Additional Banking Services and Fees for Personal Accounts

JPMorgan Chase Bank, N.A. Member FDIC

Page 1 of 18

Deposit Account Agreement

This document is part of the Deposit Account Agreement and has five sections that provide additional information about our

products and services. Accounts are subject to approval.

1. Product Information

2. Fee Schedule

3. Card Purchase and Withdrawal Limits

4. Chase Overdraft Services

5. Disclosures for New Account Inquiries

Deposit Account Agreement – Product Information

PERSONAL CHECKING ACCOUNTS

Chase Secure Checking

Monthly Service Fee

$4.95

Interest

Does not earn interest

Benefits

No Chase fee for:

•

Money Orders and Cashier’s Checks

Services Not Available

– Chase Overdraft Services

– Check writing

– Wire transfers (incoming or outgoing)

– Opening a Safe Deposit Box

PERSONAL CHECKING ACCOUNTS

Chase Total Checking

Monthly Service Fee

$12

How to Avoid the Monthly

Service Fee During Each

Monthly Statement Period

$0 Monthly Service Fee when you have any ONE of the following:

– Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers

or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment network, or (iii)

third party services that facilitate payments to your debit card using the Visa

or Mastercard

network

– OR, a balance at the beginning of each day of $1,500 or more in this account

– O R , an average beginning day balance of $5,000 or more in any combination of this account and

linked qualifying deposits/investments

Qualifying Deposits

Qualifying personal deposits include Chase First Checking

accounts, personal Chase savings

accounts (excluding Chase Premier Savings

and Chase Private Client Savings

), CDs, certain Chase

Retirement CDs, or certain Chase Retirement Money Market Accounts

Qualifying Investments

Qualifying personal investments include balances in investment and annuity products offered through

JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to

calculate the average beginning day balance for such investment and annuity products. Some third

party providers report balances on a weekly, not daily, basis and we will use the most current balance

reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment

accounts do not qualify. Investment products and related services are only available in English.

INVESTMENT AND INSURANCE PRODUCTS:

• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT

AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Interest

Does not earn interest

Check Return Options

Check Safekeeping

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

1 J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through

J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities

are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance

Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS,

CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

JPMorgan Chase Bank, N.A. Member FDIC

Page 2 of 18

Deposit Account Agreement – Product Information

PERSONAL CHECKING ACCOUNTS

Chase Premier Plus Checking

Chase Sapphire

Checking

Monthly Service Fee

$25 $25

How to Avoid the Monthly

Service Fee During Each

Monthly Statement Period

$0 Monthly Service Fee when you have any

ONE of the following:

– An average beginning day balance of $15,000

or more in any combination of this account and

linked qualifying deposits/investments

– O R , have a linked qualifying Chase first

mortgage enrolled in automatic payments from

your Chase account

Military Banking: $0 Monthly Service Fee

for current or prior members of our nation’s

military with qualifying military ID

$0 Monthly Service Fee when you have

an average beginning day balance of $75,000

or more in any combination of this account

and linked qualifying deposits/investments

Qualifying Deposits

Qualifying personal deposits include Chase First

Checking accounts, up to two other personal

Chase checking accounts (excluding Chase

Sapphire Checking and Chase Private Client

Checking

), personal Chase savings accounts

(excluding Chase Private Client Savings), CDs,

certain Chase Retirement CDs, or certain Chase

Retirement Money Market Accounts

Qualifying personal deposits include Chase First

Checking accounts, up to nine other personal

Chase checking accounts (excluding Chase

Private Client Checking), personal Chase savings

accounts (excluding Chase Private Client Savings),

CDs, certain Chase Retirement CDs, or certain

Chase Retirement Money Market Accounts

Qualifying Investments

Qualifying personal investments include balances in investment and annuity products offered through

JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to

calculate the average beginning day balance for such investment and annuity products. Some third

party providers report balances on a weekly, not daily, basis and we will use the most current balance

reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment

accounts do not qualify. Investment products and related services are only available in English.

INVESTMENT AND INSURANCE PRODUCTS:

• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT

AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Interest

Earns Interest–Variable; based on daily collected balance

Check Return Options

Check Safekeeping, Image Statement and Enclosure Statement

Continued On Next Page

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

“Sapphire Banking” is the brand name for a banking and investment offering, requiring a Chase Sapphire Checking account.

1 Your qualifying mortgage must be linked and enrolled in automatic payments on the business day before the end of your

statement period. Automatic payments are when you authorize Chase to automatically deduct payment each month from your

Chase account. Payments you set up through Online Bill Pay will not be included. Qualifying mortgage accounts include Chase

first mortgage accounts (with servicing retained by Chase) that are in good standing.

2 J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through

J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities

are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance

Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS,

CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

JPMorgan Chase Bank, N.A. Member FDIC

Page 3 of 18

Deposit Account Agreement – Product Information

PERSONAL CHECKING ACCOUNTS

Chase Premier Plus Checking

Chase Sapphire

Checking

Additional Benefits

No Chase fee for:

•

The first four Non-Chase ATM transactions

each statement period. A Foreign Exchange

Rate Adjustment Fee will apply for ATM

withdrawals in a currency other than U.S. dollars

•

Chase design checks or a 50% discount on

other personal style checks when ordered

through Chase. Fees may apply for certain

other supplies and expedited shipping options.

Effective November 14, there will no longer

be a 50% discount on personal style checks.

There will continue to be no Chase fee on

Chase design checks

•

Counter Check, Money Order and Cashier’s

Check

•

Annual rent for a 3” x 5” Safe Deposit Box or

smaller (20% discount on larger sizes)

No Monthly Service Fee on these accounts

when linked:

•

Up to two additional personal Chase checking

accounts (excluding Chase Sapphire Checking

and Chase Private Client Checking)

•

Chase personal savings account(s) (excluding

Chase Private Client Savings)

Enhanced benefits for active duty and

reserve military servicemembers of the Air

Force, Army, Coast Guard, Marines, Navy, and

National Guard

These additional benefits require direct deposit

of military base pay (does not include allotments).

These benefits will begin the next business day

after military base pay is direct deposited into a

Chase Premier Plus Checking account and will

end if no such direct deposit has been made

within the last 180 days.

