PERSONAL CHECKING ACCOUNTS - Credit Card, Mortgage .

Deposit Account Agreement – Product InformationPERSONAL CHECKING ACCOUNTSChase Private Client Checking SMMonthly Service Fee 35 0 Monthly Service Fee when you have any ONE of the following:How to Avoid the Monthlyn average beginning day balance of 150,000 or more in any combination of this account andService Fee During Each –– Alinked qualifying deposits/investmentsMonthly Statement PeriodSM–– OR, a linked Chase Platinum Business CheckingaccountQualifying DepositsQualifying personal deposits include up to nine Chase Private Client Checking accounts, ChaseHigh School CheckingSM accounts, Chase First CheckingSM accounts, personal Chase savingsaccounts (excluding Chase Premier SavingsSM), CDs, certain Chase Retirement CDs, or certain ChaseRetirement Money Market accounts.Qualifying InvestmentsQualifying personal investments include balances in investment and annuity products offered throughJPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balancesto calculate the average beginning day balance for such investment and annuity products. Somethird party providers report balances on a weekly, not daily, basis and we will use the most currentbalance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investmentaccounts do not qualify. Investment products and related services are only available in English.J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investmentproducts and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer andinvestment advisor, member FINRA and SIPC. Annuities are made available through Chase InsuranceAgency, 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 JPMorganChase & Co. Products not available in all states.INVESTMENT AND INSURANCE PRODUCTS: NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENTAGENCY NO BANK GUARANTEE MAY LOSE VALUEInterest Earns Interest – Variable; based on daily collected balanceCheck Return Options Check Safekeeping, Image Statement and Enclosure StatementContinued On Next PageNOTE: 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 product and service offering.Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services areoffered by JPMorgan Chase Bank, N.A. Member FDIC.JPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 4 of 18Effective 4/18/2021

Deposit Account Agreement – Product InformationPERSONAL CHECKING ACCOUNTSChase Private Client Checking SMAdditional BenefitsNo Chase fee for: ATM use worldwide, including:–– Non-Chase ATM transactions–– Refund of ATM fees charged to you atnon-Chase ATMs1–– Foreign Exchange Rate Adjustment Debit card Foreign Exchange Rate Adjustment Non-ATM Cash transactions Card Replacement – Rush Request Insufficient Funds and Returned Items—if item(s) are presented or withdrawal request(s)are made against an account with insufficientfunds on four or fewer business days duringthe current and prior 12 statement periods Incoming or outgoing wire transfers2 Stop Payment Deposited Item Returned or Cashed CheckReturned Personal style checks when ordered throughChase. Fees may apply for certain othersupplies and expedited shipping options Counter Check, Money Order and Cashier’sCheck Legal Processing Annual rent for a 3” x 5” Safe Deposit Box orsmaller (20% discount on larger sizes)No Monthly Service Fee on these accountswhen linked: Up to nine additional Chase Private ClientChecking accounts Chase savings accounts (excluding ChasePremier Savings) Chase Total Business Checking account Chase Business Complete CheckingSMaccount Lower balance requirement to waive theMonthly Service Fee on a linked ChasePlatinum Business CheckingSM accountNOTE: 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 theinformation 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, foreigncurrency commissions and fees included in the exchange rate charged by third parties are excluded from Chase reimbursements.2 Other financial institutions and Chase may deduct fees and/or charges from the amount of the incoming wires, which will reduce theproceeds credited to your account. Any deductions taken by us may include processing fees charged by Chase.JPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 5 of 18Effective 4/18/2021

Deposit Account Agreement – Product InformationPERSONAL CHECKING ACCOUNTSChase First Checking SMFor 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 ataccount opening: a Chase Secure Checking, Chase Total Checking, Chase Premier Plus Checking, Chase Sapphire Checking,Chase Better Banking Checking, Chase Premier CheckingSM, Chase CheckingSM 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 NoneAge Requirements You can open an account for your child who is 6–17 years oldMaximum Number of Up to five Chase First Checking accounts per parent/guardianAccounts AllowedDeposit funds through a transfer from any of your checking accounts to this account using chase.com orOnly Way to Deposit Funds Chase Mobile –– At an ATMOnly Ways to Withdraw –– At merchants for purchases with a debit card (no cash back with PIN transactions), including online purchases R, the parent/guardian can transfer funds back to any of their checking accounts using chase.comFunds –– OFeatures/Online CategoriesAdditional Informationor Chase MobileThese 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 atspecific 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 yourchild 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. Forexample, setting allowance and chores–– 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 theChase First Checking account will close after two statement periodsInterest Does not earn interestServices Not Available–– Zelle –– Chase QuickDepositSM–– Chase Overdraft Services–– Check writing and check deposits–– Wire transfers (incoming or outgoing)–– ACH transactions (deposits and withdrawals)Non-Chase ATM(Avoid these fees by using a Chase ATM)Chase First Checking –Only Fees That ApplyForeign Exchange Rate Adjustment: You makecard purchases or ATM withdrawals in a currencyother than U.S. dollars–– We prohibit certain transaction types. Thisincludes, but is not limited to: Purchasing official checks and othermonetary instruments Withdrawing cash from a banker at abranch or merchants Paying for rentals (e.g. cars, equipment,furniture) Funding gambling related activities 2.50 for any inquiries, transfers or withdrawalswhile using a non-Chase ATM in the U.S., PuertoRico and the U.S. Virgin Islands. Fees from the ATMowner/network still apply 5 per withdrawal and 2.50 for any transfers orinquiries at ATMs outside the U.S., Puerto Rico andthe U.S. Virgin Islands. Fees from the ATM owner/network still apply3% of withdrawal amount after conversion to U.S.dollars. For additional information on exchangerates, refer to the Deposit Account AgreementCard Replacement – Rush Request: You requestexpress shipping of a replacement debit card (Avoid 5 per card, upon requestthis fee by requesting standard shipping)JPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 6 of 18Effective 4/18/2021

