Sharing & Disclosure · Permission or license

Using an Agent means consenting to share your sensitive account information with it

When you use Agents to access your accounts, the Digital Platforms or the Services, you acknowledge and explicitly consent to sharing your sensitive account information with the Agent. You also acknowledge that Chase's privacy policies do not apply to the Agent and that Chase has no control over how the third party uses, reuses, stores or protects your data.

Supporting quotations

you acknowledge and explicitly consent to sharing your sensitive Account information with the Agent. You also acknowledge that our privacy policies do not apply to the Agent and we have no control over how the third party uses, reuses, stores or protects your data.

Qualifications & exceptions

• Applies when you use an Agent to access your accounts, the platforms or Services.

Not stated here

• What data the Agent receives and how it handles it depends on the third party and is not stated here.

Legal Rights & Agreement Rules · Restriction or exception

Chase treats your Agent's instructions as yours and does not screen them; you answer for the Agent's actions

When you let Agents use the Services with your secure customer credentials, Chase will rely on any instructions or actions by your Agent as if you took them personally, will treat them as evidence of your authorization, and has no obligation to investigate their authority or validity. You must monitor your Agent's activities to keep them within the scope you agreed, Chase will not automatically review or screen Agent activities, including transactions, and you must keep and produce on request your timely revocation of consent to the Agent's actions. You are responsible for actions or transactions the Agent enters or requests and for actions or errors resulting from the Agent's incorrect interpretation or implementation of your instructions, unintended actions or exceeding the authority you gave.

Supporting quotations

When you provide Agents with access or allow Agents to use Services with your secure customer credentials to perform any actions, access, or transactions on behalf of, for, or upon the authority of you on any of Services, you understand and accept that we will rely on any instructions or actions taken by your Agent as if they were taken by you personally, that we will consider it evidence of your authorization, and that we shall have no obligation to investigate the authority or validity of any such instructions or actions.

You agree it is your responsibility to monitor your Agent’s activities to ensure they are within your agreed-upon scope and you acknowledge that we will not automatically review or screen Agent activities including transactions, for predictability, practicality or appropriateness.

You must retain and produce to us, upon request, your timely revocation of consent to the Agent’s actions.

You are responsible for any actions or transactions entered or requested by the Agent and for any actions or errors that may result from the Agent’s incorrect interpretation or implementation of your instructions, if it performs unintended actions or exceeds the authority you gave it.

Qualifications & exceptions

• Applies when you give Agents access or allow them to use Services with your secure customer credentials.
• Additional account-level restrictions may apply.

Security & Safeguards · Permission or license

Chase can restrict or cut off Agent access at any time without notice

Chase reserves the right to modify its security protocols or API access, or to limit, prevent, suspend or terminate an Agent's access to your accounts, the Digital Platforms or the Services at any time without notice, which may make the third-party Agent non-functional. Additional account-level restrictions may apply.

Supporting quotations

We reserve the right to modify our security protocols or API access or limit, prevent, suspend or terminate access by an Agent to your accounts, the Digital Platforms or the Services at any time without notice, which may render the third-party agent non-functional. Additional account-level restrictions may apply.

Qualifications & exceptions

• Can be done at any time without notice.
• Additional account-level restrictions may apply.

Account & Service Control · Restriction or exception

Agents may not be used by anyone under 13 or barred from the Services

You agree you will not permit an Agent to access your accounts, the Digital Platforms or the Services if you are under 13 (or such greater age required under applicable laws) or if you are prohibited from accessing Services under applicable laws.

Supporting quotations

You agree you will not permit an Agent to access your accounts, the Digital Platforms or the Services if you are under the age of 13 (or such greater age required under applicable laws) or if you are prohibited from accessing Services under applicable laws.

Qualifications & exceptions

• The age limit is 13 or any greater age applicable laws require.

Security & Safeguards · Company practice

Chase may offer biometrics, security keys and passkeys, and may require specific verification methods

Chase may give you the option to enable login credentials or identity verification methods beyond a user ID and Password, such as biometrics, security keys and syncable authenticators like passkeys, for certain Services. It may also require specific identity verification methods, including a Trusted Device, to open, access, manage or transact on your accounts to help keep them safe and prevent identity theft. You are responsible for understanding the requirements for each method, which are given when you are presented with the method and may be in FAQs, and Chase does not endorse, guarantee or take responsibility for the functionality of physical devices such as security keys.

Supporting quotations

We may give you the option to enable login credentials or identity verification methods beyond user ID and Passwords, such as biometrics, security keys, and syncable authenticators (e.g., passkeys) for certain Services on our Digital Platforms. We may also require specific identity verification methods (including Trusted Device) for opening, accessing, managing, or transacting on your accounts to help keep your accounts safe and help prevent identity theft. You are responsible for understanding the requirements for each login credential or identity verification method.

These requirements are provided when you are presented with these credentials or methods, and additional information may also be available in FAQs. We do not endorse, guarantee or assume responsibility for the functionality of physical devices (e.g., security keys) used for authentication.

Qualifications & exceptions

• The options apply to certain Services on the Digital Platforms.
• Chase may require specific methods, including a Trusted Device.

Not stated here

• The FAQs the section mentions are not part of this document.

Security & Safeguards · Restriction or exception

Chase may require the mobile app and a Trusted Device, and may deny access until you comply

To help protect your account from fraud and unauthorized access, Chase may require you to download and use its mobile application and use a Trusted Device, as defined in the agreement, to verify your identity. Until you do, Chase may deny access to the Digital Platforms, the Services and your accounts, unless an accommodation is required by law. You should use only your personal device, one you control and only you use, as your Trusted Device. If you lose access to it, for example if it is lost or stolen, you may need to verify a new one through Trusted Device Enrollment, which could temporarily delay your access or your ability to complete transactions and other banking activities. The notice at the top of the agreement says Section 9 is updated on this point effective January 1, 2027.

Supporting quotations

we may require you to download and use our mobile application, and use a Trusted Device, as defined in this Agreement, to verify your identity. Until you do, we may deny access to our Digital Platforms, the Services, and your accounts, unless an accommodation is required by law.

You should use only your personal device – one you control and only you use – as your Trusted Device.

If you lose access to your Trusted Device (for example, if it is lost or stolen), you may need to verify a new one via Trusted Device Enrollment, as defined in this Agreement, which could temporarily delay your ability to access our Digital Platforms, accounts, or complete transactions and other banking activities.

Qualifications & exceptions

• Access can be denied until you download the app and use a Trusted Device, unless an accommodation is required by law.
• The opening notice dates the Section 9 update to January 1, 2027.

Not stated here

• The definitions of Trusted Device and Trusted Device Enrollment are in the Glossary and are analyzed there.
• The agreement does not say how an accommodation required by law is requested.

Cross-references

• referred to by (model-proposed): Announced January 1, 2027 change to Section 9 sign-in rules — The opening notice announces the January 1, 2027 update to Section 9 and the Trusted Device requirement that Section 9 itself already states.

Security & Safeguards · Restriction or exception

Business user IDs and Passwords belong to the business; report when a representative leaves

A user ID or Password Chase gives you is provided to you only as a representative of the business entity registered with the Digital Platform or Service, and you may not keep it after your relationship with that business ends. You agree to tell Chase immediately if a person with access to a Password leaves the employ of, or is no longer a representative of, the entity to which the Password was assigned.

Supporting quotations

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

Qualifications & exceptions

• Applies to user IDs and Passwords provided to a representative of a business entity.

Account & Service Control · Company practice

Services are usually available around the clock but maintenance or problems can interrupt them

The Digital Platforms and Services are typically available 7 days a week, 24 hours a day, subject to the hours of any necessary third party, such as a market or exchange, and any limits in the terms of your account. Chase may from time to time perform maintenance or experience hardware, software or other problems that result in interrupted service, delays or errors.

Supporting quotations

The Digital Platforms and Services are typically available for your use 7 days a week, 24 hours a day subject to the hours of any necessary third party, like a market or exchange, and any limitations or restrictions associated with the particular terms and conditions of your account. However, we may from time to time (a) perform maintenance on the Digital Platforms or any Service or (b) experience hardware, software, or other problems related to the Digital Platforms and Services, resulting in interrupted service, delays or errors in the Digital Platforms and/or Services.

Qualifications & exceptions

• Availability is subject to third-party hours (for example a market or exchange) and account terms.

Legal Rights & Agreement Rules · Restriction or exception

When the platforms are unavailable, use another channel; Chase is not liable for the lost access

Your access may be limited during high volume, systems upgrades and maintenance or for other reasons. If the Digital Platforms or Services are unavailable for transactions or conditions make their use inappropriate, you agree to use alternative means to transact or place orders, such as calling your J.P. Morgan Chase representative or the call center servicing your account. Chase will not be liable if you cannot access the Digital Platforms or Services or complete transactions through them.

Supporting quotations

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

Qualifications & exceptions

• Chase's no-liability statement covers inability to access the platforms or complete transactions through them.

Not stated here

• The Limitation of Liability section and applicable law may affect how this applies; this section does not say.

Legal Rights & Agreement Rules · Restriction or exception

Chase and related parties are not liable for indirect or consequential damages from using the platforms

To the fullest extent permitted by law, and except as otherwise specifically set out in the agreement, Chase, its affiliates, its third parties and their respective directors, officers, employees, representatives, affiliates and agents are not liable to you or any third party for indirect, incidental, special, compensatory, consequential or exemplary damages arising from or relating to access to, use of or inability to use, or availability or lack of availability of the Digital Platforms, Services or Products. This applies regardless of the form of action and even if Chase was advised of the possibility of such damages.

Supporting quotations

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

Qualifications & exceptions

• Applies to the fullest extent permitted by law and except as otherwise specifically set forth in the agreement.
• Covers indirect, incidental, special, compensatory, consequential and exemplary damages, not every kind of damage.

Not stated here

• Other sections and Addenda set their own liability terms, which are analyzed where they appear.

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.

Legal Rights & Agreement Rules · Restriction or exception

Liability limits do not cancel Chase's duty of good faith and care and survive termination

A provision of the agreement that limits Chase's liability does not negate its duty, if any, under applicable law to act in good faith and with reasonable care. If a provision limits liability in a way applicable law prohibits, it will nonetheless be enforced to the fullest extent that law permits. The Limitation of Liability section survives termination of the agreement.

Supporting quotations

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

This Section shall survive termination of this Agreement.

Qualifications & exceptions

• The preserved duty is Chase's duty, if any, under applicable law.
• A provision prohibited by law is still enforced to the extent permitted.

Legal Rights & Agreement Rules · Company commitment

You represent you are authorized and will obtain needed written authorizations

You acknowledge, represent, warrant and covenant to Chase that you are authorized to enter into the agreement, including each Addendum as applicable, and to bind you and your business as applicable. You will obtain all written authorizations Chase needs to perform the Services that applicable law, rules and regulations require, and will give Chase copies if asked. You are also authorized to have viewing access to any account you access through the Digital Platforms or any Service.

Supporting quotations

You acknowledge, represent, warrant, and covenant to us that:

you are authorized to enter into this Agreement, including each Addendum, as applicable, and to bind you and your business (as applicable) hereto;

you shall obtain all written authorizations necessary to enable us to perform the Services and that are required by applicable law, rules, and regulations, and shall furnish us with copies of authorizations if requested;

you are authorized to have viewing access to any account that you access through the Digital Platforms or any Service;

Qualifications & exceptions

• These are your promises to Chase, listed in Section 12.
• Copies of authorizations are required if Chase requests them.

Legal Rights & Agreement Rules · Restriction or exception

You promise to follow the law, avoid international ACH and prohibited uses

You represent and covenant that you will not use any Service for international ACH transactions, which the agreement prohibits, and that you will comply with the agreement and all laws, rules and regulations that apply to your use of the Digital Platforms, Services and Products, including those on exports or imports of software and related property, use or remote use of software and related property, or registration of any Addendum. You also promise not to use the Digital Platforms or any Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority.

Supporting quotations

you will not use any Service for international ACH transactions, which are prohibited under this Agreement;

you will comply with this Agreement and all laws, rules and regulations applicable to you in your use of the Digital Platforms, Services, and Products, including those pertaining to

(a) exports or imports of software and related property; (b) use or remote use of software and related property; or (c) registration of any Addendum;

you will not use the Digital Platforms or any Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority.

Qualifications & exceptions

• International ACH transactions are prohibited under the agreement.

Account & Service Control · Company commitment

You promise your information about yourself and your accounts is true, accurate and current

You represent that you will give true, accurate, current and complete information about yourself and your accounts, including any External Accounts, and will not misrepresent your identity or your account information, including External Account information.

Supporting quotations

you will provide true, accurate, current and complete information about yourself and your accounts (including any External Accounts) and you will not misrepresent your identity or your account information (including any External Account information)

Qualifications & exceptions

• Covers External Accounts as well as your accounts with Chase.

Legal Rights & Agreement Rules · Restriction or exception

Platforms and Services are provided as is, with all warranties disclaimed

Except as the agreement expressly provides, Chase provides no warranties about your use of the Digital Platforms and Services. They are provided on an as is, where is and where available basis and are subject to change at any time without notice. Chase and its third-party service providers make no warranty that they will be uninterrupted, timely, secure or error-free unless stated otherwise on the Digital Platforms, site or in an applicable agreement. To the fullest extent permitted by law Chase disclaims all representations, warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement, and no license is implied by the disclaimers.

Supporting quotations

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THIS AGREEMENT, YOU UNDERSTAND AND AGREE THAT WE PROVIDE NO WARRANTIES REGARDING YOUR USE OF THE DIGITAL PLATFORMS AND SERVICES. THE DIGITAL PLATFORMS AND SERVICES ARE INFORMATION, SOFTWARE, HARDWARE, CAPTURE DEVICES, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) PROVIDED ON AN “AS IS” “WHERE- IS” AND “WHERE AVAILABLE” BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

MAKE NO WARRANTY THAT THE DIGITAL PLATFORMS OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE DIGITAL PLATFORMS, SITE OR IN ANY APPLICABLE AGREEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON- INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

Qualifications & exceptions

• Applies except as otherwise expressly provided in the agreement, or as stated on the platforms or in an applicable agreement.
• Disclaimer applies to the fullest extent permitted by law.

Legal Rights & Agreement Rules · Restriction or exception

Disputes about the platforms go to binding arbitration at either party's election, with listed exclusions

You and Chase agree that, if either of you elects, any claims or disputes (as defined below in the section) pertaining to the digital platforms, products and services in the agreement will be resolved by binding arbitration and not in court, except for matters in small claims court. The arbitration agreement is made under the Federal Arbitration Act. Disputes about the underlying accounts, loans, credit cards and similar matters are resolved under the Other Documents that cover them, and disputes in connection with an Investment Account are resolved under the agreement governing that Investment Account and are not subject to this section's dispute provisions.

Supporting quotations

upon the election of either of us, any claims or disputes (as defined below) pertaining to the digital platforms, products, and services in this agreement will be resolved by binding arbitration as discussed below and not through litigation in any court (except for matters in small claims court).

This arbitration agreement is entered into pursuant to the Federal Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA").

Any dispute, claim or controversy about the underlying accounts, loans, credit cards, etc. will be resolved pursuant to the provisions of the Other Documents (as defined in Section 1 above) pertaining to them.

Any dispute, claim or controversy in connection with an Investment Account will be resolved pursuant to the provisions of the agreement governing your Investment Account and is not subject to the dispute provisions of this Section.

Qualifications & exceptions

• Arbitration happens upon the election of either party.
• Small claims court matters are excepted.
• Disputes about underlying accounts, loans and credit cards, and about Investment Accounts, are excluded and handled under other documents.

Not stated here

• What counts as a claim or dispute, and how to opt out or arbitrate, are covered in the rest of this section.
• The Other Documents and the Investment Account agreement are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Unless you opt out, you give up court, judge, jury and class proceedings for covered disputes

The agreement states that you have a right to opt out of the agreement to arbitrate. Unless you opt out, you and Chase waive the right to have a dispute heard before a judge or jury or otherwise decided by a court or government tribunal, and also waive any ability to assert or participate in a class, representative or consolidated proceeding, in court or in arbitration. Except as stated in the section, all disputes must be resolved by binding arbitration when either you or Chase requests it.

Supporting quotations

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

Qualifications & exceptions

• The waivers apply unless you opt out of arbitration.
• Applies to disputes within the arbitration section's scope, subject to its stated exceptions.

Legal Rights & Agreement Rules · Restriction or exception

Arbitrable Claims cover all theories and remedies, past, present and future, including prior similar agreements

Claims or disputes between you and Chase about the digital platforms, products and services in the agreement are subject to arbitration. This includes any claims or disputes arising from or relating to the agreement or any prior agreements of a similar type between you, whatever theory they are based on and whether they seek legal or equitable remedies, and whether they arose in the past, exist now or arise in the future. These are all called Claims in the section.

Supporting quotations

upon the election of either of us, any claims or disputes (as defined below) pertaining to the digital platforms, products, and services in this agreement will be resolved by binding arbitration

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

Qualifications & exceptions

• Claims are defined as disputes about the digital platforms, products and services in this agreement and related prior agreements of a similar type.
• Disputes about underlying accounts, loans and credit cards, and Investment Accounts, are excluded under the section's opening paragraph.

Cross-references

• contrast (model-proposed): Glossary: Claim covers any dispute arising now or later in any way related to the agreement — The Glossary defines Claim broadly as any dispute arising now or later under or relating in any way to the agreement, while the arbitration section defines Claims for its own purposes as disputes about the digital platforms, products and services with listed exclusions. The document does not say how the two definitions relate outside the arbitration section.

Legal Rights & Agreement Rules · User right or choice

Either side may use small claims court instead of arbitration

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

Supporting quotations

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

Qualifications & exceptions

• The Claim must be within the small claims court's jurisdiction and proceed on an individual basis.

Legal Rights & Agreement Rules · User right or choice

You can opt out of arbitration only within 60 days of accepting the agreement

You may opt out of the agreement to arbitrate if you tell Chase within sixty days of accepting the agreement, and opt-out requests made more than sixty days after initial acceptance are invalid. An opt-out does not apply to litigation or arbitration already pending against or with Chase when you accept. To opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile or in Chase Mobile or JP Morgan Mobile. Opting out does not affect the other provisions of the agreement and applies only to this arbitration agreement, not any other.

Supporting quotations

You have the right to opt out of this agreement to arbitrate if you tell us within sixty (60) days of accepting this Agreement. Requests to opt out of this Agreement that are made more than sixty (60) days after the initial acceptance of this Agreement are invalid.

If you already have pending litigation or arbitration against/with us when you accept this Agreement, any request to opt out of this arbitration clause will not apply to that litigation or arbitration.

If you want to opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile or on Chase Mobile or JP Morgan Mobile.

Opting out of this agreement to arbitrate will not affect the other provisions of this Agreement. If you validly opt out of this agreement to arbitrate, your decision to opt out will apply only to this arbitration agreement and not any other arbitration agreement.

Qualifications & exceptions

• Deadline: within sixty (60) days of accepting the agreement.
• Not applicable to litigation or arbitration already pending when you accept.
• Applies only to this arbitration agreement, not any other.

Not stated here

• The agreement does not say whether a later acceptance of a changed version restarts the sixty days.

Legal Rights & Agreement Rules · Restriction or exception

Arbitration is individual only: no class, representative or public injunctive claims

Claims in arbitration proceed on an individual basis, on behalf of the named parties only. You and Chase each agree not to seek to proceed on a claim in arbitration as a class claim, class action, private attorney general proceeding or other representative proceeding; not to seek to consolidate claims involving different claimants (except claimants on the same account) unless Chase agrees; not to be part of or represented in a class or representative action brought by anyone else; and not to seek any award or remedy in arbitration against or on behalf of anyone who is not a named party, including public injunctive relief.

Supporting quotations

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

YOU AND WE AGREE NOT TO:

SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE PROCEEDING;

SEEK TO CONSOLIDATE IN ARBITRATION ANY CLAIMS INVOLVING DIFFERENT CLAIMANTS (EXCEPT FOR CLAIMANTS WHO ARE ON THE SAME ACCOUNT), UNLESS WE AGREE;

BE PART OF, OR BE REPRESENTED IN, ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE; NOR

SEEK ANY AWARD OR REMEDY IN ARBITRATION AGAINST OR ON BEHALF OF ANYONE WHO IS NOT A NAMED PARTY TO THE ARBITRATION, INCLUDING BUT NOT LIMITED TO PUBLIC INJUNCTIVE RELIEF.

Qualifications & exceptions

• Consolidation is allowed for claimants on the same account, or if Chase agrees.
• The restrictions bind both you and Chase.

Legal Rights & Agreement Rules · Restriction or exception

A court decides whether the class-action limits are enforceable; unenforceable parts go to court

Any question about the enforceability or interpretation of the class and representative action section is decided by a court and not the arbitrator. If a court finds any of its terms legally unenforceable for a Claim or relief sought, then Claims and relief for which arbitration is enforceable must be filed and decided in arbitration, the rest are decided in court, the court litigation is stayed until the arbitration of all other Claims is finished, and when litigation resumes the court may consider but is not bound by the arbitrator's determinations. For example, if a Claim seeks public injunctive relief and other relief and the ban on public injunctive relief is unenforceable, the public injunctive relief request would be decided in court after the other relief is decided in individual arbitration. No arbitrator may entertain a Claim for a person who is not a named party or make an award for or against such a person.

Supporting quotations

Any question regarding the enforceability or interpretation of this section (“What about class actions or representative actions?”) shall be decided by a court and not the arbitrator. If a court determines that any of the terms of this section are legally unenforceable for any reason with respect to a Claim or request for relief sought in connection with a Claim, then you and we agree that the arbitration and litigation shall proceed as follows: (1) all Claims or requests for relief for which arbitration is legally enforceable must be filed and adjudicated in arbitration; (2) any Claims or requests for relief for which arbitration is not legally enforceable will be decided through litigation in court; (3) any Claims or requests for relief that are to be decided through litigation in court will be stayed pending completion of the arbitration of all other Claims or requests for relief; and (4) when litigation in court resumes, the Court may consider but will not be bound by any determination made by the arbitrator.

By way of example, if a Claim seeks both public injunctive relief and other relief, and the prohibition on an award of public injunctive relief is found to be unenforceable, then the request for public injunctive relief will be decided in litigation in the court after Claims seeking other relief had been adjudicated in arbitration on an individual basis.

no arbitrator shall have authority to entertain any Claim on behalf of a person who is not a named party, nor shall any arbitrator have authority to make any award for the benefit of, or against, any person who is not a named party.

Qualifications & exceptions

• Applies if a court finds a term of the class and representative action section unenforceable for a Claim or request for relief.
• The court is not bound by the arbitrator's determinations.

Legal Rights & Agreement Rules · Restriction or exception

Third parties can be pulled into arbitration; "you" and "we" are defined broadly

Arbitration applies whenever there is a Claim between you and Chase. If a third party is also involved in a Claim between you and Chase, the Claim is decided with respect to the third party in arbitration too, and the third party must be named as a party under the arbitration rules. The arbitrator grants no award or relief except on behalf of, or against, a named party. For arbitration, you includes any person listed on your account, and we includes J.P. Morgan Chase, all its affiliates and all third parties regarded as its agents or representatives in connection with a Claim, including an unaffiliated third party to whom Chase assigns your account. The arbitration may not be consolidated with any other arbitration proceeding.

Supporting quotations

Arbitration applies whenever there is a Claim between you and us. If a third party is also involved in a Claim between you and us, then the Claim will be decided with respect to the third party in arbitration as well, and it must be named as a party in accordance with the rules of procedure governing the arbitration.

No award or relief will be granted by the arbitrator except on behalf of, or against, a named party.

For purposes of arbitration, “you” includes any person who is listed on your account, and “we” includes J.P. Morgan Chase, all its affiliates, and all third parties who are regarded as agents or representatives of ours in connection with a Claim. (If we assign your account to an unaffiliated third party, then “we” includes that third party.)

The arbitration may not be consolidated with any other arbitration proceeding.

Qualifications & exceptions

• A third party involved in a Claim between you and Chase must be named as a party.
• Anyone listed on your account counts as you; affiliates, agents and representatives count as Chase.

Legal Rights & Agreement Rules · Procedure

The filing party picks JAMS or AAA; this agreement controls over their rules

The party filing a Claim in arbitration must select JAMS or the American Arbitration Association as the administrator, and that organization applies its rules and procedures in effect when the arbitration begins. If there is a conflict between those rules and this arbitration agreement or the agreement, this arbitration provision and the agreement control. If JAMS or the AAA cannot handle the Claim, a neutral arbitrator chosen by agreement of the parties, or by a court under the FAA if they cannot agree, arbitrates under the AAA rules of procedure.

Supporting quotations

The party filing a Claim in arbitration must select JAMS or the American Arbitration Association ("AAA") as the arbitration administrator. That organization will apply its rules and procedures in effect at the time the arbitration is commenced. If there is a conflict between the applicable rules and procedures and this arbitration agreement and/or this Agreement, this arbitration provision and this Agreement will control.

In the event that JAMS or the AAA is unable to handle the Claim for any reason, then the matter shall be arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with the FAA), pursuant to the AAA rules of procedure.

Qualifications & exceptions

• If JAMS or the AAA cannot handle the Claim, a neutral arbitrator is chosen under the AAA rules.

Not stated here

• JAMS and AAA rules are not part of this document.

Legal Rights & Agreement Rules · Procedure

A single arbitrator applies the law and can award relief only as the law and the agreement allow

The arbitrator decides the Claim under applicable law and consistently with the FAA. A single arbitrator conducts the arbitration and applies applicable substantive law, including the Uniform Commercial Code, statutes of limitation, conditions precedent to suit and recognized principles of equity, and honors claims of privilege recognized by law. The arbitrator may award a party any damages or relief permitted by law and by the agreement between you and Chase, including the limitations set out above.

Supporting quotations

The arbitrator will decide the Claim in accordance with all applicable law and consistent with the FAA. A single arbitrator will conduct the arbitration and will apply applicable substantive law, including the Uniform Commercial Code, statutes of limitation, conditions precedent to suit, and recognized principles of equity, will honor claims of privilege recognized by law.

The arbitrator will have the power to award to a party any damages or relief as permitted by the law and the agreement between you and us (including the limitations set forth above).

Qualifications & exceptions

• Awards are limited to what the law and the agreement permit, including the limitations set out earlier in the section.

Legal Rights & Agreement Rules · Restriction or exception

The arbitration ruling is final and binding; appeal only as the FAA provides

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

Supporting quotations

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

Qualifications & exceptions

• Appeal is available only as provided under the FAA.

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.

Legal Rights & Agreement Rules · Procedure

Claims are filed with JAMS or AAA; hearings are in your federal judicial district

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

Supporting quotations

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

Qualifications & exceptions

• The location is based on your address when the Claim is filed unless the parties agree otherwise.

Legal Rights & Agreement Rules · Restriction or exception

The arbitration section survives termination, but it calls itself Section 13

The last sentence of the arbitration section, which is headed 14 in this document, says "This Section 13 shall survive termination of this Agreement." The same section number 13 appears in the opening notice's reference to the arbitration provision, while the heading numbered 13 in this document is No Warranties by J.P. Morgan Chase. The sentence is quoted as written, and this analysis does not decide which section is meant or rewrite the number.

Supporting quotations

This Section 13 shall survive termination of this Agreement.

Qualifications & exceptions

• The sentence appears at the end of the section headed 14, Disputes and Arbitration.

Not stated here

• The document does not say whether Section 13 here means the arbitration section; the number does not match the heading.
• Whether the No Warranties section also survives termination is not stated by this sentence.

Account & Service Control · Restriction or exception

Do not log on from OFAC-sanctioned countries

You agree not to try to log on to the Digital Platforms or Services from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information on which countries are sanctioned is available on the U.S. Department of the Treasury website. An attempt to log on from one of those countries may lead to your access being restricted or terminated.

Supporting quotations

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

Qualifications & exceptions

• Applies to log-on attempts from countries under OFAC sanctions.
• Consequence: access may be restricted or terminated.

Not stated here

• The list of sanctioned countries is on the Treasury website and is not in this document.

Sharing & Disclosure · Context

Chase's privacy policy and notices apply to the platforms; they include opt-out rights

Chase's online privacy policy and, where appropriate, its U.S. consumer privacy notices, as amended from time to time and available at chase.com and jpmorganonline.com, apply to your use of the Digital Platforms and any of the Services. The agreement says those notices, which include details about Chase's information sharing practices and your right to opt out of certain information sharing, were provided when you opened your account, and can be viewed through the Security & Privacy tab then Data Privacy, or the Privacy link at the bottom of Chase website pages.

Supporting quotations

Our online privacy policy and, where appropriate, our U.S. consumer privacy notices, as amended from time to time (available online at chase.com and jpmorganonline.com), apply to your use of the Digital Platforms and any of the Services.

Our privacy notices, which include details about our information sharing practices and your right to opt out of certain information sharing, were provided to you when you opened your account with us.

The notices can be viewed by clicking on the “Security & Privacy” tab, then “Data Privacy” or by scrolling to the bottom of our website pages and clicking the “Privacy” link.

Qualifications & exceptions

• The U.S. consumer privacy notices apply where appropriate.
• The notices may be amended from time to time.

Not stated here

• The privacy policy and privacy notices are separate documents that are not supplied here, so their contents, including what information is shared, cannot be described from this agreement.

Legal Rights & Agreement Rules · Restriction or exception

You indemnify Chase for third-party claims arising from your conduct and anyone you give access

You are responsible for your conduct, and the conduct of any individual or agent, including AI agents and agentic AI, to whom you gave access, while using the Digital Platforms and Services. You agree to indemnify, defend and hold harmless Chase, its affiliates and their officers, directors, shareholders, employees and agents from losses, claims, damages, liabilities, costs or expenses of any kind, including reasonable attorneys' and expert witness fees and costs of investigation, in connection with any third party claim resulting or arising from the situations listed in the section. If you are a business entity, the obligations extend to the acts and omissions of your employees, consultants and agents, including AI agents and agentic AI.

Supporting quotations

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

if you are a business entity, the obligations under this Section will extend to the acts and omissions of your employees, consultants, and agents, including AI agents and agentic AI.

Qualifications & exceptions

• Covers losses in connection with a third party claim arising from the listed situations.
• For a business entity, extends to employees, consultants and agents, including AI agents.