No Chase fee for:

•

Non-Chase ATM transactions

•

Foreign Exchange Rate Adjustment

•

Incoming or outgoing wire transfers

Overdraft Fees:

•

No Insufficient Funds Fees when item(s) are

presented against an account with insufficient

funds on the first four business days during

the current and prior 12 statement periods. On

a business day when we returned item(s), this

counts toward the four business days when an

Insufficient Funds Fee will not be charged

No Chase fee for:

•

ATM use worldwide, including:

– Non-Chase ATM transactions

– Refund of ATM fees charged to you at

non-Chase ATMs

– Foreign Exchange Rate Adjustment

•

Debit card Foreign Exchange Rate Adjustment

•

Non-ATM Cash transactions

•

Card Replacement – Rush Request

•

Stop payments

•

Deposited Item Returned or Cashed Check

Returned

•

Incoming or outgoing wire transfers

•

Personal style checks when ordered through

Chase. Fees may apply for certain other

supplies and expedited shipping options.

Effective November 14, there will be a Chase

fee for personal style checks. There will

continue to be no Chase fee on Chase design

checks

•

Counter Check, Money Order and Cashier’s

Check

•

Legal Processing

•

Annual rent for a 3” x 5” Safe Deposit Box or

smaller (20% discount on larger sizes)

No Monthly Service Fee on these accounts

when linked:

•

Up to nine additional personal Chase checking

accounts (excluding Chase Private Client

Checking)

•

Chase personal savings account(s) (excluding

Chase Private Client Savings)

•

Chase Total Business Checking

account

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

1 For wire transfers, the “No Chase Fee” benefit applies to the Wire Transfer Fees section listed on the Fee Schedule included in

this document. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing

wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

2 This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify these fees in the

information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund is not processed,

please contact us. If you choose to convert an international transaction to U.S. dollars at either an ATM or on a purchase, foreign

currency commissions and fees included in the exchange rate charged by third parties are excluded from Chase reimbursements.

3 This benefit will begin the next business day after opening the account.

JPMorgan Chase Bank, N.A. Member FDIC

Page 4 of 18

Deposit Account Agreement – Product Information

PERSONAL CHECKING ACCOUNTS

Chase Private Client Checking

Monthly Service Fee

$35

How to Avoid the Monthly

Service Fee During Each

Monthly Statement Period

$0 Monthly Service Fee when you have any ONE of the following:

– An average beginning day balance of $150,000 or more in any combination of this account and

linked qualifying deposits/investments

– OR, a linked Chase Platinum Business Checking

account

Qualifying Deposits

Qualifying personal deposits include up to nine Chase Private Client Checking accounts, Chase

High School Checking

accounts, Chase First Checking

accounts, personal Chase savings

accounts (excluding Chase Premier Savings

), CDs, certain Chase Retirement CDs, or certain Chase

Retirement Money Market accounts.

Qualifying Investments

Qualifying personal investments include balances in investment and annuity products offered through

JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances

to calculate the average beginning day balance for such investment and annuity products. Some

third party providers report balances on a weekly, not daily, basis and we will use the most current

balance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment

accounts do not qualify. Investment products and related services are only available in English.

INVESTMENT AND INSURANCE PRODUCTS:

• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT

AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Interest

Earns Interest – Variable; based on daily collected balance

Check Return Options

Check Safekeeping, Image Statement and Enclosure Statement

Continued On Next Page

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

“Chase Private Client” is the brand name for a banking and investment offering, requiring a Chase Private Client Checking account.

1 J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through

J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities

are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance

Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS,

CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

JPMorgan Chase Bank, N.A. Member FDIC

Page 5 of 18

Deposit Account Agreement – Product Information

PERSONAL CHECKING ACCOUNTS

Chase Private Client Checking

Additional Benefits

Overdrafts Fees:

•

No Insufficient Funds Fees when item(s)

are presented against an account with

insufficient funds on the first four business

days during the current and prior 12

statement periods. On a business day when

we returned item(s), this counts toward the

four business days when an Insufficient

Funds Fee will not be charged

No Chase fee for:

•

ATM use worldwide, including:

– Non-Chase ATM transactions

– Refund of ATM fees charged to you at

non-Chase ATMs

– Foreign Exchange Rate Adjustment

•

Debit card Foreign Exchange Rate Adjustment

•

Non-ATM Cash transactions

•

Card Replacement – Rush Request

•

Incoming or outgoing wire transfers

•

Stop Payment

•

Deposited Item Returned or Cashed Check

Returned

•

Personal style checks when ordered through

Chase. Fees may apply for certain other

supplies and expedited shipping options

•

Counter Check, Money Order and Cashier’s

Check

•

Legal Processing

•

Annual rent for a 3” x 5” Safe Deposit Box or

smaller (20% discount on larger sizes)

No Monthly Service Fee on these accounts

when linked:

•

Up to nine additional Chase Private Client

Checking accounts

•

Chase savings accounts (excluding Chase

Premier Savings)

•

Chase Total Business Checking

account

•

Chase Business Complete Checking

account

•

Lower balance requirement to waive the

Monthly Service Fee on a linked Chase

Platinum Business Checking

account

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

1 This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify these

fees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund

is not processed, please contact us. If you choose to convert an international transaction to U.S. dollars at either an ATM or on

a purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded from

Chase reimbursements.

2 This benefit will begin the next business day after opening the account.

3 For wire transfers, the “No Chase Fee” benefit applies to the Wire Transfer Fees section listed on the Fee Schedule included in

this document. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing

wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

JPMorgan Chase Bank, N.A. Member FDIC

Page 6 of 18

Deposit Account Agreement – Product Information

PERSONAL CHECKING ACCOUNTS

Chase First Checking

For parents/guardians interested in teaching their child how to manage money using a debit card with the child’s name on it.

The parent/guardian is the owner of this account and must have an online profile and one of these other checking accounts at

account opening: a Chase Secure Checking, Chase Total Checking, Chase Premier Plus Checking, Chase Sapphire Checking,

Chase Better Banking

Checking, Chase Premier Checking

, Chase Checking

or a Chase Private Client Checking account.

Benefits offered to these checking accounts do not apply to Chase First Checking accounts.

Only the parent/guardian who opened the account can fund, view or manage this account.