Deposit Account Agreement – Product InformationPERSONAL CHECKING ACCOUNTSChase High School Checking SMWho is EligibleFor students 13–17 years old at account openingwith their parent/guardian as a co-owner and theaccount must be linked to the parent/guardian’spersonal checking account. Linked accountsexclude Chase High School Checking, ChaseCollege Checking, Chase Secure Checking, andChase First CheckingWhen the student turns 19, the Chase HighSchool Checking account will become a ChaseTotal Checking accountMonthly Service Fee NoneChase College Checking SMFor college students 17–24 years old at accountopening, when proof of student status is provided 6 0 Monthly Service Fee when you have anyHow to Avoid the MonthlyService Fee During Each Does not applyMonthly Statement PeriodONE of the following:–– Up to five years while in college–– OR, an electronic deposit made into this account,such as a payment from payroll providers orgovernment benefit providers, by using (i) the ACHnetwork, (ii) the Real Time Payment network, or (iii)third party services that facilitate payments to yourdebit card using the Visa or Mastercard network–– OR, an average ending day balance of 5,000or more in this accountCheck Return Options Check SafekeepingAdditional Benefits Does not apply–– Standard Overdraft PracticeServices Not Available –– Chase Debit Card CoverageSMNo Monthly Service Fee on a Chase SavingsSMaccount linked to this account for Overdraft ProtectionDoes not applyCERTIFICATE OF DEPOSIT ACCOUNTSChase Certificate of Deposit SMMinimum Deposit to Open 1,000FixedInterest Earn CD relationship rates on your CDs when linked to a Chase personal checking accountWithdrawal PenaltiesThere 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 theamount 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 180days of interest on the amount withdrawn, but not more than the total amount of interest earnedduring the current term of the CD–– For terms 24 months or more, the early withdrawal penalty is 365 days of interest on the amountwithdrawn, 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 withdrawalof principal, the early withdrawal penalty will be calculated as described above, but it cannot be lessthan seven days’ interest–– The amount of your penalty will be deducted from principalBalance information for linked CDs appears on the monthly checking account statement. CDs do notStatement Period receive separate statementsNOTE: 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 2021 JPMorgan Chase & Co.Page 7 of 18Effective 4/18/2021

Deposit Account Agreement – Product InformationPERSONAL SAVINGS ACCOUNTSChase SavingsSMMonthly Service Fee 5How to Avoid the MonthlyService Fee During EachMonthly Statement Period 25 0 Monthly Service Fee when you have anyONE of the following:–– A balance at the beginning of each day of 300 or more in this account–– OR, 25 or more in total Autosave or otherrepeating automatic transfers from yourpersonal Chase checking account (availableonly through chase.com or Chase Mobile)–– OR, a Chase College Checking account linkedto this account for Overdraft Protection–– OR, an account owner who is an individualyounger than 18–– OR, a linked Chase Better Banking Checking,Chase Premier Checking, Chase Premier PlusChecking, Chase Sapphire Checking, or ChasePrivate Client Checking account 0 Monthly Service Fee when you have anyVariable; based on daily collected balanceVariable; based on daily collected balanceEarn Premier relationship rates when you:–– Link the account to a Chase Premier PlusChecking or Chase Sapphire Checkingaccount, and–– Make at least five customer-initiatedtransactions in a monthly statement periodusing your linked checking accountThe Premier relationship rates will be appliedto your savings accounts throughout the nextstatement period 5 Savings Withdrawal Limit Fee, which is aChase fee, applies for each withdrawal or transferout of a Chase savings account over six permonthly statement period. All withdrawals andtransfers out of your personal savings accountcount toward this fee, including those made at abranch or at an ATM 5 Savings Withdrawal Limit Fee, which is aChase fee, applies for each withdrawal or transferout of a Chase savings account over six permonthly statement period. All withdrawals andtransfers out of your personal savings accountcount toward this fee, including those made at abranch or at an ATMWaived with: A balance of 15,000 or more in thisaccount at the time of withdrawal or transfer outInterestSavings WithdrawalLimit FeeChase Premier SavingsSMAdditional Benefits Does not applyONE of the following:–– A balance at the beginning of each day of 15,000 or more in this account–– OR, a linked Chase Premier Plus Checking orChase Sapphire Checking accountNo Chase fee for: Non-Chase ATM transactions. A ForeignExchange Rate Adjustment Fee will apply forATM withdrawals in a currency other than U.S.dollars Incoming wire transfers1NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your account.1 Other financial institutions and Chase may deduct fees and/or charges from the amount of the incoming wires, which will reducethe proceeds credited to your account. Any deductions taken by us may include processing fees charged by Chase.JPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 8 of 18Effective 4/18/2021