Legal Rights & Agreement Rules · Restriction or exception

Indemnity triggers: your use, credential misuse, agents' acts, breaches and misconduct

The indemnity is triggered by your use of the Digital Platforms, any Service or Product, or use by anyone using your Card number, account number, PIN, user ID, Password or other credentials, identity verification methods or sensitive information, or your violation of the agreement or of a third party's rights, including privacy rights. It also covers the acts or omissions of you or anyone you give access to your account, including employees or agents such as AI agents, including erroneous transactions or actions beyond your agent's authority; your breach of any representation, warranty or covenant in the agreement or the Other Documents; and willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any other person or entity other than Chase.

Supporting quotations

your use of the Digital Platforms, any Service or Product, or the use of the Digital Platforms or any Service or Product by anyone using your Card number, account number, PIN, user ID or Password, or other login credentials, identity verification methods or sensitive information, or your violation of this Agreement or the rights of any third party (including privacy rights);

your acts or omissions or the acts or omissions of any other person or entity, including any employee or agent, such as AI agents or agentic AI, to whom you give access to your account, Digital Platforms of Services, including but not limited to erroneous transactions or actions that were not within the scope of your agent’s authority;

breach by you of any representation, warranty or covenant made by you under this Agreement or the Other Documents;

willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any other person or entity (other than us);

Qualifications & exceptions

• Applies to losses in connection with a third party claim.
• Negligence or misconduct of any person or entity other than Chase triggers the indemnity.

Legal Rights & Agreement Rules · Restriction or exception

More triggers: Chase relying in good faith on your credentials or authorizations, Item warranties and IP

The indemnity also covers any transmission or Instruction, authorized or not, that Chase acts on in good faith in reliance on your user IDs, Passwords or other credentials, identity verification methods or sensitive information; Chase acting, or purporting to act, or disclosing information as you authorize through electronic or written instructions granting view-only, view and update, or view and transact privileges to your agents, including AI agents, attorneys-in-fact or other third parties; your providing a phone number, email address, information and photographs of recipients from your mobile device contacts, or other delivery location that is not your own, or violating applicable law; any warranty or indemnity Chase makes about an Item under laws, regulations and industry and clearing house rules, including Federal Reserve Board Regulations CC and J; and your infringement, misappropriation or violation of a third party's property or other right.

Supporting quotations

any transmission or Instruction, whether or not authorized, acted upon by us in good faith and in reliance upon the user IDs, Passwords, or your other login credentials

our acting, purporting to act or disclosing any information in accordance with your authorization pursuant to electronic or other written instructions granting view only, view and update and view and transact privileges to the Services to your agent(s), including AI agents or agentic AI, attorney(s)-in-fact, or other third parties;

your provision of a phone number, email address, information and photographs associated with recipients contained in your mobile device contacts, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance;

any warranty or indemnity that we make with respect to an Item under any and all laws, regulations and industry and clearing house rules, including the 21st Century Act and Federal Reserve Board Regulations CC and J, applicable to the Items; and

your infringement, misappropriation, or violation of any property or other right of any third party.

Qualifications & exceptions

• Applies to losses in connection with a third party claim.
• Covers Chase's good-faith reliance on instructions, whether or not authorized.

Legal Rights & Agreement Rules · Procedure

Chase gives prompt notice of third-party claims; you cannot settle against Chase without consent

Chase will give you prompt notice of third party claims and reasonably cooperate in your defense, but you have no authority to settle any claim against a J.P. Morgan Chase Indemnified Party without that party's prior written consent, which may not be unreasonably withheld. Your obligations under this indemnity are in addition to any in the Other Documents and survive termination of the agreement.

Supporting quotations

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

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

Qualifications & exceptions

• Consent to settle may not be unreasonably withheld.
• The indemnity survives termination and adds to obligations in the Other Documents.

Legal Rights & Agreement Rules · Restriction or exception

After a system failure you bear the risk of lost data and must verify transactions; you also bear Product loss

In a system failure or interruption your data may be lost or destroyed. You should verify any transaction you initiated, were completing or completed shortly before the failure by means other than the Digital Platforms or Services. Except as otherwise provided by law, you assume the risk of loss of your data during a failure and the responsibility to verify the accuracy and completeness of affected transactions. You also bear the entire risk of loss, destruction and damage to the Products from any cause, and that does not reduce your obligations.

Supporting quotations

In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction(s) that you initiated, were in the process of completing, or completed shortly before a system failure or interruption should be verified by you through means other than the Digital Platforms or Services to ensure the accuracy and completeness of such transaction(s). Except as otherwise provided by law, you assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s) so affected.

you will bear the entire risk of loss, destruction and damage to the Products from any cause whatsoever, and no such loss, destruction or damage shall impair any of your obligations hereunder which shall continue in full force and effect.

Qualifications & exceptions

• Except as otherwise provided by law.

Account & Service Control · Restriction or exception

If you give your child access, the agreement applies to them and you take full responsibility

Chase may allow you to grant your child use or access to certain Digital Platforms and Services linked to your profile. If you authorize this, you acknowledge that the agreement, and any applicable Account Agreement, digital wallet agreement or third-party wallet agreement, applies to your child, and you accept full responsibility for your child's use, including any liability they incur.

Supporting quotations

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

Qualifications & exceptions

• Chase may allow, not must allow, child access to certain Services linked to your profile.

Not stated here

• The age at which a child may be given access is not stated in this section.

Content & IP Rights · Permission or license

Chase gives you a limited, revocable personal license to use the platforms and software

Chase grants you, for personal use or, if you are a business, internal business purposes only, a non-exclusive, non-transferable, limited and revocable right to access and use the Digital Platforms and Services, and any software in object code. Software provided through the Digital Platforms must be downloaded by you in the United States. For the term of the agreement, software Chase or its licensors make available for download with the Services comes with a non-exclusive, non-assignable, non-transferable, limited license to use the proprietary software and documentation (Products) only in connection with the permitted use of the applicable Service.

Supporting quotations

We grant to you, for your personal or, if you are a business, internal business purposes only, a non-exclusive, non-transferable, limited and revocable right to access and use the Digital Platforms and Services, as well as any software, in object code.

Any software provided through the Digital Platforms must be downloaded by you in the United States.

for the term of this Agreement, a non-exclusive, non-assignable, non-transferable, limited right and license to use the proprietary computer software products in object code and any associated documentation (“Products”) for use only directly in conjunction with its permitted use of the applicable Service.

Qualifications & exceptions

• Personal use, or internal business purposes if you are a business.
• Software must be downloaded in the United States.
• The software license lasts for the term of the agreement.

Content & IP Rights · Restriction or exception

No commercial use such as co-branding, framing, linking or reselling without written consent

You agree not to use the Digital Platforms or Services for any purpose other than the licensed one, including commercial purposes such as co-branding, framing, linking or reselling any portion of the Digital Platforms, without Chase's prior written consent.

Supporting quotations

You agree not to use the Digital Platforms or Services for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Digital Platforms without our prior written consent.

Qualifications & exceptions

• Prior written consent from Chase lifts the restriction.

Content & IP Rights · Restriction or exception

Platform content and trademarks belong to JPMC or third parties; no implied trademark license

You acknowledge that, other than your electronic records stored by the Digital Platforms or Services, all content on or available through them is the property of JPMC and/or third parties and protected by copyright, trademark or other rights. The compilation of all content is the exclusive property of JPMC and/or its licensors. The trademarks, logos and service marks displayed are registered and unregistered trademarks of JPMC or third parties and may not be copied, altered, modified or changed, and nothing on the platforms grants any license or right to use a Trademark without the express written permission of JPMC or the third party that holds the rights.

Supporting quotations

other than your electronic records stored by the Digital Platforms or the Services, all content included in or available through the Digital Platforms and Services is the property of JPMC and/or third parties and is protected by copyrights, trademarks, or other intellectual and proprietary rights; (b) the compilation of all content on the Digital Platforms and Services is the exclusive property of JPMC and/or its licensors and is protected by copyright or other intellectual property rights;

the trademarks, logos, and service marks displayed on the Digital Platforms or Services (collectively, “Trademarks”) are the registered and unregistered trademarks of JPMC or third parties, and may not be copied, altered, modified, or changed; and (d) nothing contained on the Digital Platforms or any Service should be construed as granting by implication or otherwise any license or right to use any Trademark without the express written permission of JPMC or the third party which has rights to such Trademark, as appropriate.

Qualifications & exceptions

• Your electronic records stored by the platforms are excluded from the ownership statement.

Not stated here

• The agreement uses JPMC without defining it in this section.

Content & IP Rights · Restriction or exception

Chase keeps all rights; breach ends your right to use the platforms; no anti-competitive use

Except for the licenses granted, all rights, interest and title in the Digital Platforms, Services, content, technology, applications, websites and Products, including improvements, modifications and derivative works, stay with Chase or its licensors, and you acquire no rights in them. Your use is subject to and conditioned on complete compliance with the agreement, and any breach immediately terminates your right to use the Digital Platforms and Services. You may not use the Digital Platforms, Services or Products in any anti-competitive manner, for any purpose contrary to Chase's business interest, or to Chase's actual or potential economic disadvantage in any aspect.

Supporting quotations

Except for the licenses granted to you under this Agreement, all rights, interest and title in and to the Digital Platforms and Services, associated content, technology, application, website(s) and Products, including any improvements, modifications, and derivative works, will at all times remain with us or our licensors, and you shall acquire no rights in the Digital Platforms, Services, or Products.

Your use of the Digital Platforms, Services, and Products is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Digital Platforms and Services.

you may not use the Digital Platforms, Services or Products (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to our business interest, or (iii) to our actual or potential economic disadvantage in any aspect.

Qualifications & exceptions

• Any breach of the agreement immediately terminates your right to use the Digital Platforms and Services.
• The use limits are broad: contrary to Chase's business interest or to its actual or potential economic disadvantage.

Content & IP Rights · Restriction or exception

Use only for personal or internal business purposes, not time sharing, rental, service bureau or sale

You must use the Digital Platforms, Services and Products solely for your personal or internal business purposes. You may not use them for time sharing, rental or service bureau purposes, or for the sale, marketing or, except as otherwise expressly provided in the agreement, commercial exploitation of the Digital Platforms, Services and Products.

Supporting quotations

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

Qualifications & exceptions

• Commercial exploitation is barred except as otherwise expressly provided in the agreement.

Security & Safeguards · Procedure

Tell Chase in writing right away about unauthorized use or disclosure of the platforms or Products

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

Supporting quotations

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

Qualifications & exceptions

• Notice is due immediately after the unauthorized use or disclosure becomes known to you.

Content & IP Rights · Restriction or exception

No reverse engineering, copying, transfer or removing notices; no rights beyond those granted

You may not, and will not allow or cause any third party to, decompile, reverse engineer, reverse compile, reverse-assemble, disassemble, try to derive source code of, modify, copy or create derivative works of any part of the Digital Platforms, Services or Products; display, assign, sublicense, distribute, export, resell or otherwise transfer any interest in the agreement or the Products to a third party; remove proprietary or intellectual property notices or labels on the Digital Platforms; or exercise any right not expressly granted. Chase or its licensors own all right, title and interest, including names, trademarks, slogans and logos, in the Digital Platforms, Services and Products, including those accessed through the Mobile Services, and no license is granted except those specifically set out.

Supporting quotations

You may not, and will not allow or cause any third party to: (a) decompile, reverse engineer, reverse compile, reverse-assemble, disassemble, attempt to derive the source code of, or modify, copy, or create derivative works of any portion of the Digital Platforms or any Services or Products; (b) display, assign, sublicense, distribute, export, resell, or otherwise transfer any interest in this Agreement or the Products to any third party; (c) remove any proprietary or intellectual property rights notices or labels on the Digital Platforms; or (d) otherwise exercise any other right to the Digital Platforms not expressly granted in this Agreement.

We, or our licensors, own all right, title and interest, including all intellectual property rights (including all names, trade names, trademarks, service marks, slogans, logos or other indicia) in and to the Digital Platforms, Services, and Products (including the products and services accessed through the Mobile Services). No license or other right in or to the Digital Platforms, Services, or Products is granted to you except for the rights specifically set forth in this Agreement.

Qualifications & exceptions

• Applies to what you do and to what you allow or cause a third party to do.
• No license is granted except the rights specifically set forth in the agreement.

Security & Safeguards · Restriction or exception

You are responsible for installation, training, maintenance and your own backups and security

Except as otherwise expressly set out in the agreement, you are solely responsible for the installation, training and maintenance of the Digital Platforms, Services and Products. It is your responsibility, and expressly not Chase's, to establish reasonable backups, accuracy checks and security precautions to guard against possible malfunctions, loss of data and unauthorized access.

Supporting quotations

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

Qualifications & exceptions

• Applies except as otherwise expressly set forth in the agreement.

Content & IP Rights · Permission or license

Chase can replace, modify or end your license if the Products face an infringement claim

If the Products become, or in Chase's opinion are reasonably likely to become, the subject of an infringement claim, you will allow Chase, at its option and expense, to replace the Products with a non-infringing alternative, modify them so they are non-infringing, or terminate the license.

Supporting quotations

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

Qualifications & exceptions

• Triggered by an actual claim or by Chase's opinion that a claim is reasonably likely.

Content & IP Rights · Permission or license

Suggestions and ideas you submit become Chase's property

Upon submission, any suggestion, idea, proposal or other material you provide to Chase becomes Chase's property without limitation or further consideration.

Supporting quotations

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

Qualifications & exceptions

• Applies to suggestions, ideas, proposals or other material you provide.
• No further consideration or compensation is promised.

Content & IP Rights · Restriction or exception

You must keep the platforms, Services and Products confidential as trade secrets

You acknowledge that the Digital Platforms, Services and Products are trade secrets of significant value to Chase and/or its licensors and must be kept secret, confidential and proprietary, and that copyright legends do not reduce that nature. You will take all reasonable steps to prevent unauthorized disclosure or use, with at least the same degree of care you use for your own most valuable confidential information, and will not remove or alter copyright or other proprietary legends. This section survives termination of the agreement.

Supporting quotations

You acknowledge that the Digital Platforms, Services, and Products constitute trade secrets and represent significant economic and commercial value to us and/or our licensors and must be maintained as secret, confidential and proprietary. You agree that copyright legends borne by the Digital Platforms, Services, and Products in no way reduce the trade secret, proprietary and/or confidential nature thereof. You will take all reasonable steps to safeguard the Digital Platforms, Services, and Products to ensure that no unauthorized disclosure or use is made, in whole or in part, and will use at least the same degree of care to prevent the unauthorized use, disclosure or availability of the Digital Platforms, Services, and Products as you ordinarily use in protecting your own most valuable confidential and proprietary information.

You will not remove or alter any copyright or other proprietary legends contained on the Digital Platforms, Services, and Products. This Section 21 shall survive termination of this Agreement.

Qualifications & exceptions

• The standard of care is at least the care you use for your own most valuable confidential and proprietary information.
• The section survives termination.

Legal Rights & Agreement Rules · Restriction or exception

Links to third-party sites are at your own risk; Chase does not control or endorse them

Chase's websites may contain third party content and links to other apps or websites (Linked Sites). Chase is not responsible for and does not control their content, products or services, does not endorse or guarantee their products, information or recommendations, and is not liable for any failure of products or services advertised on them. A third party site may have less security than Chase and a privacy policy different from Chase's, and your access, use and reliance on that content, products or services is at your own risk.

Supporting quotations

We are not responsible for, nor do we control, the content, products, or services provided by Linked Sites. We do not endorse or guarantee the products, information or recommendations provided by Linked Sites, and are not liable for any failure of products or services advertised on those sites.

each third party site may provide less security than we do and have a privacy policy different than ours. Your access, use and reliance upon such content, products or services is at your own risk.

Qualifications & exceptions

• Third-party sites may provide less security and a different privacy policy than Chase.

Not stated here

• The third parties' own terms and privacy policies are not part of this document.

Use & Processing · Permission or license

Chase can audit your compliance and you must provide information at your expense

Chase may periodically audit and verify your compliance with the agreement. You agree to cooperate and provide information or documents, at your expense, as Chase reasonably requests to aid in the clearing and collection process, to resolve third-party claims about any Item, or for audit purposes.

Supporting quotations

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

Qualifications & exceptions

• Requests must be reasonable and tied to clearing and collection, third-party claims about an Item, or audit.
• You bear the cost of providing the information.

Account & Service Control · Company practice

Chase can terminate, suspend or limit your access at any time, for any reason or none, without notice

Chase may terminate or suspend the agreement or any Addendum, or terminate, suspend, restrict or limit your access to the Digital Platforms or any Service, in whole or in part, at any time for any reason or no reason and without prior notice. The listed examples include not accessing the platforms or Services for three months or more, use Chase deems illegal or potentially brand damaging, no longer having an eligible account, receiving notice of death, or use of a third-party AI agent Chase deems potentially compromises security or may violate law. Chase may also set other eligibility criteria and decline or prevent any or all transactions through the platforms or Services, each in its sole discretion.

Supporting quotations

We may terminate or suspend this Agreement or any Addendum, or terminate, suspend, restrict, or limit your access privileges to the Digital Platforms or any Service, in whole or part, at any time for any reason or no reason without prior notice, including your failure to access the Digital Platforms or Services for a period of three (3) months or greater, for reasons involving your use of the Digital Platforms or Services which we may deem to be illegal or potentially brand damaging, when you no longer have an eligible account, after we receive notice of death, or if we deem your use of a third-party AI agent or agentic AI potentially compromises their security or the security of your accounts, or may be deemed to violate any applicable laws or regulations.

We may determine other eligibility criteria and decline or prevent any or all transactions through the Digital Platforms or the Services, each in our sole discretion.

Qualifications & exceptions

• No prior notice is required.
• The examples are introduced with including, so they are not a complete list.
• Decisions on eligibility and transactions are in Chase's sole discretion.

Account & Service Control · Restriction or exception

After termination: prior obligations survive, you stop using and delete copies, underlying accounts are unaffected

Obligations and liabilities incurred before the termination date survive termination for all purposes. On termination you must immediately stop using the Digital Platforms and Services and delete any applicable copies. Termination of the agreement or an Addendum does not affect the terms or status of any underlying account you have with Chase, and each account agreement continues under its own terms. Terms of the agreement and an Addendum that expressly or by their nature contemplate performance after termination survive, and the provisions protecting Chase's confidential information, requiring indemnification and setting limits of liability are stated to be of that kind.

Supporting quotations

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this Agreement for all purposes. Upon termination, you shall immediately discontinue use of the Digital Platforms and Services and delete any applicable copies.

Termination of this Agreement or any Addendum will not affect the terms or status of any underlying account you have with

us. Each account agreement will continue to be governed by its own terms.

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

Qualifications & exceptions

• Survival covers terms that expressly or by their nature contemplate performance after termination.
• Underlying accounts continue under their own account agreements.

Legal Rights & Agreement Rules · Restriction or exception

Chase may assign the agreement or delegate its duties; you may not assign it

Chase may assign its interest in the agreement, in whole or in part, to its successors or to any present or future direct or indirect subsidiary of Chase or its affiliates, and may assign or delegate certain rights and responsibilities to independent contractors or other third parties. You may not assign the agreement.

Supporting quotations

we may (a) assign our interest in this Agreement, in whole or in part, to our successors or to any now-existing or future direct or indirect subsidiary of us or our affiliates or (b) assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

You may not assign this Agreement.

Qualifications & exceptions

• Chase may assign to successors, subsidiaries and affiliates, and delegate to contractors or other third parties.
• You may not assign the agreement.

Legal Rights & Agreement Rules · Procedure

Give Chase prompt written notice of any Claim you receive about the platforms or a Service

If you receive notice of any Claim regarding the Digital Platforms or any Service, you must promptly give Chase written notice of it.

Supporting quotations

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

Qualifications & exceptions

• Notice must be written and prompt.

Not stated here

• Claim here is capitalized as in the agreement, and the arbitration section defines Claims differently; this section does not say which meaning applies.

Legal Rights & Agreement Rules · Restriction or exception

Chase waives rights only in a signed writing; delay is not a waiver

Chase is not treated as having waived any right or remedy unless the waiver is in writing and signed by Chase. No delay or omission by Chase in exercising a right or remedy operates as a waiver, and a waiver on one occasion is not a bar or waiver on future occasions.

Supporting quotations

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

Qualifications & exceptions

• A waiver by Chase must be in writing and signed by Chase.

Legal Rights & Agreement Rules · Restriction or exception

Invalid terms are restated to reflect the original intent, and the rest of the agreement stays valid

If a provision conflicts with the governing law or is held invalid or unenforceable by a court of competent jurisdiction, it is treated as restated to reflect as nearly as possible the parties' original intentions in accordance with applicable law. The remaining provisions, and the application of the challenged provision to other persons or circumstances, are not affected and remain valid and enforceable to the full extent permitted by law. The section survives termination of the agreement.

Supporting quotations

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

This Section 26 shall survive termination of this Agreement.

Qualifications & exceptions

• Applies to a provision that conflicts with governing law or is held invalid or unenforceable by a court of competent jurisdiction.

Legal Rights & Agreement Rules · Restriction or exception

The agreement and the Other Documents are the entire agreement and replace prior understandings

The agreement, including the Other Documents, is the entire agreement between you and Chase and supersedes all prior agreements and understandings on its subject matter, notwithstanding any oral representations or statements to the contrary.

Supporting quotations

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

Qualifications & exceptions

• Includes the Other Documents (account agreements, loan documents, cardmember agreements, EULAs and privacy policies).
• Overrides contrary oral representations or statements.

Legal Rights & Agreement Rules · Restriction or exception

New York law governs disputes about the platforms; account and card disputes follow their own agreements

Disputes related to the Digital Platforms or Services covered by the agreement are governed by the substantive law of the State of New York, without regard to choice of law principles. Disputes relating to your accounts or Cards accessed through the Digital Platforms or Services are governed by the laws set out in the underlying account or cardmember agreement. The section survives termination of the agreement. An Addendum can state its own rule: the Digital Wallets Addendum says its terms are governed by federal law and, where state law applies, the law of the state that governs your Chase Card agreement.

Supporting quotations

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

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

This Section 28 shall survive termination of this Agreement.

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Chase Card is covered.

Qualifications & exceptions

• New York substantive law applies to disputes about the Digital Platforms or Services without regard to choice of law principles.
• Account and Card disputes follow the underlying account or cardmember agreement.
• The Digital Wallets Addendum has its own governing law statement.

Not stated here

• The underlying account and cardmember agreements are not part of this document, so the governing law they name cannot be stated here.

Legal Rights & Agreement Rules · Context

Glossary: what Agreement, Addendum, ACH, Alerts, Bill Payments, EULA and carrier mean

The Glossary defines the Agreement as the Digital Services Agreement together with the Addenda, as amended or modified from time to time, and an Addendum as each addendum to the agreement, including any Chase may add in the future. ACH refers to an electronic deposit to, or withdrawal from, your account that Chase receives or sends through the automated clearing house network. Alerts is a service giving customers text message, email and push notification communications about their accounts from JPMC. A Bill Payment is a one-time or repeating payment from an eligible account to companies, merchants or individuals. A Communication Service Provider is an entity that transmits, routes or provides connections for communications or access via the telephone. EULA means an end user license agreement or software license agreement establishing the purchaser's right to use the software.

Details not recorded for this card

Supporting quotations

“ACH” or “Automated | Refers to an electronic deposit to, or withdrawal from, your

Clearing House” | account that we receive or send through the “automated clearing house” network.

“Addendum” | Refers to each addendum to this Agreement, including any addendum that we may add in the future.

“Agreement” | Refers to this Digital Services Agreement, together with the Addenda, as amended or modified from time to time.

“Alerts” | Refers to a service which provides customers text message communications, email communications and push notifications regarding their accounts from JPMC.

“Bill Payment(s)” | Refers to a one-time payment or repeating payments made from an eligible account to companies, merchants, or individuals.

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

“EULA” | Refers to an end user license agreement or software license agreement whereby a licensor and purchaser establish the purchaser’s right to use the software.

Qualifications & exceptions

• Definitions apply where these capitalized terms are used in the General Terms and Addenda, unless an Addendum defines the term differently.

Account & Service Control · Context

Glossary: Business Account, Consumer Account, Card, loan accounts and External Account

A Business Account is any deposit account, such as checking or savings, you have with Chase that is used for business (non-personal) banking purposes. A Consumer Account is a deposit account established primarily for personal, family or household banking purposes. A Card is any credit and/or debit card Chase issues. A Chase Loan or Credit Account is one of Chase's loan or credit accounts (including a mortgage, auto or student loan or credit card) held in your name that has been listed as a Payee. An External Account is a checking or savings account held by an institution other than Chase and registered for External Transfers, and its account holder must be the same individual or business entity as the account holder of the Chase account or line of credit, mortgage, installment loan or auto account that is authorized to access the Services.

Supporting quotations

“Business Account” | Refers to any deposit account, such as a checking or savings account, you have with us that is used for business (non-personal) banking purposes.

“Consumer Account” | Refers to any deposit account, such as a checking or savings account, you have with us that is established primarily for

personal, family or household banking purposes.

“Card” | Refers to any credit and/or debit card issued by us.

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

“External Account” | Refers to checking and savings accounts held by institutions other than us and registered for External Transfers. The account holder of the External Account must be the same individual or business entity as the account holder of the deposit or prepaid account, or line of credit, mortgage, installment loan or auto account who is authorized to access the Services.

Qualifications & exceptions

• Business Accounts versus Consumer Accounts turns on whether the deposit account is used for business (non-personal) purposes or established primarily for personal, family or household purposes.
• An External Account must be held by the same individual or business entity as the authorized Chase account.

Account & Service Control · Context

Glossary: Chase Online, Chase Business Online and Chase Mobile

Chase Online is the online, client-facing platform at www.chase.com on which JPMC customers may conduct online banking and investing and access the Online Services. Chase Business Online is the platform at www.chase.com/business on which JPMC customers who hold a Business Account may conduct online banking and access the Online Services. Chase Mobile is the mobile platform on which JPMC customers may conduct mobile banking and investing and access the Mobile Services.

Details not recorded for this card

Supporting quotations

“Chase Business Online” | Refers to the online, client-facing platform, www.chase.com/business, on which JPMC customers who hold a Business Account may conduct online banking and access the Online Services.

“Chase Mobile” | Refers to the mobile platform on which JPMC customers may conduct mobile banking and investing and access the Mobile Services.

“Chase Online” | Refers to the online, client-facing platform, www.chase.com, on which JPMC customers may conduct online banking and investing and access the Online Services.

Qualifications & exceptions

• Chase Business Online is for JPMC customers who hold a Business Account.

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.

Legal Rights & Agreement Rules · Context

Glossary: Claim covers any dispute arising now or later in any way related to the agreement

The Glossary defines a Claim as any dispute, claim or controversy arising now or in the future under or relating in any way to the agreement, including the Digital Platforms Account or Services. The arbitration section separately defines Claims for its own purposes as disputes about the digital platforms, products and services, including prior similar agreements, and excludes some matters, so the capitalized word has more than one definition in this document and the document does not say which applies to a given use outside the arbitration section.

Supporting quotations

“Claim” | Refers to any dispute, claim or controversy arising now or in the future under or relating in any way to this Agreement, including the Digital Platforms Account or Services.

Qualifications & exceptions

• The Glossary definition covers disputes arising now or in the future under or relating in any way to the agreement.
• The arbitration section has its own definition of Claims for that section.

Not stated here

• The document does not say how the Glossary definition and the arbitration section's definition relate where the word Claim is used elsewhere, such as in the Notice of Claims section.

Cross-references

• contrast (model-proposed): Arbitrable Claims cover all theories and remedies, past, present and future, including prior similar agreements — The Glossary defines Claim broadly as any dispute arising now or later under or relating in any way to the agreement, while the arbitration section defines Claims for its own purposes as disputes about the digital platforms, products and services with listed exclusions. The document does not say how the two definitions relate outside the arbitration section.

Legal Rights & Agreement Rules · Context

Glossary: JPMC, Chase and J.P. Morgan cover affiliates, successors and agents

The Glossary defines JPMC, J.P. Morgan Chase, J.P. Morgan Chase Bank, N.A., JPMorgan Chase Bank, N.A. and Chase as JPMorgan Chase Bank, National Association, any parent company, subsidiary, affiliate, licensee, predecessor or successor of that entity that holds your accounts or provides you services, and any agent, independent contractor, designee or assignee that Chase may, at its sole discretion, involve in providing the applicable Service. J.P. Morgan and JP Morgan mean J.P. Morgan Securities LLC. J.P. Morgan Mobile and J.P. Morgan Online are the mobile and online client-facing platforms (the online one at www.jpmorganonline.com) on which certain JPMC customers, including clients of the Private Bank, manage assets and access investment, banking and credit account information.

Supporting quotations

“JPMC”, “J.P. Morgan Chase”, “J.P. Morgan Chase Bank, N.A.”, “”JPMorgan Chase | Refers to JPMorgan Chase Bank, National Association, any parent company, subsidiary, affiliate, licensee, predecessor, or successors of such entity that holds your accounts or provides you services and any agent, independent contractor, designee, or assignee that

Bank, N.A.”, “Chase” | we may, at our sole discretion, involve in the provision of the applicable Service.

“J.P. Morgan” and “JP Morgan” | Refers to J.P. Morgan Securities LLC.

“J.P. Morgan Mobile” | Refers to the mobile, client-facing platform on which certain JPMC customers, including clients of our Private Bank manage their assets and access their investment, banking and credit account information.

“J.P. Morgan Online” | Refers to the online, client-facing platform, www.jpmorganonline.com, on which certain JPMC customers, including clients of our Private Bank manage their assets and access their investment, banking and credit account information.

Qualifications & exceptions

• The Chase definition reaches affiliates, licensees, successors and anyone Chase involves in providing the Service, at Chase's sole discretion.
• J.P. Morgan and JP Morgan mean J.P. Morgan Securities LLC, a different entity from Chase.

Cross-references

• contrast (model-proposed): Glossary: we, our and us mean Chase and J.P. Morgan Securities LLC as applicable; you is broad — The Glossary defines we, our and us as JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC as applicable, and separately defines Chase and JPMC more broadly to include affiliates, successors and agents. The document does not say how the two definitions relate.