Monthly Service Fee

None

Age Requirements

You can open an account for your child who is 6–17 years old

Maximum Number of

Accounts Allowed

Up to five Chase First Checking accounts per parent/guardian

Only Way to Deposit Funds

Deposit funds through a transfer from any of your checking accounts to this account using chase.com or

Chase Mobile

Only Ways to Withdraw

Funds

– At an ATM

– At merchants for purchases with a debit card (no cash back with PIN transactions), including online purchases

– OR, the parent/guardian can transfer funds back to any of their checking accounts using chase.com

or Chase Mobile

Features/Online Categories

These features are available on chase.com or Chase Mobile

– Spend is a tool where you can set rules to manage where and how much your child can spend at

specific places or categories of places (retail stores, restaurants, etc.) using Chase Mobile

•

We will follow the spending rules but there may be times when the technology allows your

child to exceed the amount in that category (for example, a system outage)

– Save is a tool where your child can start learning about saving by setting savings goals

– Earn is a tool that you can use to add money into the account based on rules that you set. For

example, setting allowance and chores

Additional Information

– Open this account on chase.com or Chase Mobile

– You give consent for your child to see any information regarding this account

– Since you own the account, you are the only one who may contact the bank about changes,

questions or claims on the account. If you close all of your checking accounts with Chase, then the

Chase First Checking account will close after two statement periods

Interest

Does not earn interest

Services Not Available

– Zelle

– Chase QuickDeposit

– Chase Overdraft Services

– Check writing and check deposits

– Wire transfers (incoming or outgoing)

– ACH transactions (deposits and withdrawals)

– We prohibit certain transaction types. This

includes, but is not limited to:

•

Purchasing official checks and other

monetary instruments

•

Withdrawing cash from a banker at a

branch or merchants

•

Paying for rentals (e.g. cars, equipment,

furniture)

•

Funding gambling related activities

Chase First Checking –

Only Fees That Apply

Non-Chase ATM

(Avoid these fees by using a Chase ATM)

$2.50 for any inquiries, transfers or withdrawals

while using a non-Chase ATM in the U.S., Puerto

Rico and the U.S. Virgin Islands. Fees from the ATM

owner/network still apply

$5 per withdrawal and $2.50 for any transfers or

inquiries at ATMs outside the U.S., Puerto Rico and

the U.S. Virgin Islands. Fees from the ATM owner/

network still apply

Foreign Exchange Rate Adjustment: You make

card purchases or ATM withdrawals in a currency

other than U.S. dollars

3% of withdrawal amount after conversion to U.S.

dollars. For additional information on exchange

rates, refer to the Deposit Account Agreement

Card Replacement – Rush Request: You request

express shipping of a replacement debit card (Avoid

this fee by requesting standard shipping)

$5 per card, upon request

JPMorgan Chase Bank, N.A. Member FDIC

Page 7 of 18

Deposit Account Agreement – Product Information

PERSONAL CHECKING ACCOUNTS

Chase High School Checking

Chase College Checking

Who is Eligible

For students 13–17 years old at account opening

with their parent/guardian as a co-owner and the

account must be linked to the parent/guardian’s

personal checking account. Linked accounts

exclude Chase High School Checking, Chase

College Checking, Chase Secure Checking, and

Chase First Checking

When the student turns 19, the Chase High

School Checking account will become a Chase

Total Checking account

For college students 17–24 years old at account

opening, when proof of student status is provided

Monthly Service Fee

None $6

How to Avoid the Monthly

Service Fee During Each

Monthly Statement Period

Does not apply

$0 Monthly Service Fee when you have any

ONE of the following:

– Up to five years while in college

– O R , an electronic deposit made into this account,

such as a payment from payroll providers or

government benefit providers, by using (i) the ACH

network, (ii) the Real Time Payment network, or (iii)

third party services that facilitate payments to your

debit card using the Visa

or Mastercard

network

– O R , an average ending day balance of $5,000

or more in this account

Check Return Options

Check Safekeeping

Additional Benefits

Does not apply

No Monthly Service Fee on a Chase Savings

account linked to this account for Overdraft Protection

Services Not Available

– Standard Overdraft Practice

– Chase Debit Card Coverage

Does not apply

CERTIFICATE OF DEPOSIT ACCOUNTS

Chase Certificate of Deposit

Minimum Deposit to Open

$1,000

Interest

Fixed

Earn CD relationship rates on your CDs when linked to a Chase personal checking account

Withdrawal Penalties

There is a penalty for withdrawing principal prior to the maturity date.

– If the term of the CD is less than 6 months, the early withdrawal penalty is 90 days of interest on the

amount withdrawn, but not more than the total amount of interest earned during the current term of the CD

– If the term of the CD is 6 months to less than 24 months, then the early withdrawal penalty is 180

days of interest on the amount withdrawn, but not more than the total amount of interest earned

during the current term of the CD

– For terms 24 months or more, the early withdrawal penalty is 365 days of interest on the amount

withdrawn, but not more than the total amount of interest earned during the current term of the CD

– If the withdrawal occurs less than seven days after opening the CD or making another withdrawal

of principal, the early withdrawal penalty will be calculated as described above, but it cannot be less

than seven days’ interest

– The amount of your penalty will be deducted from principal

Statement Period

Balance information for linked CDs appears on the monthly checking account statement. CDs do not

receive separate statements

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

JPMorgan Chase Bank, N.A. Member FDIC

Page 8 of 18

Deposit Account Agreement – Product Information

PERSONAL SAVINGS ACCOUNTS

Chase Savings

Chase Premier Savings

Monthly Service Fee

$5 $25

How to Avoid the Monthly

Service Fee During Each

Monthly Statement Period

$0 Monthly Service Fee when you have any

ONE of the following:

– A balance at the beginning of each day of

$300 or more in this account

– O R , $25 or more in total Autosave or other

repeating automatic transfers from your

personal Chase checking account (available

only through chase.com or Chase Mobile)

– O R , a Chase College Checking account linked

to this account for Overdraft Protection

– O R , an account owner who is an individual

younger than 18

– O R , a linked Chase Better Banking Checking,

Chase Premier Checking, Chase Premier Plus

Checking, Chase Sapphire Checking, or Chase

Private Client Checking account

$0 Monthly Service Fee when you have any

ONE of the following:

– A balance at the beginning of each day of

$15,000 or more in this account

– O R , a linked Chase Premier Plus Checking or

Chase Sapphire Checking account

Interest

Variable; based on daily collected balance Variable; based on daily collected balance

Earn Premier relationship rates when you:

– Link the account to a Chase Premier Plus

Checking or Chase Sapphire Checking

account, and

– Make at least five customer-initiated

transactions in a monthly statement period

using your linked checking account

The Premier relationship rates will be applied

to your savings accounts throughout the next

statement period

Savings Withdrawal

Limit Fee

$5 Savings Withdrawal Limit Fee, which

is a Chase fee, applies for each withdrawal or

transfer out of a Chase savings account over

six per monthly statement period (maximum

of three Savings Withdrawal Limit Fees per

monthly statement period, for a total of $15). All

withdrawals and transfers out of your personal

savings account count toward this fee, including

those made at a branch or at an ATM

$5 Savings Withdrawal Limit Fee, which

is a Chase fee, applies for each withdrawal or

transfer out of a Chase savings account over

six per monthly statement period (maximum

of three Savings Withdrawal Limit Fees per

monthly statement period, for a total of $15). All

withdrawals and transfers out of your personal

savings account count toward this fee, including

those made at a branch or at an ATM

Waived with: A balance of $15,000 or more in this

account at the time of withdrawal or transfer out

Additional Benefits

Does not apply

No Chase fee for:

•

Non-Chase ATM transactions. A Foreign

Exchange Rate Adjustment Fee will apply for ATM

withdrawals in a currency other than U.S. dollars

•

Incoming wire transfers

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

1 For wire transfers, the “No Chase Fee” benefit applies to the Wire Transfer Fees section listed on the Fee Schedule included in

this document. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing

wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

JPMorgan Chase Bank, N.A. Member FDIC

Page 9 of 18

Deposit Account Agreement – Product Information

PERSONAL SAVINGS ACCOUNTS

Chase Private Client Savings

To open a Chase Private Client Savings

account, you will be required to have a Chase Private Client Checking account.

Monthly Service Fee

None

Interest

Variable; based on daily collected balance

Earn Chase Private Client relationship rates when linked to a Chase Private Client Checking account.

The Chase Private Client relationship rates will be applied to your savings accounts throughout the

next statement period.

Additional Benefits

No Chase fee for:

•

ATM use worldwide, including:

– Non-Chase ATM transactions

– Refund of ATM fees charged to you at non-Chase ATMs

– Foreign Exchange Rate Adjustment

•

Card Replacement – Rush Request

•

Incoming or outgoing wire transfers

•

Stop Payment

•

Deposited Item Returned or Cashed Check Returned

•

Money Order and Cashier’s Check

•

Legal Processing

NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.

“Chase Private Client” is the brand name for a banking and investment offering, requiring a Chase Private Client Checking account.

1 This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify these

fees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund

is not processed, please contact us. If you choose to convert an international transaction to U.S. dollars at either an ATM or on

a purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded from

Chase reimbursements.

2 This benefit will begin the next business day after opening the account.

3 For wire transfers, the “No Chase Fee” benefit applies to the Wire Transfer Fees section listed on the Fee Schedule included in

this document. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing

wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

JPMorgan Chase Bank, N.A. Member FDIC

Page 10 of 18

Deposit Account Agreement – Fee Schedule

ATM Fees and

Debit Card Fees

Non-Chase ATM

(Avoid these fees by using a Chase ATM)

$2.50 for any inquiries, transfers or withdrawals while

using a non-Chase ATM in the U.S., Puerto Rico and

the U.S. Virgin Islands. Fees from the ATM owner/

network still apply

$5 per withdrawal and $2.50 for any transfers or

inquiries at ATMs outside the U.S., Puerto Rico and the

U.S. Virgin Islands. Fees from the ATM owner/network

still apply

Foreign Exchange Rate Adjustment:

You make card purchases, non-ATM cash

transactions or ATM withdrawals in a currency

other than U.S. dollars

3% of withdrawal amount after conversion to U.S.

dollars. For additional information on exchange rates,

refer to the Deposit Account Agreement

Non-ATM Cash: You use your Chase Debit

Card to withdraw cash from a teller at a bank

that is not Chase

3% of the dollar amount of the transaction OR

$5, whichever is greater

Card Replacement – Rush Request: You

request express shipping of a replacement

debit or ATM card (Avoid this fee by

requesting standard shipping)

$5 per card, upon request

Overdraft Fees

Insufficient Funds: Chase pays an item

when your account does not have enough

money

$34 fee for each item if your account balance is

overdrawn by more than $50 at the end of the business

day (maximum of 3 fees per day, for a total of $102).

$0 for each item if your account balance is overdrawn

by $50 or less at the end of the business day.

$0 for each item that is $5 or less, even if your

account balance is overdrawn by more than $50 at the

end of the business day.

$0 for debit card transactions if your available balance

was sufficient at the time your transaction was

authorized, even if your account balance is overdrawn

at the time the transaction is presented for payment.

Note: We will charge an Insufficient Funds Fee for an

item even if we had previously returned that same item

unpaid.

Also, Chase will not charge a fee:

•

If we return a check or ACH item unpaid

•

If we decline a debit card transaction

•

If we decline an ATM cash withdrawal request

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day

ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for

some ways of making a deposit or transferring funds from another Chase account:

•

At a branch before it closes

•

At an ATM before 11 p.m. Eastern Time (8 p.m. Pacific Time)

•

When transferring money on chase.com or Chase Mobile or using Zelle before 11 p.m. Eastern Time (8 p.m. Pacific Time)

Additional cutoff times apply to other transfers, including transfers from non-Chase accounts. Please visit chase.com or Chase

Mobile for more information and service agreements.

NOTE: These fees may be waived with certain personal checking and savings account types. See Product Information for details.

JPMorgan Chase Bank, N.A. Member FDIC

Page 11 of 18

Deposit Account Agreement – Fee Schedule

Wire Transfer Fees

Domestic and International Incoming Wire: A wire

transfer is deposited into your account

$15 per transfer OR

$0 if the transfer was originally sent with the

help of a Chase banker or using chase.com or

Chase Mobile

Domestic Wire: A banker helps you send a wire to a

bank account within the U.S.

$35 per transfer

Online Domestic Wire: You use chase.com or Chase

Mobile to send a wire from your checking account to a

bank account within the U.S.

