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JPMorgan Chase — Digital Services Agreement

Old 2026-09-26 08:19 UTC

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New 2026-10-17 08:22 UTC

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	Snapshot 2026-09-26 08:19 UTC			Snapshot 2026-10-17 08:22 UTC
f	1	Digital Services Agreement	f	1	Digital Services Agreement
n	2	Artificial Intelligence Features:	n	2	We’re making key changes:
	3	A new section, “Artificial Intelligence Features,” has been added to this Digita		3	Effective as of January 1, 2027:
	>	l Services
	4	Agreement. This section describes your use of Digital Platform products and serv		4	Section 9 – Login Credentials and Other Sensitive Information – has been updated
	>	ices that use		>	to
	5	artificial intelligence (“AI”) and sets out important information about your res		5	incorporate that we may require you to (i) download and use our mobile applicati
	>	ponsibilities, the		>	on, and (ii)
	6	limitations of AI services, and how to report errors.		6	use a Trusted Device, as defined in this agreement to verify your identity. Unti
				>	l you do, we
				7	may deny access to our Digital Platforms, the Services, and your accounts, unles
				>	s an
				8	accommodation is required by law.
	7	Last updated: June 2026		9	Last updated: October 2026
	8	This agreement, which is comprised of the “General Terms and Conditions” below a		10	This agreement, which is comprised of the “General Terms and Conditions” below a
	>	nd the		>	nd the
	9	Addenda that follow (collectively the “Agreement”) with J.P. Morgan Chase is ava		11	Addenda that follow (collectively the “Agreement”) with J.P. Morgan Chase is ava
	>	ilable in		>	ilable in
	10	Spanish as a courtesy. If there is any difference in meaning between the Spanish		12	Spanish as a courtesy. If there is any difference in meaning between the Spanish
	>	and English		>	and English
	17	website or mobile application that you are accessing.		19	website or mobile application that you are accessing.
	18	This Agreement is between you and us and governs your use, access, and managemen		20	This Agreement is between you and us and governs your use, access, and managemen
	>	t of J.P.		>	t of J.P.
	19	Morgan Chase’s digital platforms, including Chase Online, Chase Mobile®, Chase B		21	Morgan Chase’s digital platforms, including Chase Online, Chase Mobile®, Chase B
	>	usiness		>	usiness
n	20	Online, Chase Point of Sale (POS)sm, J.P. Morgan Online, and J.P. Morgan Mobile	n	22	Online, Chase Point of Sale (POS)SM, J.P. Morgan Online, and J.P. Morgan Mobile
	>	(collectively, the		>	(collectively, the
	21	"Digital Platforms"). This Agreement also governs your use of the products, serv		23	"Digital Platforms"). This Agreement also governs your use of the products, serv
	>	ices		>	ices
	22	(including Online Services and Mobile Services), and software made available to		24	(including Online Services and Mobile Services), and software made available to
	>	you on the		>	you on the
	23	Digital Platforms and certain third-party digital platforms, as determined by us		25	Digital Platforms and certain third-party digital platforms, as determined by us
	>	from time to		>	from time to
	30	terms specific to each Service set forth in the Addenda, the Services will not b		32	terms specific to each Service set forth in the Addenda, the Services will not b
	>	e activated until		>	e activated until
	31	you take the necessary steps to do so through one of the Digital Platforms. Any		33	you take the necessary steps to do so through one of the Digital Platforms. Any
	>	Service you		>	Service you
	32	have already activated will remain active after acceptance of this Agreement.		34	have already activated will remain active after acceptance of this Agreement.
n			n	35
	33	This Agreement contains an arbitration provision that covers most disputes betwe		36	This Agreement contains an arbitration provision that covers most disputes betwe
	>	en you and		>	en you and
	34	us regarding this Agreement. Please read the arbitration provision set forth in		37	us regarding this Agreement. Please read the arbitration provision set forth in
	>	Section 13 of		>	Section 13 of
	35	the General Terms and Conditions as it affects your rights under this Agreement.		38	the General Terms and Conditions as it affects your rights under this Agreement.
n	36		n
	37	If you have any questions regarding the Digital Platforms or Services, please ca		39	If you have any questions regarding the Digital Platforms or Services, please ca
	>	ll (877)		>	ll (877)