Legal Rights & Agreement Rules · Context

Glossary: Mobile Services, Online Services and Investment Account(s)

Mobile Services are any mobile products, services, functionality and associated documentation or software available on Chase Mobile or J.P. Morgan Mobile through a mobile or tablet device. Online Services are any online products, services, functionality and associated documentation or software available on Chase Online or J.P. Morgan Online through a desktop or laptop. Investment Account(s) refers to certain non-FDIC insured investment products and services offered by J.P. Morgan Chase and its affiliates, which may include bank-managed accounts and custody, as part of its trust and fiduciary services, and brokerage and advisory accounts offered through J.P. Morgan Securities LLC. The opening notice's version of this definition words the custody and trust and fiduciary services portion differently.

Details not recorded for this card

Supporting quotations

“Mobile Services” | Refers to any mobile products, services, functionality and associated documentation or software available on Chase Mobile or J.P. Morgan Mobile through the use of a mobile device or tablet device.

“Online Services” | Refers to any online products, services, functionality and associated documentation or software available on Chase Online or J.P. Morgan Online through the use of a desktop computer or laptop.

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

which may include bank-managed accounts and custody, trust and fiduciary services

Qualifications & exceptions

• Mobile Services are tied to a mobile or tablet device; Online Services to a desktop or laptop.
• Investment Account(s) is a list of what the products may include.

Not stated here

• The two versions of the Investment Account definition are not reconciled in the document.

Cross-references

• contrast (model-proposed): Investment Account is defined as certain non-FDIC insured products — The opening notice and the Glossary each define Investment Account(s) as certain non-FDIC insured products, but word the custody and trust and fiduciary services portion differently. The document does not reconcile the two wordings.

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.

Account & Service Control · Context

Glossary: Paperless Statements Service covers agreements, statements, tax forms and privacy policies in electronic form

The Paperless Statements Service lets customers elect to receive certain communications from Chase in electronic format. The Glossary says these communications include customer agreements or amendments, monthly billing or account statements, tax statements, disclosures, prospectuses, trade confirmations, notices, responses to claims, transaction history, privacy policies and other information Chase is required by law to provide in writing. A Password is a password used to access your profile on the Digital Platforms or any Service as applicable.

Supporting quotations

“Paperless Statements Service” | Refers to the service whereby customers can elect to receive certain communications from us in an electronic format. These communications include any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, prospectuses, trade confirmations, notices, responses to claims, transaction history, privacy policies and other information that we are required by law to provide to you in writing.

“Password” | Refers to a password used to access your profile on the Digital Platforms or any Service (as applicable).

Qualifications & exceptions

• The Service is by election of the customer.
• The list is introduced with include, so it is not a complete list.

Legal Rights & Agreement Rules · Context

Glossary: NACHA, NACHA Rules and RDFI

NACHA is the National Automated Clearing House Association, NACHA Rules are the Operating Rules of NACHA as amended from time to time, and RDFI is the receiving depository financial institution.

Details not recorded for this card

Supporting quotations

“NACHA” | Refers to the National Automated Clearing House Association.

“NACHA Rules” | Refers to the Operating Rules of NACHA, as amended from time to time.

“RDFI” | Refers to the receiving depository financial institution.

Qualifications & exceptions

• NACHA Rules are the rules as amended from time to time.

Not stated here

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

Security & Safeguards · Context

Glossary: Trusted Device and Trusted Device Enrollment

A Trusted Device is a smartphone that runs a Supported Mobile Operating System and that Chase recognizes as your trusted device after you use its mobile applications and meet its security requirements, which Chase may modify from time to time in its sole discretion. Depending on the circumstances you may meet the requirements by using the mobile applications without additional steps or by completing Trusted Device Enrollment. Trusted Device Enrollment is the steps Chase may require to set up a smartphone as your Trusted Device, which Chase may modify from time to time in its sole discretion. It may include specific identity verification and authentication methods, for example taking a photo of an acceptable form of identification with your smartphone camera, and Chase may prompt you to complete it or you may be able to start it through the mobile applications.

Supporting quotations

"Trusted Device" | A smartphone that (1) runs a Supported Mobile Operating System, and (2) we recognize as your trusted device after you use our mobile applications (for example, the Chase Mobile® app) and meet our security requirements, which we may modify from time to time in our sole discretion. Depending on the circumstances, you may meet our Trusted Device security requirements either by using our mobile applications without additional steps or by completing Trusted Device Enrollment.

"Trusted Device Enrollment" | The steps we may require to set up a smartphone as your Trusted Device, which we may modify from time to time in our sole discretion. This may include specific identity verification and authentication methods (for example, taking a photo of an acceptable form of identification with your smartphone camera). We may prompt you to complete Trusted Device Enrollment or you may be able to start it through our mobile applications.

Qualifications & exceptions

• A Trusted Device must be a smartphone running a Supported Mobile Operating System.
• Chase may change the security requirements and enrollment steps in its sole discretion.

Not stated here

• Whether an identification photo is required in every case is not stated; the Glossary gives it as an example.

Legal Rights & Agreement Rules · Context

Glossary: we, our and us mean Chase and J.P. Morgan Securities LLC as applicable; you is broad

We, our and us refer to JPMorgan Chase Bank, National Association and J.P. Morgan Securities LLC, as applicable. You, your, them and user refer to an individual or entity that owns an account or is a party-in-interest to it (such as a grantor, beneficiary or co-trustee of a trust account), an individual authorized by an owner or party-in-interest to view account information or effect transactions, or an individual with secure sign-on credentials to the Digital Platforms.

Supporting quotations

“We”, “our”, “us” | Refers to JPMorgan Chase Bank, National Association and J.P. Morgan Securities LLC (as applicable).

“You”, “your”, “them”, “user” | Refers to (i) an individual or entity that is the owner of an account or a party-in-interest to an account (such as a grantor, beneficiary or co- trustee of a trust account), (ii) an individual authorized by an account owner or a party-in-interest to view account information and/or effect transactions in an account, or (iii) an individual with secure sign-on credentials to the Digital Platforms.

Qualifications & exceptions

• We can mean Chase or J.P. Morgan Securities LLC depending on the product.
• You includes people authorized by an owner and anyone with secure sign-on credentials to the Digital Platforms.

Not stated here

• The Glossary does not say how this definition of we relates to the broader definition of JPMC and Chase.

Cross-references

• contrast (model-proposed): Glossary: JPMC, Chase and J.P. Morgan cover affiliates, successors and agents — The Glossary defines we, our and us as JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC as applicable, and separately defines Chase and JPMC more broadly to include affiliates, successors and agents. The document does not say how the two definitions relate.

Account & Service Control · Context

Glossary: Supported Mobile Operating Systems and Systems

Supported Mobile Operating Systems are the operating systems Chase supports for its mobile applications, for example Android or iOS, as listed in the Digital Platforms, and the list may change from time to time in Chase's sole discretion. Systems means all software, hardware or other equipment necessary for you to access and use the Digital Platforms and Services.

Details not recorded for this card

Supporting quotations

"Supported Mobile Operating Systems" | The operating systems we support for our mobile applications (for example, the Chase Mobile® app), as listed in the Digital Platforms (for example, Android or iOS). This list may change from time to time in our sole discretion.

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

Qualifications & exceptions

• Chase may change the list of supported operating systems at any time in its sole discretion.

Not stated here

• The current list of supported operating systems is on the Digital Platforms and is not in this document.

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.

Account & Service Control · Context

Access and Security Manager Addendum lets customers delegate Online Services functions to sub-users

The Access and Security Manager Online Service Addendum governs the Service, a feature that lets customers delegate certain functions of the Online Services to one or more sub-users. It carries a last updated date of 10/4/2021 and the heading (For Business Customers Only), yet it says it contains terms for both Business Accounts and Consumer Accounts: Sections 1 and 2 apply equally to both, Sections 3-5 apply only to Business Accounts and Section 6 applies only to Consumer Accounts. The heading and the stated scope are not reconciled in the document.

Supporting quotations

(For Business Customers Only)

Last updated: 10/4/2021

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

The Service is a feature that allows customers to delegate certain functions of the Online Services to one or more sub-users.

Qualifications & exceptions

• Sections 1 and 2 apply to both account types, Sections 3-5 only to Business Accounts, and Section 6 only to Consumer Accounts.
• Last updated 10/4/2021, earlier than the agreement's October 2026 date.

Not stated here

• The document does not say why a Business Customers Only heading sits on an Addendum that includes consumer terms.

Account & Service Control · Context

In this Addendum, you can mean the business or you personally, depending on the section

In Sections 1-5 of this Addendum, you and your mean the business entity applying for or using the Online Services. If you are the Account Administrator, you also means, in Sections 1-5, you as an authorized representative of the business you act for, and in Sections 1-2 (as applicable) and Section 6, you in your individual and personal capacity regarding your Consumer Accounts, including Consumer Accounts you link to a Business Account for Online Services access, and not as the business's representative. An Account Administrator is any signer on your Business Account or Consumer Accounts or anyone else you authorize to perform the Account Administrator activities, and for Commercial Term Lending loans may also mean, if applicable and at Chase's sole discretion, a borrower, guarantor or key principal. Capitalized terms not defined in the Addendum take their meaning from the General Terms and Conditions.

Supporting quotations

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

“Account Administrator” means any signer on your Business Account or Consumer Accounts or any other person authorized by you to perform the Account Administrator activities designated herein.

For Commercial Term Lending loans, Account Administrator also means (if applicable and at our sole discretion) a borrower, guarantor or key principal.

all capitalized terms used but not defined herein shall have the meaning set forth in the General Terms and Conditions.

Qualifications & exceptions

• The capacity in which you act changes by section: business representative in Sections 1-5, individual for Consumer Accounts in Sections 1-2 and 6.

Account & Service Control · Restriction or exception

Do not link Business and Consumer Accounts with multiple signers or change signers without notifying Chase

You agree not to ask that a Business Account be linked to a Consumer Account, or the reverse, if the Business Account allows multiple signers to transact. You also agree not to change Business Account documentation to change signers or names, or to add signers on any account linked for the Online Services, until you first notify Chase by calling 877-CHASEPC (877-242-7372) or writing to Chase Online Customer Service, P.O. Box 2558, Houston, TX 77252-9968 to terminate access to those accounts. No such change is effective until Chase receives the notice at that number or address and has a commercially reasonable opportunity to act on it.

Supporting quotations

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

Qualifications & exceptions

• Applies to accounts linked for the Online Services.
• A change takes effect only after Chase receives notice and has a commercially reasonable opportunity to act.

Legal Rights & Agreement Rules · Restriction or exception

Addendum indemnity adds to the General Terms: your Account Administrator's and agents' actions and delays

In addition to the indemnities in the General Terms and Conditions, you will indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless from Losses in connection with any third party claim resulting or arising from your or your Account Administrator's failure to perform obligations under the Agreement; the actions, omissions or commissions of you and your agents, including your Account Administrator and any Authorized User relating to the Services; and any delay in carrying out your instructions to add, delete or modify the access rights of any Account Administrator or Authorized User until Chase has a commercially reasonable opportunity to act on a notice given under the Agreement.

Supporting quotations

In addition to the indemnities set forth in the General Terms and Conditions, you shall indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless from and against any and all Losses in connection with any third party claim resulting or arising from:

(a) failure by you or your Account Administrator to abide by or perform any obligation imposed upon you or your Account Administrator under the Agreement; (b) the actions, omissions or commissions of you and your agents, including your Account Administrator and any Authorized User relating to the Services; (c) any delay in the execution of any of your instructions to add, delete or modify the access rights of any Account Administrator or any Authorized Users until we have a commercially reasonable opportunity to act upon any notice given in accordance with the terms of this Agreement.

Qualifications & exceptions

• Covers Losses in connection with a third party claim.
• Applies to this Addendum's Service and is in addition to the General Terms indemnities.

Account & Service Control · Permission or license

For business accounts, you ratify everything your Account Administrator and Authorized Users do

For Business Accounts, you authorize the Account Administrator to appoint any number of Authorized Users to access, view and/or transact on your accounts through the Online Services and to communicate with Chase, and you ratify and confirm all the Account Administrator's activities, existing or future, whether or not within the authority you gave. You also authorize every Authorized User the Administrator designates and ratify their activities in the same way, and delegate to any Authorized User your right to receive Chase's communications about issues they raise. You are responsible for the security of user IDs and Passwords issued to any Authorized User or Account Administrator and for financial transactions or information received using them to the fullest extent allowed by law, and for administering, monitoring and controlling Authorized Users. An Authorized User is any person the Account Administrator designates through the Online Services to perform activities, including accessing, viewing and transacting on all your accounts linked for the Online Services.

Supporting quotations

You authorize the Account Administrator to appoint any number of Authorized Users to access, view and/or transact on your accounts via the Online Services, to communicate with and receive communications from us via the Online Services, and you hereby ratify and confirm any and all such activities of the Account Administrator, whether currently existing or in the future, and whether or not such activities are within the scope of authority you granted to the Account Administrator.

You hereby delegate to any Authorized User, any right you have to receive communications from us

You are responsible for maintaining the security of any user IDs and Passwords issued to any Authorized User or Account Administrator and for any financial transactions performed or information received using such user IDs and Passwords to the fullest extent allowed by law. You are also responsible for the administration, monitoring and control of any Authorized Users in connection with their use of the Online Services.

“Authorized User” means any person or persons designated by the Account Administrator through the Online Services as authorized to perform certain activities within the Online Services, including the ability to access, view and/or transact on all your accounts linked for the Online Services and to communicate with us and receive communications from us, regarding your accounts.

Qualifications & exceptions

• Applies to the Business Accounts terms in Sections 3-5 of this Addendum.
• Ratification covers activities whether or not within the scope of authority you granted.
• Responsibility for user IDs and Passwords is to the fullest extent allowed by law.

Account & Service Control · Permission or license

Account Administrators can obtain and distribute user IDs, Passwords and Chase notices

You agree that each Account Administrator is authorized to request that Chase issue user IDs, Passwords or other security codes or devices for the Online Services; to receive, act on, use and pass on to others on your behalf those credentials and the documents and correspondence about them; and to receive and act on all other notices, documents and correspondence from Chase about the Online Services, including changes or supplements to the Agreement.

Supporting quotations

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

Qualifications & exceptions

• Applies to Business Accounts.

Account & Service Control · Restriction or exception

Tell Chase right away if the Account Administrator changes; Authorized Users' access is not changed automatically

You agree to advise Chase immediately of any change in the identity of the Account Administrator. The Account Administrator's access continues until you give written notice of a change and Chase has had a commercially reasonable time to act. A change of Account Administrator does not automatically affect the access or entitlements of Authorized Users, and maintaining Authorized Users' entitlements is your responsibility. Chase may, at its option and without liability to you, suspend any user's access to the Online Services at any time without prior notice if it deems that reasonably necessary under the circumstances.

Supporting quotations

You understand and agree to advise us immediately of any changes in the identity of the Account Administrator. Access to the Online Services by the Account Administrator as provided herein shall continue until such time as you have given us written notice of any changes to the Account Administrator and until we have had a commercially reasonable time to act upon such notice.

changes to the Account Administrator will not automatically affect the access or entitlements of the Authorized Users to your accounts via the Online Services. It is your responsibility to maintain the entitlements of the Authorized Users at all times

we may at our option and without liability to you, suspend access to the Online Services to any user at any time, without prior notice, if we deem it to be reasonably necessary under the circumstances to do so.

Qualifications & exceptions

• Access continues until written notice and a commercially reasonable time to act.
• Chase may suspend any user's access without notice if reasonably necessary.

Account & Service Control · Permission or license

Linking Consumer Accounts lets Authorized Users act on them; you ratify their activity and Chase has no liability

If you give an Authorized User access to your Consumer Accounts, you authorize them to view and access those accounts, perform any and all transactions available on the Online Services for them, communicate with Chase about them and receive communications about them. You ratify all such activity, current or future, whether or not within the authority you intended to give. You are responsible for the security of user IDs and Passwords issued to any Authorized User for your Consumer Accounts and for transactions or information received using them to the fullest extent allowed by law. Chase has no liability to you, your representatives, heirs and assigns for allowing Authorized Users access to Consumer Accounts you linked as Account Administrator. For a joint account you represent that you have the other individual's permission before adding the Authorized User and you are responsible for all claims arising from failing to get it.

Supporting quotations

You understand that by providing access by an Authorized User to your Consumer Accounts that you are authorizing such Authorized User to: (a) view and access such accounts; (b) perform any and all transactions available on the Online Services relative to such accounts; (c) communicate with us about such accounts; and (d) receive communications from us about such accounts. You hereby ratify and confirm any and all of the foregoing activities of any Authorized User on your Consumer Account, whether currently existing or in the future, and whether or not such activities are within the scope of authority you intended to grant such Authorized User.

You are responsible for maintaining the security of any user IDs and Passwords issued to any Authorized User in conjunction with access to your Consumer Accounts, and for any financial transactions performed or information received using such user IDs and Passwords to the fullest extent allowed by law.

We shall have no liability to you, your representatives, heirs and assigns for allowing Authorized Users such access to your Consumer Accounts that you, as Account Administrator, have linked for the Online Services.

You represent that if the Consumer Account is a joint account with another individual that you have obtained the permission of such individual to allow access by the Authorized User prior to adding such Authorized User and you are responsible for any and all claims arising from your failure to do so.

Qualifications & exceptions

• Applies to Consumer Accounts that you, as Account Administrator, linked for the Online Services.
• Responsibility for credentials is to the fullest extent allowed by law.
• For a joint account, you must have the other individual's permission first.

Account & Service Control · Restriction or exception

Remove Authorized Users' access to your Consumer Accounts before you step down; successors can see linked accounts

You must tell Chase immediately of changes in Authorized Users' authority to access your Consumer Accounts. Access by Authorized Users you designated continues until you change their profile to prevent it. You are responsible for removing Authorized Users' access to your Consumer Accounts within the Online Services before withdrawing or ending your role as Account Administrator, and for all claims arising from failing to do so. A later Account Administrator on a Business Account will have access to your linked Consumer Accounts, including all online history for them, until you ask Chase to remove those accounts and Chase has a commercially reasonable time to act.

Supporting quotations

You understand and agree to advise us immediately of any changes in the authority of the Authorized Users to access your Consumer Accounts. Access to your Consumer Accounts via the Online Services by any Authorized Users you have designated shall continue until such time as you have changed the profile of such Authorized Users to prevent such access.

It is your responsibility to remove access to your Consumer Accounts by any Authorized Users within the Online Services prior to withdrawing or terminating your position as Account Administrator and you are responsible for any and all claims arising from your failure to do so.

any subsequent Account Administrator on a Business Account will have access to your Consumer Accounts that you may have linked for the Online Services (including any and all online history with respect to such Consumer Accounts) until you have requested us to remove such accounts and we have a commercially reasonable time to act upon such request.

Qualifications & exceptions

• Access continues until you change the Authorized User's profile.
• A successor Account Administrator keeps access, including online history, until you request removal and Chase has a commercially reasonable time to act.

Security & Safeguards · Context

Addendum definitions: Account Administrator, Authorized User and IP Security

An Account Administrator is any signer on your Business Account or Consumer Accounts or anyone else you authorize to perform the Administrator activities, and for Commercial Term Lending loans may also mean, if applicable and at Chase's sole discretion, a borrower, guarantor or key principal. An Authorized User is a person the Account Administrator designates through the Online Services to access, view and/or transact on all your accounts linked for the Online Services and to communicate with and receive communications from Chase. IP Security is an administrative procedure Chase recommends for each Authorized User in which the Account Administrator registers and maintains the Internet Protocol addresses used by Authorized Users, which Chase uses to help block access from unregistered IP addresses. If adopted, mobile device access works only through a registered IP address and connections over a cellular network such as 4G are blocked.

Supporting quotations

“Account Administrator” means any signer on your Business Account or Consumer Accounts or any other person authorized by you to perform the Account Administrator activities designated herein.

“Authorized User” means any person or persons designated by the Account Administrator through the Online Services as authorized to perform certain activities within the Online Services

“IP Security” means an administrative procedure which we recommend that you activate and use with respect to each Authorized User

This registration will be used for the purpose of assisting us in blocking access to the Service from unregistered IP addresses. Adoption of IP Security will only allow access to the Service via a mobile device if it is connecting via a registered IP address; connections via a cellular network (e.g., 4G network) will be blocked.

Qualifications & exceptions

• IP Security is recommended, not required.
• Under IP Security, cellular network connections such as 4G are blocked.

Data Access & Collection · Company practice

Account Aggregation Service pulls account data from other institutions, as a convenience only

The Account Aggregation Service Addendum (last updated 12/10/2023) applies in addition to your existing J.P. Morgan Chase account agreements. Chase offers an informational and complimentary service that lets you retrieve financial account information, such as balances, transaction history, holdings, account and routing number and account ownership information (Aggregated Data), from accounts at other financial institutions (Linked Accounts). Linking may be done directly by Chase or by a third-party service provider it engages (Aggregation Vendor). The service is a convenience and not a substitute for account statements or other documentation on non-J.P. Morgan Chase accounts, and you should consult official statements for balances, transactions or investments in Linked Accounts.

Supporting quotations

Last updated: 12/10/2023

This Addendum, in addition to the terms and conditions in your existing J.P. Morgan Chase account agreements, governs your use of the Aggregation Service.

We offer an informational and complimentary service (“Aggregation Service”) that allows you to retrieve your financial account information, such as balances, transaction history, holdings, and account and routing number, and account ownership information (“Aggregated Data”), from accounts with other financial institutions (“Linked Accounts”). Linking an external account may be done directly by us, or by a third party service provider engaged by us (“Aggregation Vendor”).

The Aggregation Service is provided as a convenience and should not be considered a substitute or replacement for account statements

Qualifications & exceptions

• The service is complimentary and informational.
• Linking may be done by Chase or by an Aggregation Vendor it engages.

Not stated here

• The Aggregation Vendor is not named in the Addendum.

Use & Processing · Permission or license

You can use Aggregated Data for consolidated views, ownership and income verification and reports

You can use your Aggregated Data for services that include, but are not limited to, displaying your consolidated financial picture, verifying ownership of accounts, verifying income or assets for underwriting, and customized reports and insights. Depending on the services you choose, Chase may obtain different types of data from your Linked Accounts. By using the Aggregation Service you agree Chase may use Aggregated Data for all purposes necessary and appropriate to provide the products and services you have enrolled in.

Supporting quotations

You can use your Aggregated Data for services which include, but are not limited to, the display of your consolidated financial picture, verification of your ownership of accounts, verification of income or assets for underwriting, and customized reports and insights. Depending on the services you choose to use, we may obtain different types of data from your Linked Accounts.

By using the Aggregation Service, you agree that we may use Aggregated Data for all purposes necessary and appropriate to provide you with the products and services you have enrolled in.

Qualifications & exceptions

• The list of uses is introduced with include, but are not limited to.
• The data Chase obtains depends on the services you choose.

Use & Processing · Permission or license

Chase may also use Aggregated Data to improve tools and develop products, and non-identifying data for its own purposes

In addition, Chase may use Aggregated Data to help optimize your use of the Aggregation Service, understand which other tools, features or functionality may benefit you, and develop, offer and provide you with other products or services. Chase may use Aggregated Data that does not identify you individually, by name or any other means of personal identification, for its own business purposes without notice to or consent from you, without any time limit and without paying any fees.

Supporting quotations

we may use Aggregated Data to: help optimize your use of the Aggregation Service; understand what other of our tools, features, or functionality may be beneficial to you; and develop, offer, and provide you with other products or services.

We may use Aggregated Data that does not identify you individually, whether by name or by any other means of personal identification, for our own business purposes without notice to, or consent of, you, without any particular time limit and without the payment of any fees.

Qualifications & exceptions

• Use of non-identifying Aggregated Data for Chase's own business purposes needs no notice or consent, has no time limit and no fee.
• Use for product development and offers applies to Aggregated Data in general.

Not stated here

• The Addendum does not say how data is made non-identifying.

Account & Service Control · Company commitment

You represent you own the Linked Accounts and can give Chase the credentials to access them

You represent that you have legal ownership of all Linked Accounts you designate (or, in a Business Banking or Commercial Banking relationship, that you are an authorized user), and that you have authority to designate Chase as your agent, to permit Chase to receive Aggregated Data, and to give Chase all information needed to access your Linked Accounts, including passwords and usernames.

Supporting quotations

You represent that you have legal ownership (in the case of a Business Banking or Commercial Banking relationship, you are an authorized user) of all Linked Accounts that you designate for the Aggregation Service. You represent that you have the authority to designate us as your agent and permit us to receive Aggregated Data and to provide us with all information associated with accessing your Linked Accounts (including passwords and usernames and other information as required).

Qualifications & exceptions

• For Business Banking or Commercial Banking relationships, being an authorized user is enough.

Sharing & Disclosure · Permission or license

You give Chase and its Aggregation Vendor a limited power of attorney to act as your agent at other institutions

To provide the service you authorize Chase and the Aggregation Vendor to give authorizations on your behalf with a Linked Account, to the extent you do not do so directly, and to request Aggregated Data under them. You grant Chase and the Vendor a limited power of attorney and appoint each as your attorney-in-fact and agent, able to act independently or jointly, to access Linked Accounts to retrieve information on your behalf, and to use that information in your name and place in any and all capacities as you could in person. You acknowledge that when they do so they act as your agent and not as an agent of the institution holding the Linked Account, and that each Linked Account may rely on these authorizations and the power of attorney. The service is not sponsored or endorsed by any third party.

Supporting quotations

you authorize us and Aggregation Vendor to provide authorizations on your behalf with a Linked Account to the extent you do not do so directly and request Aggregated Data pursuant to those authorizations.

You grant us and Aggregation Vendor a limited power of attorney and appoint us and Aggregation Vendor as your lawful attorneys‐in‐fact and agents, each with authority to act independently or jointly, to access Linked Accounts to retrieve information on your behalf. You grant us the ability to use this information in your name and in your place, in any and all capacities, as fully to all intents and purposes as you might or could do in person.

WE OR AGGREGATION VENDOR, AS APPLICABLE, IS ACTING AS YOUR AGENT AND NOT THE AGENT OF OR ON BEHALF OF THE INSTITUTION HOLDING THE LINKED ACCOUNT. You agree that each Linked Account shall be entitled to rely on the foregoing authorizations, agency appointment, and limited power-of-attorney granted by you to us and Aggregation Vendor for all purposes hereunder. The Aggregation Service is not sponsored or endorsed by any third-party.

Qualifications & exceptions

• The power of attorney is described as limited and tied to accessing Linked Accounts to retrieve information.
• They act as your agent, not the agent of the institution holding the Linked Account.

Not stated here

• The Addendum does not describe what limits apply to the use of the information in your name beyond retrieving information on your behalf.

Account & Service Control · Restriction or exception

Chase can add or remove eligible external accounts at any time; keeping connections working is your job

Chase may add or remove eligible external accounts from the Aggregation Service at any time for any reason and has no obligation to notify you. You agree to take the actions needed to end outstanding authorizations, enter into new or updated authorizations, or otherwise give effect to adding, maintaining or removing Linked Accounts. Connections to Linked Accounts may be lost, and it is solely your responsibility to update them. The institutions that hold your accounts and assets may not be eligible for the Aggregation Service.

Supporting quotations

We may add or remove eligible external accounts from the Aggregation Service at any time for any reason and have no obligation to provide notice to you of any such change.

You agree to take actions necessary to terminate outstanding authorizations, enter into new or update existing authorizations, or otherwise give effect to the maintenance, addition or removal of Linked Accounts. You understand and acknowledge that connections to Linked Accounts may be lost and that it is solely your responsibility to update such connections.

the institutions that have custody of your accounts and assets may not be eligible for the Aggregation Service.

Qualifications & exceptions

• No notice is promised when external accounts are added or removed.
• Updating lost connections is solely your responsibility.

Legal Rights & Agreement Rules · Restriction or exception

Aggregated Data is as-is information, not for trading, and Chase is not your fiduciary or adviser

The Aggregation Service is provided as is and as available, for informational purposes only, and is not meant to replace official records and statements about your assets and accounts. You should not rely on the information for trading or transactional purposes and should always verify the accuracy of Aggregated Data. Information is effective as of the most recent Aggregated Data transmitted and may be inaccurate if the transmission did not complete or the Linked Account information is inaccurate or not current, and Chase relies on the information you provide about your Linked Accounts without further verification. Chase says it is not acting as your administrative or investment fiduciary, giving legal, tax or financial advice, or otherwise providing any financial service in providing the Aggregation Service or regarding Linked Accounts.

Supporting quotations

The Aggregation Service is provided “as is” and “as available” for informational purposes only as a convenience to you, and is not intended to replace official records and statements regarding your assets and accounts. You should not rely on this information for trading or transactional purposes, and should always verify the accuracy of Aggregated Data.

Information will be effective as of the most recent Aggregated Data transmitted from your Linked Accounts and may not be accurate if that transmission was not successfully completed or the information from the Linked Account is otherwise not accurate or current, and we will rely on the information you provide regarding your Linked Accounts, without further verification or validation.

We are not acting as your administrative or investment fiduciary, giving legal, tax, or financial advice, or otherwise providing any financial service in providing the Aggregation Service or with respect to Linked Accounts.

Qualifications & exceptions

• Information reflects the most recent transmission and may be out of date or wrong if a transmission failed.
• Chase does not verify the information you provide about Linked Accounts.

Legal Rights & Agreement Rules · Restriction or exception

Aggregation Service warranties are disclaimed, subject to law that does not allow it

Chase expressly disclaims all warranties, express or implied, for the Aggregation Service and all information, products, services and content provided with it, including implied warranties of merchantability, fitness for a particular purpose, functionality, title and non-infringement and any warranties implied by course of dealing, course of performance or usage of trade. The disclaimers apply notwithstanding anything to the contrary in the Addendum, but are subject to applicable law that does not allow the exclusion of certain warranties.

Supporting quotations

We expressly disclaim all warranties of any kind as to the Aggregation Service and all information, products, services, and content provided in connection with the Aggregation Service, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, functionality, title, and non-infringement, and any warranties implied by any course of dealing, course of performance, or usage of trade, and specifically disclaims any and all implied warranties. The foregoing warranty disclaimers will apply to you notwithstanding anything to the contrary in this Addendum but subject to applicable law that does not allow the exclusion of certain warranties.

Qualifications & exceptions

• Subject to applicable law that does not allow the exclusion of certain warranties.