$25 per transfer

Consumer USD/FX International Wire: A banker

helps you send a wire to a bank outside the U.S. in

either U.S. dollars (USD) or foreign currency (FX)

$50 per transfer

Consumer Online USD International Wire: You use

chase.com or Chase Mobile to send a wire from your

checking account to a bank account outside the U.S. in

U.S. dollars (USD)

$40 per transfer

Consumer Online FX International Wire: You use

chase.com or Chase Mobile to send a wire from your

checking account to a bank account outside the U.S. in

foreign currency (FX)

$5 per transfer OR

$0 per transfer if the amount is equal to

$5,000 USD or more

Other Fees

Stop Payment: You contact us and a banker places

your stop payment request on a check or ACH item

$30 per request

Online or Automated Phone Stop Payment: You

use chase.com, Chase Mobile or our automated phone

system to place a stop payment on a check. Only some

types of stop payments are available

$25 per request

Deposited Item Returned or Cashed Check

Returned: You deposit or cash an item that is

returned unpaid

$12 per item

Order for Checks or Supplies: An order of personal

checks, deposit slips or other banking supplies

Varies (based on items ordered)

Counter Check: A blank page of 3 personal checks

we print upon your request at a branch

$2 per page

Money Order: A check issued by you, purchased at a

branch, for an amount up to $1,000

$5 per check

Cashier’s Check: A check issued by the bank,

purchased at a branch, for any amount and to a payee

you designate

$8 per check

Legal Processing: Processing of any garnishment, tax

levy, or other court or administrative order against your

accounts, whether or not the funds are actually paid

Up to $100 per order

Safe Deposit Box

Annual Rent

Assessed when opening a Safe Deposit Box and then

annually at lease renewal. To open a Safe Deposit Box,

you’re required to have a Chase checking or savings

account, excluding Chase Secure Checking

Varies by size and location, includes sales

tax where applicable (sizes are subject to

availability and boxes may not be offered in all

branches)

NOTE: These fees may be waived with certain personal checking and savings account types. See Product Information for details.

1 Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers. Any

deductions taken by us, and our affiliates, may include processing fees charged by Chase.

JPMorgan Chase Bank, N.A. Member FDIC

Page 12 of 18

Deposit Account Agreement – Card Purchase and Withdrawal Limits

Daily Limits are based on the Card Type you use and which type of ATM you use, not the account you have. These are the limits that

come with your card, but you can contact us to request a different ATM or Purchase Limit (subject to approval).

DAILY LIMITS

Card Type Purchase Limit Chase In-Branch ATM Limit Other Chase ATM Limit Non-Chase ATM Limit

Chase Debit Card

Chase Liquid Card

$3,000 $3,000 $1,000

$500 ($1,000 for

accounts opened in

CT, NJ, NY)

Chicago Skyline Debit Card (IL only)

$3,000 $3,000 $1,000 $500

Chase Sapphire Banking Debit Card

Premier Platinum Debit Card

$7,500 $3,000 $3,000

$1,000 ($2,000 for

accounts opened in

CT, NJ, NY)

Chase Private Client Debit Card

$7,500 $3,000 $3,000 $2,000

Chase Disney Debit Card

Chase Star Wars Debit Card

$5,000 $3,000 $1,000

$500 ($1,000 for

accounts opened in

CT, NJ, NY)

Chase First Banking Debit Card

$400 $100 $100 $100

Chase ATM Card

N/A $3,000 $1,000

$300 ($1,000 for

accounts opened in

CT, NJ, NY)

When you use a Chase ATM it is either considered an In-Branch ATM or Other Chase ATM.

•

Chase In-Branch ATMs are ATMs located inside the main area of a Chase branch that you use during the branch’s posted

business hours.

•

Other Chase ATMs include ATMs located inside the main area of a Chase branch that you use outside of the branch’s

posted business hours, ATMs that are separated from the main area of a branch by another set of doors, drive-up ATMs and

other Chase ATMs not located in or near a branch.

The Chase In-Branch ATM Limit is separate from all other limits, which means that withdrawals at a Chase In-Branch ATM do not

count toward your Other Chase ATM or Non-Chase ATM Limits. When you use a Chase In-Branch ATM, all withdrawals made

with any of your ATM, debit or prepaid cards count toward every card’s Chase In-Branch ATM Limit.

When you use an Other Chase ATM or a Non-Chase ATM, all withdrawals count toward the Other Chase ATM Limits for all of

your ATM, debit or prepaid cards, and count toward only that card’s Non-Chase ATM Limit.

Special rules for Privileges Cards (for Chase Private Client only):

The Privileges Card has monthly limits for ATM withdrawals and purchases, which are set by the account owner (not to exceed

$10,000 for ATM withdrawals and $50,000 for purchases). Withdrawals at any ATM count toward the monthly limit, and Privileges

Card withdrawals do not count toward the account owner’s limit on other cards. The limits are reset on the first day of the month.

Page 13 of 18

Effective 8/8/2021

Chase Overdraft Services

An overdraft occurs when you don’t have enough money available in your checking account to cover a transaction.

We have a Standard Overdraft Practice that comes with Chase checking accounts and also offer Overdraft Protection

and Chase Debit Card Coverage, which are optional services that can help pay overdrafts when they occur. Our

overdraft services are not available for Chase Secure Checking or Chase First Checking.

STANDARD OVERDRAFT PRACTICE:

What it is:

Our Standard Overdraft Practice may pay, for a fee, overdraft transactions at our discretion based on your account

history, the deposits you make and the transaction amount. We do NOT GUARANTEE we will always pay your overdraft

transaction, and if we do not pay your transaction, the transaction will be declined or returned unpaid. Standard

Overdraft Practice is not available for Chase High School Checking.

What it pays:

•

Checks

•

Automatic Payments (e.g. recurring phone bill, mortgage or utility bill)

•

Recurring debit card purchases (e.g. movie subscriptions or gym memberships)

•

NOT covered: Everyday debit card transactions (e.g. groceries, gasoline or dining out)

What it costs:

•

If Paid: $34 Insufficient Funds Fee per item if your account balance is overdrawn by more than $50 at the end

of the business day (maximum of 3 fees per day, for a total of $102)

When a fee won’t be charged:

•

If a transaction is declined or returned unpaid

•

If your account balance is overdrawn by $50 or less at the end of the business day

•

For items that are $5 or less, even if your account balance is overdrawn by more than $50 at the end of the

business day

•

If your available balance was sufficient at the time your debit card transaction was authorized, even if your

account balance is overdrawn at the time the transaction is presented for payment

For Chase Sapphire Checking and Chase Private Client Checking accounts, there are no Insufficient Funds Fees when

item(s) are presented against an account with insufficient funds on the first four business days during the current and

prior 12 statement periods. On a business day when we returned item(s), this counts toward the four business days when

an Insufficient Funds Fee will not be charged.

Posting Order

Posting order is the order in which we apply deposits and withdrawals to your account. We provide you with visibility

into how transactions are posted and in what order to help you better manage your account.