	38	CHASEPC (877-242-7372).		40	CHASEPC (877-242-7372).
	39	“Investment Account(s)” is defined as including certain non-FDIC insured investm		41	“Investment Account(s)” is defined as including certain non-FDIC insured investm
	>	ent products		>	ent products
	70	22. Links		72	22. Links
	71	23. Right to Audit		73	23. Right to Audit
	72	24. Termination and Suspension; Assignment; Survival		74	24. Termination and Suspension; Assignment; Survival
n			n	75
	73	25. Notice of Claims		76	25. Notice of Claims
	74	26. Waiver; Severability		77	26. Waiver; Severability
	75	27. Entire Agreement		78	27. Entire Agreement
n	76		n
	77	28. Governing Law		79	28. Governing Law
	78	GLOSSARY		80	GLOSSARY
	79	Addendum: Access and Security Manager Online Service		81	Addendum: Access and Security Manager Online Service
	115	Addendum: ACH Payment Services		117	Addendum: ACH Payment Services
	116	1. ACH Payment Services		118	1. ACH Payment Services
	117	2. Fees		119	2. Fees
n			n	120
	118	3. ACH Deliver By Date		121	3. ACH Deliver By Date
	119	4. Duplicate Entries		122	4. Duplicate Entries
	120	5. Notifications		123	5. Notifications
n	121		n
	122	6. ACH Rules		124	6. ACH Rules
	123	7. Processing; Transmittal		125	7. Processing; Transmittal
	124	8. Rejections; Returns		126	8. Rejections; Returns
	160	3. Item Processing		162	3. Item Processing
	161	4. Representations, Warranties, and Covenants of Customer		163	4. Representations, Warranties, and Covenants of Customer
	162	5. Use of Products		164	5. Use of Products
n			n	165
	163	6. Cancellation or Termination of Service		166	6. Cancellation or Termination of Service
	164	Addendum: Fraud Protection Services		167	Addendum: Fraud Protection Services
	165	1. Fraud Protection Services		168	1. Fraud Protection Services
n	166		n
	167	2. Eligibility		169	2. Eligibility
	168	3. Activation		170	3. Activation
	169	4. The Positive Pay Service		171	4. The Positive Pay Service
	205	1. About the Real-Time Payments Service		207	1. About the Real-Time Payments Service
	206	2. Sending Funds		208	2. Sending Funds
	207	3. Risks Associated with the Real-Time Payments Service		209	3. Risks Associated with the Real-Time Payments Service
n			n	210
	208	4. Receiving Payments		211	4. Receiving Payments
	209	5. Fees		212	5. Fees
	210	6. Requests for Payment		213	6. Requests for Payment
n	211		n
	212	7. Failed Service Transfers		214	7. Failed Service Transfers
	213	8. Availability of Funds		215	8. Availability of Funds
	214	9. Prohibited Payments		216	9. Prohibited Payments
	250	3. Statements		252	3. Statements
	251	4. Mobile & Text Services; Consent to Emails and Automated Text Messages		253	4. Mobile & Text Services; Consent to Emails and Automated Text Messages
	252	5. Wireless Operator Data		254	5. Wireless Operator Data
n			n	255
	253	6. Cancellation of Your Service		256	6. Cancellation of Your Service
	254	7. Payment Types and Cutoff Times		257	7. Payment Types and Cutoff Times
	255	8. Receiving Money		258	8. Receiving Money
n	256		n
	257	9. Requesting Money		259	9. Requesting Money
	258	10. Sending Money		260	10. Sending Money
	259	11. Transfer Limits		261	11. Transfer Limits
	289	statements made by one of our employees or by our affiliates’ employees, this Ag		291	statements made by one of our employees or by our affiliates’ employees, this Ag
	>	reement will		>	reement will
	290	govern. When using other services or features available through the Digital Plat		292	govern. When using other services or features available through the Digital Plat
	>	forms but		>	forms but
	291	provided directly by third parties, your use of such services or features will a		293	provided directly by third parties, your use of such services or features will a
	>	lso be governed		>	lso be governed
n			n	294
	292	by the agreements and other terms or conditions with such third parties governin		295	by the agreements and other terms or conditions with such third parties governin
	>	g use of		>	g use of
	293	those services or features.		296	those services or features.
n	294		n
	295	Services described in this Agreement, as well as any associated fees, charges, i		297	Services described in this Agreement, as well as any associated fees, charges, i
	>	nterest rates		>	nterest rates
	296	and balance requirements, may differ among geographic locations. Not all Service		298	and balance requirements, may differ among geographic locations. Not all Service
	>	s are		>	s are
	297	offered at all locations. Therefore, you may not be eligible for all the Service		299	offered at all locations. Therefore, you may not be eligible for all the Service
	>	s described in this		>	s described in this
	323	English version is the official document and will prevail. Please consult with a		325	English version is the official document and will prevail. Please consult with a
	>	translator if you		>	translator if you
	324	have any questions.		326	have any questions.
	325	2. Mobile Services		327	2. Mobile Services
n			n	328
	326	Communications		329	Communications
	327	You agree that we may send you information related to the Mobile Services throug		330	You agree that we may send you information related to the Mobile Services throug
	>	h your		>	h your
n	328		n
	329	Communication Service Provider and that your Communication Service Provider is a		331	Communication Service Provider and that your Communication Service Provider is a
	>	cting as		>	cting as
	330	your agent in this capacity. You agree to provide a valid phone number, email ad		332	your agent in this capacity. You agree to provide a valid phone number, email ad
	>	dress or		>	dress or
	331	other delivery location so that we may send you information related to the Mobil		333	other delivery location so that we may send you information related to the Mobil
	>	e Services,		>	e Services,
	345	your agreements with your mobile device manufacturer or your carrier. You may no		347	your agreements with your mobile device manufacturer or your carrier. You may no
	>	t use a		>	t use a
	346	modified device to use the Digital Platforms or Services if the modification is		348	modified device to use the Digital Platforms or Services if the modification is
	>	contrary to the		>	contrary to the
	347	manufacturer’s software or hardware guidelines, including disabling hardware or		349	manufacturer’s software or hardware guidelines, including disabling hardware or
	>	software		>	software
n	348	controls – sometimes referred to as “jail broken.”	n	350	controls – sometimes referred to as “jailbroken.”
	349	Marketing		351	Marketing
	350	You understand and agree that any marketing or offers that appear on Mobile Serv		352	You understand and agree that any marketing or offers that appear on Mobile Serv
	>	ices are		>	ices are
	351	intended for U.S. customers, are only valid in the U.S., and only valid where al		353	intended for U.S. customers, are only valid in the U.S., and only valid where al
	>	lowed by state		>	lowed by state
	360	functionality.		362	functionality.
	361	Additionally, information available through the Online Services may not be avail		363	Additionally, information available through the Online Services may not be avail
	>	able via the		>	able via the
	362	Mobile Services or may differ from the information available via the Mobile Serv		364	Mobile Services or may differ from the information available via the Mobile Serv
	>	ices. Such		>	ices. Such
n			n	365
	363	information available through the Online Services may also be described using di		366	information available through the Online Services may also be described using di
	>	fferent		>	fferent
	364	terminology (including capitalized terms used in the Agreement or on certain of		367	terminology (including capitalized terms used in the Agreement or on certain of
	>	our Digital		>	our Digital
	365	Platforms), or may be more current than the information available via the Mobile		368	Platforms), or may be more current than the information available via the Mobile
	>	Services.		>	Services.
n	366		n
	367	This includes account balance information, and Transfer and payment information.		369	This includes account balance information, and Transfer and payment information.