Legal Rights & Agreement Rules · Restriction or exception

Chase, its vendors and related parties exclude liability for nearly all Aggregation Service losses

To the maximum extent permitted by law, neither Chase nor its third-party service providers (including the Aggregation Vendor), directors, officers, employees, representatives, agents, third party financial institutions, subcontractors or their affiliates (Service Parties) are liable to you or any third party for any damages, claims or losses, direct, indirect, incidental, special, compensatory, consequential or exemplary, including lost profits, goodwill, use, data or other intangible losses, whether in contract, tort (including negligence), product liability or otherwise. The exclusion lists causes such as use or inability to use the service, third-party financial institution websites, unauthorized access to or alteration of customer data, inaccurate information you provide, acts or omissions of Chase or the Aggregation Vendor, service changes or discontinuation, errors or delays in Aggregated Data, events beyond reasonable control, theft, misuse or unauthorized release of Aggregated Data, custodian charges, loss of privacy and any other matter related to the service or reports generated from Aggregated Data.

Supporting quotations

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT NEITHER WE NOR ANY OF OUR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS (INCLUDING AGGREGATION VENDOR), DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AGENTS, THIRD PARTY FINANCIAL INSTITUTIONS AND SUBCONTRACTORS OR ANY OF THEIR RESPECTIVE AFFILIATES (COLLECTIVELY, “SERVICE PARTIES”) WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES, CLAIMS, OR LOSSES (INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES), INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, HOWSOEVER CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR OTHERWISE

(E) UNAUTHORIZED ACCESS TO OR ALTERATION OF CUSTOMER DATA OR CONTENT TRANSMITTED THROUGH THE AGGREGATION SERVICE;

(I) ANY ACT, OMISSION, PERFORMANCE, OR NON-PERFORMANCE OF US OR AGGREGATION VENDOR;

(M) THEFT, MISUSE, CORRUPTION, CONTAMINATION, LOSS, OR UNAUTHORIZED RELEASE OR RECEIPT OF AGGREGATED DATA;

(Q) ANY OTHER MATTER ARISING FROM OR RELATED TO THE AGGREGATION SERVICE OR YOUR USE OF REPORTS GENERATED USING AGGREGATED DATA.

Qualifications & exceptions

• Applies to the maximum extent permitted by law.
• The covered causes include Chase's and the Aggregation Vendor's own acts or omissions and unauthorized release of Aggregated Data.

Not stated here

• The Addendum says these terms are fundamental to the agreement and does not describe any exception for Chase's own conduct, other than the cap on direct damages.

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.

Legal Rights & Agreement Rules · Context

ACH Collections Service Addendum is for business customers and was last updated 12/11/2025

The ACH Collections Service Addendum, marked For Business Customers Only and last updated 12/11/2025, governs your use of the ACH Collections Service. Capitalized terms not defined in the Addendum take their meaning from the General Terms and Conditions, except as the Addendum sets out otherwise, and the Addendum refers to Section 13 below for that exception. In this document the Addendum's section headed Definitions is numbered 15, and the section numbered 13 is headed Warranties; Indemnity, so the reference is quoted as written and this analysis does not decide which section is meant.

Supporting quotations

(For Business Customers Only)

Last updated: 12/11/2025

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

Qualifications & exceptions

• Marked For Business Customers Only.
• The Addendum cites Section 13 for its own defined terms.

Not stated here

• The document does not say why the cited Section 13 is the exception to the use of General Terms definitions; the Definitions section is numbered 15.

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.

Account & Service Control · Restriction or exception

You need a checking account and a Primary Account; collections only from U.S. Payors, subject to approval

To use the ACH Collections Service you must keep a checking account with Chase and designate one of your eligible checking accounts as your Primary Account for collecting recurring monthly service fees. You may designate any of your eligible checking accounts as Deposit To accounts. You agree to use the service only for collections from Payors located within the United States, subject to Chase's approval, and only to issue Instructions for lawful purposes.

Supporting quotations

Description of Services: To use the ACH Collections Service you must maintain a checking account with us and designate one of your eligible checking accounts with us as your Primary Account for the Collection of recurring monthly service fees. You may designate any of your eligible checking accounts with us as your Deposit To accounts for any of your ACH Collections.

You agree to use the ACH Collections Service only for collections from Payors located within the United States, subject to our approval, and you agree to use the ACH Collections Service only to issue Instructions for lawful purposes.

Qualifications & exceptions

• Collections only from Payors located in the United States, subject to Chase's approval.
• The Primary Account is used for recurring monthly service fees.

Use & Processing · Permission or license

You authorize Chase to follow collection Instructions and update Payor details; late ones roll over

To use the service you must provide enough information online to identify your Payors (including whether each is an individual or a business), direct the collection and let the Payor identify you as the originator of the Debit Entry, and complete required fields accurately. By giving Chase the Payors' names and account information you authorize Chase to follow the Instructions it receives through the service and to update or change your Payor information as requested or provided by your Payor. When Chase receives a collection Instruction in your name, Current Day or Future Dated, it originates a Debit Entry to the Payor's account on your behalf. ACH Collections other than Repeating ones initiated on a non-Business Day or after the Cutoff Time on a Business Day show a Send On Date of the next Business Day.

Supporting quotations

To use the ACH Collections Service you must provide sufficient information online to us to properly identify your Payor(s) (including whether a Payor is an individual or a business), direct your collection and permit the Payor to identify you as the originator of the Debit Entry to the Payor’s account. You must complete all required fields with accurate information, as directed by the ACH Collections Service screen messages.

By providing us with the names and account information of those Payors to whom you wish us to collect funds, you authorize us to follow the Instructions that we receive through the ACH Collections Service. You further authorize us to update or change any of your Payor information as requested or provided by your Payor.

When we receive a collection Instruction in your name (either Current Day or Future Dated), we will originate a Debit Entry to the Payor’s account on your behalf.

All ACH Collections (other than Repeating ACH Collections) that are initiated on any non-Business Day or after the Cutoff Time on any Business Day, will reflect a Send On Date of the next Business Day.

Qualifications & exceptions

• Chase may update Payor information as requested or provided by your Payor.
• Non-repeating collections initiated after the Cutoff Time or on a non-Business Day get the next Business Day as Send On Date.

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.

Legal Rights & Agreement Rules · Restriction or exception

ACH Rules govern your Instructions and Chase's processing of them

Your issuance of Instructions and Chase's processing and release of them to the ACH system are governed by the agreement and the Rules. Undefined capitalized terms in the cited sections that are defined in the Rules take the meanings given in the Rules. The relationship between you and Chase for ACH Entries Chase originates in your name on your Instructions is governed by the applicable Rules, except as otherwise provided in the agreement or other agreements you have with Chase, and both are bound by the Rules as in effect from time to time. The text cites this Section 7 and Sections 9-12, while the heading above it is numbered 8, and the document does not explain the numbering.

Supporting quotations

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

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

Qualifications & exceptions

• The Rules are applied as in effect from time to time.
• The Rules yield to terms otherwise provided in the agreement or other agreements with Chase.

Not stated here

• The Rules are not part of this document.
• The paragraph's cited section numbers do not match the heading numbers around it, and the document does not say why.

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.

Legal Rights & Agreement Rules · Company commitment

You give Chase the warranties it gives under the ACH Rules and promise every Debit Entry complies with U.S. law

You must obtain all authorizations needed for Chase to perform the service by Debit Entries and give Chase copies if requested within the specified time. Except as specified, you are deemed to make to Chase the same warranties Chase is deemed to make under the Rules, and Chase has no responsibility for matters you so warrant. For On-Us Entries, the warranties apply from when Chase first processes them. You are not deemed to warrant Chase's power under applicable law to comply with the Rules or the conformity of Debit Entries Chase transmits to the Rules' file specifications. You also represent, warrant and acknowledge that each Debit Entry you originate complies with all applicable U.S. laws and regulations.

Supporting quotations

You shall obtain all authorizations necessary to enable J.P. Morgan Chase to perform the ACH Collections Service by Debit Entries and, if requested, shall furnish J.P. Morgan Chase with copies of such authorizations within the specified time period provided.

Except as specified below, you shall be deemed to make the same warranties to J.P. Morgan Chase as J.P. Morgan Chase is deemed to make under the Rules, and J.P. Morgan Chase shall have no responsibility with respect to matters so warranted by you. In the case of On-Us Entries, such warranties shall be deemed to apply as of the time J.P. Morgan Chase first processes such On-Us Entries.

You shall not be deemed to warrant, however: (a) the power of J.P. Morgan Chase under applicable law to comply with the requirements of the Rules; or (b) the conformity of Debit Entries transmitted by J.P. Morgan Chase to the file specifications contained in the Rules.

each Debit Entry you originate shall comply with all applicable U.S. laws and regulations.

Qualifications & exceptions

• Two warranties are excepted: Chase's legal power to comply with the Rules and conformity to the Rules' file specifications.
• For On-Us Entries the warranties apply from when Chase first processes them.

Not stated here

• The Rules and the warranties they contain are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

You also indemnify Chase and the RDFI for reversals and for Debit Entries sent on your Instructions

In addition to the indemnities in the General Terms, you agree to indemnify, defend and hold harmless the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, from Losses in connection with any third party claim resulting or arising from compliance by Chase and the RDFI with reversing requests or reversing Entries, or from Chase's transmittal of Debit Entries in accordance with Instructions issued in your name.

Supporting quotations

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

Qualifications & exceptions

• Covers Losses in connection with a third party claim.
• Extends to the RDFI as applicable.

Account & Service Control · Procedure

Cancel the ACH Collections Service by phone; fees continue up to two months with no refund

You can cancel the ACH Collections Service by calling 877-CHASEPC (877-242-7372), option 3, and Chase may also require your request in writing. On cancellation you lose access to all ACH Collections Service features. Fees applicable to the service continue to apply for up to two months after you cancel, and you do not get a refund of any fees. Cancelling has no impact on other Services or account relationships you have with Chase.

Supporting quotations

You can cancel the ACH Collections Service by calling 877-CHASEPC (877-242-7372), option 3. When you call us, we may also require you to put your request in writing.

Fees applicable to the ACH Collections Service will continue to apply for up to two months after you cancel the ACH Collections Service. You will not receive a refund of any fees if your ACH Collections Service is cancelled.

such cancellation will have no impact on the other Services or account relationships, if any, with us.

Qualifications & exceptions

• Fees continue for up to two months after cancellation.
• Chase may require a written request in addition to the call.

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.

Account & Service Control · Restriction or exception

ACH Payment Services are for business customers, who may have fewer protections than consumers

The ACH Payment Services Addendum, marked For Business Customers Only and last updated 12/11/2025, governs the service you use to make an ACH Payment. Capitalized terms not defined in the Addendum take their meaning from the General Terms and Conditions, except as the Addendum sets out otherwise, and the Addendum refers to Section 13 below for that exception. You can use the services to send an ACH Payment from your eligible checking account to a Payee's account, but only business banking and private banking business customers who enter into an applicable deposit account agreement with Chase may use them. The Addendum states that business customers may have fewer protections than consumer customers and that certain accounts may not be eligible to fund payments through the services on chase.com. In this document the Addendum's section headed Definitions is numbered 14 and the section numbered 13 is headed Cancellation of the ACH Payment Service, so the cited number is quoted as written.

Supporting quotations

(For Business Customers Only)

Last updated: 12/11/2025

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

You can use the ACH Payment Services to send an ACH Payment from your eligible checking account to a Payee’s account. Only business banking and private banking business customers who enter into an applicable deposit account agreement with us may use the ACH Payment Services. Business customers may have fewer protections than consumer customers. Certain accounts may not be eligible to fund through ACH Payment Services on chase.com.

Qualifications & exceptions

• Only business banking and private banking business customers who enter into an applicable deposit account agreement may use the services.
• Business customers may have fewer protections than consumer customers.

Not stated here

• The document does not say which accounts are ineligible to fund payments through the services on chase.com.
• The Addendum's cited Section 13 does not match the numbering of its Definitions section.

Account & Service Control · Restriction or exception

You must supervise your authorized users and answer for their use of the services

You must supervise the persons you have authorized to use the ACH Payment Services on your behalf, and you are responsible for your authorized users' use of the services.

Supporting quotations

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

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.

Legal Rights & Agreement Rules · Restriction or exception

ACH Rules bind you and Chase, Chase may audit your compliance, and credits are provisional

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

Supporting quotations

When we use capitalized terms in this Addendum not defined in this Addendum or in the General Terms and Conditions, the definition in the ACH Rules applies. The ACH Rules govern the Entries we send on your behalf unless you and we agree otherwise. You and we are bound by the ACH Rules. We may audit your compliance with the ACH Rules.

A Credit Entry by a RDFI to the Receiver is provisional until the RDFI receives final settlement. If the RDFI does not receive settlement, the RDFI may refund the amount credited. You are not deemed to have paid the Receiver the amount of such Credit Entry.

Qualifications & exceptions

• The Rules govern unless you and Chase agree otherwise.
• A Credit Entry is provisional until the RDFI receives final settlement.

Not stated here

• The ACH Rules are not part of this document.

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.

Security & Safeguards · Restriction or exception

Security procedures are a commercially reasonable method; Chase may add stricter ones without liability

Chase's security procedures are only to help prevent unauthorized access to your account. To use the ACH Payment Services you must be an active Chase Online and/or Chase Mobile user with a valid user ID and password, must not disclose your user ID, password, one-time code or other identity information to anyone, even someone with access to your accounts, and must activate the services and establish a recipient and the RDFI before scheduling a payment. You acknowledge the security procedures are a commercially reasonable method of making payments. You log in and authenticate with a username and password and may be asked for additional steps such as security questions or one-time codes. Chase may impose stricter security procedures for any transaction but has no obligation to, will not be liable for delays or losses if it does, and is not obliged to impose them in future.

Supporting quotations

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

You acknowledge the security procedures for ACH Payment Services are a commercially reasonable method of making payments.

When you use ACH Payment Services, you will log into your Chase Online account and authenticate with a username and password and may, from time to time, be asked to complete additional authentication steps like security questions, one-time codes, and other methods of authentication.

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

Qualifications & exceptions

• You acknowledge the security procedures are commercially reasonable.
• Chase has no obligation to impose stricter procedures and is not liable for delays or losses if it does.

Legal Rights & Agreement Rules · Company commitment

You give the same warranties as Chase gives under the ACH Rules and promise each Entry is lawful

Except as specified, you make to Chase the same warranties Chase makes under the ACH Rules, and Chase has no responsibility for those warranted matters. For On-Us Entries your warranties apply when Chase first processes the Entry. You do not warrant Chase's power under applicable law to comply with the ACH Rules or the conformity of Entries Chase transmits to the Rules' file specifications. You represent, warrant and acknowledge that each Entry you originate will comply with all applicable U.S. laws and regulations.

Supporting quotations

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

You represent, warrant and acknowledge that each Entry you originate will comply with all applicable U.S. laws and regulations.

Qualifications & exceptions

• Two matters are excepted from your warranties: Chase's legal power to comply with the Rules and conformity to file specifications.

Not stated here

• The ACH Rules and the warranties they contain are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

You indemnify Chase and the RDFI for Entries sent on your Instructions and for complying with your requests

In addition to your other indemnification obligations, you will indemnify, defend and hold harmless the J.P. Morgan Chase Indemnified Parties and the RDFI, as applicable, from Losses in connection with any third party claim resulting or arising from Chase's transmittal of Entries following your Instructions, and from Chase's or the RDFI's compliance with your request.

Supporting quotations

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

(b) our or the RDFI’s compliance with your request.

Qualifications & exceptions

• Covers Losses in connection with a third party claim.
• Extends to the RDFI as applicable.

Account & Service Control · Procedure

Cancel the ACH Payment Service by phone; fees continue up to two months with no refund

You can cancel the ACH Payment Service by calling 877-CHASEPC (877-242-7372), option 3, and Chase may also require your request in writing. On cancellation you lose access to all features. Fees applicable to the service continue for up to two months after you cancel, and you do not get a refund of any fees. Cancelling has no impact on other Services or account relationships with Chase.

Supporting quotations

You can cancel the ACH Payment Service by calling 877-CHASEPC (877-242-7372), option 3. When you call us, we may also require you to put your request in writing.

Fees applicable to the ACH Payment Service will continue to apply for up to two months after you cancel the ACH Payment Service. You will not receive a refund of any fees if your ACH Payment Service is cancelled.

such cancellation will have no impact on the other Services or account relationships, if any, with us.

Qualifications & exceptions

• Fees continue for up to two months after cancellation.
• Chase may require a written request in addition to the call.

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.

Account & Service Control · Restriction or exception

Bill Payment Service Addendum: eligibility limits and Chase's discretion over accounts and Payees

The Bill Payment Service Addendum, last updated 1/25/2024, governs the service for making Bill Payments. Capitalized terms not defined in it take their meaning from the preamble on page one of the Agreement or the General Terms and Conditions, for example the Glossary, except as the Addendum sets out otherwise, and the Addendum refers to Section 11 below for that exception. Not all accounts are eligible. Chase reserves the right to limit eligibility to certain account types and to change eligibility from time to time, and to restrict the categories or number of recipients or Payees you can pay, in its sole discretion. Eligible accounts are described later in the Addendum.

Supporting quotations

Last updated: 1/25/2024

This Addendum governs your use of the service to make Bill Payments

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

Qualifications & exceptions

• Eligibility and Payee restrictions are in Chase's sole discretion and can change from time to time.

Not stated here

• The eligible accounts are described later in the Addendum and are analyzed where they appear.

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.

Account & Service Control · Company commitment

Keep your email current and follow your other account documents; other payment services have separate terms

Bill Payments appear on the statements for your respective accounts. Certain payments available through the Services, such as the online wire transfer service, payroll and tax payment services and the Zelle Service, may be subject to separate terms or payment authorizations, and you should refer to the agreements and documentation you receive for those services. You agree to update your email address if it changes and keep a working email address on your online profile whenever you use the Bill Payment Service. You also agree to be bound by other written requirements Chase furnishes for your deposit accounts, credit card accounts and other products accessible through the service, including your deposit account agreement and your credit card, mortgage, auto, installment loan or line of credit terms.

Supporting quotations

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

You agree to update your email address if it changes, and maintain a working email address on your online profile at all times you use the Bill Payment Service. You agree to be bound by and comply with such other written requirements as we may furnish to you in connection with your deposit accounts, credit card accounts, and other products that may be accessed via the Bill Payment Service, including your deposit account agreement or other terms and conditions governing your account, credit card, mortgage, auto, installment loan, or line of credit agreements.

Qualifications & exceptions

• Separate terms apply to wire transfer, payroll and tax payment services and the Zelle Service.

Not stated here

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

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.

Account & Service Control · Restriction or exception

e-Bills lets you receive bills electronically; enrolling ends the Payee's paper statements, including accessible formats

E-Bills is a feature of the Bill Payment Service that lets you receive bills electronically from participating Payees. By activating e-Bills you agree to the terms of the section to get e-Bills and related communications electronically and must agree to each Payee's terms, which include not receiving paper bills. Enrolling ends the Payee's paper statements to you, including reformatted ones such as Braille or enlarged font, and any accommodations or exceptions are agreed between you and the Payee and not Chase.

Supporting quotations

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

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

By activating e-Bills, you agree to abide by the terms and conditions stated in this Section to get e-Bills, and to get other related communications electronically. By activating e-Bills, you will be required to agree to each Payee’s terms and conditions, which will also include the requirement to not to receive paper bills. For avoidance of doubt, you understand and agree that enrollment into e- Bills will terminate the provision of paper statements to you by the Payee, including any reformatted paper statements, i.e., Braille or enlarged font, that you were receiving from the Payee, and any accommodations or exceptions will be agreed upon and made between you and the Payee and not J.P. Morgan Chase.

Qualifications & exceptions

• Applies to both Consumer and Business Accounts.
• Accessible paper formats from the Payee end on enrollment unless you and the Payee agree otherwise.

Not stated here

• Each Payee's own e-Bills terms are not part of this document.

Account & Service Control · Restriction or exception

Each Payee is enrolled separately and only one financial institution can deliver its e-Bills

You must enroll each Payee in e-Bills individually. The right to activate and receive e-Bills for a Payee is limited to one financial institution: if you activate e-Bills for a Payee through Chase you no longer receive them through the institution you currently use, and if you activate e-Bills for that Payee through another institution, e-Bills through Chase for that Payee end.

Details not recorded for this card

Supporting quotations

You must enroll each Payee individually in e-Bills. You also acknowledge and agree that the right to activate and receive e-Bills for each Payee is limited to one financial institution. If you activate e-Bills for a particular Payee through us, you will no longer receive e-Bills for that Payee through the financial institution through which you’re currently receiving such e-Bills. Conversely, if you activate e-Bills for a particular Payee through another financial institution, your action will effectively terminate the e- Bills service for that Payee and you will no longer receive such e-Bills through us.

Qualifications & exceptions

• One financial institution per Payee.

Account & Service Control · Restriction or exception

Payees decide whether to approve e-Bills requests; you warrant you may receive them

Participating Payees set their own criteria for reviewing requests to receive e-Bills and have sole discretion to accept or decline; Chase does not participate in the decision. Payees generally take up to five Business Days to approve a setup request. By requesting that bills, statements or related communications be sent to you electronically, you warrant that you have the right, power and authority to receive them.

Supporting quotations

Participating Payees establish their own criteria for reviewing requests to receive e-Bills and have sole discretion to accept or decline your request. We do not participate in this decision. Participating Payees generally take up to five (5) Business Days to approve an e-Bill set-up request. By requesting that bills, statements, or other related communications be sent to you electronically, you warrant that you have the right, power, and authority to receive them.

Qualifications & exceptions

• Approval takes generally up to five Business Days and is at the Payee's sole discretion.

Account & Service Control · Restriction or exception

e-Bills terms bind all borrowers, account holders and authorized users, individually and jointly

Any individual borrower, account holder or authorized user on your loan, line of credit or account can enroll in and use e-Bills. Regardless of who enrolls, the terms of this section apply to all borrowers, account holders and authorized users, individually and jointly.

Supporting quotations

Any individual borrower, account holder or authorized user on your loan, line of credit, or account can enroll in and use e-Bills. Regardless of the individual who enrolls in e-Bills, the terms of this Section apply to all borrowers/account holders/authorized users, individually and jointly.

Qualifications & exceptions

• Applies to all borrowers, account holders and authorized users, individually and jointly.

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.

Account & Service Control · User right or choice

Anyone can cancel e-Bills; Chase may stop delivering them, and cancellation takes at least seven Business Days

All parties have the right to cancel the e-Bills service at any time, and Chase may elect to discontinue delivering e-Bills for certain Payees or customers and will notify you if it or a Payee stops e-Bills. If you ask for an e-Bill to be discontinued, Chase generally needs at least seven Business Days for the Payee to receive and process the request, so you may get no paper statement from the Payee, or continue to receive e-Bills from Chase for one or two cycles instead of through the new institution you activated. Chase also reserves the right to terminate a Payee's participation in e-Bills at any time.

Supporting quotations

f. Cancel e-Bills. All parties have the right to cancel the e-Bills service at any time. We may also elect to discontinue delivering e-Bills for certain Payees or customers. We will notify you if J.P. Morgan Chase or a Payee discontinues/stops e-Bills. If you request that an e- Bill be discontinued, we generally require at least seven (7) Business Days for the Payee to receive and process the request. Therefore, you may not receive a paper statement from the Payee, and/or you may not receive an e-Bill through the new financial institution through which you have activated the e-Bill service for the Payee, but continue to receive e-Bills from us instead for one or two cycles. We also reserve the right to terminate a Payee’s participation in e-Bills at any time.

Qualifications & exceptions

• Discontinuing an e-Bill generally takes at least seven Business Days, during which you may miss a statement or bill.

Sharing & Disclosure · Permission or license

To enroll in e-Bills you authorize Chase and its provider to pass your Payee username and password to the Payee

When you request e-Bills from a participating Payee you provide certain information such as a required username and password. You authorize Chase and its third party service provider to collect that information and forward it to the Payee on your behalf, and you appoint them as your agent for the limited purpose of completing your enrollment. If you have concerns about the Payee's future use of this information, you should contact the Payee directly.

Supporting quotations

When you request e-Bills from a participating Payee you will provide certain information such as required username and password, and you authorize us and our third party service provider to collect and forward such information onto the Payee on your behalf, and you appoint us and our third party service provider as your agent for the limited purpose of completing your enrollment.

If you have concerns about the future use of this information by the Payee you should contact your Payee directly.

Qualifications & exceptions

• The agency appointment is for the limited purpose of completing your enrollment.

Not stated here

• The third party service provider is not named, and the Payee's use of the information is governed by the 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.

Account & Service Control · Restriction or exception

e-Bills are a convenience, may be in English only, and payments due remain your responsibility

You understand that e-Bills are provided for your convenience and payments due continue to be your responsibility. e-Bills and their content may be available only in English, not a foreign language such as Spanish, even if you receive the Payee's bill in a foreign language or use Chase's website or app in a foreign language. By using e-Bills you agree to receive them in English, and Chase is not responsible for delivering them in a foreign language; questions on this go to the Payee.

Supporting quotations

i. Acknowledgements and Agreements. You understand and agree that

e-Bills are provided for your convenience, and payments due continue to be your responsibility;

e-Bills (and any content contained therein) may only be available in English, and not in a foreign language, including Spanish, regardless of whether you currently receive a Payee’s bill in a foreign language, depending on the Payee. By using e- Bills, you agree to receive the e-Bills in English, even if you use or access J.P. Morgan Chase’s website, mobile application or J.P. Morgan Chase’s other products and services in a foreign language. You agree that J.P. Morgan Chase is not responsible for delivering the e-Bills to you in a foreign language, and any questions regarding this issue will be directed to your Payee;

Qualifications & exceptions

• The language depends on the Payee, and e-Bills may be available only in English.

Account & Service Control · Restriction or exception

e-Bills may not be accessible to screen readers or WCAG-conformant, even if the e-Bill summary is

The e-Bill summary, which may include the statement date, due date and amounts due and differs from the e-Bill, is accessible by screen reader software and other Assistive Technology as presented on any Chase digital platform. The e-Bills themselves and their content may not be presented in a way accessible to screen readers or assistive technology that conform to web content accessibility guidelines (WCAG), regardless of whether you can currently access the Payee's bill online or in an app with such technology. By using e-Bills you agree to receive them as provided, which may include an inaccessible format, and Chase is not responsible for delivering e-Bills in a digitally accessible format that conforms to WCAG; questions go to the Payee.

Supporting quotations

the e-Bill summary (and any content contained therein) is accessible via screen reader software and other Assistive Technology (“AT”) as presented on any J.P. Morgan Chase digital platform. The e-Bill summary may include the statement date, due date, amounts due and/or other information, and is different from the e- Bill;

e-Bills (and any content contained therein) may not be presented in a way which is accessible to screen reader software or AT which are conformant to web content accessibility guidelines (WCAG), regardless of whether you currently can access Payee’s bill online or via digital application using screen reader software or other AT, depending on the Payee. By using e-Bills, you agree to receive the e-Bills as provided, which may include an inaccessible format, even if you use or access J.P. Morgan Chase’s website, mobile application or J.P. Morgan Chase’s other products and services by using screen reader software or other AT. You agree that J.P. Morgan Chase is not responsible for delivering the e- Bills to you in a digitally accessible format which conforms to WCAG, and any questions regarding this issue will be directed to your Payee.

Qualifications & exceptions

• The e-Bill summary is described as accessible; the e-Bill itself may not be.
• Accessibility depends on the Payee.

Legal Rights & Agreement Rules · Restriction or exception

Chase is not responsible for Payees or for disputes, refunds, chargebacks or rewards between you and them

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

Supporting quotations

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

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

Qualifications & exceptions

• Covers payments, returns, refunds, chargebacks, loyalty and rewards offers and benefits, and disputes between you and a Payee or other third parties.

Not stated here

• The Payees' own terms are not part of this document.

Legal Rights & Agreement Rules · User right or choice

Consumer Accounts: liability and error rights come from your account agreements

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, and to your home equity line of credit or other credit documents for liability for unauthorized charges or errors on those accounts. You should use your Consumer Account to send or receive payments for personal, family or household purposes and your Business Account for business purposes. For errors or questions about electronic funds transfers made through Payments and Transfers, you should consult your account agreement for details and reporting time frames.

Supporting quotations

8. ADDITIONAL TERMS APPLICABLE ONLY TO BILL PAYMENTS FOR CONSUMER ACCOUNTS.

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

Qualifications & exceptions

• Applies to Consumer Accounts.
• Consumer Accounts are for personal, family or household payments; Business Accounts for business payments.

Not stated here

• The deposit account agreement and credit documents are not part of this document, so the liability rules and reporting time frames cannot be stated here.

Legal Rights & Agreement Rules · Restriction or exception

Paper check payments fall outside these terms; the section cites its own number inconsistently

If Chase tells you the Delivery Method for your payment is paper check and makes the payment by paper check, the terms in this section do not apply to the payment, and your rights for erroneous paper checks, including those you did not authorize, are in Section V of Chase's Deposit Account Agreement. If Chase makes the payment electronically, the terms apply even if Chase told you the Delivery Method was paper check. The paragraph refers to the terms as this Section 8 in one place and this Section 2 in another, while the section is headed 8, and the document does not explain the second reference.

Supporting quotations

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

If we make the payment electronically, this Section 2 will apply to the payment even if we told you the Delivery Method for your payment is a paper check.

Qualifications & exceptions

• Paper check payments are excluded; electronic payments are included even if the Delivery Method was described as paper check.

Not stated here

• The Deposit Account Agreement is not part of this document.
• The reference to Section 2 does not match the section's heading number, 8, and the document does not say which provisions are meant.

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.

Account & Service Control · Restriction or exception

Business customers can link accounts with the same tax ID and some Consumer Accounts

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

Supporting quotations

a. Linking Multiple Accounts – Business and Consumer

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

Qualifications & exceptions

• Applies to Bill Payments for Business Accounts.
• Linking Consumer Accounts requires the same authorized signer and accurate, validated account information.

Legal Rights & Agreement Rules · Restriction or exception

Business Deposit Accounts: you answer for Password-authorized payments, and late reporting bars claims

For Business Deposit Accounts only, you are responsible for all Bill Payments authorized using your Password, and if you permit others to use the Bill Payment Service or your Password you are responsible for any transactions they authorize. Chase is not liable for errors or losses you sustain in using the service except where it fails to exercise ordinary care in processing a transaction, and is not liable if the accounts involved are no longer linked for Bill Payments. Where it is liable, its liability is limited to the amount improperly transferred from your From Account less any amount that would have been lost even with ordinary care. Without regard to care or lack of care by either of you, failing to report an unauthorized Bill Payment or error within the time frames in your account agreement relieves Chase of liability for losses after the reporting period ends and you cannot assert the claim.