When we transition from one business day to the next business day we post transactions to and from your account during

our nightly processing. The order in which we generally post items during nightly processing for each business day is:

•

First, we make any previous day adjustments, and add deposits to your account.

•

Second, we subtract transactions in chronological order by using the date and time of when the transaction was

authorized or shown as pending. This includes ATM and Chase banker withdrawals, transfers and payments;

automatic payments; chase.com or Chase Mobile online transactions; checks drawn on your account; debit card

transactions; wire transfers; and real time payments. If multiple transactions have the same date and time, then

they are posted in high to low dollar order.

There are some instances where we do not have the time of the transaction therefore we post at the end of

the day the transaction occurred:

• We are unable to show the transaction as pending; or

• We don’t receive an authorization request from the merchant but the transaction is presented for payment.

•

Third, there are some transactions that we cannot process automatically or until we’ve completed posting of your

chronological transactions. This includes Overdraft Protection transfers or transfers to maintain target balances

in other accounts. We subtract these remaining items in high to low dollar order.

•

Finally, fees are assessed last.

If you review your account during the day, you will see that we show some transactions as “pending.” For details, refer to

the section “Pending” transactions in the Deposit Account Agreement. These transactions impact your available balance,

but have not yet posted to your account and do not guarantee that we will pay these transactions to your account

if you have a negative balance at that time. We may still return a transaction unpaid if your balance has insufficient

funds during that business day’s nightly processing, even if it had been displayed as a “pending” transaction on a

positive balance during the day. If a transaction that you made or authorized does not display as “pending,” you are still

responsible for it and it may still be posted against your account during nightly processing.

Knowing your balance may help you avoid fees

Use any of these options to check your balance before you make a purchase.

•

Go to chase.com/AccountAlerts

•

Use any Chase ATM

•

Use Chase Mobile

•

Call 1-800-935-9935 (we accept operator relay calls)

•

Log on to chase.com

Page 14 of 18

Effective 8/8/2021

OVERDRAFT PROTECTION:

What it is: Allows you to link a Chase savings account as an Overdraft Protection backup account to your checking

account to help pay any overdraft transactions that may occur. The exact amount needed to cover the transaction will

be transferred if enough funds are available.

What it pays:

•

All transactions, including everyday debit card transactions

What it costs:

•

There is not a fee for an Overdraft Protection transfer; however, an Overdraft Protection transfer counts toward:

– $5 Savings Withdrawal Limit Fee, which is a Chase fee, applies for each withdrawal or transfer out of a

Chase savings account over six per monthly statement period (maximum of three Savings Withdrawal Limit

Fees per monthly statement period, for a total of $15). All withdrawals and transfers out of your personal

savings account count toward this fee, including those made at a branch or at an ATM. This fee is waived for

Chase Private Client Savings, and for Chase Premier Savings accounts with a balance of $15,000 or more in the

account at the time of withdrawal or transfer out

•

Refer to the next page for applicable fees if enough money is NOT available in your linked Overdraft Protection

backup account

Establishing or Canceling Overdraft Protection: Any owner of both a qualifying checking account and the backup

account may enroll in Overdraft Protection without the consent of other owners and both accounts must share at least one

owner to maintain Overdraft Protection. Any owner of the checking account or the backup account may cancel Overdraft

Protection (by terminating the service or closing the account) without the consent of other owners. A backup account

can provide Overdraft Protection for more than one checking account, but a checking account can have only one backup

account. A personal checking account may be linked to a Chase personal savings account; and a business checking account

may be linked to a Chase business savings account or a business line of credit in good standing. We may cancel your

Overdraft Protection service at any time. Your request to add or cancel Overdraft Protection will become effective within a

reasonable time after approval.

Transfers: We will make one Overdraft Protection transfer per business day that will appear on your statement for both

accounts. If you have enough available funds in your backup account, we will automatically transfer enough to bring your

checking account balance to zero. If you do not have enough available funds in your backup account to bring your checking

account balance to zero, but you have enough available funds to pay one or more transactions and/or your previous day’s

negative balance, we will transfer that amount. If the amount transferred does not bring your checking account balance

to zero, your checking account will become overdrawn and you may be charged Insufficient Funds Fees. If we authorize

your transaction, we will leave the funds in your backup account until we pay the transaction, which may take several days.

However, if you use those funds before the transaction is paid there will not be available funds to make the transfer and

your checking account may become overdrawn and charged an Insufficient Funds Fee. The available balance for a savings

account is determined at the time that we authorize a transaction or at the end of business day processing. The available

balance for a business line of credit is determined at the end of the previous business day processing. We are not required

to notify you if funds from the backup account cannot be transferred for Overdraft Protection (for example if the account

is dormant, purged, restricted or not in good standing). Refer to the section Restricting Your Account; Blocking or Delaying

Transactions in the Deposit Account Agreement for additional information.

CHASE DEBIT CARD COVERAGE:

What it is: Allows you to choose how we treat your EVERYDAY DEBIT CARD transactions. If you don’t have Overdraft

Protection, or you don’t have enough funds in your linked Overdraft Protection backup account, and:

•

You select NO, the transaction will be declined and you will NOT be charged a fee

•

You select YES, we may pay the overdraft transaction at our discretion based on your account history, the

deposits you make and the transaction amount. Standard Overdraft Practice fees apply

Chase Debit Card Coverage is not available for Chase High School Checking.

Regardless of your Debit Card Coverage decision, if you are enrolled in Overdraft Protection and you have

enough money in your linked Overdraft Protection backup account, your transaction will be approved and a

transfer will be made.

What it pays:

•

Everyday debit card transactions ONLY

What it costs:

•

If Paid: $34 Insufficient Funds Fee per item if your account balance at the end of the business day is overdrawn

by more than $50 (maximum of 3 fees per day, for a total of $102)

– This fee is not charged if your account balance is overdrawn by $50 or less at the end of the business day

– This fee is not charged for items that are $5 or less, even if your account balance is overdrawn by more than

$50 at the end of the business day

•

If Declined: You will NOT be charged a fee

Page 15 of 18

Effective 8/8/2021

Learn how your transactions will work:

EVERYDAY DEBIT CARD PURCHASES

(Not recurring)

STEP

Is there enough money available in your checking account?

YES

Transaction Approved

Proceed to Step 2

STEP

OVERDRAFT PROTECTION

Is enough money available in your checking account plus your linked Overdraft Protection

backup account?

YES

Transaction Approved

The exact amount needed to cover the

transaction will be transferred.