	368	The method of entering Instructions via the Mobile Services may also differ from		370	The method of entering Instructions via the Mobile Services may also differ from
	>	the method		>	the method
	369	of entering Instructions directly through the Online Services. Processing of Ins		371	of entering Instructions directly through the Online Services. Processing of Ins
	>	tructions may		>	tructions may
	398	Provider if Alerts are sent via text message. Message and data rates may apply.		400	Provider if Alerts are sent via text message. Message and data rates may apply.
	>	Such		>	Such
	399	charges include those from your Communication Service Provider. To cancel Alerts		401	charges include those from your Communication Service Provider. To cancel Alerts
	>	sent		>	sent
	400	via text message, send STOP to 24273 at any time (J.P. Morgan Online clients onl		402	via text message, send STOP to 24273 at any time (J.P. Morgan Online clients onl
	>	y, send		>	y, send
n			n	403
	401	STOP to 576746). You expressly consent to receipt of a text message to confirm y		404	STOP to 576746). You expressly consent to receipt of a text message to confirm y
	>	our		>	our
	402	“STOP” request. For help or information on Alerts services, text HELP to 24273 (		405	“STOP” request. For help or information on Alerts services, text HELP to 24273 (
	>	J.P. Morgan		>	J.P. Morgan
	403	Online clients only, text HELP to 576746). For additional assistance with Alerts		406	Online clients only, text HELP to 576746). For additional assistance with Alerts
	>	, contact		>	, contact
n	404		n
	405	customer service at 877CHASEPC (877-242-7372) (J.P. Morgan Online clients only c		407	customer service at 877CHASEPC (877-242-7372) (J.P. Morgan Online clients only c
	>	all 866-		>	all 866-
	406	265-1727).		408	265-1727).
	407	3. Artificial Intelligence Features		409	3. Artificial Intelligence Features
	432	unauthorized, or inaccurate, you must notify us promptly through the contact met		434	unauthorized, or inaccurate, you must notify us promptly through the contact met
	>	hods and		>	hods and
	433	within the time frame stated within your account’s relevant agreement or the Ser		435	within the time frame stated within your account’s relevant agreement or the Ser
	>	vice’s terms		>	vice’s terms
	434	and conditions, including Addenda to this Agreement.		436	and conditions, including Addenda to this Agreement.
n			n	437
	435	4. Records; Communications		438	4. Records; Communications
	436	Our records shall be presumed to accurately reflect the contents of your Instruc		439	Our records shall be presumed to accurately reflect the contents of your Instruc
	>	tions to us		>	tions to us
n	437		n
	438	and, in the absence of manifest error, will be binding and conclusive.		440	and, in the absence of manifest error, will be binding and conclusive.
	439	You agree to provide a valid email address so that we may send you certain infor		441	You agree to provide a valid email address so that we may send you certain infor
	>	mation		>	mation
	440	related to the Digital Platforms and Services, including for the purpose of serv		442	related to the Digital Platforms and Services, including for the purpose of serv
	>	icing or		>	icing or
	471	You agree that you will not transmit securities trade orders or any other transa		473	You agree that you will not transmit securities trade orders or any other transa
	>	ctional		>	ctional
	472	instructions, including Instructions, to us using email, text or other electroni		474	instructions, including Instructions, to us using email, text or other electroni
	>	c means not		>	c means not
	473	designed by us to accept such instructions. You acknowledge that we will not act		475	designed by us to accept such instructions. You acknowledge that we will not act
	>	upon		>	upon
n			n	476
	474	instructions, including Instructions, transmitted through email, text or other e		477	instructions, including Instructions, transmitted through email, text or other e
	>	lectronic means		>	lectronic means
	475	not designed by us to accept such instructions and that we may not be in a posit		478	not designed by us to accept such instructions and that we may not be in a posit
	>	ion, by virtue		>	ion, by virtue
	476	of time zone difference and otherwise, to respond to your communications sent by		479	of time zone difference and otherwise, to respond to your communications sent by
	>	such		>	such
n	477		n
	478	means within the time frame contemplated by you.		480	means within the time frame contemplated by you.
	479	5. Account Information		481	5. Account Information
	480	Account information and data is provided to you on the Digital Platforms or in c		482	Account information and data is provided to you on the Digital Platforms or in c
	>	onnection		>	onnection
	507	We may amend or change the terms of this Agreement (including applicable fees an		509	We may amend or change the terms of this Agreement (including applicable fees an
	>	d service		>	d service
	508	charges or adding new Addenda) or update, discontinue or modify any of the Digit		510	charges or adding new Addenda) or update, discontinue or modify any of the Digit
	>	al		>	al
	509	Platforms, Services, or features to the Digital Platforms or Services (including		511	Platforms, Services, or features to the Digital Platforms or Services (including
	>	adding		>	adding
n			n	512
	510	additional/new Services), at any time in our sole discretion. If any change woul		513	additional/new Services), at any time in our sole discretion. If any change woul
	>	d adversely		>	d adversely
	511	affect you, we will notify you in advance, unless the change is necessary to com		514	affect you, we will notify you in advance, unless the change is necessary to com
	>	ply with a legal		>	ply with a legal
	512	requirement or as otherwise permitted by regulation. Otherwise, we will post the		515	requirement or as otherwise permitted by regulation. Otherwise, we will post the
	>	updated		>	updated
n	513		n
	514	terms on the Digital Platforms. We may, at our option, also send you notice by e		516	terms on the Digital Platforms. We may, at our option, also send you notice by e
	>	mail or by		>	mail or by
	515	regular mail, unless the law requires a different method. Continuing to have a d		517	regular mail, unless the law requires a different method. Continuing to have a d
	>	igital profile		>	igital profile
	516	with us (i.e., login credentials that provide access to your account on our Digi		518	with us (i.e., login credentials that provide access to your account on our Digi
	>	tal Platforms)		>	tal Platforms)
	547	make no endorsement of any specific software, hardware or Internet Service Provi		549	make no endorsement of any specific software, hardware or Internet Service Provi
	>	der and		>	der and
	548	your use of any such software, hardware or service may also be subject to the EU		550	your use of any such software, hardware or service may also be subject to the EU
	>	LA or other		>	LA or other
	549	agreements of that provider, in addition to the terms and conditions of this Agr		551	agreements of that provider, in addition to the terms and conditions of this Agr
	>	eement. You		>	eement. You
n			n	552
	550	will not use the Services in any manner that interferes with the operation of th		553	will not use the Services in any manner that interferes with the operation of th