Supporting quotations

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

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

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

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

Qualifications & exceptions

• Applies to Business Deposit Accounts only.
• Chase's liability is limited to ordinary care failures and to the amount improperly transferred less what would have been lost anyway.
• Failure to report within the account agreement's time frames bars later claims.

Not stated here

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

Legal Rights & Agreement Rules · Procedure

Business Deposit Accounts: errors and questions are handled under your account agreement

For errors or questions about electronic funds transfers made through Payments and Transfers on Business Deposit Accounts, the Addendum tells you to consult your account agreement for details.

Details not recorded for this card

Supporting quotations

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

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

Qualifications & exceptions

• Applies to Business Deposit Accounts only.

Not stated here

• The account agreement is not part of this document, so its error-resolution steps cannot be described.

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.

Account & Service Control · Procedure

Cancel the Directory Service by phone or online; pending payments then go by paper check

You may cancel the service by calling 877-CHASEPC (877-242-7372) or online, and the same number is for changing information or reversing Electronic Payments. Chase may cancel the service at any time. Cancellation by either party is effective within two Banking Days. Pending, recurring or future-dated payments or transfers scheduled as of the cancel date, and any directed to you after it, are processed by paper check. After cancellation the Addendum no longer applies to you and you are removed from Chase's bill pay directory, and cancelling has no impact on other Online Services or account relationships.

Supporting quotations

4. Cancellation of the Electronic Payment Service

You may cancel the Service by calling 877-CHASEPC (877-242-7372) or online. (You should also call this number to change any information or to reverse any Electronic Payments.) We may cancel the Service at any time. Cancellation by either party will be effective within two (2) Banking Days.

any such payments or transfers will be processed via paper check. In the event the Service is canceled, this Addendum will no longer apply to you, you will be removed from our bill pay directory, and any payments or transfers directed to be sent to you after the cancel date will be by paper check.

Qualifications & exceptions

• Cancellation is effective within two Banking Days.
• Payments to you after cancellation are sent by paper check.

Account & Service Control · Restriction or exception

QuickDeposit for Mobile lets eligible account holders deposit checks by phone images, with endorsement rules

The Chase and J.P. Morgan QuickDeposit for Mobile Addendum, last updated 9/22/2022, governs the Service. To enroll you must be an authorized signer or owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or savings account, a J.P. Morgan Wealth Management investment account or other accounts Chase determines in its sole discretion (Eligible Accounts). The Service lets you deposit to an Eligible Account using the Chase Mobile or J.P. Morgan Mobile app and a capture device such as a smartphone to create front and back images of an Item and transmit them with related data to Chase or its designated processor. You must use software and hardware provided by or acceptable to Chase, you are solely responsible for information transmitted or key-entered by you, your employees or agents, and before scanning you must endorse each Item with your name and the legend For Electronic Deposit at Chase Only, For Electronic Deposit at J.P. Morgan Only or For Electronic Deposit at JPMS Only, or as otherwise instructed, and follow other procedures Chase sets. Conditions of the Service are that you keep the Eligible Accounts in good standing, subscribe to the Service and comply with restrictions Chase communicates.

Supporting quotations

Last updated: 9/22/2022

This Addendum governs your use of the Chase and J.P. Morgan QuickDeposit Service

In order to enroll in the Service, you must be designated as an authorized signer or owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or savings account, J.P. Morgan Wealth Management investment account and other accounts as we may determine in our sole discretion from time to time (each, an "Eligible Account").

The Service is designed to allow you to make certain deposits to an Eligible Account electronically by using a Chase Mobile or J.P. Morgan Mobile application (as applicable) and capture device (such as a smartphone or other mobile device) to (i) create electronic images of the front and back of an Item by scanning the Item and (ii) transmit it and related data to us or our designated processor for review and processing in accordance with this Addendum.

Before you scan any Item, you shall endorse all Items with your name and the legend "For Electronic Deposit at Chase Only," for Chase customers, or "For Electronic Deposit at J.P. Morgan Only," for J.P. Morgan clients for deposits to bank accounts, or "For Electronic Deposit at JPMS Only" for investment accounts, or as otherwise instructed by us.

As conditions to Chase’s and J.P. Morgan’s provision of the Service, you shall (i) maintain the Eligible Account(s) in good standing, (ii) subscribe to the Service and (iii) comply with such restrictions on the Service as we may communicate to you from time to time.

Qualifications & exceptions

• Eligible Accounts include accounts Chase determines in its sole discretion from time to time.
• The endorsement legend depends on whether the deposit is to a Chase bank account, a J.P. Morgan bank account or an investment account.

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.

Legal Rights & Agreement Rules · Company commitment

Your QuickDeposit warranties: accurate images, no duplicates, security, paper origin and U.S. banks only

You represent, warrant and covenant to Chase that any image it receives accurately and legibly represents all the information on the front and back of the original Item; the information you transmit includes all MICR-line information required for a substitute check and the accurate amount; no person will receive a transfer, presentment or return of, or be charged for, the Item or a representation of it so that someone is asked to pay on an Item already paid; you will not redeposit through the Service an Item previously deposited and returned unless Chase advises otherwise; you will use commercially reasonable security measures and firewalls to protect transmissions and storage and prevent unauthorized access or duplicate presentment; you will use the Service only for Items that originated as paper Items; if depositing Items for third parties to investment accounts, the owner has authorized you to negotiate and transmit them; you will transmit only Items drawn on or payable at or through banks located within the United States; and if you scan Items from outside the United States, the authorization covers cross-border transmittal.

Supporting quotations

You represent, warrant, and covenant to us that:

any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn;

the information you transmit to us corresponding to an Item contains a record of all applicable MICR-line information required for a substitute check and the accurate amount of the Item;

no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item

you will not redeposit through the Service any Item previously deposited and returned to you unless we advise you otherwise;

you will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment;

you will use the Service only to transmit Items that originated as paper Items;

if you are depositing Items on behalf of third parties, the owner of the Item has authorized you to negotiate the Item and electronically transmit the Item; (for deposits to Investment accounts),

you will only transmit Item(s) that are drawn on or payable at or through banks located within the United States; and

if you are scanning Items from a location outside of the United States, such authorization covers the cross-border transmittal of the Item.

Qualifications & exceptions

• The third-party authorization warranty applies to deposits to Investment accounts.
• Only Items drawn on or payable through U.S. banks may be transmitted.

Account & Service Control · Restriction or exception

QuickDeposit Classic for Business Banking: scan checks by scanner, phone or tablet, endorsed For Deposit Only

The Chase QuickDeposit Classic for Business Banking Addendum, marked For Business Customers Only and last updated 4/4/2024, governs the Service. It lets you deposit to an eligible account by using a capture device to create an electronic image of an Item and transmit it and related data to Chase. You must use software and hardware provided by or acceptable to Chase and are solely responsible for information transmitted, supplied or key-entered by you, your employees or agents, and before scanning you must endorse each Item with your name and the legend For Deposit Only. Deposits using a single feed or multi-feed check feeder scanner ordered from J.P. Morgan Chase may only be made from a location within the United States and its territories, while deposits using an eligible mobile device or tablet without a scanner attached may be scanned from any location.

Supporting quotations

(For Business Customers Only)

Last updated: 4/4/2024

This Addendum governs your use of the Chase QuickDeposit Service as described below

The Service allows you to make certain deposits to an eligible account electronically by using a capture device to create an electronic image of an Item by scanning the Item and transmitting it and related data to us. As part of the Service you must use software and hardware provided by or acceptable to us. You are solely responsible for information or data that is transmitted, supplied or key-entered by you, your employees or agents. Before you scan any Item, you shall endorse all Items with your name and the legend “For Deposit Only”.

Deposits made via a single feed check or multi-feed check feeder scanner (ordered from J.P. Morgan Chase) may only be made from a location within the United States and its territories. Deposits made via an eligible mobile device or eligible tablet device (without single feed or multi-feed scanner attached) may be scanned from any location.

Qualifications & exceptions

• Scanner deposits must be made from the United States and its territories; mobile or tablet deposits may be scanned from any location.
• Marked For Business Customers Only.

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.

Legal Rights & Agreement Rules · Company commitment

Classic deposit warranties begin: accurate images, MICR data and technical standards

You represent, warrant and covenant to Chase that any image it receives accurately and legibly represents all information on the front and back of the original Item as originally drawn; that the information you transmit includes all applicable MICR-line information required for a substitute check and the accurate amount of the Item; and that the Item conforms to the technical standards for an Electronic Item in Federal Reserve Board Regulation J or Federal Reserve Bank operating circulars and for a substitute check in Federal Reserve Board Regulation CC. The list of warranties continues in the next section of the document.

Supporting quotations

You represent, warrant, and covenant to us that:

any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn;

the information you transmit to us corresponding to an Item contains a record of all applicable MICR-line information required for a substitute check and the accurate amount of the Item;

the Item conforms to the technical standards for an Electronic Item set forth in Federal Reserve Board Regulation J, or Federal Reserve Bank operating circulars and for a substitute check set forth in Federal Reserve Board Regulation CC;

Qualifications & exceptions

• The warranty list continues in the next section.

Not stated here

• The remaining warranties are analyzed in the next section.

Legal Rights & Agreement Rules · Company commitment

Classic deposit warranties continue: no duplicates, security, paper origin, lawful use and third-party authority

You also represent and covenant that no person will receive a transfer, presentment or return of, or be charged for, the Item (original or a paper or electronic representation) so that someone is asked to pay on an Item already paid; that you will not redeposit through the Service an Item previously deposited and returned unless Chase advises otherwise; that you will employ commercially reasonable security measures and firewalls to protect transmissions and storage and prevent unauthorized access or duplicate presentment; that you will transmit only Items that originated as paper Items; that you will comply with all laws and regulations applicable to your use and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority; that if you deposit Items for third parties the owner authorized you to negotiate and electronically transmit them; and that if you scan Items from outside the United States, which is permitted only via an eligible mobile device or tablet, that authorization covers cross-border transmittal.

Supporting quotations

no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid;

you will not redeposit through this Service any Item previously deposited and returned to you unless we advise you otherwise;

you will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment;

you will only transmit items that originated as paper Items;

you will comply with all laws and regulations applicable to you in your use of the Service and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority;

if the you are depositing Items on behalf of third parties, the owner of the Item has authorized you to negotiate the Item and electronically transmit the Item; and

if you are scanning Items from a location outside of the United States (only permitted via an eligible mobile device or eligible tablet device), such authorization covers the cross-border transmittal of the Item.

Qualifications & exceptions

• Scanning from outside the United States is permitted only via an eligible mobile device or tablet.
• The third-party authorization applies when you deposit Items on behalf of third parties.

Account & Service Control · Restriction or exception

Products may be used only by you and your Affiliates, and you answer for the Affiliates

You agree the Products will be used only by you and your Affiliates, provided each Affiliate agrees to be bound by the terms, and you are liable for your Affiliates' acts and omissions in connection with the Products. In this Addendum Affiliates are entities that control, are controlled by or are under common control with you, and control means possessing, directly or indirectly, more than a 50% ownership interest in an entity.

Supporting quotations

5. Use of Products

You agree that the Products will be used only by you and your Affiliates, provided that each Affiliate agrees to be bound by the terms hereof and further that you will be liable for your Affiliates' acts and omissions in connection with the Products. For purposes of this Addendum, "Affiliates" means those entities that control, are controlled by or are under common control with you. For purposes of this definition, "control" (including with correlative meaning, controlled by, and under common control with) means the possession, directly or indirectly, of greater than a 50% ownership interest in an entity.

Qualifications & exceptions

• Each Affiliate must agree to be bound by the terms.
• Control means more than a 50% ownership interest.

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.

Security & Safeguards · Context

Fraud Protection Services are free data-matching tools for business checking accounts

The Fraud Protection Services Addendum, marked For Business Customers Only and last updated 12/11/2025, governs the services, which are data matching services made up of the Positive Pay Service, the Reverse Positive Pay Service and the ACH Debit Block Service. Capitalized terms not defined in it take their meaning from the General Terms and Conditions except as it sets out otherwise, and it refers to Section 9 below for that exception. There is no fee for any of the Fraud Protection Services. They are tools you may select for eligible checking accounts to help you manage risks from Items and ACH debits presented against your accounts by deciding which checks are paid or returned unpaid and which ACH debits are allowed or blocked.

Supporting quotations

(For Business Customers Only)

Last updated: 12/11/2025

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

The Services are data matching services comprised of the Positive Pay Service, the Reverse Positive Pay Service, and the ACH Debit Block Service. There is no fee for any of the Fraud Protection Services.

For each eligible checking account, you may elect to enroll that account in the ACH Debit Block Service and either the Positive Pay Service or the Reverse Positive Pay Service or neither of them; provided, however, that you may not enroll an account in both the Positive Pay Service and the Reverse Positive Pay Service at the same time.

Qualifications & exceptions

• For each eligible checking account you may enroll in the ACH Debit Block Service and either Positive Pay or Reverse Positive Pay, or neither.
• An account cannot be enrolled in both Positive Pay and Reverse Positive Pay at the same time.

Account & Service Control · Restriction or exception

Positive Pay and Reverse Positive Pay enrollment stops original checks coming with your statement

The services let you decide which checks are paid or returned unpaid and which ACH debits are allowed or blocked. When you enroll in either the Positive Pay Service or the Reverse Positive Pay Service, you no longer receive the original Items with your account statement. The Addendum says it is a best practice to monitor the security dashboard daily for pending transactions.

Supporting quotations

These Services are tools that you may select for eligible checking accounts to help you manage and control risks associated with the payment of Items as well as ACH debits presented against your accounts by enabling you to decide which checks are to be paid or returned unpaid as well as which ACH debits are to be allowed or blocked.

When you enroll in either the Positive Pay Service or the Reverse Positive Pay Service, you will no longer receive the original Items with your account statement. When using Fraud Protection Services, it is a best practice to monitor the security dashboard daily for pending transactions.

Qualifications & exceptions

• Applies once you enroll in Positive Pay or Reverse Positive Pay.

Account & Service Control · Restriction or exception

Eligibility: a U.S. dollar checking account; switching services may leave you unprotected for a few days

You must maintain a checking account with Chase domiciled in the United States and denominated in US Dollars. Not all checking accounts are eligible, and Chase may change eligibility criteria and which accounts are eligible for any of the services at any time. You may unenroll an account from one service and enroll it in another at any time, subject to eligibility, but a change may leave a gap period of a few days in which none of the services is available for that account. You take all responsibility for any liability, loss or damage occurring during or related to that gap period and agree to work with Chase to minimize it. Your checks must be printed within Chase's guidelines in the Account Rules and Regulations.

Supporting quotations

2. Eligibility

You shall maintain a checking account with us domiciled in the United States and denominated in US Dollars. Not all checking accounts are eligible for the Fraud Protection Services, and we may change eligibility criteria and which checking accounts are eligible for any or all of the Fraud Protection Services at any time.

a change in the Fraud Protection Services may result in a gap period during which none of the Fraud Protection Services is available with respect to that account for a few days. You take all responsibility for any liability, loss or damage occurring during or related to that gap period and to work with us to minimize any liability, loss or damage occurring during or related to that gap period.

Your checks must be printed within our guidelines as set forth in the Account Rules and Regulations.

Qualifications & exceptions

• Chase may change eligibility criteria and eligible accounts at any time.
• A switch between services can create a gap of a few days with no protection, and you bear the responsibility.

Not stated here

• The Account Rules and Regulations check-printing guidelines are not part of this document.

Account & Service Control · Procedure

Activation needs Chase approval; Positive Pay can take three to seven Business Days

To activate and use the services you must have and maintain one or more deposit accounts with Chase and submit a request on Chase Online for Business. Activation is subject to Chase's approval, and Chase may require you to enter service activation codes it provides. Reverse Positive Pay is available the next Business Day after activation, Positive Pay's estimated activation date is within three to seven Business Days after enrollment, and the ACH Debit Block Service is activated within two Business Days of enrollment, with later changes effective within two Business Days. Submitting Positive Pay Issuance Information is required for Positive Pay activation, Items issued and presented to Chase before the activation date are not subject to Positive Pay, and Items presented after it are.

Supporting quotations

To activate and use the Fraud Protection Services, you must have and maintain one or more deposit accounts with us, and request activation of the Fraud Protection Services by submitting the request on Chase Online for Business. Activation of the Fraud Protection Services is subject to our approval, and we may require you to enter the service activation codes that we may provide to you.

The Reverse Positive Pay Service is available for use the next Business Day after activation. The estimated activation date for use of the Positive Pay Service will be within three (3) to seven (7) Business Days after Service enrollment. Submission of Positive Pay Issuance Information (as defined below) is required for Positive Pay service activation. Positive Pay Issuance Information submitted for Items issued before the activation date and presented to J.P. Morgan Chase for payment before the activation date will not be subject to the Positive Pay Service. Items presented to J.P. Morgan Chase for payment after the activation date will be subject to the Positive Pay Service.

The ACH Debit Block Service will be activated within two (2) Business Days upon enrollment. Any changes made to an existing ACH Debit Block Service will be effective within two (2) Business Days after you make the change.

Qualifications & exceptions

• Activation is subject to Chase's approval.
• Positive Pay: three to seven Business Days; Reverse Positive Pay: next Business Day; ACH Debit Block: two Business Days.

Security & Safeguards · Procedure

Positive Pay: send issue details by 8:00 p.m. ET each day you issue checks, exactly as printed

For a checking account enrolled in Positive Pay, you must give Chase, by 8:00 p.m. ET on the day you issue Items, through Chase Online or another agreed method, the account number, Item serial number (check number), dollar amount and issue date for each Item (the Positive Pay Issuance Information). The service does not compare the Payee name, and the information you provide must be exactly as it appears on the Item.

Supporting quotations

4. The Positive Pay Service

You will provide us, by 8:00 p.m. ET on the day on which you issue Items on a checking account enrolled in the Positive Pay Service, via Chase Online or another mutually agreed upon transmission method, the following issuance information for each Item: (i) account number; (ii) Item serial number (i.e., check number); (iii) dollar amount, and (iv) issue date (collectively, the “Positive Pay Issuance Information”).

The Positive Pay Service does not compare the Payee name. The Positive Pay Issuance Information provided by you must be exactly as it appears on the Item.

Qualifications & exceptions

• Deadline is 8:00 p.m. ET on the day you issue the Items.
• The Payee name is not compared.

Security & Safeguards · Procedure

Positive Pay mismatches: decide by the 4:00 PM branch cutoff or the check may be returned

Chase compares the Positive Pay Issuance Information with the Items presented. If an Item arrives with no issuance information or with information different from what you provided, Chase notifies you through Chase Online or another method on the Business Day after the discrepant Item is presented, with details of any discrepancy in account number, check number or dollar amount. You can view the discrepant Item on Chase Online and must tell Chase by the Positive Pay Service Cutoff Time that same Business Day whether you authorize it for payment (the Positive Pay Presentment Decision). That cutoff is 4:00 PM local time at the branch where the account is maintained, and the section heading states the default decision is Return. If you fail to give a decision by the cutoff, Chase is authorized to return the discrepant Item, unless otherwise agreed in writing, and to charge a returned check fee to your account or any of your other accounts.

Supporting quotations

b. Discrepancies/Default Decision is Return.

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

“Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

In the event that you fail to inform us of your Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we are authorized to return such discrepant Item, unless otherwise agreed to in writing between you and us, and to charge a returned check fee to your account for such Item or to any of your other accounts.

Qualifications & exceptions

• The decision is due by the Positive Pay Service Cutoff Time, 4:00 PM local time at the branch where the account is maintained.
• The default if you do not decide is that Chase may return the Item and charge a returned check fee, unless otherwise agreed in writing.

Not stated here

• The notification is on the Business Day after presentment; the Addendum does not say what happens if you cannot access Chase Online.

Security & Safeguards · Restriction or exception

Chase may rely on Positive Pay instructions it reasonably believes are genuine

Chase is entitled to rely on any instructions it receives from you and reasonably believes to be genuine. If you do not give your Positive Pay Presentment Decision on a discrepant Item by the Positive Pay Service Cutoff Time, Chase is authorized to return the Item, unless otherwise agreed in writing, and to charge a returned check fee to your account or any of your other accounts.

Supporting quotations

We are entitled to rely on any instructions which we receive from you and reasonably believe to be genuine.

In the event that you fail to inform us of your Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we are authorized to return such discrepant Item, unless otherwise agreed to in writing between you and us, and to charge a returned check fee to your account for such Item or to any of your other accounts.

Qualifications & exceptions

• Applies to instructions Chase reasonably believes are genuine.
• Returning a discrepant Item without a decision can be changed only by written agreement.

Legal Rights & Agreement Rules · Restriction or exception

Chase may pay matching or properly payable Positive Pay Items and need not examine signatures

Chase is authorized to pay any Item drawn on an account enrolled in Positive Pay when it receives Positive Pay Issuance Information that matches the Item, or when the Item is otherwise properly payable. Chase is not obliged to keep signature cards for your account, and whether or not it does, it is never obliged to inspect a check for the presence or authenticity of a signature or whether it is authorized. You acknowledge and agree that following these procedures instead of examining signatures counts as good faith and ordinary care by Chase in handling Items presented against the account.

Supporting quotations

c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in the Positive Pay Service for which: (i) we receive Positive Pay Issuance Information, provided the Positive Pay Issuance Information matches the corresponding information for the Item, or (ii) the Item is otherwise properly payable.

We are not obligated to maintain signature cards for your account and whether or not we do maintain signature cards; in no event shall we be obligated to inspect any check for the presence or authenticity of any signature or whether or not the signature is authorized. You acknowledge and agree that our adherence to these procedures, in lieu of signature examination, shall constitute the exercise of good faith and ordinary care by us in handling Items presented for payment against such account.

Qualifications & exceptions

• Applies to accounts enrolled in the Positive Pay Service.
• You agree that adherence to the procedures in place of signature examination is good faith and ordinary care.

Legal Rights & Agreement Rules · Restriction or exception

Positive Pay over-the-counter cashing: Chase can refuse, decides by the Positive Pay data and you indemnify

Chase may, without liability to you, refuse to pay any Item presented for encashment at a branch. If an Item drawn on a Positive Pay account is presented for encashment at a branch, you authorize Chase to pay or decline it based on the Positive Pay Service information at the teller line. Chase may charge a person who cashes an Item on your account a fee if that person is not a Chase customer. You unconditionally release, indemnify and hold harmless the J.P. Morgan Chase Indemnified Parties against Losses in connection with a third party claim arising from an Item being cashed over-the-counter, including Chase's refusal to cash any Item.

Supporting quotations

d. Over the Counter Presentment for Encashment. We may, without liability to you, refuse to pay any Item presented for encashment at any of our branch locations. If an Item drawn on an account enrolled in the Positive Pay Service is presented for encashment at one of our branch locations, you authorize us to pay or decline such Item based on the Positive Pay Service information at the teller line.

We may charge a person who cashes an Item drawn on your account a fee if that person is not our customer.

You agree to unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against any and all Losses in connection with any third party claim resulting or arising from an Item being cashed over-the-counter, including our refusal to cash any Item.

Qualifications & exceptions

• Applies to Items presented for encashment at a Chase branch.
• Covers Losses in connection with a third party claim, including a refusal to cash.

Security & Safeguards · Procedure

Mark Items not in circulation as void in the issuance data, and use a stop payment if you lack the original

You agree to indicate in the Positive Pay Issuance Information that an Item is void for Items not in circulation. If you do not have the original Item, or have not otherwise destroyed the original Item while in your possession, and you want to stop payment, you must place a stop payment order for that Item.

Supporting quotations

e. Voided Items or Stop Payments. You agree to indicate in the Positive Pay Issuance Information that an Item is void with respect to Items that are not in circulation. If you are not in possession of the original Item (or have not otherwise destroyed the original Item while in your possession) and you wish to stop payment for such Item, then you must place a stop payment order for such Item.

Qualifications & exceptions

• Applies to Items not in circulation.
• A stop payment order is needed if you do not have, or have not destroyed, the original Item.

Security & Safeguards · Procedure

Reverse Positive Pay: Chase tells you the next Business Day about Items above your threshold and you compare them

For each Item on a Reverse Positive Pay account presented for payment in an amount greater than any threshold amount you set, Chase notifies you by the Business Day after presentment, through Chase Online or another agreed method, of the account number, Item serial number and dollar amount (the Reverse Positive Pay Information). You are responsible for comparing that information with your issuance information for each Item. Chase has no liability for any discrepancy for an Item in an amount less than or equal to the threshold you established for the account.

Supporting quotations

5. The Reverse Positive Pay Service.

For each Item drawn on an account enrolled in the Reverse Positive Pay Service and presented to us for payment that is in an amount greater than any threshold amount that you may establish, we will notify you, by the Business Day following presentment of the Item, the following information via Chase Online or another mutually agreed transmission method: (i) your account number; (ii) Item serial number; and (iii) dollar amount (collectively, the “Reverse Positive Pay Information”).

You shall have the responsibility of comparing the Reverse Positive Pay Information with your issuance information for each Item. We shall have no liability for any discrepancy for any Item drawn on an account that is in an amount less than or equal to the threshold amount for that account established by you.

Qualifications & exceptions

• Only Items above the threshold amount you establish are reported.
• Chase has no liability for discrepancies on Items at or below the threshold.

Security & Safeguards · Procedure

Reverse Positive Pay: ask to return a wrong Item by 4:00 PM the next Business Day, or it may be paid

If, from the Reverse Positive Pay Information, you decide an Item should not be paid, you must initiate through Chase Online or another method a request to return it by the Reverse Positive Pay Service Cutoff Time on the Business Day after presentment, giving the account number, Item serial number and dollar amount. That cutoff is 4:00 PM local time at the branch where the account is maintained. Chase may rely on any decision it reasonably believes is genuine. The section heading states the default decision is Pay, and failing to review the Information or to submit a decision by the cutoff may result in the Item being paid unless Chase agrees otherwise in writing. Another part of the Addendum states that if Chase gets no Reverse Positive Pay decision by the cutoff it may pay the Item.

Supporting quotations

b. Discrepancies/Default Decision is “Pay.” If, on the basis of the Reverse Positive Pay Information provided to you, you determine that an Item presented to us should not be paid, then, you will initiate, by means of Chase Online or another transmission method selected by us, by the Reverse Positive Pay Service Cutoff Time on the Business Day after the Business Day of presentment of an Item to us, a request to return the discrepant Item (the “Reverse Positive Pay Presentment Decision”).

We are entitled to rely upon any Reverse Positive Pay Presentment Decision which we receive and which we reasonably believe to be genuine.

Your failure to review our transmission of Reverse Positive Pay Information or failure to initiate a Reverse Positive Pay Presentment Decision by the Reverse Positive Pay Service Cutoff Time for any Item may result in the payment of any such Item unless otherwise agreed to in writing by us.

“Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

if we do not receive any Reverse Positive Pay Presentment Decision with respect to any Item by the Reverse Positive Pay Service Cutoff Time, we may pay any such Item.

Qualifications & exceptions

• The return request is due by the Reverse Positive Pay Service Cutoff Time, 4:00 PM local branch time, on the Business Day after presentment.
• The default if you do not decide is that the Item may be paid, unless Chase agrees otherwise in writing.

Legal Rights & Agreement Rules · Restriction or exception

Reverse Positive Pay: Chase pays Items without a timely return decision and need not examine signatures

Chase is authorized to pay any Item on a Reverse Positive Pay account for which it provides Reverse Positive Pay Information and does not receive a timely Presentment Decision, and it will return any Item for which a timely decision to return is received. Chase is not obliged to keep signature cards for your account and whether or not it does, it is never obliged to inspect an Item for the presence or authenticity of a signature or whether it is authorized. You acknowledge that following these procedures in place of signature examination is good faith and ordinary care by Chase in handling Items presented against your account.

Supporting quotations

c. Item Payment. We are authorized to pay any Item drawn on any account enrolled in the Reverse Positive Pay Service for which we provide Reverse Positive Pay Information and do not receive a timely Reverse Positive Pay Presentment Decision. We will return any Item for which a timely Presentment Decision to return an Item is received.

We are not obligated to maintain signature cards for your account and whether or not we do maintain signature cards, in no event shall we be obligated to inspect any Item for the presence or authenticity of any signature or whether or not the signature is authorized. You acknowledge that our adherence to these procedures, in lieu of signature examination, shall constitute the exercise of good faith and ordinary care by us in handling Items presented for payment against your account.

Qualifications & exceptions

• Applies to accounts enrolled in the Reverse Positive Pay Service.

Security & Safeguards · Restriction or exception

Reverse Positive Pay gives little or no protection against over-the-counter cashing

If an Item on a Reverse Positive Pay account is presented for encashment at a Chase branch, you authorize Chase to pay it as long as it follows its usual and customary over-the-counter encashment procedures, as amended from time to time. Chase may charge a person who cashes an Item on your account a fee if that person is not a Chase customer. You unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against Losses in connection with a third party claim arising from an Item being cashed over-the-counter, including Chase's refusal to cash any Item. You acknowledge and agree that Reverse Positive Pay may provide little, or no, protection for over-the-counter presentment at branches.

Supporting quotations

d. Over-the-Counter Presentment for Encashment. If an Item on any account enrolled in the Reverse Positive Pay Service is presented for encashment at one of our branch locations, you authorize us to pay the Item as long as we follow our usual and customary over-the-counter encashment procedures (as amended from time to time).

We may charge a person who cashes an Item drawn on your account a fee if that person is not our customer.

You agree to unconditionally release, indemnify and hold the J.P. Morgan Chase Indemnified Parties harmless against any and all Losses in connection with any third party claim resulting or arising from an Item being cashed over-the-counter, including our refusal to cash any Item.

You acknowledge and agree that the Reverse Positive Pay Service may provide little, or no, protection to you with respect to Item presentment over-the-counter for encashment at our branches.

Qualifications & exceptions

• Applies to Items on Reverse Positive Pay accounts presented for encashment at a Chase branch.
• Chase follows its usual and customary over-the-counter procedures, which can be amended from time to time.

Not stated here

• The usual and customary over-the-counter encashment procedures are not described in this document.