NO (or you do NOT have a backup account)

Proceed to Step 3

STEP

CHASE DEBIT CARD COVERAGE

Did you opt in to Chase Debit Card Coverage?

NO (DEFAULT CHOICE)

Transaction Declined

Transaction does NOT go through and you are

NOT charged a fee.

YES, you opted in

Transaction Approved or Declined

We may approve your transaction at our discretion based

on your account history, the deposits you make and the

transaction amount. If approved, you will be charged a $34

Insufficient Funds Fee per item (max 3 fees per day, for a

total of $102).

If declined, transaction does NOT go through and you are

NOT charged a fee.

CHECKS, AUTOMATIC PAYMENTS OR RECURRING DEBIT CARD PURCHASES

STEP

Is there enough money available in your checking account?

YES

Transaction Approved

Proceed to Step 2

STEP

OVERDRAFT PROTECTION

Is enough money available in your checking account plus your linked Overdraft Protection

backup account?

YES

Transaction Approved

The exact amount needed to cover the

transaction will be transferred.

NO (or you do NOT have a backup account)

Proceed to Step 3

STEP

STANDARD OVERDRAFT PRACTICE NOW APPLIES

Transaction approved or returned/declined at our discretion based on your account history, the

deposits you make and the transaction amount.

APPROVED

If approved, you will be charged a $34

Insufficient Funds Fee per item (max 3 fees

per day, for a total of $102).

RETURNED/DECLINED

If a transaction is returned unpaid or declined, you are NOT

charged a fee.

1 Everyday debit card purchases are one-time purchases or payments, such as groceries, gasoline or dining out.

2 Recurring debit card purchases include transactions such as movie subscriptions or gym memberships.

Page 16 of 18

Effective 8/8/2021

Conrm your choice:

You attempt a transaction without enough money in your checking account

YOUR CHOICE

TODAY

TYPE OF

TRANSACTION

IF YOU HAVE ENOUGH MONEY

IN YOUR LINKED OVERDRAFT

PROTECTION

BACKUP ACCOUNT

IF YOU DO NOT HAVE ENOUGH

MONEY IN YOUR LINKED

OVERDRAFT PROTECTION

BACKUP ACCOUNT

STANDARD

OVERDRAFT

PRACTICE

If both Overdraft Protection and Debit Card Coverage are declined, our Standard Overdraft

Practice will apply.

Check, Automatic

Payment, Recurring

Debit Card

Transaction Approved or Declined at Chase’s discretion $34

Insufficient Funds Fee per item (no linked backup account)

Everyday Debit Card Transaction Declined – NO FEE (no linked backup account)

OVERDRAFT

PROTECTION

Check, Automatic

Payment, Recurring

Debit Card

Transaction Approved and

transfer made – No Overdraft

Protection Transfer Fee

Transaction Approved or

Declined at Chase’s discretion

$34 Insufficient Funds Fee per

item

Everyday Debit Card

Transaction Approved and

transfer made – No Overdraft

Protection Transfer Fee

Transaction Declined – NO FEE

DEBIT CARD

COVERAGE

Check, Automatic

Payment, Recurring

Debit Card

Transaction Approved or Declined at Chase’s discretion $34

Insufficient Funds Fee per item (no linked backup account)

Everyday Debit Card

Transaction Approved or Declined at Chase’s discretion $34

Insufficient Funds Fee per item (no linked backup account)

OVERDRAFT

PROTECTION

AND

DEBIT CARD

COVERAGE

Check, Automatic

Payment, Recurring

Debit Card

Transaction Approved and

transfer made – No Overdraft

Protection Transfer Fee

Transaction Approved or

Declined at Chase’s discretion

$34 Insufficient Funds Fee per

item

Everyday Debit Card

Transaction Approved and

transfer made – No Overdraft

Protection Transfer Fee

Transaction Approved or Declined

at Chase’s discretion $34

Insufficient Funds Fee per item

You can avoid overdrawing your account by making a deposit or transferring funds to cover the

overdraft before the business day ends. If you deposit a check, this assumes we do not place a

hold and the check is not returned. Here are the cutoff times for some ways of making a deposit or

transferring funds from another Chase account:

• At a branch before it closes

• At an ATM before 11 p.m. Eastern Time (8 p.m. Pacific Time)

•

When transferring money on chase.com or Chase Mobile or using Zelle before 11 p.m. Eastern

Time (8 p.m. Pacific Time)

Additional cutoff times apply to other transfers, including transfers from non-Chase accounts.

Please visit chase.com or Chase Mobile for more information and service agreements.

JPMorgan Chase Bank, N.A. Member FDIC

Page 17 of 18

Disclosures for New Account Inquiries

The information is a part of our Deposit Account Agreement.

However, these disclosures are not our complete deposit

contract. If you open an account, or upon request, we will

provide our Deposit Account Agreement, which contains the

complete deposit contract.

Interest on Checking and Savings Accounts: When you

open a checking or savings account that pays interest, we will

provide you a rate sheet stating the current interest rate and

Annual Percentage Yield for your account. The rate sheet is

considered a part of this agreement.

Your account has a variable interest rate. That means we may

change the interest rate and Annual Percentage Yield as

often as we choose, without limits and without notice. Interest

begins to accrue on the business day we receive credit for your

deposit. For cash, wire transfers and electronic direct deposits,

interest begins to accrue on the business day of your deposit.

We use the daily balance method for calculating interest.

This method applies a daily periodic rate to the balance in

your account each day, which may be based on your present

balance or collected balance as explained in the product

information for your account. The collected balance is the

balance of all deposits in your account on which we have

received credit for the deposited funds (determined by the

availability schedule of our Federal Reserve Bank for checks

and similar items). We reserve the right not to pay interest on

any deposited item that is returned to us unpaid.

Interest is credited and compounded monthly. However,

Retirement Money Market accounts with interest distributions

will not compound, and interest will be credited on the

distribution date. Unless otherwise stated in your product

disclosure, interest is computed on a 365-day basis. We pay

interest only in whole cents. Therefore, at the end of each

interest payment period (usually monthly), any fractional

amount of interest less than half of one cent will be rounded

down and any fractional amount of interest equal to half of

one cent or more will be rounded up to the next whole cent.