	>	e Digital		>	e Digital
	551	Platforms or the Services.		554	Platforms or the Services.
n	552		n
	553	9. Login Credentials and Other Sensitive Information		555	9. Login Credentials and Other Sensitive Information
	554	General		556	General
	555	To prevent unauthorized access to your accounts and unauthorized use of the Digi		557	To prevent unauthorized access to your accounts and unauthorized use of the Digi
	>	tal		>	tal
	586	OR AGENTIC AI, THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE DIGITAL PLATFORMS		588	OR AGENTIC AI, THE AUTHORITY TO ACCESS ACCOUNTS THROUGH THE DIGITAL PLATFORMS
	587	OR SERVICES, THAT INDIVIDUAL OR SYSTEM MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS		589	OR SERVICES, THAT INDIVIDUAL OR SYSTEM MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS
	588	TO WHICH THAT INDIVIDUAL OR SYSTEM WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS.		590	TO WHICH THAT INDIVIDUAL OR SYSTEM WOULD NOT OTHERWISE HAVE SIGNATURE ACCESS.
n			n	591
	589	YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE		592	YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE
	590	IMPROPER USE OF YOUR LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE		593	IMPROPER USE OF YOUR LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE
n	591		n
	592	GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN		594	GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN
	593	ACCOMPANIED BY SUCH LOGIN CREDENTIALS, AND TO ACT ON SUCH INSTRUCTIONS.		595	ACCOMPANIED BY SUCH LOGIN CREDENTIALS, AND TO ACT ON SUCH INSTRUCTIONS.
	594	Credential Managers		596	Credential Managers
	625	including transactions, for predictability, practicality or appropriateness. You		627	including transactions, for predictability, practicality or appropriateness. You
	>	must retain and		>	must retain and
	626	produce to us, upon request, your timely revocation of consent to the Agent’s ac		628	produce to us, upon request, your timely revocation of consent to the Agent’s ac
	>	tions. You		>	tions. You
	627	are responsible for any actions or transactions entered or requested by the Agen		629	are responsible for any actions or transactions entered or requested by the Agen
	>	t and for any		>	t and for any
n			n	630
	628	actions or errors that may result from the Agent’s incorrect interpretation or i		631	actions or errors that may result from the Agent’s incorrect interpretation or i
	>	mplementation		>	mplementation
	629	of your instructions, if it performs unintended actions or exceeds the authority		632	of your instructions, if it performs unintended actions or exceeds the authority
	>	you gave it.		>	you gave it.
n	630		n
	631	We reserve the right to modify our security protocols or API access or limit, pr		633	We reserve the right to modify our security protocols or API access or limit, pr
	>	event, suspend		>	event, suspend
	632	or terminate access by an Agent to your accounts, the Digital Platforms or the S		634	or terminate access by an Agent to your accounts, the Digital Platforms or the S
	>	ervices at any		>	ervices at any
	633	time without notice, which may render the third-party agent non-functional. Addi		635	time without notice, which may render the third-party agent non-functional. Addi
	>	tional		>	tional
	639	We may give you the option to enable login credentials or identity verification		641	We may give you the option to enable login credentials or identity verification
	>	methods		>	methods
	640	beyond user ID and Passwords, such as biometrics, security keys, and syncable		642	beyond user ID and Passwords, such as biometrics, security keys, and syncable
	641	authenticators (e.g., passkeys) for certain Services on our Digital Platforms. W		643	authenticators (e.g., passkeys) for certain Services on our Digital Platforms. W
	>	e may also		>	e may also
n	642	require specific identity verification methods for opening or transacting on you	n	644	require specific identity verification methods (including Trusted Device) for op
	>	r accounts to		>	ening,
	643	help keep your accounts safe and help prevent identity theft. You are responsibl		645	accessing, managing, or transacting on your accounts to help keep your accounts
	>	e for		>	safe and
	644	understanding the requirements for each login credential or identity verificatio		646	help prevent identity theft. You are responsible for understanding the requireme
	>	n method.		>	nts for each
				647	login credential or identity verification method.
	645	These requirements are provided when you are presented with these credentials or		648	These requirements are provided when you are presented with these credentials or
	>	methods,		>	methods,
	646	and additional information may also be available in FAQs. We do not endorse, gua		649	and additional information may also be available in FAQs. We do not endorse, gua
	>	rantee or		>	rantee or
	647	assume responsibility for the functionality of physical devices (e.g., security		650	assume responsibility for the functionality of physical devices (e.g., security
	>	keys) used for		>	keys) used for
	648	authentication.		651	authentication.
n			n	652	Authentication via Trusted Device
				653	To help protect your account from fraud and unauthorized access, we may require
				>	you to
				654	download and use our mobile application, and use a Trusted Device, as defined in
				>	this
				655	Agreement, to verify your identity. Until you do, we may deny access to our Digi
				>	tal Platforms,
				656	the Services, and your accounts, unless an accommodation is required by law. You
				>	should use
				657	only your personal device – one you control and only you use – as your Trusted D
				>	evice. If you
				658	lose access to your Trusted Device (for example, if it is lost or stolen), you m
				>	ay need to verify
				659	a new one via Trusted Device Enrollment, as defined in this Agreement, which cou
				>	ld
				660	temporarily delay your ability to access our Digital Platforms, accounts, or com
				>	plete
				661	transactions and other banking activities.
