PERSONAL CHECKING ACCOUNTS - Chase

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Additional Banking Services and Fees for Personal AccountsDeposit Account AgreementThis document is part of the Deposit Account Agreement and has five sections that provide additional information about ourproducts and services.1. Product Information2. Fee Schedule3. Card Purchase and Withdrawal Limits4. Chase Overdraft Services5. Disclosures for New Account InquiriesDeposit Account Agreement – Product InformationPERSONAL CHECKING ACCOUNTSChase Secure Checking SMMonthly Service Fee 4.95Interest Does not earn interestNo Chase fee for:Benefits Money Orders and Cashier’s ChecksServices Not Available–– Chase Overdraft Services–– Check writing–– Wire transfers (incoming or outgoing)–– Opening a Safe Deposit BoxPERSONAL CHECKING ACCOUNTSChase Total Checking Monthly Service Fee 12 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 providersHow to Avoid the Monthlyor 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 networkService Fee During EachMonthly Statement Period –– OR, a balance at the beginning of each day of 1,500 or more in this account–– OR, an average beginning day balance of 5,000 or more in any combination of this account andlinked qualifying deposits/investmentsQualifying personal deposits include Chase First CheckingSM accounts, personal Chase savingsQualifying Deposits accounts (excluding Chase Premier SavingsSM and Chase Private Client SavingsSM), CDs, certain ChaseRetirement CDs, or certain Chase Retirement Money Market AccountsQualifying InvestmentsQualifying personal investments include balances in investment and annuity products offeredthrough JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use dailybalances 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 mostcurrent balance reported. Balances in 529 plans and certain retirement plan investment accounts donot qualify. Investment products and related services are only available in English.Investment products and services are offered through J.P. Morgan Securities LLC (JPMS), a registeredbroker-dealer and investment advisor, member of FINRA and SIPC. Annuities are made available throughChase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase InsuranceAgency Services, Inc. in Florida. JPMS, CIA and JPMorgan Chase Bank, N.A. are affiliated companiesunder the common control of JPMorgan Chase & 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 Does not earn interestCheck Return Options Check SafekeepingNOTE: 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 1 of 18Effective 2/7/2021

Deposit Account Agreement – Product InformationPERSONAL CHECKING ACCOUNTSChase Premier Plus Checking SMMonthly Service Fee 25Chase SapphireSM Checking 25 0 Monthly Service Fee when you have anyHow to Avoid the MonthlyService Fee During EachMonthly Statement PeriodONE of the following:–– An average beginning day balance of 15,000or more in any combination of this account andlinked qualifying deposits/investments–– OR, have a linked qualifying Chase firstmortgage enrolled in automatic payments fromyour Chase account 1 0 Monthly Service Fee when you havean average beginning day balance of 75,000or more in any combination of this accountand linked qualifying deposits/investmentsMilitary Banking: 0 Monthly Service Feefor current or prior members of our nation’smilitary with qualifying military IDQualifying DepositsQualifying InvestmentsQualifying personal deposits include Chase FirstChecking accounts, up to two other personalChase checking accounts (excluding ChaseSapphire Checking and Chase Private ClientCheckingSM), personal Chase savings accounts(excluding Chase Private Client Savings), CDs,certain Chase Retirement CDs, or certain ChaseRetirement Money Market AccountsQualifying personal deposits include Chase FirstChecking accounts, up to nine other personalChase checking accounts (excluding ChasePrivate Client Checking), personal Chase savingsaccounts (excluding Chase Private Client Savings),CDs, certain Chase Retirement CDs, or certainChase Retirement Money Market AccountsQualifying personal investments include balances in investment and annuity products offeredthrough JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use dailybalances 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 mostcurrent balance reported. Balances in 529 plans and certain retirement plan investment accounts donot qualify. Investment products and related services are only available in English.Investment products and services are offered through J.P. Morgan Securities LLC (JPMS), a registeredbroker-dealer and investment advisor, member of FINRA and SIPC. Annuities are made available throughChase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase InsuranceAgency Services, Inc. in Florida. JPMS, CIA and JPMorgan Chase Bank, N.A. are affiliated companiesunder the common control of JPMorgan Chase & 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.1 Your qualifying mortgage must be linked and enrolled in automatic payments on the business day before the end of yourstatement period. Automatic payments are when you authorize Chase to automatically deduct payment each month from yourChase account. Payments you set up through Online Bill Pay will not be included. Qualifying mortgage accounts include Chasefirst mortgage accounts (with servicing retained by Chase) that are in good standing.JPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 2 of 18Effective 2/7/2021