Savings Account Withdrawals: In this agreement, a

savings account means an account, including a money

market account (and excluding NOW accounts), for which we

reserve the right to require seven days’ prior written notice

to withdrawal. See the section Our right to require advance

notice of withdrawals. During any monthly statement period,

you may make transfers and withdrawals, regardless of the

number of transfers and withdrawals or the way in which

transfers and withdrawals are made. If you make more than

six withdrawals or transfers per monthly statement period, you

will incur a fee, see the Savings Withdrawal Limit Fee section.

CDs: A certificate of deposit, or CD, is a deposit account with

us for a specified period of time. This disclosure covers both

retirement and non-retirement CD products. By opening your

CD, you agree to keep the amount deposited (principal) on

deposit. Here are a few things you should know about CDs:

•

Term: The term is the number of days, months or years you

agree to leave your money in the account.

•

Maturity date and grace period: The maturity date is the

last day of your CD’s term. The grace period is the 10 days

after the maturity date for CDs with a term of 14 days or

longer. On the maturity date or during the grace period you

can change the term of your CD, make additional deposits

(for non-retirement CDs only), or withdraw your CD principal

without paying an early withdrawal penalty.

•

CD ladders: Chase may offer a CD ladder, which is a group

of four CDs opened at the same time for the same amount

but with different terms. When each CD matures, its term will

change to the longest term of the original group. For example,

in a 12-month ladder, we will open four CDs with original

terms of 3, 6, 9 and 12 months. When each CD matures, its

new term will be 12 months. The result will be four 12-month

CDs with a CD maturing every three months.

•

Automatically renewable CD: An automatically renewable

CD will renew on the maturity date for the same term

unless 1) you have a different renewal term as part of a CD

ladder; 2) you change or close the account or 3) we notify

you otherwise. Once your CD renews, any reference to the

maturity date means the last day of the new term. For the

renewal term, your CD will earn interest for the term and

amount at the CD standard rate unless you qualify for the CD

relationship rate. If your CD is closed during the grace period,

it will not earn interest on or after the maturity date.

•

Single maturity CD: A single maturity CD will not

automatically renew on the maturity date and won’t earn or be

paid interest on or after that date.

•

Interest: We use the daily balance method to calculate

interest on your CD. This method applies a periodic rate

each day to your balance. Interest begins to accrue on the

business day of your deposit. Interest for CDs is calculated on

a 365-day basis, although some business CDs may calculate

interest on a 360-day basis. The Annual Percentage Yield

(APY) disclosed on your deposit receipt or on the maturity

notice assumes interest will remain on deposit until maturity.

On maturities of more than one year, interest will be paid at

least annually. You may withdraw any paid or credited interest

without penalty during your CD’s term or at maturity. On the

maturity date, interest will become principal of the renewed

CD. A withdrawal will reduce earnings.

•

Early withdrawal penalties: There is a penalty for

withdrawing principal prior to the maturity date. Refer to

the CD section in the Product Information.

Waiving early withdrawal penalties for Personal CDs:

We will waive early withdrawal penalties under the

circumstances described below, unless these withdrawals

occur less than seven days after the account was opened or a

previous withdrawal was made.

For non-retirement CDs:

•

Death of a CD owner or a grantor of a revocable

family/living trust;

•

Disability of a CD owner;

•

A court’s determination that a CD owner is

incompetent; and

•

Re-titling of a CD to transfer ownership of funds into

a living trust without moving funds from the bank and

where no change in term or rate occurs.

JPMorgan Chase Bank, N.A. Member FDIC

Page 18 of 18

Disclosures for New Account Inquiries

For retirement CDs:

•

If the retirement CD owner is withdrawing an excess

annual retirement contribution amount and any

corresponding earnings.

We will also waive early withdrawal penalties for

retirement CDs under the circumstances described

below, regardless of when the early withdrawal is made

in relation to the CD opening or a previous withdrawal.

•

Death or disability of a retirement CD owner;

•

A court’s determination that a retirement CD owner is

incompetent; and

•

If the retirement CD owner is age 59½ or older and

the funds are taken as an IRS-reportable distribution via

cash, check, or deposit or transfer to a non-retirement

account. This waiver does not apply if the transfer is to a

retirement account at another financial institution.

Overdraft and Overdraft Fee Information for Your Chase Checking Account

What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We pay

overdrafts at our discretion, which means we do not guarantee that we will always authorize or pay any type of transaction. If

we do not authorize and pay an overdraft, your transaction will be declined or returned. We can cover your overdrafts in three

different ways:

1. We have Standard Overdraft Practices that come with your account.

2. We offer Overdraft Protection through a link to a Chase savings account, which may be less expensive than our Standard

Overdraft Practices. You can contact us to learn more.

3. We also offer Chase Debit Card Coverage, which allows you to choose how we treat your everyday debit card transactions,

in addition to our Standard Overdraft Practices.

This notice explains our Standard Overdraft Practice and Chase Debit Card Coverage.

•

What are the Standard Overdraft Practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

•

Checks and other transactions made using your checking account number

•

Recurring debit card transactions

•

What is Chase Debit Card Coverage?

We will only authorize and pay overdrafts in addition to our Standard Overdraft Practice for the following types of

transactions if you specifically ask us to:

•

Everyday debit card transactions

•

What fees will I be charged if Chase pays my overdraft?

If we pay an item, we’ll charge you a $34 Insufficient Funds Fee per item if your account balance is overdrawn by more

than $50 at the end of the business day (maximum of 3 fees per day, for a total of $102).

•

We won’t charge an Insufficient Funds Fee if your account balance is overdrawn by $50 or less at the end of the

business day.

•

We won’t charge for item(s) that are $5 or less, even if your account balance is overdrawn by more than $50 at the end

of the business day.

•

We won’t charge an Insufficient Funds Fee if your available balance was sufficient at the time your debit card

transaction was authorized, even if your account balance is overdrawn at the time the transaction is presented for

payment.

•

For Chase Sapphire

Checking and Chase Private Client Checking

accounts, there are no Insufficient Funds Fees

when item(s) are presented against an account with insufficient funds on the first four business days during the current

and prior 12 statement periods. On a business day when we returned item(s), this counts toward the four business days

when an Insufficient Funds Fee will not be charged.

•

What if I want Chase to authorize and pay overdrafts on my everyday debit card transactions?

If you or a joint account owner would like to change your selection, sign in to chase.com to update your account settings, or

call us at 1-800-935-9935 (or collect at 1-713-262-1679 if outside the U.S.), or visit a Chase branch. We accept operator

relay calls.

JPMorgan Chase Bank, N.A. Member FDIC

Page 1 of 1

Effective 8/8/2021