	649	Special Provision for Business Customers		662	Special Provision for Business Customers
	650	Any user ID or Password we provide to you is provided to you in your capacity as		663	Any user ID or Password we provide to you is provided to you in your capacity as
	>	a		>	a
	651	representative of the business entity registered with the Digital Platform or Se		664	representative of the business entity registered with the Digital Platform or Se
	>	rvice only, and		>	rvice only, and
	652	may not be retained by you after any termination of your relationship with such		665	may not be retained by you after any termination of your relationship with such
	>	business		>	business
	653	entity. You agree to inform us immediately if a person with access to a Password		666	entity. You agree to inform us immediately if a person with access to a Password
	>	leaves the		>	leaves the
n			n	667
	654	employ or is no longer a representative of the entity to which that Password has		668	employ or is no longer a representative of the entity to which that Password has
	>	been		>	been
	655	assigned.		669	assigned.
	656	10. Interruptions in Service; Risks of Electronic Transactions and Access to		670	10. Interruptions in Service; Risks of Electronic Transactions and Access to
	664	Platforms and/or Services.		678	Platforms and/or Services.
	665	Your ability to access the Digital Platforms or any Service may be limited durin		679	Your ability to access the Digital Platforms or any Service may be limited durin
	>	g periods of		>	g periods of
	666	high volume, systems upgrades and maintenance or for other reasons. If the Digit		680	high volume, systems upgrades and maintenance or for other reasons. If the Digit
	>	al Platforms		>	al Platforms
n	667		n
	668	or Services are not available for transactions or if conditions render its use i		681	or Services are not available for transactions or if conditions render its use i
	>	nappropriate, you		>	nappropriate, you
	669	agree to use alternative means to conduct transactions or place your orders, suc		682	agree to use alternative means to conduct transactions or place your orders, suc
	>	h as calling		>	h as calling
	670	your J.P. Morgan Chase representative or the call center servicing your account.		683	your J.P. Morgan Chase representative or the call center servicing your account.
	>	We will not		>	We will not
	689	Any provision of this Agreement that limits our liability does not negate our du		702	Any provision of this Agreement that limits our liability does not negate our du
	>	ty (if any)		>	ty (if any)
	690	under applicable law to act in good faith and with reasonable care. If any provi		703	under applicable law to act in good faith and with reasonable care. If any provi
	>	sion of this		>	sion of this
	691	Agreement is determined to limit our liability in a way prohibited by applicable		704	Agreement is determined to limit our liability in a way prohibited by applicable
	>	law, the		>	law, the
n			n	705
	692	provision will nevertheless be enforced to the fullest extent permitted under th		706	provision will nevertheless be enforced to the fullest extent permitted under th
	>	at law.		>	at law.
	693	This Section shall survive termination of this Agreement.		707	This Section shall survive termination of this Agreement.
	694	12. Representations, Warranties, and Covenants of Customer		708	12. Representations, Warranties, and Covenants of Customer
	701	• you will not use any Service for international ACH transactions, which are pro		715	• you will not use any Service for international ACH transactions, which are pro
	>	hibited		>	hibited
	702	under this Agreement;		716	under this Agreement;
	703	• you will comply with this Agreement and all laws, rules and regulations applic		717	• you will comply with this Agreement and all laws, rules and regulations applic
	>	able to you		>	able to you
n	704		n
	705	in your use of the Digital Platforms, Services, and Products, including those pe		718	in your use of the Digital Platforms, Services, and Products, including those pe
	>	rtaining to		>	rtaining to
	706	(a) exports or imports of software and related property; (b) use or remote use o		719	(a) exports or imports of software and related property; (b) use or remote use o
	>	f		>	f
	707	software and related property; or (c) registration of any Addendum;		720	software and related property; or (c) registration of any Addendum;
	728	OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES		741	OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES
	729	OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-		742	OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-
	730	INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES		743	INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL PLATFORMS AND SERVICES
n			n	744
	731	AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER		745	AND ALL INFORMATION, PRODUCTS, CAPTURE DEVICES, SOFTWARE, HARDWARE AND OTHER
	732	CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED		746	CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED
	733	IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLI		747	IN OR ACCESSIBLE FROM THE DIGITAL PLATFORMS OR SITES. NO LICENSE TO YOU IS IMPLI
	>	ED		>	ED
	741	about the underlying accounts, loans, credit cards, etc. will be resolved pursua		755	about the underlying accounts, loans, credit cards, etc. will be resolved pursua
	>	nt to the		>	nt to the
	742	provisions of the Other Documents (as defined in Section 1 above) pertaining to		756	provisions of the Other Documents (as defined in Section 1 above) pertaining to
	>	them. Any		>	them. Any
	743	dispute, claim or controversy in connection with an Investment Account will be		757	dispute, claim or controversy in connection with an Investment Account will be
n	744		n
	745	resolved pursuant to the provisions of the agreement governing your Investment		758	resolved pursuant to the provisions of the agreement governing your Investment
	746	Account and is not subject to the dispute provisions of this Section.		759	Account and is not subject to the dispute provisions of this Section.
	747	YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW.		760	YOU HAVE A RIGHT TO OPT OUT OF THIS AGREEMENT TO ARBITRATE, AS DISCUSSED BELOW.
	765	Can I (customer) cancel or opt out of this agreement to arbitrate?		778	Can I (customer) cancel or opt out of this agreement to arbitrate?
	766	You have the right to opt out of this agreement to arbitrate if you tell us with		779	You have the right to opt out of this agreement to arbitrate if you tell us with
	>	in sixty (60) days		>	in sixty (60) days
	767	of accepting this Agreement. Requests to opt out of this Agreement that are made		780	of accepting this Agreement. Requests to opt out of this Agreement that are made
	>	more than		>	more than
n			n	781
	768	sixty (60) days after the initial acceptance of this Agreement are invalid. If y		782	sixty (60) days after the initial acceptance of this Agreement are invalid. If y
	>	ou already have		>	ou already have
	769	pending litigation or arbitration against/with us when you accept this Agreement		783	pending litigation or arbitration against/with us when you accept this Agreement
	>	, any request		>	, any request
	770	to opt out of this arbitration clause will not apply to that litigation or arbit		784	to opt out of this arbitration clause will not apply to that litigation or arbit
	>	ration. If you want		>	ration. If you want
	777	What about class actions or representative actions?		791	What about class actions or representative actions?
	778	Claims in arbitration will proceed on an individual basis, on behalf of the name		792	Claims in arbitration will proceed on an individual basis, on behalf of the name
	>	d parties only.		>	d parties only.