Security & Safeguards · Restriction or exception

ACH Debit Block allows only originators you name; you supply the correct ACH Company ID

Once you enroll an account in the ACH Debit Block Service, Chase allows only originators you designate as Authorized Originators to post ACH debits to it. You are solely responsible for giving Chase all necessary and correct information to add an Authorized Originator, namely the ACH Company ID, and Chase is not liable for any transaction it blocks or fails to block based on the information you provide; you should confirm the ACH Company ID with each originator before adding it. An Authorized Originator is an ACH Company ID you have authorized, and any originator not designated is a Blocked Originator, and Chase blocks all its attempts to post ACH debits. For example, the Internal Revenue Service and other taxing authorities are Blocked Originators unless you expressly authorize them. If you remove the service from an account, any originator can post ACH debits to it as before you enrolled.

Supporting quotations

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

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

Upon enrollment in the ACH Debit Block Service, we will block all attempts to post ACH debits to your account by all originators not designated as an Authorized Originator. For clarity, any originator not designated as an Authorized Originator by you is a Blocked Originator. To illustrate, the Internal Revenue Service as well as other taxing authorities will be Blocked Originators unless you expressly authorize them as Authorized Originators.

“Authorized Originator” refers to an ACH Company ID that you have authorized to post ACH debits to your account.

“Blocked Originator” refers to an ACH Company ID that you have not authorized to post ACH debits to your account.

Qualifications & exceptions

• Chase is not liable for transactions it blocks or fails to block based on the ACH Company ID you provide.
• Taxing authorities such as the IRS are blocked unless you authorize them.
• Removing the service from an account re-opens it to any originator.

Security & Safeguards · Procedure

ACH Debit Block review option: you decide per debit by 9:00 PM ET, otherwise your general instruction applies

When the review feature is enabled and you use it, you can review and override your existing instructions to block or unblock certain ACH transactions. Chase presents information on eligible ACH debits attempted against your enrolled accounts so you can decide per transaction whether to pay or return each, but cannot guarantee all eligible debits will be presented and is not liable for any failure to present them. You must give instructions in the provided interface by the ACH Debit Block Service Cutoff Time, defined as 9:00 PM ET, or Chase processes the debit per your general Instruction. Chase may rely on any Instruction it reasonably believes genuine, and may process a debit under your existing instructions if you take no action or your override instruction is defective or untimely. The review option is automatically enabled for new enrollments and can be disabled on the settings tab, and for existing enrollments it can be enabled or disabled there where available.

Supporting quotations

When enabled, ACH Debit Block allows you to review and override your existing instructions to block or unblock certain of your ACH transactions being processed.

We will present you with information on eligible ACH debits that are attempted to be withdrawn from your enrolled Accounts to enable you to decide on a per transaction basis whether to pay or return each attempted ACH debit. We cannot guarantee that all eligible ACH debits will be presented to you. We have no responsibility for, and shall not be liable to you in connection with, any failure to present such information;

You must provide your instructions using the interface provided for ACH Debit Block Service by the ACH Debit Block Service Cutoff Time.

“ACH Debit Block Service Cutoff Time” refers to 9:00 PM ET.

We are entitled to rely on any Instruction which we receive from you and reasonably believe to be genuine; and

We are authorized to process an ACH debit in accordance with your existing instructions if you take no action to override your instructions, or your instructions to override are defective or untimely.

The option to review will be automatically enabled for new enrollments but can be disabled on the FPS settings tab.

Qualifications & exceptions

• The decision is due by 9:00 PM ET, the ACH Debit Block Service Cutoff Time.
• Chase cannot guarantee that all eligible ACH debits will be presented to you.
• Defective or untimely override instructions are not honored.

Security & Safeguards · User right or choice

Transaction Limits cap debits from an Authorized Originator; unset limits follow ACH operating rules

A Transaction Limit is the maximum amount of a single ACH debit that can be posted to your account, and you may set one for an individual Authorized Originator. If you set one, Chase allows that originator to post ACH debits up to the limit and blocks the full amount of any debit over the limit. If you do not set a Transaction Limit for an Authorized Originator, that originator may debit your account up to the limit established by the ACH operating rules. You may apply a Transaction Limit for each Authorized Originator per enrolled account.

Supporting quotations

c. Transaction Limit. If you set a Transaction Limit for any Authorized Originator, we will:

(i) allow that Authorized Originator to post ACH debits to your account up to the Transaction Limit you set for that Authorized Originator; and (ii) block the full amount of an ACH debit any Authorized Originator attempts to post to your account if the ACH debit is over the applicable Transaction Limit.

If you do not set a Transaction Limit for an Authorized Originator, that Authorized Originator may debit your account up to the limit established by the ACH operating rules. You may elect to apply a Transaction Limit for each of the Authorized Originators per enrolled account.

“Transaction Limit” refers to the maximum amount of a single ACH debit that can be posted to your account.

Qualifications & exceptions

• A debit over the limit is blocked in full, not just the excess.
• Without a Transaction Limit the ACH operating rules' limit applies.

Not stated here

• The ACH operating rules' limit is not stated in this document.

Security & Safeguards · Restriction or exception

ACH Debit Block does not stop Chase's own corrections, offsets, reversals, fees and older debits

The ACH Debit Block Service does not block certain ACH transactions: debits to your account that offset ACH credit entries you originated through Chase; reversals of previously received ACH credit entries; returns or reversals by the RDFI of ACH debit entries you originated through Chase; reclamation entries; debits Chase or its agent or affiliate initiates to correct processing errors, effect back valuations or make other adjustments, or for fees, charges or other amounts you owe Chase or its affiliate; debits Chase posts under its internal procedures to comply with applicable law, rules and regulations, including payment system rules or guidance; and debits for any transaction originated before you enrolled in the service.

Supporting quotations

d. Transactions Not Affected by Blocking. This ACH Debit Block Service does not apply to certain transactions.

Debits to your account to offset any ACH credit entries originated by you through us;

Reversals of previously-received ACH credit entries;

Returns or reversals by the RDFI of ACH debit entries originated by you through us;

Reclamation entries (debits);

Debits to your account initiated by us or our agent or affiliate to correct processing errors, effect back valuations, or make other adjustments, or for fees, charges, or other amounts you owe us or our affiliate;

Debits to your account that we post pursuant to our internal procedures in order to comply with applicable law, rules, and regulations (including payment system rules or guidance); and

Debits to your account for any transaction originated before you enrolled in the ACH Debit Block Service.

Qualifications & exceptions

• The seven listed types of ACH transactions are not blocked.
• Debits for transactions originated before enrollment are not blocked.

Security & Safeguards · Restriction or exception

Chase can override your ACH debit decisions for insufficient funds, stop payments, fraud, legal reasons or outages

Chase may override your ACH debit decisions and take a different action on your behalf in certain circumstances. It may return an ACH debit you approved if there are insufficient funds in your account to cover it, a stop payment was previously placed on the transaction, Chase determines the transaction must be returned for fraud, risk-management, legal or regulatory reasons, or the Service is unavailable. Chase may also process certain ACH debits you decided to return, including debits it processes under its internal procedures, to comply with any legal requirement, payment system rule or guidance.

Supporting quotations

e. We may override your ACH debit decisions and take a different action on your behalf under certain circumstances as listed below.

i. We may override your ACH debit instructions and return certain ACH debits you approve if:

there are insufficient funds in your Account to cover the ACH debit;

a stop payment was previously placed on the transaction;

we determine the transaction must be returned for fraud, risk-management, legal, or regulatory reasons; or

the Service is unavailable.

ii. We may override your ACH debit instructions and process certain ACH debits you decide to return, including ACH debits we process per our internal procedures, to comply with any legal requirement, payment system rule or guidance.

Qualifications & exceptions

• Four listed reasons allow Chase to return a debit you approved.
• Chase may process a debit you decided to return where needed to comply with a legal requirement, payment system rule or guidance.

Security & Safeguards · Company practice

In an outage Chase may extend cutoffs or use alternatives but need not; unmade decisions default as stated

If there is a disruption of the Digital Platforms generally or the Fraud Protection Services specifically, Chase may, but is not obliged to, extend applicable Cutoff Times, send Positive Pay Information and Reverse Positive Pay Information to you by fax or email, and designate alternative procedures for using the services and for receiving issuance information and presentment decisions. You should call Chase Online Customer Service at 877-CHASEPC (877-242-7372) with any question or concern or if the services are unavailable. Notwithstanding anything else in the section, if Chase receives no Positive Pay decision on a discrepant Item by the Positive Pay Service Cutoff Time it may return the Item, and if it receives no Reverse Positive Pay decision on an Item by the Reverse Positive Pay Service Cutoff Time it may pay the Item.

Supporting quotations

7. Unavailability of Service/Alternative Service

In the event of a service disruption involving the Digital Platforms, generally, or the Fraud Protection Services, specifically, we may, but shall not be obligated to, extend applicable Cutoff Times, or to fax, email or otherwise send Positive Pay Information and/or Reverse Positive Pay Information to you, and we may, but shall not be obligated to, designate alternative procedures for utilization of the Fraud Protection Services and for us to receive Positive Pay Issuance Information, Positive Pay Presentment Decisions, and Reverse Positive Pay Presentment Decisions. You should call Chase Online Customer Service at 877-CHASEPC (877-242-7372) with any question or concern, or if the Fraud Protection Services are unavailable.

Notwithstanding anything to the contrary contained in this Section: (a) if we do not receive any Positive Pay Presentment Decision about any discrepant Item by the Positive Pay Service Cutoff Time, we may return such discrepant Item, and (b) if we do not receive any Reverse Positive Pay Presentment Decision with respect to any Item by the Reverse Positive Pay Service Cutoff Time, we may pay any such Item.

Qualifications & exceptions

• Extending cutoffs or providing alternatives is at Chase's option, not an obligation.
• The default outcomes are return for Positive Pay and pay for Reverse Positive Pay.

Legal Rights & Agreement Rules · Restriction or exception

The name Fraud Protection Services carries no warranty; the tools help you prevent errors and fraud

No representation or warranty of any kind is intended or to be inferred from the name Fraud Protection Services, which is a name given to the Positive Pay Service, the Reverse Positive Pay Service and the ACH Debit Block Service, available as data matching tools for your use on Chase Online to help you discharge your responsibility to prevent errors and fraud with respect to Items presented against your accounts.

Details not recorded for this card

Supporting quotations

8. Disclaimer

No representation or warranty of any kind or description is intended or to be inferred from the name “Fraud Protection Services,” which is a name given for the Positive Pay Service, the Reverse Positive Pay Service, and the ACH Debit Block Service available as data matching tools for your use on Chase Online to aid you to discharge your responsibility to prevent errors and fraud that may exist with respect to Items presented against your accounts.

Qualifications & exceptions

• The services are described as tools to aid your responsibility to prevent errors and fraud.

Security & Safeguards · Context

Fraud Protection Services definitions: cutoff times, originators, services and Transaction Limit

In this Addendum, ACH Company ID is the ID for an originator as it appears on the originator's company/batch header record, and the ACH Debit Block Service refers to the services in Section 6. The ACH Debit Block Service Cutoff Time is 9:00 PM ET, and the Positive Pay and Reverse Positive Pay Service Cutoff Times are each 4:00 PM local time at the branch office where the account is maintained. Cutoff Times means those three cutoff times. An Authorized Originator is an ACH Company ID you have authorized to post ACH debits to your account and a Blocked Originator is one you have not. The Positive Pay Service refers to the services in Section 4 and the Reverse Positive Pay Service to those in Section 5. A Transaction Limit is the maximum amount of a single ACH debit that can be posted to your account, and you may set one for an individual Authorized Originator.

Supporting quotations

9. Definitions

“ACH Company ID” refers to the ACH Company ID for an originator, as it appears on that originator’s company/batch header record.

“ACH Debit Block Service” refers to the services described in Section 6 of this Addendum.

“ACH Debit Block Service Cutoff Time” refers to 9:00 PM ET.

“Authorized Originator” refers to an ACH Company ID that you have authorized to post ACH debits to your account.

“Blocked Originator” refers to an ACH Company ID that you have not authorized to post ACH debits to your account.

“Cutoff Times” refers to the ACH Debit Block Service Cutoff Time, the Positive Pay Service Cutoff Time, and the Reverse Positive Pay Service Cutoff Time.

“Positive Pay Service” refers to the services described in Section 4 of this Addendum.

“Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

“Reverse Positive Pay Service” refers to the services described in Section 5 of this Addendum.

“Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch office where the account is maintained.

“Transaction Limit” refers to the maximum amount of a single ACH debit that can be posted to your account. You may set a Transaction Limit for an individual Authorized Originator.

Qualifications & exceptions

• ACH Debit Block: 9:00 PM ET; Positive Pay and Reverse Positive Pay: 4:00 PM local time at the branch where the account is maintained.

Account & Service Control · Restriction or exception

Gifting Service lets you buy digital merchant gift cards for people in the U.S.; no physical cards

The Gifting Service Addendum, last updated 10/4/2021, lets you use your eligible From Account to buy a digital merchant gift card to send to another J.P. Morgan Chase customer or anyone you know residing in the United States. Eligible accounts are currently certain J.P. Morgan Chase checking accounts, and Chase has the right to determine eligibility and to restrict categories of accounts, recipients and merchants in its sole discretion. You cannot buy a physical gift card through the service. Chase provides the service through an arrangement with its gift card service provider or the merchant that accepts the card and the merchant's vendor.

Supporting quotations

Last updated: 10/4/2021

You may use your eligible From Account to buy a digital merchant gift card (“Gift Card”) to send to another J.P. Morgan Chase customer, as well as anyone you know residing in the United States (the “Gifting Service”).

We have the right to determine eligibility and to restrict categories of accounts and recipients to whom Gift Cards can be sent using the Gifting Service in our sole discretion.

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

We provide the Gifting Service through an arrangement with our gift card service provider or the merchant that accepts the Gift Card and the merchant’s vendor.

Qualifications & exceptions

• Recipients must reside in the United States.
• Eligibility of accounts, recipients and merchants is in Chase's sole discretion.

Legal Rights & Agreement Rules · Restriction or exception

Chase does not sell or issue the gift cards, is not responsible for their providers and offers no card support

Chase does not sell or issue the Gift Cards: when you buy one you are purchasing it from the merchant or its vendor, and it can be used only with that merchant. Chase is not responsible for any damage or harm to you or any third party from the purchase and does not warrant the availability or functionality of a Gift Card, or for acts or omissions of its gift card service provider, the merchant or their vendor. A Gift Card is subject to terms imposed by the merchant and its vendor, which Chase does not control, though nothing in them limits Chase's rights or your obligations to Chase. Chase provides no Gift Card support for issues arising after issuance, which you must take to the provider, merchant or vendor.

Supporting quotations

We do not sell or issue the Gift Cards. When you buy a Gift Card through the Gifting Service, you are purchasing a Gift Card from the merchant or its vendor that can only be used with that merchant. We are not responsible for any damage or harm to you or any third party resulting from the purchase of a Gift Card through the Gifting Service. We do not warrant the availability or functionality of a Gift Card purchased through the Gifting Service.

We are not responsible for any acts or omissions by our gift card service provider or the merchant or their vendor.

A Gift Card is subject to terms and conditions imposed by the merchant that accepts the Gift Card and the merchant’s vendor. We do not control the terms of a Gift Card purchased through the Gifting Service. Nothing in those terms and conditions limits our rights or your obligations under any agreement between you and us. We do not provide Gift Card support services related to issues arising after the issuance of the Gift Card. You must contact our gift card service provider or the merchant or their vendor to resolve issues related to a Gift Card arising after issuance of the Gift Card.

Qualifications & exceptions

• Gift Cards can be used only with the merchant that issues them.
• Chase's non-responsibility covers harm from the purchase and acts or omissions of its provider, the merchant and the vendor.

Not stated here

• The merchants' gift card terms are 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.

Sharing & Disclosure · Company practice

Chase shares your gift card and recipient details with its provider, the merchant and the merchant's vendor

Chase shares your Gift Card information, including the recipient's information, with its gift card service provider or the merchant, who will share it with their vendor. Those parties are responsible for delivering the Gift Card to the person you choose at the email address or contact information you provided. If your payment is successful, you authorize Chase to withdraw and transfer money from your From Account in the Gift Card amount, immediately or on the Send On Date as applicable, to pay the provider or merchant.

Supporting quotations

We will share your Gift Card information including recipient’s information with our gift card service provider or the merchant, who will share the information with their vendor. Our gift card service provider or the merchant and the merchant’s vendor are responsible for delivering the Gift Card to the person you choose and to the email address or other contact information you provided.

If your payment for the Gift Card is successful, you authorize us to withdraw and transfer money from your From Account in the amount of the Gift Card immediately or on the Send On Date, as applicable, to pay our gift card service provider or the merchant.

Qualifications & exceptions

• Recipients' information is passed on to the merchant's vendor.

Not stated here

• The merchants', providers' and vendors' own data practices are not described in this document.

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.

Legal Rights & Agreement Rules · Context

Invoicing Service Addendum is an agreement with WePay, Inc., a Chase subsidiary, last updated June 2026

The Invoicing Service Addendum, last updated June 2026, governs a service to create, edit, send by email, text or other messaging channels, track and manage professional invoices for goods and services you provide to your customers (Purchasers), which can include the methods by which you wish to be paid. It states that this Addendum is a legal agreement between you and WePay, Inc., a Delaware corporation and a subsidiary of JPMorgan Chase Bank, N.A. In this Addendum we, our and us mean Chase and WePay together. Capitalized terms not defined in it take their meaning from the General Terms and Conditions except as it sets out otherwise.

Supporting quotations

Addendum: Invoicing Service

Last updated: June 2026

This Addendum governs your use of the service to create, edit, send (via email, text, or other messaging channels), track, and manage professional invoices (the “Invoicing Service”) for the goods and services you provide to share with your customers (“Purchasers”), which can include the methods by which you wish to be paid.

This Addendum is a legal agreement between you and WePay, Inc., a Delaware corporation (“WePay”). WePay is a subsidiary of JPMorgan Chase Bank, N.A. (“Chase,” and collectively with WePay, “we,” “our” or “us”).

Qualifications & exceptions

• The contracting party named for this Addendum is WePay, Inc., with Chase also included in we, our and us.
• Last updated June 2026.

Legal Rights & Agreement Rules · Restriction or exception

Invoicing may run through other Platforms and incorporates policies from chase.com, wepay.com and the Platform's site

The Invoicing Service may be provided directly through a mobile device or through integrations with websites or applications (Platforms), and the Platform you use might have its own terms of service and privacy policy that apply to you. The Agreement incorporates by reference all policies, notices and other content on Chase's and WePay's websites at www.chase.com and www.wepay.com, and policies, notices and other content about the Service on the Platform's website (together, the Website).

Supporting quotations

The Invoicing Service may be provided to you directly through a mobile device or through integrations with websites or applications (“Platforms”). The Platform through which you access the Service might have its own terms of service and privacy policy that apply to you.

This Agreement incorporates by reference all policies, notices, and other content that appear on our websites at www.chase.com and www.wepay.com as well as policies, notices, and other content concerning the Service that appear on the Platform’s website (collectively, the “Website”).

Qualifications & exceptions

• The incorporation by reference covers content on www.chase.com, www.wepay.com and the Platform's website about the Service.

Not stated here

• The policies, notices and other content on those websites and the Platform's terms and privacy policy are not part of this document, so what they say cannot be described here.

Use & Processing · Restriction or exception

You are responsible for invoice content and for getting your Purchasers' consent to emails and texts

You are responsible for the contents, details and terms associated with any invoice you give your Purchaser, and agree not to modify the formatting, branding or disclosures WePay or Chase includes on an invoice you create. You must make sure you have any necessary consent from your Purchaser to send an email and/or text message, and you are responsible for obtaining and keeping that consent. If you send by text or certain messaging channels, your Purchaser may see the phone number of the device you send the link from, and messaging and data rates may apply.

Supporting quotations

1. General Terms Applicable to the Invoicing Service

you agree to be responsible for contents, details, and terms and conditions associated with any invoice you provide to your Purchaser. You agree that you will not modify the formatting, branding, or disclosures included by WePay or Chase on any invoice you create.

You must ensure that you have any necessary consent from your Purchaser to send an email and/or text message to them, and you acknowledge that you are responsible for obtaining and retaining such Purchaser consent. In the case of sending by text or certain messaging channels, your Purchaser may see the phone number of the device that you send the link from. Messaging and data rates may apply.

Qualifications & exceptions

• You must obtain and retain Purchaser consent for emails and texts.
• Your Purchaser may see your device's phone number when the link is sent by text or certain messaging channels.

Legal Rights & Agreement Rules · Restriction or exception

No health information, business use only, no abusive content, and you handle your own tax reporting

You may not use the Invoicing Service to store, transmit or otherwise process Protected Health Information. The service is not designed to meet HIPAA, HITECH, the HIPAA Omnibus amendments or their regulations and may not be used for processing, transmitting or storing electronic PHI. You agree to use it for business purposes only and not to include abusive or other unrelated or inappropriate content in any invoice, and WePay and Chase reserve the right to terminate your use if they determine, in their sole and reasonable discretion, that you included such content. You are solely responsible for appropriate tax reporting of all funds you collect through the service, whether for goods, services, fees or tips as applicable.

Supporting quotations

You are prohibited from using the Invoicing Service to store, transmit or otherwise process any Protected Health Information (“PHI”). The Invoicing Service is not designed to comply with the requirements of the Health Insurance Portability and Accountability Act (“HIPAA”), Health Information Technology for Economic and Clinical Health Act (“HITECH”), the HIPAA Omnibus amendments and implementing regulations promulgated thereunder, and may not be used for the processing, transmission or storage of any electronic PHI.

You agree that you will use the Invoicing Service for business purposes only, and will not include any abusive or other unrelated or inappropriate content in any invoice you create using the Invoicing Service. You further acknowledge and agree that we reserve the right to terminate your use of the Invoicing Service if we determine you have included abusive, unrelated, or inappropriate content in your use of the Invoicing Service in our sole and reasonable discretion.

you agree that you are solely responsible for the appropriate tax reporting of all funds you collect through this service whether for goods, services, fees, or tips as applicable.

Qualifications & exceptions

• Protected Health Information may not be stored, transmitted or processed.
• Termination for abusive, unrelated or inappropriate content is in Chase's and WePay's sole and reasonable discretion.

Legal Rights & Agreement Rules · Restriction or exception

WePay or Chase can change features without notice; if you edit invoices you notify Purchasers and indemnify

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

Supporting quotations

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

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

Qualifications & exceptions

• Feature changes need no prior notice.
• The indemnity applies to resulting chargebacks, reversals, refunds or Payment Network Liabilities when you edit invoices.

Not stated here

• Payment Network Liabilities is not defined in this part of the Addendum.

Legal Rights & Agreement Rules · Restriction or exception

The service is hosted by third parties, and Chase is not liable if their unavailability affects it

The Invoicing Service is provided as a software as a service solution and Chase and WePay may use one or more third party service providers to host it, so its availability may depend on theirs. In addition to the other disclaimers and limits of liability, they will not be liable to you or any third party if unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.

Supporting quotations

2. Changes to the Invoicing Service; Termination

You acknowledge and agree that the Invoicing Service is provided as a software as a service solution, and in providing the Invoicing Service, we may utilize the services of one or more third party service providers to host the Invoicing Service. You understand and agree that the availability of the Invoicing Service may be dependent on the corresponding availability of these third party services. In addition to the other disclaimers and limitations on liability set forth herein, you acknowledge and agree that we will not be liable to you or any third party in the event that unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.

Qualifications & exceptions

• Applies where unavailability is caused by the acts or omissions of a third party service provider.

Not stated here

• The third party service providers are not named.

Retention & Deletion · Company practice

Chase may suspend or end the Invoicing Service with reasonable notice; you have 30 days to retrieve data

Chase and WePay may suspend or terminate the Invoicing Service at any time in their sole discretion. If they do, they will give written notice reasonably in advance. If they terminate the service, you have thirty days from the date of the termination notice to retrieve your data from it, and you are solely responsible for accessing, retrieving and storing the data in that period. After the thirty days they have no further obligation to store or maintain your data and have the right to delete it from their systems.

Supporting quotations

We reserve the right to suspend or terminate the Invoicing Service at any time in our sole discretion. If we elect to suspend or terminate the Invoicing Service, we will provide written notice to you reasonably in advance of such suspension or termination.

If we terminate the Invoicing Service, you will have thirty (30) days from the date of notice of termination to retrieve your data from the Invoicing Service. You are solely responsible for accessing, retrieving, and storing the applicable data during the applicable thirty (30) day period. Following the applicable thirty (30) day period, we shall have no further obligation to store or maintain your data and we will have the right to delete your data from our systems.

Qualifications & exceptions

• Written notice is promised reasonably in advance of suspension or termination.
• You have thirty days from the date of notice of termination to retrieve your data.

Not stated here

• How far in advance a reasonable notice is not stated.

Legal Rights & Agreement Rules · Restriction or exception

Invoicing Service is as-is; if it fails or data is lost, your sole remedy is to stop using it

In accordance with the General Terms and Conditions, the Invoicing Service is provided as is and as available without warranties of any kind. If the Invoicing Service ceases to function as intended or otherwise fails, you lose access to any data, or the service is no longer accessible or available to you, your sole and exclusive remedy is to cease using it.

Supporting quotations

3. Limitation of Liability; No Warranties

are provided “as is” and “as available” without warranties of any kind. In the event that the Invoicing Service cease to function as intended or otherwise experiences a failure, you lose access to any data, and/or the Invoicing Service are no longer accessible or available to you, your sole and exclusive remedy shall be to cease using the Invoicing Service.

Qualifications & exceptions

• Applies if the service stops functioning as intended, fails, you lose data access or it becomes unavailable.

Legal Rights & Agreement Rules · Restriction or exception

Third-party hosting: Chase is not liable when a hosting provider's unavailability affects the service

The Invoicing Service is provided in whole or in part as a software as a service solution, and Chase and WePay may use one or more third party providers to host it, so availability of the service or certain features may depend on theirs. They will not be liable to you or any third party if unavailability is caused by the acts or omissions of an applicable third party service provider.

Supporting quotations

You acknowledge and agree that some or all of the Invoicing Service are provided as a software as a service solution, and in providing the Invoicing Service, we may utilize the services of one or more third party service providers to host the Invoicing Service. You understand and agree that the availability of the Invoicing Service, or certain features and functions thereof, may be dependent on the corresponding availability of these third party services. In addition to the other disclaimers and limitations on liability set forth herein, you acknowledge and agree that we will not be liable to you or any third party in the event that unavailability of the Invoicing Service is caused by the acts or omissions of an applicable third party service provider.

Qualifications & exceptions

• Applies where unavailability is caused by a third party service provider's acts or omissions.

Not stated here

• The third party providers are not named.

Retention & Deletion · Restriction or exception

You assume the risk of data loss, and WePay is not liable for any data loss however caused

If there is a system failure, interruption, suspension or termination affecting the additional services and features, your data may be deleted, corrupted, destroyed, damaged or otherwise lost. Except as otherwise provided by law, you assume the risk of loss of data in connection with your use of them, and by using them you acknowledge that you fully comprehend and accept that risk. WePay will not be liable or responsible for any deletion, corruption, destruction, damage or other loss of data arising out of or in connection with your access to, use of or inability to use, or availability or lack of availability of the additional services and features, however caused.

Supporting quotations

IN THE EVENT OF A SYSTEM FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION AFFECTING THE ADDITIONAL SERVICES AND FEATURES, YOUR DATA MAY BE DELETED, CORRUPTED, DESTROYED, DAMAGED OR OTHERWISE LOST. EXCEPT AS OTHERWISE PROVIDED BY LAW, YOU ASSUME THE RISK OF LOSS OF DATA IN CONNECTION WITH YOUR USE OF THE ADDITIONAL SERVICES AND FEATURES. BY ACCESSING AND USING THE ADDITIONAL SERVICES AND FEATURES, YOU ACKNOWLEDGE AND AGREE THAT YOU FULLY COMPREHEND AND ACCEPT THIS RISK OF LOSS.

YOU ACKNOWLEDGE AND AGREE THAT WEPAY WILL NOT BE LIABLE OR RESPONSIBLE FOR ANY DELETION, CORRUPTION, DESTRUCTION, DAMAGE, OR OTHER LOSS OF DATA ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF (OR INABILITY TO ACCESS OR USE), OR AVAILABILITY OF (OR LACK THEREOF) THE ADDITIONAL SERVICES AND FEATURES, HOWEVER CAUSED.

Qualifications & exceptions

• The risk assumption applies except as otherwise provided by law.
• WePay's non-liability for data loss applies however the loss is caused.

Not stated here

• The Addendum refers to additional services and features without defining them separately from the Invoicing Service.

Legal Rights & Agreement Rules · Restriction or exception

Warranties disclaimed; any legally required implied warranty ends 30 days after first availability

The Invoicing Service is provided as is and as available, and Chase and WePay disclaim all warranties and representations, express, statutory or implied, including warranties of merchantability, satisfactory quality, fitness for a particular purpose, dealing or trade use, and non-infringement. Where legal requirements impose an implied warranty by them, that warranty ends 30 days from the date the service is first available to you. They do not warrant, endorse, guarantee or assume responsibility for any product or service advertised or offered by a Platform or other third party through the Invoicing Service, any hyperlinked website or service, or any banner or other advertising, and will not be a party to or monitor any transaction between you and third-party providers.

Supporting quotations

THE INVOICING SERVICE “AS IS” AND “AS AVAILABLE,” AND WE DISCLAIM ALL WARRANTIES AND REPRESENTATIONS, WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING WARRANTIES OF (A) MERCHANTABILITY, SATISFACTORY QUALITY, OR FITNESS FOR A PARTICULAR PURPOSE, DEALING OR TRADE USE, AND (B) NON-INFRINGEMENT.

WHERE LEGAL REQUIREMENTS IMPOSE AN IMPLIED WARRANTY BY US, SUCH WARRANTY ENDS 30 DAYS FROM THE DATE THE SERVICE IS FIRST AVAILABLE TO YOU.

WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A PLATFORM OR OTHER THIRD PARTY THROUGH THE INVOICING SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING. WE WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

Qualifications & exceptions

• An implied warranty imposed by legal requirements lasts 30 days from the date the service is first available to you.
• No responsibility for products or services offered by Platforms or other third parties.

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.