Deposit Account Agreement – Product InformationPERSONAL SAVINGS ACCOUNTSChase Private Client Savings SMTo open a Chase Private Client SavingsSM account, you will be required to have a Chase Private Client Checking account.Monthly Service Fee NoneVariable; based on daily collected balanceInterestAdditional BenefitsEarn 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 thenext statement period.No Chase fee for: ATM use worldwide, including:–– Non-Chase ATM transactions–– Refund of ATM fees charged to you at non-Chase ATMs1–– Foreign Exchange Rate Adjustment Card Replacement – Rush Request Incoming or outgoing wire transfers2 Stop Payment Deposited Item Returned or Cashed Check Returned Money Order and Cashier’s Check Legal ProcessingNOTE: 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 product and service offering.Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services areoffered by JPMorgan Chase Bank, N.A. Member FDIC.1 This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify thesefees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refundis not processed, please contact us. If you choose to convert an international transaction to U.S. dollars at either an ATM or ona purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded fromChase reimbursements.2 Other financial institutions and Chase may deduct fees and/or charges from the amount of the incoming wires, which willreduce the proceeds credited to your account. Any deductions taken by us may include processing fees charged by Chase.JPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 9 of 18Effective 4/18/2021

Deposit Account Agreement – Fee ScheduleNon-Chase ATM(Avoid these fees by using a Chase ATM)ATM Fees andDebit Card FeesOverdraft FeesForeign Exchange Rate Adjustment:You make card purchases, non-ATM cashtransactions or ATM withdrawals in a currencyother than U.S. dollars 2.50 for any inquiries, transfers or withdrawals whileusing a non-Chase ATM in the U.S., Puerto Rico andthe U.S. Virgin Islands. Fees from the ATM owner/network still apply 5 per withdrawal and 2.50 for any transfers orinquiries at ATMs outside the U.S., Puerto Rico and theU.S. Virgin Islands. Fees from the ATM owner/networkstill apply3% of withdrawal amount after conversion to U.S.dollars. For additional information on exchange rates,refer to the Deposit Account AgreementNon-ATM Cash: You use your Chase DebitCard to withdraw cash from a teller at a bankthat is not Chase3% of the dollar amount of the transaction OR 5, whichever is greaterCard Replacement – Rush Request: Yourequest express shipping of a replacementdebit or ATM card (Avoid this fee byrequesting standard shipping) 5 per card, upon requestInsufficient Funds: Chase pays an itemwhen your account does not have enoughmoneyReturned Item: Chase returns an itempresented for payment when your accountdoes not have enough money 34 fee for each item (maximum of 3 Overdraft Feesper day, for a total of 102). We will not charge an Insufficient Funds Fee if youraccount balance at the end of the business day isoverdrawn by 5 or less We will not charge these fees for any item that is 5 or less, even if your account balance at the endof the business day is overdrawn We will not charge an Insufficient Funds Fee ona debit card transaction if your available balancewas sufficient at the time it was authorized, even ifyour account balance is overdrawn at the time thetransaction is presented for payment The same check or ACH item submitted multipletimes by a merchant may result in both a ReturnedItem Fee and an Insufficient Funds Fee. If we returnone of these items, we will only charge you oneReturned Item Fee for that item within a 30-dayperiod Insufficient Funds Fees do not apply to withdrawalsmade at an ATMYou can avoid overdrawing your account by making a deposit or transferring funds to

Card Purchase and Withdrawal Limits 4. Chase Overdraft Services 5. Disclosures for New Account Inquiries . Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common . Chase design checks or a 50% discount on other personal style checks when ordered through Chase