	779	YOU AND WE AGREE NOT TO:		793	YOU AND WE AGREE NOT TO:
n	780		n
	781	• SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS		794	• SEEK TO PROCEED ON ANY CLAIM IN ARBITRATION AS A CLASS CLAIM OR CLASS
	782	ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE		795	ACTION, PRIVATE ATTORNEY GENERAL PROCEEDING, OR OTHER REPRESENTATIVE
	783	PROCEEDING;		796	PROCEEDING;
	805	injunctive relief will be decided in litigation in the court after Claims seekin		818	injunctive relief will be decided in litigation in the court after Claims seekin
	>	g other relief had		>	g other relief had
	806	been adjudicated in arbitration on an individual basis. For the avoidance of dou		819	been adjudicated in arbitration on an individual basis. For the avoidance of dou
	>	bt, no		>	bt, no
	807	arbitrator shall have authority to entertain any Claim on behalf of a person who		820	arbitrator shall have authority to entertain any Claim on behalf of a person who
	>	is not a		>	is not a
n			n	821
	808	named party, nor shall any arbitrator have authority to make any award for the b		822	named party, nor shall any arbitrator have authority to make any award for the b
	>	enefit of, or		>	enefit of, or
	809	against, any person who is not a named party.		823	against, any person who is not a named party.
	810	Does arbitration apply to Claims involving third parties?		824	Does arbitration apply to Claims involving third parties?
	817	and all third parties who are regarded as agents or representatives of ours in c		831	and all third parties who are regarded as agents or representatives of ours in c
	>	onnection with		>	onnection with
	818	a Claim. (If we assign your account to an unaffiliated third party, then “we” in		832	a Claim. (If we assign your account to an unaffiliated third party, then “we” in
	>	cludes that third		>	cludes that third
	819	party.) The arbitration may not be consolidated with any other arbitration proce		833	party.) The arbitration may not be consolidated with any other arbitration proce
	>	eding.		>	eding.
n	820		n
	821	How does arbitration work?		834	How does arbitration work?
	822	The party filing a Claim in arbitration must select JAMS or the American Arbitra		835	The party filing a Claim in arbitration must select JAMS or the American Arbitra
	>	tion		>	tion
	823	Association ("AAA") as the arbitration administrator. That organization will app		836	Association ("AAA") as the arbitration administrator. That organization will app
	>	ly its rules and		>	ly its rules and
	841	Unless the arbitration administrator waives your initial filing fee to commence		854	Unless the arbitration administrator waives your initial filing fee to commence
	>	arbitration,		>	arbitration,
	842	you are obligated to pay that fee but, if a settlement is reached between you an		855	you are obligated to pay that fee but, if a settlement is reached between you an
	>	d us prior to		>	d us prior to
	843	the hearing, we will reimburse you for up to $500 for filing fees as part of the		856	the hearing, we will reimburse you for up to $500 for filing fees as part of the
	>	negotiated		>	negotiated
n			n	857
	844	terms of the settlement. If a settlement is not reached prior to the hearing, we		858	terms of the settlement. If a settlement is not reached prior to the hearing, we
	>	also will pay		>	also will pay
	845	any fees for the arbitrator and arbitration administrator for the first two days		859	any fees for the arbitrator and arbitration administrator for the first two days
	>	of any hearing.		>	of any hearing.
	846	If you are the prevailing party in the arbitration, we will reimburse you for an		860	If you are the prevailing party in the arbitration, we will reimburse you for an
	>	y fees you paid		>	y fees you paid
	853	federal judicial district that includes your address at the time the Claim is fi		867	federal judicial district that includes your address at the time the Claim is fi
	>	led, unless the		>	led, unless the
	854	parties agree to a different place.		868	parties agree to a different place.
	855	This Section 13 shall survive termination of this Agreement.		869	This Section 13 shall survive termination of this Agreement.
n	856		n
	857	15. Restrictions		870	15. Restrictions
	858	You agree not to attempt to log on to the Digital Platforms or Services from any		871	You agree not to attempt to log on to the Digital Platforms or Services from any
	>	country		>	country
	859	under sanctions by the Office of Foreign Assets Control (OFAC). Information rega		872	under sanctions by the Office of Foreign Assets Control (OFAC). Information rega
	>	rding which		>	rding which
	877	agents (the “J.P. Morgan Chase Indemnified Parties”) harmless from and against a		890	agents (the “J.P. Morgan Chase Indemnified Parties”) harmless from and against a
	>	ny loss,		>	ny loss,
	878	claim, damage, liability, cost or expense of any kind (including reasonable atto		891	claim, damage, liability, cost or expense of any kind (including reasonable atto
	>	rneys’ and		>	rneys’ and
	879	expert witness fees and expenses and all costs of investigation) (collectively,		892	expert witness fees and expenses and all costs of investigation) (collectively,
	>	“Losses”) in		>	“Losses”) in
n			n	893
	880	connection with any third party claim resulting or arising from:		894	connection with any third party claim resulting or arising from:
	881	• your use of the Digital Platforms, any Service or Product, or the use of the D		895	• your use of the Digital Platforms, any Service or Product, or the use of the D
	>	igital		>	igital
	882	Platforms or any Service or Product by anyone using your Card number, account		896	Platforms or any Service or Product by anyone using your Card number, account
	891	Agreement or the Other Documents;		905	Agreement or the Other Documents;
	892	• willful misconduct, fraud, criminal activity, intentional tort or negligence o		906	• willful misconduct, fraud, criminal activity, intentional tort or negligence o
	>	f you or any		>	f you or any
	893	other person or entity (other than us);		907	other person or entity (other than us);
n	894		n
	895	• any transmission or Instruction, whether or not authorized, acted upon by us i		908	• any transmission or Instruction, whether or not authorized, acted upon by us i
	>	n good		>	n good
	896	faith and in reliance upon the user IDs, Passwords, or your other login credenti		909	faith and in reliance upon the user IDs, Passwords, or your other login credenti
	>	als,		>	als,
	897	identity verification methods, or sensitive information;		910	identity verification methods, or sensitive information;
	918	unreasonably withheld).		931	unreasonably withheld).