Security & Safeguards · Company commitment

Only wire money to people you know; a sent wire may not be recoverable

The Addendum warns you to wire money only to people you know or recipients you have verified and to be aware of wire scams, because once the wire is sent you may not be able to recover your money. It lists signs of a scam: the requestor sends wire instructions by email (for example for a loan closing, where you should always verify the details by phone), contacts you unexpectedly, claims there is an emergency, pressures you to pay immediately, accepts only wires, gift cards or crypto currency, tells you to keep it secret or how to answer questions at the bank, makes an offer that sounds too good to be true, or asks for your personal information.

Details not recorded for this card

Supporting quotations

1. Protect Yourself Against Wire Scams

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

Know the signs of a scam. The requestor:

Sends you wire instructions via email (ex. loan closing – always verify details by phone)

Contacts you unexpectedly

Claims there is an emergency

Pressures you into paying immediately

Only accepts payments via wire, gift cards, or crypto currency

Tells you to “keep it secret” or instructs you “how to answer questions at the bank”

Makes an offer or opportunity that sounds too good to be true

Asks for your personal information

Qualifications & exceptions

• Once a wire is sent you may not be able to recover the money.

Security & Safeguards · Context

Examples of common wire scams: imposters, romance, family emergency, lottery, investment and tech support

The Addendum gives examples of known common wire scams: an imposter claiming to be from the IRS who says you owe back taxes and will be sued if you do not pay immediately; a romance or new friend scam asking you to send money for travel; a family emergency scam, such as a call from a supposed grandchild needing money fast; lottery winnings where you must pay taxes before a payout; an investment opportunity promising a big payout; and tech support, claiming malware on your computer and asking for a small fee.

Details not recorded for this card

Supporting quotations

Known Common Wire Scams:

Imposter: “I’m with the IRS, and you owe back taxes. If not paid immediately, a lawsuit will be filed against you.”

Romance / New Friend: “I want to meet you in person, but I can’t afford to travel. Can you send me money?”

Family Emergency: “Grandma, I’m in trouble – I need money fast.”

Lottery Winnings: “Congratulations! You’ve won the lottery! We will need to collect taxes prior to your payment.”

Investment Opportunity: “This is a once-in-a-lifetime opportunity with a big payout!”

Tech Support: “We’ve detected malware on your computer. Let’s get that fixed for you for a small fee.”

Security & Safeguards · Restriction or exception

You answer for any wire sent under the security procedures, whether or not you authorized it

The security procedures are only to help prevent unauthorized access to your account. You must be an active Online Services and/or Mobile Services user with a valid user ID and Password to use the service and must not disclose your user ID, Password, one-time code or other identity information to anyone, even someone with access to your accounts. You acknowledge that Chase offers funds transfer services in person at branches with a higher level of security, which you can use instead, and that the security procedures are a commercially reasonable method of verifying your funds transfer. You are responsible for any funds transfer issued in your name using these procedures, whether or not you actually authorized the transfer. You must activate the service and establish a recipient and the recipient's financial institution before scheduling a transfer, and you authenticate with a username and password and may be asked for further steps such as security questions or one-time codes.

Supporting quotations

3. Security Procedures

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

You acknowledge that we offer funds transfer services in person at our branches that provide a higher level of security for your accounts, and you can use this option instead. You acknowledge the security procedures for FTS are a commercially reasonable method of verifying your funds transfer.

You are responsible for any funds transfer issued in your name using these security procedures, whether or not you actually authorized the transfer.

You are required to activate FTS prior to using this service. Prior to scheduling a transfer, you must establish a recipient and the financial institution that holds the recipient account. When you use this service, you will authenticate with a username and password and may, from time to time, be asked to complete additional authentication steps like security questions, one-time codes, and other methods of authentication.

Qualifications & exceptions

• You are responsible for transfers issued in your name using the security procedures, whether or not you actually authorized them.
• A branch option with higher security is available instead.

Security & Safeguards · Company practice

Chase may add stricter wire security, such as a trusted device, with no obligation and no liability

Chase may impose stricter security procedures for any particular funds transfer you make, including requiring a trusted device as defined in the deposit account agreement, but has no obligation to do so. If it imposes them, it is not liable to you for any delays or losses and is not obliged to impose them in future.

Supporting quotations

We may impose stricter security procedures for any particular funds transfer you make under this service, including requiring the use of a trusted device (as defined in the deposit account agreement), but we have no obligation to do so. If we choose to impose the stricter security procedures, we will not be liable to you for any delays or losses, and we will not be obligated to impose such security procedures in the future.

Qualifications & exceptions

• Chase has no obligation to impose stricter procedures and is not liable for delays or losses when it does.

Not stated here

• The deposit account agreement's definition of a trusted device is not part of this document.

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.

Use & Processing · Company practice

Wire status notices come by app, email, SMS or call and reflect only Chase's processing, not receipt

Chase updates the Wire Payment activity page in the Chase mobile application and on chase.com or jpmorganonline.com, and may also send an email or message through the Digital Platforms, call you or send an SMS using the email address or mobile number you provided, and may notify you verbally but is not required to. Any status information reflects only Chase's processing of your wire and does not show its status outside Chase's systems, so completing processing does not necessarily mean the recipient was credited. If you have no email address on file, an email is undeliverable or Chase cannot send because of failures or outages beyond its reasonable control, it is your responsibility to monitor your account for the status, using chase.com, jpmorganonline.com, the mobile app, a branch or Financial Center or the call center. These notification methods are deemed commercially reasonable. Other information given when you schedule a transfer only indicates Chase received the request, not that it accepted the transfer.

Supporting quotations

Notifications: We will update Wire Payment activity page in the Chase mobile application and chase.com or jpmorganonline.com regarding the status of your wire transfer. We may also send you an email notification or message via our Digital Platforms regarding the status of your funds transfer. If we send you an email we will use an email address you have provided. We may also call you or send you an SMS message on the status of your funds transfer. If we send you an SMS message, we will use a mobile number you have provided. We may also notify you verbally of the status of your transfer, but we are not required to do so.

Any status information we provide reflects only the status of us processing your wire transfer and does not indicate the status of your wire transfer outside of our systems. For example, when we complete processing your wire transfer that does not necessarily mean it has been credited to your recipient.

If you do not have an email address on file, if the email is returned undeliverable, or we are unable to send an email due to system failures or outages beyond our reasonable control, it is your responsibility to monitor your account for the status of your funds transfer.

These notification methods are deemed to be commercially reasonable. Any other information we may provide upon successfully scheduling a transfer is only an indication that we’ve received your request and not an indication that we’ve accepted your transfer.

Qualifications & exceptions

• Status information covers only Chase's processing of the wire.
• Notification methods are deemed commercially reasonable.
• Chase notifies verbally in some cases but is not required to.

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.

Legal Rights & Agreement Rules · Restriction or exception

U.S. funds transfer laws, including UCC Article 4A and OFAC sanctions, govern wires and win in a conflict

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

Supporting quotations

9. Funds Transfer System Rules and Laws

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

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

Qualifications & exceptions

• The listed laws govern if they conflict with the agreement.
• Consumer International Funds Transfers are subject to additional federal laws and regulations.

Not stated here

• The laws and regulations are not supplied in this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase is liable for wires only as UCC 4A or Regulation E require and not for others' acts or events beyond its control

Chase is responsible only for performing the services specified in the agreement. Except as otherwise agreed in writing, it is liable only for damages required to be paid under UCC 4A or, to the extent applicable, Regulation E, subpart B. Except as Regulation E, subpart B requires, it is not responsible for the acts or omissions of any other person or entity, including any processor, any country's central bank or any other financial institution, and none of them is its agent. It is not liable for failure or delay of a funds transfer or other obligations because of circumstances beyond its control, including governmental, legal or regulatory restrictions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots. It has no liability for indirect, incidental, consequential, punitive or special damages, even if advised of the possibility.

Supporting quotations

10. Failure to Perform; Limitation of Liability

We are only responsible for performing the services specified in this Agreement. Except as otherwise agreed in writing, we are liable only for damages required to be paid as provided under UCC 4A or, to the extent applicable Regulation E, subpart B. Except as required by Regulation E, subpart B, as applicable, we will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed our agent.

We will not be liable for the failure or delay of any funds transfer or for failing to meet other obligations in the Agreement because of circumstances or causes beyond our control, including governmental, legal or regulatory restrictions or prohibitions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots

IN NO EVENT SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Qualifications & exceptions

• Liability is limited to damages required under UCC 4A or, to the extent applicable, Regulation E, subpart B.
• Chase is not responsible for other parties, who are not its agents, except as Regulation E, subpart B requires.

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.

Legal Rights & Agreement Rules · Restriction or exception

Consumer International terms apply only to personal transfers abroad and control on conflict

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

Supporting quotations

12. Consumer International Funds Transfers

This section contains additional terms applicable only to Consumer International Funds Transfers. This section does not apply to any funds transfer request for delivery to a beneficiary in the United States, to any funds transfer request initiated by a non-consumer, or to any funds transfer request initiated by a consumer for any non-personal, non-family, or non-household purposes. In the event of a conflict between a provision in this section and a provision in the rest of this Agreement, or in the agreement governing your funding account, the provision in this section will control with respect to Consumer International Funds Transfers.

Qualifications & exceptions

• Applies only to transfers by a consumer for personal, family or household purposes to a beneficiary outside the United States.
• This section controls over the rest of the agreement and the funding account agreement for those transfers.

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.

Legal Rights & Agreement Rules · Restriction or exception

Consumer international wires: Chase.s liability follows Regulation E subpart B or UCC 4A, no indirect damages

Except as otherwise agreed in writing, Chase is liable for Consumer International Funds Transfers only for damages required to be paid under Regulation E, subpart B or, to the extent applicable, UCC 4A. Except as Regulation E, subpart B requires, it is not responsible for the acts or omissions of any other person or entity, including any processor, any country's central bank or any other financial institution, and none is its agent. It is not liable for failure or delay or for failing to meet other obligations because of circumstances beyond its control, including governmental, legal or regulatory restrictions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots, and it has no liability for indirect, incidental, consequential, punitive or special damages even if advised of the possibility.

Supporting quotations

Except as otherwise agreed in writing, we are liable only for damages required to be paid as provided under Regulation E, subpart B or, to the extent applicable, UCC 4A. Except as required by Regulation E, subpart B, we will not be responsible for the acts or omissions of any other person or entity, including but not limited to any processor, any country's central bank, or any other financial institution, and no such person or entity will be deemed our agent.

We will not be liable for the failure or delay of any funds transfer or for failing to meet other obligations in the Agreement because of circumstances or causes beyond our control, including governmental, legal or regulatory restrictions or prohibitions, third party actions, natural disasters, equipment or system failures, labor disputes, wars or riots.

IN NO EVENT SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Qualifications & exceptions

• Liability is limited to damages required under Regulation E, subpart B or, to the extent applicable, UCC 4A.
• Chase is not responsible for other parties' acts except as Regulation E, subpart B requires.

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.

Account & Service Control · Procedure

Wire error contacts: 877-242-7372, 713-262-3300 for international calls, relay calls and a Houston mailing address

For errors or questions about your funds transfers, contact Chase using the online message center or the main phone number 877-242-7372. International callers use 713-262-3300, Chase accepts operator relay calls for deaf and hard of hearing customers, and written correspondence goes to Online Customer Service, PO Box 2558, Houston, TX 77252-9968.

Details not recorded for this card

Supporting quotations

13. How to contact us

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

Main Phone Number: 877-242-7372

International Calls: 713-262-3300

Deaf and Hard of

Hearing:

We accept operator relay calls

Written Correspondence: Online Customer

Service

PO Box 2558

Houston, TX 77252- 9968

Account & Service Control · Context

PayPal Provisioning Platform Terms govern adding eligible Chase cards to P3, last updated 10/4/2021

The PayPal Provisioning Platform Terms Addendum, last updated 10/4/2021, governs your provisioning of any eligible Card (a Chase P3 Card) for use on the PayPal Provisioning Platform (P3). In it, merchant also includes retailers. P3 allows electronic storing of your Chase P3 Card information, called adding or provisioning the card, lets you use stored eligible cards for transactions with merchants using P3, and allows other services described in the Terms or that Chase may offer. You may add or provision any or all of your eligible Chase P3 Cards, including future ones, and remove them, and may choose one as the default. Each Chase P3 Card may be the payment source for your P3 transactions.

Supporting quotations

PayPal Provisioning Platform Terms

Last updated: 10/4/2021

This Addendum contains the PayPal Provisioning Platform Terms (“Terms”) that govern your provisioning of any eligible Card (each, a “Chase P3 Card") for use on the PayPal Provisioning Platform (“P3”).

P3: (a) allows the electronic storing of your Chase P3 Card information, which we sometimes refer to as adding a Chase P3 Card to or provisioning a Chase P3 Card for use with P3, (b) allows you to use such stored, eligible Chase P3 Cards to enter into transactions with merchants using P3, and (c) allows other services that are described in these Terms or that we may offer from time to time. You may add or provision any or all your eligible Chase P3 Cards (e.g., those you have now and those you obtain or open in the future) onto P3, and you may also remove them, as described below. Each Chase P3 Card may be used as the payment source for your P3 transactions with merchants.

Qualifications & exceptions

• Applies to eligible Cards (Chase P3 Cards) provisioned for use on P3.

Sharing & Disclosure · Permission or license

Using P3 has Chase share your full card number and other card data with merchants, PayPal, networks and others

When you use P3 you ask Chase to provide the merchant, the applicable payment network (such as Visa), PayPal and others (such as a payment processing entity or a token service provider) your selected Chase P3 Card information, including the full account number and other information associated with the card. This allows your transaction to be completed and/or lets you take part in customer benefit programs such as loyalty and rewards programs to the extent maintained by Chase or those third parties. Transactions using a Chase P3 Card are subject to the same rights and obligations as in the cardmember agreement or account agreement that governs the card.

Supporting quotations

When you use P3, you request us to provide the merchant, the applicable payment network (such as Visa), PayPal, and others (such as a payment processing entity or a token service provider) your selected Chase P3 Card information, including the full account number, and other information that’s associated with the selected Chase P3 Card, to allow your transaction to be completed and/or to facilitate your participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by us or those third parties.

Transactions conducted using a Chase P3 Card are subject to the same rights and obligations as stated in the applicable cardmember agreement or account agreement that governs the Chase P3 Card.

Qualifications & exceptions

• The shared information includes the full account number.
• The purposes are completing the transaction and participation in loyalty and rewards programs.

Not stated here

• The cardmember agreement or account agreement is not part of this document.

Security & Safeguards · Restriction or exception

Keep P3 credentials confidential; disclosing them authorizes others and you bear the losses

You agree any information you give Chase to use P3 will be complete and accurate and that you will keep the passwords, PINs and user IDs that enable access to P3 (P3 Credentials) confidential. If you disclose P3 Credentials to anyone you authorize that person or entity to transact on your behalf as if an authorized user of your Chase P3 Cards, and you assume all risks and losses from the disclosure. If you permit anyone to access or use your P3 Credentials you authorize any transactions and activities they perform. You must notify Chase immediately if any P3 Credential is lost, stolen, forgotten or compromised.

Supporting quotations

You agree that any information you provide to us to use P3 will be complete and accurate. You will keep any passwords, PINs and/or user IDs that enable you to access P3 (“P3 Credentials”) confidential.

If you disclose your P3 Credentials to any person(s) or entity, you are authorizing that person or entity to transact on your behalf as if they were an authorized user of your Chase P3 Cards, and you assume all risks and losses associated with such disclosure.

Notify us immediately if any of your P3 Credentials is lost, stolen, forgotten, or compromised.

Qualifications & exceptions

• You assume all risks and losses associated with disclosing P3 Credentials.

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.

Account & Service Control · Restriction or exception

Only eligible Chase cards in good standing can be added, and Chase can remove or block them at any time

Only Chase P3 Cards that Chase determines are eligible can be added or provisioned for use with P3. A credit, debit, prepaid or other card or underlying account that is not in good standing is not eligible, and Chase may set other eligibility criteria in its sole discretion. Chase can remove your card from P3, or block, restrict or suspend your access to or use of any card or P3, at any time and for any reason, which may include suspected fraud or illegal activity or unauthorized or improper conduct. You can also remove one or more of your cards from P3 at any time through chase.com, the Chase Mobile app, paypal.com or PayPal's app.

Supporting quotations

4. Eligibility and Removal of Chase P3 Cards

Only Chase P3 Cards that we determine are eligible can be added to or provisioned for use with P3. If your credit card, debit card, prepaid card, or other card or underlying account is not in good standing, that credit card, debit card, prepaid card, or other card will not be eligible to be added to or provisioned for use with P3. We may determine other eligibility criteria in our sole discretion.

We can also remove your Chase P3 Card from P3 at any time, or otherwise block, restrict or suspend your access to or use of any Chase P3 Card or P3 at any time and for any reason.

You can also remove one or more of your Chase P3 Cards from P3 at any time through chase.com, the Chase Mobile® app, paypal.com, or PayPal’s app.

Qualifications & exceptions

• Chase may remove, block, restrict or suspend at any time and for any reason; the listed reasons are examples.
• You can remove your own cards through chase.com, the Chase Mobile app, paypal.com or PayPal's app.

Legal Rights & Agreement Rules · Context

Adding a card to P3 does not change your card agreement, which is incorporated into the P3 Terms

When a Chase P3 Card is added to P3, the terms and agreement that govern the card do not change. The applicable cardmember agreement or account agreement, as amended from time to time, is incorporated by reference as part of the P3 Terms, and you should review it for your rights and responsibilities when making purchases through P3. P3 is another way to make purchases or other transactions with the card and may let you access features of the card or its rewards programs, such as paying with points. In that case the P3 Terms, the card agreement and any rewards program agreement all apply, and the P3 Terms cover only the elements not governed by the card agreement or rewards program agreement.

Details not recorded for this card

Supporting quotations

5. Your Chase P3 Card Terms Do Not Change

When a Chase P3 Card is added or provisioned onto P3, the terms and the agreement that govern your Chase P3 Card do not change. The applicable cardmember agreement or account agreement that governs the Chase P3 Card, as amended from time to time, is incorporated by reference as part of these Terms.

P3 may also allow you to access certain features of a Chase P3 Card, or the rewards programs associated with that Chase P3 Card, such as the ability to pay with points. For avoidance of doubt, in that case, these Terms, the cardmember agreement or account agreement that governs the Chase P3 Card, and any rewards program agreement, will apply. For the avoidance of doubt, in that case, these Terms cover only those elements not governed by the cardmember agreement or account agreement that governs the Chase P3 Card, and any rewards program agreement.

Qualifications & exceptions

• The P3 Terms cover only elements not governed by the card agreement or rewards program agreement.

Not stated here

• The cardmember agreement, account agreement and rewards program agreements are not part of this document.

Legal Rights & Agreement Rules · Restriction or exception

Chase is not responsible for P3's third parties; its role is limited to passing card information on

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

Supporting quotations

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

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

Qualifications & exceptions

• Chase's role is limited to providing information to the merchant, payment network, PayPal and others.

Not stated here

• The merchants' terms and conditions are not part of this document.

Account & Service Control · Restriction or exception

Do not use P3 for fraud or illegal activity or act as a payment intermediary for others

You may not, and will not allow or cause any third party to, use P3 in connection with any fraudulent or illegal conduct, transaction or business, as Chase determines in its sole discretion, or act as a payment intermediary, aggregator or service bureau yourself or for any third party, including handling, processing or transmitting funds for a third party.

Supporting quotations

7. Access and License

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

Qualifications & exceptions

• Whether conduct is fraudulent or illegal is determined by Chase in its sole discretion.

Legal Rights & Agreement Rules · Restriction or exception

Merchant Offers may require registering with the merchant, and Chase does not stand behind them

Through enrollment in P3 or required Systems you may be shown discounts, rebates or other benefits and offers from merchants. To use them you may need to register with the merchant or service provider, which may include giving personal information and agreeing to additional terms of use. Offers may not always be available and may change without notice, and Chase or a merchant may give additional terms. Chase is not liable for loss or damage from your interaction with a merchant about the offers. Subject to applicable law and your card agreement or account agreement, all matters about the offers, including delivery, returns and warranties, are solely between you and the merchant, and Chase does not endorse or warrant the merchants accessible through P3 or their offers.

Supporting quotations

8. Merchant Offers

Through your enrollment in P3 or required Systems, you may be presented with certain discounts, rebates or other benefits and offers (“Offers”) from merchants that may be of interest to you. In order to use these Offers, you may be required to register with the merchant or service provider, which may include providing personal information and agreeing to additional terms of use. Offers from merchants may not always be available and may change without notice.

We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your cardmember agreement or the account agreement that governs your Chase P3 Card, all matters related to these Offers, including delivery of goods and services, returns, and warranties, are solely between you and the applicable merchants. You acknowledge that we do not endorse or warrant the merchants that are accessible through P3 or the Offers that they provide.

Qualifications & exceptions

• Subject to applicable law and your cardmember agreement or account agreement.
• Offers may require registering with the merchant, including giving personal information.

Not stated here

• The merchants' additional terms are not part of this document.

Sharing & Disclosure · Company practice

P3 privacy: Chase may share your name, full card number, expiry, contact and address details to complete purchases

Chase's online privacy policy and, where appropriate, its U.S. consumer privacy notice, as amended from time to time and available at chase.com, apply to your use of P3 and your Chase P3 Card. You agree Chase may collect, use and share your personal information under them and to provide the services you requested, including adding your card and maintaining P3. Sharing may include giving a merchant, the payment network (such as Visa), a Third Party Wallet provider, PayPal and others, such as a payment processor or token service provider, your name, full account number, card expiration date, email address, phone number, billing address and shipping address as needed to complete a purchase using P3 or to facilitate loyalty and rewards participation. Chase can also share information to make information available to you about your card transactions and to improve its ability to offer these services. Once Chase shares your information with a merchant, wallet provider, PayPal or another third party, you agree that party, not Chase, is responsible for its security and use and that your data is subject to its privacy policies. Information you give directly to the payment network or other third parties is governed by that party's privacy policy and not Chase's.

Supporting quotations

9. Privacy

Our online privacy policy and, where appropriate, our U.S. consumer privacy notice, as amended from time to time (available online at chase.com), applies to your use of P3 and your Chase P3 Card.

You agree that we may collect, use and share your personal information in accordance with each of the online privacy policy and the U.S. consumer privacy notice, and to provide the services you have requested, including to add or include your Chase P3 Card and to maintain P3.

Our sharing of your information may include providing a merchant, the applicable payment network (such as Visa), a Third Party Wallet provider, PayPal, and others (such as a payment processing entity or a token service provider) your name, full account number, card expiration date, email address, phone number, billing address, and shipping address as required to complete a purchase using P3, and/or to facilitate customer participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by those third parties.

We can also share your information in order to make information available to you about your Chase P3 Card transactions, and to improve our ability to offer these services.

Once we share your information with a merchant, Third Party Wallet provider, PayPal, or such other third party, you agree that the merchant or such other third party, and not J.P. Morgan Chase, is responsible for the security and use of your information, and that your data will be subject to their privacy policies. You acknowledge that the use and disclosure of any personal information provided by you directly to the payment network (such as Visa) or other third parties will be governed by such party’s privacy policy and not our online privacy policy or privacy notice.

Qualifications & exceptions

• The shared data includes your full account number and card expiration date.
• After sharing, the merchant or other third party, not Chase, is responsible for security and use of the information.

Not stated here

• The online privacy policy and U.S. consumer privacy notice are separate documents that are not supplied here, so their contents cannot be described from this agreement.
• The privacy policies of merchants, payment networks, wallet providers and PayPal are not supplied.

Legal Rights & Agreement Rules · Context

Closing notes: a Spanish line on digital wallets and the card issuer statement

A Spanish-language line says that the page contains information about using your Chase Visa and Mastercard card in digital wallets and, if you have questions, to call the number on the back of your card. A closing line states that credit and debit card products are provided by JPMorgan Chase Bank, N.A., Member FDIC.

Supporting quotations

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

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

Qualifications & exceptions

• The Spanish line directs questions to the number on the back of the card.

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.

Security & Safeguards · Restriction or exception

Real-Time Payments cannot be reversed: pay only people you know and verify payment requests

There are risks associated with the Real-Time Payments Service: Service Transfers are irrevocable and cannot be reversed, and you should only use it to pay Persons you know. If you receive a request for payment, you should verify it relates to a payment you expected to make to the requester, and if it does not you should notify Chase at 877-CHASEPC (877-242-7372), or 877-840-0723 for J.P. Morgan Online clients. If someone contacts you outside the service asking for payment, you should verify the requestor's identity, legitimacy and contact information and the amount before submitting a Service Transfer Request. If you pay a Person you do not know, or do not verify the identity and legitimacy of people who ask for payment, you may lose the full amount.

Supporting quotations

3. Risks Associated with the Real-Time Payments Service

There are risks associated with using the Real-Time Payments Service. Service Transfers are irrevocable and cannot be reversed. You should only use the Real-Time Payments Service to make payments to Persons that you know.

If you receive a request for payment through the Real-Time Payments Service, you should verify that the request relates to a payment you were expecting to make to the Person who requested payment. If a request for payment that you receive through the Real-Time Payments Service does not relate to a payment you were expecting to make to the Person who requested payment, please notify us at 877-CHASEPC (877-242-7372) (J.P. Morgan Online clients only, call 877-840-0723).

If a Person contacts you outside of the Real-Time Payments Service and asks for payment, you should verify the identity, legitimacy and contact information of the requestor and the amount of the payment prior to submitting a Service Transfer Request. If you send payment to a Person that you do not know, or you do not verify the identity and legitimacy of Persons who contact you and ask for payment, you may lose the full amount of your payment.

Qualifications & exceptions

• Service Transfers are irrevocable and cannot be reversed.
• You may lose the full amount if you pay someone you do not know or do not verify a requester.

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.

Account & Service Control · Restriction or exception

Chase may suspend or end your Real-Time Payments request features if it reasonably suspects non-compliance

Your use of the service to receive requests for payment or pay in response to them may be subject to eligibility requirements, and Chase may suspend or terminate your ability to submit or receive requests for payment, or your access to the Real-Time Payments Service, if it reasonably suspects you have failed to comply with the Agreement.

Supporting quotations

You acknowledge and agree that your use of the Real-Time Payments Service to receive requests for payment or to make payments in response to requests for payment may be subject to eligibility requirements, and we may suspend or terminate your ability to submit or receive requests for payment or your access to the Real-Time Payments Service in the event that we reasonably suspect you have failed to comply with this Agreement.

Qualifications & exceptions

• Chase acts on reasonable suspicion of non-compliance with the Agreement.

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.

Legal Rights & Agreement Rules · Context

Canceling Subscriptions Addendum: a third-party service, Billshark, supplements your Chase agreements

The Terms & Conditions for Canceling Subscriptions Addendum, last updated 10/24/2024, governs a service provided by a third party service provider engaged by Chase for canceling eligible subscriptions through your account on Chase Online or the Chase Mobile app. It supplements and amends your Chase Online Services Agreement, Digital Services Agreement and account agreements for deposit, card and/or loan accounts (the Account Documentation), which stay in effect, and by acknowledging or signing the Account Documentation or using the Service you agree to the Addendum. In an irreconcilable conflict the Addendum governs only for use of the Service and only to the extent of the conflict. The service provider is named as Titan Solutions Group LLC dba ApexEdge LLC aka Billshark, the owner and operator of the Service. In this Addendum you means an account owner or an authorized signer with authority to view account information and affect transactions.

Supporting quotations

Last updated: 10/24/2024

This Addendum entitled “Terms & Conditions for Canceling Subscriptions” (the "Addendum") states the terms and conditions that govern your use of the service provided by a third party service provider engaged by us and acting pursuant to an agreement with us for canceling eligible subscriptions through your account on Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) (the "Service").

This Addendum will be deemed to supplement and amend the terms of your Chase Online Services Agreement, Digital Services Agreement, and account agreement(s) governing your deposit, card and/or loan account(s), as applicable, and as amended from time to time (collectively, the "Account Documentation").

By acknowledging or signing the applicable Account Documentation or by using or continuing to use the Service, you agree to this Addendum. In the event of an irreconcilable conflict between this Addendum and the Account Documentation, this Addendum will govern with respect to use of the Service only, and only to the extent of such irreconcilable conflict.

“service provider”, “third party service provider” or “Billshark” means Titan Solutions Group LLC dba ApexEdge LLC aka Billshark ("Service Provider"), the owner and operator of the Service.

"you" or "your" means (1) an individual or entity that is the owner of an account or (2) an authorized signer on an account who has authority to view account information and affect transactions on such account;

Qualifications & exceptions

• The Addendum governs over the Account Documentation only for use of the Service and only for irreconcilable conflicts.
• The Service is provided by a third party service provider, Billshark, owned and operated by Titan Solutions Group LLC dba ApexEdge LLC.

Not stated here

• The service provider's own terms and privacy practices are not part of this document.

Account & Service Control · Context

The service helps cancel eligible subscriptions paid with a Chase card; Chase has no Merchant relationship

The terms apply when you or someone you delegated to act for you use the Service through Chase Online or the Chase Mobile app to facilitate canceling your eligible subscriptions with participating companies (Merchants) that you pay for with an eligible Chase credit or debit card. Chase does not have any direct relationship with Merchants in connection with the Service.

Supporting quotations

1. General Terms Applicable to the Service

These Terms apply when you use or access, or permit any other person(s) or entity(ies) who you have delegated to act on your behalf to use or access, the Service through Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) for the purpose of facilitating your cancellation of your eligible subscriptions with participating companies that provide you with products or services (“Merchant(s)”) that you pay for with an eligible Chase credit or debit card (each a “Subscription”). We do not have any direct relationship with Merchants in connection with the Service.

Qualifications & exceptions

• Covers subscriptions with participating Merchants paid for with an eligible Chase credit or debit card.

Not stated here

• Which subscriptions and Merchants are eligible is not stated here.

Sharing & Disclosure · Company practice

Your personal and card details go to Billshark and then to Merchants to cancel a subscription

To request a cancellation you fill out a form in your Chase account with subscription information, including personal information associated with the subscription, which Chase securely provides to its Service Provider. The information requested varies by Merchant and may include name, address, email address, phone number and subscription account number. You may also be asked for the CVV and/or CVC code of the credit card you have on file with the Merchant, or other information the Service requires. The Service Provider shares some or all of the information you provide with Merchants to perform the Service.