Deposit Account Agreement – Product InformationPERSONAL CHECKING ACCOUNTSAdditional BenefitsChase Premier Plus Checking SMChase SapphireSM CheckingNo Chase fee for: The first four Non-Chase ATM transactionseach statement period. A Foreign ExchangeRate Adjustment Fee will apply for ATMwithdrawals in a currency other than U.S.dollars Chase design checks or a 50% discount onother personal style checks when orderedthrough Chase. Fees may apply for certainother supplies and expedited shipping options Counter Check, Money Order and Cashier’sCheck Annual rent for a 3” x 5” Safe Deposit Box orsmaller (20% discount on larger sizes); sizesare subject to availability and boxes may notbe offered in all branchesNo Chase fee for: ATM use worldwide, including:–– Non-Chase ATM transactions–– Refund of ATM fees charged to you atnon-Chase ATMs2–– Foreign Exchange Rate Adjustment Debit card Foreign Exchange Rate Adjustment Non-ATM Cash transactions Card Replacement – Rush Request Insufficient Funds and Returned Items—ifitem(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 Stop payments Deposited Item Returned or Cashed CheckReturned Incoming or outgoing wire transfers1 Statement Copy 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); sizesare subject to availability and boxes may notbe offered in all branchesNo Monthly Service Fee on these accountswhen linked: Up to two additional personal Chase checkingaccounts (excluding Chase Sapphire Checkingand Chase Private Client Checking) Chase personal savings account(s) (excludingChase Private Client Savings)Enhanced benefits for active duty andreserve military servicemembers of the AirForce, Army, Coast Guard, Marines, Navy, andNational GuardThese additional benefits require direct depositof military base pay (does not include allotments).These benefits will begin the next business dayafter military base pay is direct deposited into aChase Premier Plus Checking account and willend if no such direct deposit has been madewithin the last 180 days.No Monthly Service Fee on these accountswhen linked: Up to nine additional personal Chase checkingaccounts (excluding Chase Private ClientChecking) Chase personal savings account(s) (excludingChase Private Client Savings) Chase Total Business Checking accountNo Chase fee for: Non-Chase ATM transactions Foreign Exchange Rate Adjustment Incoming or outgoing 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 willreduce the proceeds credited to your account. Any deductions taken by us 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 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.JPMorgan Chase Bank, N.A. Member FDIC 2021 JPMorgan Chase & Co.Page 3 of 18Effective 2/7/2021

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 CheckingQualifying DepositsaccountQualifying 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 personal investments include balances in investment and annuity products offered throughJPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances tocalculate the average beginning day balance for such investment and annuity products. Some thirdparty providers report balances on a weekly, not daily, basis and we will use the most current balancereported. Balances in 529 plans and certain retirement plan investment accounts do not qualify.Investment products and related services are only available in English.Investment products and services are offered through J.P. Morgan Securities LLC (JPMS), a registeredQualifying Investments broker-dealer and investment advisor, member of FINRA and SIPC. Annuities are made available throughChase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase InsuranceAgency Services, Inc. in Florida. JPMS, CIA and JPMorgan Chase Bank, N.A. are affiliated companiesunder the common control of JPMorgan Chase & 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 2/7/2021

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 Statement Copy 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); sizesare subject to availability and boxes may notbe offered in all branchesNo 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 2/7/2021

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–– Chase QuickPay with 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 2/7/2021

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

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.

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