	919	Your obligations under this Section 17 shall be in addition to any obligations c		932	Your obligations under this Section 17 shall be in addition to any obligations c
	>	ontained in the		>	ontained in the
	920	Other Documents and shall survive termination of this Agreement.		933	Other Documents and shall survive termination of this Agreement.
n			n	934
	921	18. Risk of Loss		935	18. Risk of Loss
	922	In the event of a system failure or interruption, your data may be lost or destr		936	In the event of a system failure or interruption, your data may be lost or destr
	>	oyed. Any		>	oyed. Any
	923	transaction(s) that you initiated, were in the process of completing, or complet		937	transaction(s) that you initiated, were in the process of completing, or complet
	>	ed shortly		>	ed shortly
	930	destruction or damage shall impair any of your obligations hereunder which shall		944	destruction or damage shall impair any of your obligations hereunder which shall
	>	continue in		>	continue in
	931	full force and effect.		945	full force and effect.
	932	19. Authorization for Minors and Children to Access Digital Platforms and		946	19. Authorization for Minors and Children to Access Digital Platforms and
n	933		n
	934	Services		947	Services
	935	We may allow you to grant your child use or access to certain Digital Platforms		948	We may allow you to grant your child use or access to certain Digital Platforms
	>	and Services		>	and Services
	936	that are linked to your profile on the Digital Platforms. If you authorize us to		949	that are linked to your profile on the Digital Platforms. If you authorize us to
	>	grant your child		>	grant your child
	955	and any associated documentation (“Products”) for use only directly in conjuncti		968	and any associated documentation (“Products”) for use only directly in conjuncti
	>	on with its		>	on with its
	956	permitted use of the applicable Service.		969	permitted use of the applicable Service.
	957	Title and Ownership		970	Title and Ownership
n			n	971
	958	You acknowledge and agree that: (a) other than your electronic records stored by		972	You acknowledge and agree that: (a) other than your electronic records stored by
	>	the Digital		>	the Digital
	959	Platforms or the Services, all content included in or available through the Digi		973	Platforms or the Services, all content included in or available through the Digi
	>	tal Platforms		>	tal Platforms
	960	and Services is the property of JPMC and/or third parties and is protected by co		974	and Services is the property of JPMC and/or third parties and is protected by co
	>	pyrights,		>	pyrights,
	967	Service should be construed as granting by implication or otherwise any license		981	Service should be construed as granting by implication or otherwise any license
	>	or right to		>	or right to
	968	use any Trademark without the express written permission of JPMC or the third pa		982	use any Trademark without the express written permission of JPMC or the third pa
	>	rty which		>	rty which
	969	has rights to such Trademark, as appropriate.		983	has rights to such Trademark, as appropriate.
n	970		n
	971	Except for the licenses granted to you under this Agreement, all rights, interes		984	Except for the licenses granted to you under this Agreement, all rights, interes
	>	t and title in		>	t and title in
	972	and to the Digital Platforms and Services, associated content, technology, appli		985	and to the Digital Platforms and Services, associated content, technology, appli
	>	cation,		>	cation,
	973	website(s) and Products, including any improvements, modifications, and derivati		986	website(s) and Products, including any improvements, modifications, and derivati
	>	ve works,		>	ve works,
	995	intellectual property rights notices or labels on the Digital Platforms; or (d)		1008	intellectual property rights notices or labels on the Digital Platforms; or (d)
	>	otherwise exercise		>	otherwise exercise
	996	any other right to the Digital Platforms not expressly granted in this Agreement		1009	any other right to the Digital Platforms not expressly granted in this Agreement
	>	. We, or our		>	. We, or our
	997	licensors, own all right, title and interest, including all intellectual propert		1010	licensors, own all right, title and interest, including all intellectual propert
	>	y rights (including all		>	y rights (including all
n			n	1011
	998	names, trade names, trademarks, service marks, slogans, logos or other indicia)		1012	names, trade names, trademarks, service marks, slogans, logos or other indicia)
	>	in and to the		>	in and to the
	999	Digital Platforms, Services, and Products (including the products and services a		1013	Digital Platforms, Services, and Products (including the products and services a
	>	ccessed		>	ccessed
	1000	through the Mobile Services). No license or other right in or to the Digital Pla		1014	through the Mobile Services). No license or other right in or to the Digital Pla
	>	tforms, Services,		>	tforms, Services,
	1005	your (and expressly not our) responsibility to establish reasonable backups, acc		1019	your (and expressly not our) responsibility to establish reasonable backups, acc
	>	uracy checks		>	uracy checks
	1006	and security precautions to guard against possible malfunctions, loss of data an		1020	and security precautions to guard against possible malfunctions, loss of data an
	>	d		>	d
	1007	unauthorized access.		1021	unauthorized access.
n	1008		n
	1009	Patent Infringement		1022	Patent Infringement
	1010	In the event the Products become, or in our opinion are reasonably likely to bec		1023	In the event the Products become, or in our opinion are reasonably likely to bec
	>	ome, the		>	ome, the
	1011	subject of a claim of infringement, you will allow us, at our option and expense		1024	subject of a claim of infringement, you will allow us, at our option and expense
	>	, to replace the		>	, to replace the
	1030	22. Links		1043	22. Links
	1031	Our websites may contain third party content and links to other third party apps		1044	Our websites may contain third party content and links to other third party apps
	>	or web sites		>	or web sites
	1032	(collectively, “Linked Sites”). We are not responsible for, nor do we control, t		1045	(collectively, “Linked Sites”). We are not responsible for, nor do we control, t
	>	he content,		>	he content,
n			n	1046
	1033	products, or services provided by Linked Sites. We do not endorse or guarantee t		1047	products, or services provided by Linked Sites. We do not endorse or guarantee t
	>	he products,		>	he products,
	1034	information or recommendations provided by Linked Sites, and are not liable for		1048	information or recommendations provided by Linked Sites, and are not liable for
	>	any failure		>	any failure
	1035	of products or services advertised on those sites. In addition, each third party		1049	of products or services advertised on those sites. In addition, each third party
	>	site may		>	site may
	1040	cooperate and provide information or documents, at your expense, as may be reaso		1054	cooperate and provide information or documents, at your expense, as may be reaso
	>	nably		>	nably
	1041	requested by us to aid in the clearing and collection process, to resolve claims		1055	requested by us to aid in the clearing and collection process, to resolve claims
	>	by third parties		>	by third parties
	1042	with respect to any Item, or for audit purposes.		1056	with respect to any Item, or for audit purposes.