Supporting quotations

a. Service Description

You will be asked to self-populate a form provided in your account on Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) with requested subscription information including your personal information associated with the subscription, which we will then securely provide to our Service Provider to use in connection with the Service.

The personal information requested may vary depending on the Merchant, and may include one or more of the following: name, address, email address, phone number, and subscription account number. You may also be asked to provide CVV and/or CVC code information for the credit card you have saved on file with the Merchant

Our Service Provider will share some or all of the information that you provide with Merchants for purposes of performing the Service.

Qualifications & exceptions

• The information requested varies by Merchant and may include CVV or CVC card codes.
• The Service Provider shares some or all of what you provide with Merchants.

Not stated here

• How the Service Provider and Merchants handle and keep the information is not described in this document.

Use & Processing · Company practice

The Service Provider acts as your representative and typically takes up to three business days

The Service Provider will attempt to cancel the Subscription with the Merchant and, if applicable, request a refund of any unused portion for you. Once it has the information it needs it will undertake the cancellation, which typically takes up to three business days though some Merchants may take longer. You should contact the Merchant directly for status or to request cancellation before the request through the Service Provider is completed. The Service Provider will contact your Merchant and, if required, identify itself as acting as your representative and/or agent with your authority, and it will not log into your account with the Merchant or represent itself as you.

Supporting quotations

Our Service Provider will attempt to cancel the Subscription with your Merchant and, if applicable, request a refund of any unused portion of your Subscription for you

which typically can take up to three (3) business days to complete, although some Merchants may take longer.

In order to perform the Service, Service Provider will contact your Merchant and if required, identify that Service Provider is acting as your representative and/or agent with your authority to do so. Service Provider will not log into your account with the Merchant nor will Service Provider represent themselves as you.

Qualifications & exceptions

• Typically up to three business days, with some Merchants taking longer.
• The Service Provider will not log into your Merchant account or represent itself as you.

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.

Use & Processing · Permission or license

You authorize the Service Provider to speak to your Merchant for you; cancellations cannot be reversed

By using the Service to request a Subscription Cancellation you grant the Service Provider permission and authority to communicate with your Merchant on your behalf to cancel the subscriptions, services and/or features you receive from the Merchant. After you start a cancellation Chase cannot stop, cancel, reverse or modify it, and once it is completed the Merchant may limit your ability to go back to a prior rate or plan. If you contact the Merchant directly to change the account, for example to renew at a promotional rate instead of cancelling, while your request is pending, Chase cannot guarantee the cancellation will not go through as originally instructed and is not responsible for losses such as losing a newly obtained promotional rate.

Supporting quotations

By using the Service to request a Subscription Cancellation, you are granting permission and authority to Service Provider to communicate with your Merchant on your behalf in order to cancel the subscriptions, services and/or features that you receive from the Merchant, in accordance with this Addendum.

After you initiate a Subscription Cancellation through the Service, we cannot stop, cancel, reverse or modify it. Once the Subscription Cancellation has been completed, your Merchant may limit your ability to revert to a prior subscription rate or plan. If you contact the Merchant directly to make account changes (e.g., renewal at a promotional rate offered by the Merchant in lieu of cancellation) while your cancellation request through the Service is still pending, we cannot guarantee that your cancellation will not go through as originally instructed through the Service, and we will not be responsible for any losses (e.g. loss of a newly obtained promotional rate) in connection therewith.

Qualifications & exceptions

• Chase cannot stop, cancel, reverse or modify a cancellation once you initiate it.
• The Merchant may limit your ability to revert to a prior rate or plan.

Legal Rights & Agreement Rules · Restriction or exception

Merchants may require your confirmation; you must have authority and are personally liable for unauthorized requests

Your Merchant may require your verbal confirmation or additional information to verify the Service Provider is acting as your agent, and until you provide it the Service cannot be performed and the cancellation cannot be completed. You may not use the Service unless you have authority to make changes to the Merchant account and to grant that authority to the Service Provider, and by requesting it you represent and warrant that you do. You are personally liable for all fees incurred or damages that result from requesting the Service without proper authorization, and agree to indemnify Chase and the Service Provider for any damages they may incur as a result. Information the Service Provider shares with your Merchants is subject to any terms, contracts or privacy policies you agreed with the Merchants.

Supporting quotations

Your Merchant may require your verbal confirmation or additional information to verify that Service Provider is acting as your agent in order to complete your requested Subscription Cancellation. If this is the case, the Service will not be able to be performed and the Subscription Cancellation will not be able to be completed until you provide the additional information or confirmation in accordance with the method required by the Merchant.

You may not use the Service unless you have the authority to make changes to the applicable account with the Merchant and to grant that authority to Service Provider. By requesting the Service, you represent and warrant that you have such authority. You will be personally liable for all fees incurred or damages that result from requesting the Service without proper authorization, and also agree to indemnify us and Service Provider for any damages we may incur as a result.

The information shared with your Merchants by our Service Provider on your behalf for Subscription Cancellation is subject to any terms and conditions, contracts or privacy policies agreed to between you and your Merchants.

Qualifications & exceptions

• You warrant that you have authority over the Merchant account.
• The Merchants' own terms and privacy policies govern information shared with them.

Not stated here

• The Merchants' terms, contracts and privacy policies are not part of this document.

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.

Account & Service Control · Restriction or exception

Eligibility: active Chase account and card, United States use only, lawful purposes, age 18 or over

As a condition of providing the Service, you make representations, warranties, covenants and agreements while the Addendum is in effect. You must have one or more eligible and active Chase accounts in your profile, and Chase may determine eligibility and restrict your use in its sole discretion. You represent that you have authority to authorize, access and use the information shared with the Service Provider and Merchants and to make changes to the Merchant account and grant that authority to the Service Provider. You agree that access or use must occur within the United States, that you will use the Service only for lawful purposes, that you are enrolled in Chase online or mobile banking and have an eligible Chase credit or debit card, that you are the legal owner or an authorized user of the financial account you use, and that you are over eighteen.

Supporting quotations

3. Eligibility and Requirements

As a condition to our engagement to provide, and continued provision of, the Service to you, you make the following representations, warranties, covenants, and agreements

In order to use the Service, you must have one or more eligible and active Chase accounts in your profile. We have the right to determine eligibility and to restrict your use of the Service in our sole discretion.

You represent that you have the authority to authorize, access, and use the information shared with Service Provider and the Merchants.

You represent that you have the authority to make changes to the applicable account with the Merchant and to grant that authority to Service Provider.

You agree that any access or usage of the Service must occur within the United States.

You agree that you will only use the Service for lawful purposes.

You must be enrolled in our online (www.chase.com) or mobile banking app (Chase Mobile®) and have an eligible Chase credit or debit card to be eligible to use the Service.

You represent that you are the legal owner or an authorized user of the financial account you are using in connection with the Service.

You represent that you’re over the age of eighteen (18).

Qualifications & exceptions

• Access or use must occur within the United States.
• You must be over eighteen and have an eligible Chase credit or debit card.
• Eligibility and restrictions are in Chase's sole discretion.

Sharing & Disclosure · Company practice

Chase's privacy policy applies, and Chase may disclose account information for stated reasons

The Chase Online Privacy Policy and, where appropriate, the U.S. Consumer Privacy Notice apply to your use of the Service, and can be viewed through the Privacy & Security link, then Privacy, on www.chase.com. Chase may disclose information about your account to third parties as necessary to offer the Service, to investigate a claim related to your account or use of the Service, to comply with government agency or court orders, in accordance with your written permission, and as otherwise permitted by its privacy notice.

Supporting quotations

4. Privacy

The Chase Online Privacy Policy and, where appropriate, our U.S. Consumer Privacy Notice, apply to your use of the Service.

We may disclose information to third parties about your account as necessary in connection with offering the Service, in connection with the investigation of any claim related to your account or use of the Service, to comply with government agency or court orders, in accordance with your written permission, and as otherwise permitted by the terms of our privacy notice.

Qualifications & exceptions

• Disclosure is for the listed purposes and as otherwise permitted by the privacy notice.

Not stated here

• The Chase Online Privacy Policy and U.S. Consumer Privacy Notice are separate documents that are not supplied here, so their contents cannot be described.

Content & IP Rights · Permission or license

Limited, revocable licence for personal or internal business use; the Service is generally available around the clock

Chase grants you, for personal use or, if you are an eligible business, internal business purposes only, a nonexclusive, limited and revocable right to access and use the Service on its digital platforms. You agree not to use it for any other purpose, including commercial purposes such as co-branding, framing, linking or reselling any portion of the Service without Chase's prior written consent. Subject to the terms, the Service is generally available 24 hours a day, seven days a week, except for outages for maintenance and circumstances beyond Chase's or the Service Provider's control.

Details not recorded for this card

Supporting quotations

5. License; Availability of Service

We grant to you, for your personal use or, if you are a business eligible to use the Service, for internal business purposes only, a nonexclusive, limited and revocable right to access and use the Service on our digital platforms. You agree not to use the Service for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Service without our prior written consent.

Subject to these Terms, the Service is generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Service Provider’s control.

Qualifications & exceptions

• Personal use, or internal business purposes for an eligible business.
• Availability excludes maintenance outages and circumstances beyond the control of Chase or the Service Provider.

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.

Legal Rights & Agreement Rules · Restriction or exception

Chase has no liability for the cancellation, information sharing or the provider's and Merchants' acts

Because you requested the Service and consented to share your personal information by using it, you agree that Chase will not have any liability to you arising out of the Subscription Cancellation you request or any use, copying, loss, disclosure, sale, display or transfer of your personal information in connection with the Service. Chase does not assume responsibility or incur liability for the acts, omissions or determinations of the Service Provider or any Merchant, including products or services bought from or transactions entered into with them through the Service, or the Merchant's use and handling of your personal information. Chase is not the provider of the products or services of the Service Provider or Merchants, is not responsible for any acts, omissions, failures, errors or delays by them except as otherwise stated, and is not responsible for the performance or non-performance of the Service Provider, a Merchant or other third parties regarding any agreement you enter into with them.

Supporting quotations

7. No Liability Related to Acts of Third Parties

Because you have requested the Service and consented to share your personal information by using the Service, you agree that we will not have any liability to you arising out of the Subscription Cancellation you request or any use, copying, loss, disclosure, sale, display or transfer of your personal information in connection with the Service.

WE DO NOT ASSUME ANY RESPONSIBILITY OR INCUR ANY LIABILITY WITH RESPECT TO THE ACTS, OMISSIONS OR DETERMINATIONS OF SERVICE PROVIDER OR ANY MERCHANT, INCLUDING BUT NOT LIMITED TO, ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED FROM, OR TRANSACTIONS ENTERED INTO WITH, SERVICE PROVIDER OR THE MERCHANT THROUGH OR FROM THE SERVICE, OR THE MERCHANT’S USE AND HANDLING OF YOUR PERSONAL INFORMATION.

We are not the provider of any products or services of Service Provider or the Merchants and we are not responsible for providing any of their products or services to you, other than the Service. We are not responsible for any acts, omissions, or failure of Service Provider or the Merchant, or for any errors or delays caused by them, except as otherwise set forth herein.

We are not responsible for the performance or non-performance of Service Provider, a Merchant, or any other third parties regarding any agreement you enter into with Service Provider

Qualifications & exceptions

• Applies to the Subscription Cancellation, the personal information shared, and the acts and omissions of the Service Provider, Merchants and other third parties.
• Except as otherwise set forth in the Addendum.

Account & Service Control · User right or choice

Each use is a separate consent; you can stop using the Service, and Chase can decline or stop it at any time

Each use of the Service is a separate transaction requiring your consent for that transaction only, and the Addendum does not require you to keep using the Service, so you may stop at any time. Chase reserves the right to restrict or cancel your access to the Platform and its content or any part or feature, including the Service, at any time. It may decline your request for the Service or elect to stop performing the Service for you at any time in its sole discretion.

Supporting quotations

8. Right to Discontinue Use of the Service

Each usage of the Service is a separate transaction requiring that you consent to use of the Service for that transaction only. This Addendum does not require your continued use of the Service so you may discontinue future use of the Service at any time.

We reserve the right to restrict or cancel your access to the Platform and its content or any part or feature thereof, including the Service, at any time. We may decline to accept your request for the Service or may elect to stop performing Service for you at any time in the exercise of our sole discretion.

Qualifications & exceptions

• Chase's right to restrict, cancel, decline or stop is exercisable at any time in its sole discretion.

Legal Rights & Agreement Rules · Restriction or exception

Chase or the provider can send notices by email, phone number, mail or posting

By using the Service you agree that notices that Chase or the Service Provider must give you under the Addendum or the Service may be sent by any or all of: electronic notice to any electronic mailbox Chase has for you; any other email address or telephone number you provide; the current address on file; or any other manner permitted by law, including posting on Chase's website.

Supporting quotations

a. Notices

You agree that by using the Service, all notices or other communications which we or Service Provider may be required to give you arising from our obligations under this Addendum or the Service may be sent to you by any or all of the following sources:

Through electronic notice given to any electronic mailbox we have for you,

Any other electronic mail address or telephone number you provide to us,

The current address we have on file for you, or

In any other manner permitted by law including, but not limited to, posting it on our website.

Qualifications & exceptions

• Chase or the Service Provider may use any or all of these methods.

Legal Rights & Agreement Rules · Company practice

Chase or the provider may change features at will; notice only if legally required, and use means you accept

Chase or the Service Provider may from time to time introduce new features, or modify or delete existing features, in their sole discretion. Chase notifies you of these changes only if it is legally required to do so. By using any new or modified features when they become available you agree to be bound by the rules and terms concerning them.

Supporting quotations

b. New Features; Change in Service

We or Service Provider may, from time to time, introduce new features to the Service or modify or delete existing features in our sole discretion. We shall notify you of any of these changes to features if we are legally required to do so. By using any new or modified features when they become available, you agree to be bound by the rules and terms concerning these features.

Qualifications & exceptions

• Notice of feature changes is given only if legally required.

Account & Service Control · Company practice

Chase may end or suspend the Service at any time without notice; obligations survive and you cannot assign

Chase may terminate or suspend these Terms, or terminate, suspend or limit your access to or use of the Service, in whole or part, at any time for any reason without prior notice, including for use it may deem illegal, improper or potentially exposing the bank, a payment network or the financial system to risk, or when you no longer have an eligible Chase Account. Obligations and liabilities incurred before termination survive for all purposes. If your Chase Account is not in good standing it is not eligible for the Service, and Chase may set other eligibility criteria in its sole discretion. It may also terminate or suspend its participation in the Service, with the Service Provider or with a particular Merchant, at any time. You may not assign these Terms.

Supporting quotations

c. Ending or Changing these Terms; Assignments

We may terminate or suspend these Terms, or terminate, suspend or limit your access or privileges to or use of the Service, in whole or part, at any time for any reason without prior notice, including for reasons involving your use of the Service which we may deem to be illegal, improper, or potentially exposing the bank, a payment network, or the financial system to risk, and/or when you no longer have an eligible Chase Account.

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of these Terms for all purposes. If your Chase Account is not in good standing, that account will not be eligible to be used in connection with the Service. We may determine other eligibility criteria in our sole discretion.

We also reserve the right to terminate or suspend our participation in the Service or with Service Provider or a particular Merchant at any time. You may not assign these Terms.

Qualifications & exceptions

• No prior notice is required.
• The examples of reasons are introduced with including, so they are not a complete list.
• An account not in good standing is not eligible.

Legal Rights & Agreement Rules · Restriction or exception

Canceling Subscriptions: liability for nearly all losses is excluded; your sole remedy is to stop

Except as specifically set out in the Addendum or where the law requires a different standard, you agree that Chase, the Service Provider and their officers, directors, agents and employees are not liable for any loss, damage or injury or for any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to the system, equipment or browser; access to or use of the Service; any transaction conducted through or facilitated by the Service; claims from errors, omissions or inaccuracies in the Service, including transfer of inaccurate information; unauthorized access to, use or alteration of your transmissions of personal information; equipment, internet or communication failures; and any other matter relating to the Service, even if advised of the possibility. If you are dissatisfied with the Service or these Terms, your sole and exclusive remedy is to discontinue using the Service.

Supporting quotations

d. Limitation of Liability; No Warranties

EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT WE, SERVICE PROVIDER AND OUR RESPECTIVE OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO:

UNAUTHORIZED ACCESS TO, USE OR ALTERATION OF YOUR TRANSMISSION(S) OF PERSONAL INFORMATION;

AND ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF WE OR SERVICE PROVIDER HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICE OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

Qualifications & exceptions

• Except as specifically set forth in the Addendum or where the law requires a different standard.
• The listed causes include unauthorized access to or alteration of your personal information transmissions.
• Your sole remedy for dissatisfaction is to stop using the Service.

Legal Rights & Agreement Rules · Restriction or exception

The Service is provided as-is at your sole risk with warranties disclaimed

Except as otherwise expressly provided in any applicable agreement, you understand and agree that your use of the Service is at your sole risk and that the Service and all information, products and other content, including third party information, products and content, included in or accessible from the sites are provided as is, where is and where available and are subject to change at any time without notice. Chase makes no warranty that the Service will be uninterrupted, timely, secure or error-free unless otherwise stated on the site or in an applicable agreement. To the fullest extent permitted by law Chase disclaims all representations, warranties and conditions of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement of proprietary rights, and no license is implied by the disclaimers.

Supporting quotations

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND THAT THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

YOU ACKNOWLEDGE THAT WE MAKE NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

Qualifications & exceptions

• Except as otherwise expressly provided in any applicable agreement.
• Disclaimer applies to the fullest extent permitted by law.

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).

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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.

Legal Rights & Agreement Rules · Restriction or exception

You indemnify Chase and the Service Provider for your conduct and anyone using your information

In addition to the indemnities in the General Terms, you acknowledge you are personally responsible for your conduct while using the Service and agree to indemnify and hold Chase, the Service Provider and their officers, directors, employees and agents harmless from any loss, damage, liability, cost or expense of any kind, including reasonable attorneys' fees, that they may incur in connection with a third party claim or otherwise in relation to your use of the Service, use of the Service by anyone using your personal information, card number, account number, PIN, User ID or Password, or your violation of these Terms or the rights of any third party, including privacy rights. Your obligations survive termination of the Terms.

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e. Indemnification

In addition to the indemnities set forth in the General Terms and Conditions, you also acknowledge and agree that you are personally responsible for your conduct while using the Service and agree to indemnify and hold us, Service Provider, and our respective officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys' fees) that we or they may incur in connection with a third party claim or otherwise, in relation to your use of the Service or the use of the Service by anyone using your personal information, card number, account number, PIN, User ID or Password or your violation of these Terms or the rights of any third party (including, but not limited to, privacy rights). Your obligations under this paragraph shall survive termination of these Terms.

Qualifications & exceptions

• Covers a third party claim or otherwise.
• Survives termination of the Terms.

Account & Service Control · Procedure

Questions about the Service go through the contacts on your deposit or card account agreement

If you have questions, disputes or complaints about the Service, or need more information about a Subscription Cancellation request you made, you may contact Chase using the phone numbers and websites provided on your applicable deposit or card account agreement.

Details not recorded for this card

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f. Questions

If you have any questions, disputes, or complaints about the Service or if you need more information about a Subscription Cancellation request you made using the Service, you may contact us using the phone numbers and websites provided on your applicable deposit or card account agreement.

Not stated here

• The deposit or card account agreement is not part of this document, so the contact details cannot be stated here.

Account & Service Control · Restriction or exception

Digital Wallet terms apply when you add or Activate a Chase card in a wallet, including a pre-loaded one

The Terms Applicable To Your Use of Digital Wallets with Chase Cards Addendum, last updated 8/7/2025, applies when you add or Activate an eligible Chase credit or debit card (Chase Card) in a Wallet, meaning an online payment tool such as an app, website, service or software program owned by Chase or a third party that stores virtual versions of cards for electronic transactions without presenting the physical card. Activate means using or choosing to keep an eligible Chase Card that has been pre-populated or automatically provisioned to a Wallet. In these Terms you and your mean the cardholder, and we, us, our and Chase mean JPMorgan Chase Bank, N.A. When you add or Activate a Chase Card in a Wallet, you agree to these Terms.

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Addendum:

Last updated: 8/7/2025

This Addendum contains the terms for adding or activating your Chase Card in an online payment tool such as an app, online website or service, or software program owned by us or by a third party that stores virtual versions of debit and credit cards for making transactions electronically without presentment of the physical card, often called a wallet, e-wallet or digital wallet (“Wallet”).

“Activate” means using or choosing to retain your eligible Chase Card that has been pre-populated or automatically provisioned to a Wallet.

In these Terms, "you" and "your" refer to the cardholder of the Chase Card, and "we," "us," "our," and "Chase" refer to JPMorgan Chase Bank, N.A.

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

Qualifications & exceptions

• The Terms apply when you choose to add or Activate an eligible Chase Card in a Wallet.
• Using or choosing to keep a pre-populated or automatically provisioned card counts as Activating it.

Account & Service Control · Restriction or exception

Only eligible Chase cards in good standing can go in a wallet, including wallets Chase or Paze owns

You can add or Activate an eligible Chase Card in a Wallet either by following Chase's instructions on a Chase platform (the Chase Mobile app or chase.com) or the Wallet Provider's instructions. Wallet Provider means the third party provider of a Wallet, or Chase if it directly provides the Wallet. Chase may provision certain eligible Chase Cards into Wallets it owns or operates and into Wallets such as Paze, owned and operated by Early Warning Services, LLC. Only Chase Cards Chase determines are eligible can be added or Activated, a card or underlying account that is not in good standing is not eligible, and Chase may set other eligibility criteria in its sole discretion.

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1. Adding/Activating Your Chase Card

You can add or Activate an eligible Chase Card to a Wallet by either following our instructions as they appear on a Chase proprietary platform (e.g., Chase Mobile® app or chase.com) or by following the instructions of the Wallet Provider. “Wallet Provider” means a third party provider of a Wallet or Chase, if Chase directly provides the Wallet.

Chase may provision certain eligible Chase Cards into Wallets owned or operated by Chase. Chase may also provision certain eligible Chase Cards into Wallets such as PazeSM, a Wallet owned and operated by Early Warning Services, LLC.

Only Chase Cards that we determine are eligible can be added to or Activated in a Wallet. If your Chase Card or underlying account is not in good standing, that Chase Card will not be eligible to be added to or provisioned in a Wallet. We may determine other eligibility criteria in our sole discretion.

Qualifications & exceptions

• A card or underlying account not in good standing is not eligible.
• Other eligibility criteria are in Chase's sole discretion.

Sharing & Disclosure · Company practice

Wallets can move money and pay in stores, online and at ATMs; Chase can share data, block or cap cards

When you add a Chase Card to a Wallet, the Wallet may let you use the card to enable transfers of money between you and others enrolled with the Wallet Provider or a partner, to complete transactions where the Wallet is accepted, including participating merchants' physical locations, e-commerce locations and ATMs, and to use other services described in the Wallet Provider's agreement. At your direction Chase may share information about your Chase Card transactions with a Wallet Provider to enable some Wallet-related services. A Wallet may not be accepted everywhere your card is. Chase reserves the right to terminate its participation in a Wallet or with a Wallet Provider at any time, to designate a maximum number of Chase Cards that may be added to a Wallet, and to block a card in a Wallet from certain transactions or purchases at any time.

Supporting quotations

When you add a Chase Card to a Wallet, the Wallet may allow you to: (a) use the Chase Card to (i) enable transfers of money between you and others who are enrolled with the Wallet Provider or a partner of such Wallet Provider, and/or (ii) enter into transactions where the Wallet is accepted, including the ability to use the Chase Card to complete transactions at participating merchants' physical locations, e- commerce locations, and at ATMs; and (b) use other services that are described in the Wallet Provider's agreement or that they may offer from time to time.

At your direction, Chase may share information about your Chase Card transactions with a Wallet Provider to enable some Wallet-related services.

We reserve the right to terminate our participation in a Wallet or with a Wallet Provider at any time and the right to designate a maximum number of Chase Cards that may be added to a Wallet. We may block a Chase Card in a Wallet from certain transactions or purchases at any time.

Qualifications & exceptions

• Sharing transaction information with a Wallet Provider is at your direction.
• Chase can end its participation, limit the number of cards and block transactions at any time.

Not stated here

• The Wallet Provider's own agreement is not part of this document.

Use & Processing · Permission or license

Chase may automatically load your card into Paze or other wallets if you have a digital profile

Unless otherwise stated, your Chase Card may be eligible for Chase to provision into Paze or other Wallets so you can use it there. Chase may do so if your card is in good standing and you are a Chase Card customer with an active digital profile, meaning login credentials that give access to your account on the Digital Platforms, or you are a new or existing Chase customer with a Digital Profile who opens a new Chase checking or credit card account. Other eligibility criteria may apply and may be set at Chase's sole discretion.

Supporting quotations

2. Chase Card Eligibility for PazeSM and other Wallets with Automatic Provisioning

Unless otherwise stated herein, your Chase Card may be eligible for Chase to provision your card into PazeSM or other Wallets to enable your use of your card in PazeSM or other Wallets. Your Chase Card may be eligible for provisioning, and Chase may provision your Chase Card, into PazeSM or another Wallet if your Chase Card is in good standing, you are a Chase Card customer and have an active digital profile (i.e., login credentials that provide access to your account on our Digital Platforms) (“Digital Profile”) or you are a new or existing Chase customer with a Digital Profile who opens a new Chase checking or credit card account.

Other eligibility criteria may apply and may be determined at our sole discretion.

Qualifications & exceptions

• Requires the card to be in good standing and a Digital Profile, or a new account opened by a customer with a Digital Profile.
• Other criteria may be set in Chase's sole discretion.

Not stated here

• The Addendum does not describe an opt-out from automatic provisioning in this section.

Sharing & Disclosure · Company practice

To pre-load your card into a wallet Chase sends card, account and device data, possibly SSN, phone, email

If your Chase Card is eligible for Paze or another Wallet, Chase securely sends your Chase Card information and other information about your account and device to the Wallet Provider to prepopulate your eligible cards into the Wallet. The other information securely provided may include your social security number, phone number and email address.

Supporting quotations

If your Chase Card is eligible for PazeSM or another Wallet, Chase will securely send your Chase Card information and other information about your account and device to the Wallet Provider to prepopulate your eligible Chase Cards into the Wallet for your use. Other information securely provided to the Wallet Provider may include your social security number, phone number, and email address.

Qualifications & exceptions

• The other information securely provided may include a social security number, phone number and email address.
• Applies when the card is eligible for Paze or another Wallet.

Not stated here

• The Wallet Provider's use of the information is governed by its own terms and policies, which are not part of this document.

Account & Service Control · Restriction or exception

Paze is run by Early Warning Services, and you must accept the Paze Terms of Service to use it

Early Warning Services, LLC is the Paze Wallet Provider. You need to accept the Paze Terms of Service to activate your Paze Wallet and use it for purchases at participating merchants, and the Addendum points to https://chase.com/paze for more information. Other Wallets may have similar requirements to activate your ability to use your Chase Card in them.

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Early Warning Services, LLC is the PazeSM Wallet Provider.

You will need to accept the PazeSM Terms of Service in order to activate your PazeSM Wallet and use it for purchases at participating merchants. For more information on PazeSM, please visit https://chase.com/paze. Other Wallets may have similar requirements to activate your ability to use your Chase Card therein.

Qualifications & exceptions

• Using Paze for purchases requires accepting the Paze Terms of Service.

Not stated here

• The Paze Terms of Service and the other Wallets' requirements are not part of this document.

Legal Rights & Agreement Rules · Context

Putting your card in a wallet does not change your Card Member Agreement, which stays in force

The terms and agreement that govern your Chase Card do not change when the card is added to, provisioned in or Activated in a Wallet. The applicable Card Member Agreement or account agreement, as amended from time to time, is incorporated by reference as part of these Terms and stays in full force and effect, and you should review them for your rights and responsibilities when making transactions through a Wallet.

Details not recorded for this card

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3. Your Chase Card Terms Do Not Change

The terms and agreement that govern your Chase Card do not change when the Chase Card is added to, provisioned in, or Activated in a Wallet. The applicable Card Member Agreement or account agreement that governs the Chase Card, as amended from time to time, are incorporated by reference as part of these Terms and remain in full force and effect.

Not stated here

• The Card Member Agreement and account agreement are not part of this document.

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.

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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.

Legal Rights & Agreement Rules · Restriction or exception

Chase is not the provider of third-party wallets and is not responsible for their failures or agreements

Chase is not the Wallet Provider of Wallets it does not own and operate (third-party Wallets) and is not responsible for providing their services. It is only responsible for securely supplying information to the third-party Wallet provider so the Chase Card can be used there. It is not responsible for any failure of a third-party Wallet, errors in or caused by it, delays, or an inability to use it for any transaction, or for the performance or non-performance of a third-party Wallet Provider or other third parties regarding any agreement you enter into with them.

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5. Chase Is Not Responsible for a Third-Party Wallet

Chase is not the Wallet Provider of non-Chase owned and operated Wallets (“third-party Wallets”), and we are not responsible for providing third-party Wallet services to you. Chase is only responsible for supplying information securely to the third-party Wallet provider to allow usage of the Chase Card in a third-party Wallet.

We are not responsible for any failure of a third-party Wallet, for any errors in or caused by the third-party Wallet or delays caused by or the inability to use a third-party Wallet for any transaction. We are not responsible for the performance or non-performance of a third-party Wallet Provider or any other third parties regarding any agreement you enter into with a third-party Wallet Provider or associated third-party relationships that may impact your use of a third-party Wallet.

Qualifications & exceptions

• Applies to Wallets not owned and operated by Chase.

Not stated here

• The third-party Wallet providers' agreements are not part of this document.

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

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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.

Use & Processing · Permission or license

You consent to electronic communications about your card and wallet, including from Chase's service companies

You consent to receive electronic communications and disclosures from Chase in connection with your Chase Card and a Wallet. You agree Chase can contact you by email at any email address you provide in connection with any Chase product, service or account, or through the mobile device on which you downloaded the Chase Mobile app, including contact from companies working on Chase's behalf to service your accounts. You agree to update your contact information when it changes.

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7. Contacting You Electronically and by Email or through Your Mobile Device

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

Account & Service Control · Procedure

To remove a card from a wallet, contact the Wallet Provider or use the Chase platform

You should contact the Wallet Provider about how to remove a Chase Card from a Wallet. If the wallet is on a Chase proprietary platform, such as the Chase Mobile app or chase.com, information may be on that platform.