n	1043		n
	1044	24. Termination and Suspension; Assignment; Survival		1057	24. Termination and Suspension; Assignment; Survival
	1045	We may terminate or suspend this Agreement or any Addendum, or terminate, suspen		1058	We may terminate or suspend this Agreement or any Addendum, or terminate, suspen
	>	d,		>	d,
	1046	restrict, or limit your access privileges to the Digital Platforms or any Servic		1059	restrict, or limit your access privileges to the Digital Platforms or any Servic
	>	e, in whole or part,		>	e, in whole or part,
	1068	protecting our confidential information, requiring indemnification and setting f		1081	protecting our confidential information, requiring indemnification and setting f
	>	orth		>	orth
	1069	limitations of liability each, by their nature, contemplate performance or obser		1082	limitations of liability each, by their nature, contemplate performance or obser
	>	vance after this		>	vance after this
	1070	Agreement or an Addendum terminates.		1083	Agreement or an Addendum terminates.
n			n	1084
	1071	25. Notice of Claims		1085	25. Notice of Claims
	1072	If you receive notice of any Claim regarding the Digital Platforms or any Servic		1086	If you receive notice of any Claim regarding the Digital Platforms or any Servic
	>	e, you shall		>	e, you shall
	1073	promptly provide us with a written notice of it.		1087	promptly provide us with a written notice of it.
	1077	exercising any rights or remedies shall operate as a waiver of such rights or re		1091	exercising any rights or remedies shall operate as a waiver of such rights or re
	>	medies or any		>	medies or any
	1078	other rights or remedies. A waiver on any one occasion shall not be construed as		1092	other rights or remedies. A waiver on any one occasion shall not be construed as
	>	a bar or		>	a bar or
	1079	waiver of any rights or remedies on future occasions.		1093	waiver of any rights or remedies on future occasions.
n	1080		n
	1081	If any provision of this Agreement conflicts with the law under which this Agree		1094	If any provision of this Agreement conflicts with the law under which this Agree
	>	ment is to be		>	ment is to be
	1082	construed or if any provision of this Agreement is held invalid or unenforceable		1095	construed or if any provision of this Agreement is held invalid or unenforceable
	>	by a court of		>	by a court of
	1083	competent jurisdiction, that provision will be deemed to be restated to reflect		1096	competent jurisdiction, that provision will be deemed to be restated to reflect
	>	as nearly as		>	as nearly as
	1100	cardmember agreement.		1113	cardmember agreement.
	1101	This Section 28 shall survive termination of this Agreement.		1114	This Section 28 shall survive termination of this Agreement.
	1102	GLOSSARY		1115	GLOSSARY
n	1103	Refers to an electronic deposit to, or withdrawal from, your	n	1116	“ACH” or “Automated Refers to an electronic deposit to, or withdrawal from, your
	1104	“ACH” or “Automated		1117
	1105	account that we receive or send through the “automated clearing		1118	Clearing House” account that we receive or send through the “automated clearing
	1106	Clearing House”
	1107	house” network.		1119	house” network.
	1108	Refers to each addendum to this Agreement, including any		1120	Refers to each addendum to this Agreement, including any
	1109	“Addendum”		1121	“Addendum”
	1117	Refers to a one-time payment or repeating payments made from		1129	Refers to a one-time payment or repeating payments made from
	1118	“Bill Payment(s)”		1130	“Bill Payment(s)”
	1119	an eligible account to companies, merchants, or individuals.		1131	an eligible account to companies, merchants, or individuals.
n	1120		n
	1121	Refers to any deposit account, such as a checking or savings		1132	Refers to any deposit account, such as a checking or savings
	1122	“Business Account” account, you have with us that is used for business (non-pers		1133	“Business Account” account, you have with us that is used for business (non-pers
	>	onal)		>	onal)
	1123	banking purposes.		1134	banking purposes.
	1129	any reason.		1140	any reason.
	1130	“Card” Refers to any credit and/or debit card issued by us.		1141	“Card” Refers to any credit and/or debit card issued by us.
	1131	Refers to the online, client-facing platform,		1142	Refers to the online, client-facing platform,
n	1132	www.chase.com/business, on which JPMC customers who hold a	n	1143	“Chase Business www.chase.com/business, on which JPMC customers who hold a
	1133	“Chase Business Online”
	1134	Business Account may conduct online banking and access the		1144	Online” Business Account may conduct online banking and access the
	1135	Online Services.		1145	Online Services.
n	1136	Refers to one of our loan or credit accounts (including a	n	1146	Refers to one of our loan or credit accounts (including a mortgage,
	1137	“Chase Loan or Credit		1147	“Chase Loan or Credit
n	1138	mortgage, auto or student loan or credit card) held in your name	n	1148	auto or student loan or credit card) held in your name that has
	1139	Account”		1149	Account”
n	1140	that has been listed as a Payee.	n	1150	been listed as a Payee.
	1141	Refers to the mobile platform on which JPMC customers may		1151	Refers to the mobile platform on which JPMC customers may
	1142	“Chase Mobile” conduct mobile banking and investing and access the Mobile		1152	“Chase Mobile” conduct mobile banking and investing and access the Mobile
	1143	Services.		1153	Services.
	1150	“Communication Refers to an entity offering the transmission, routing, or provid		1160	“Communication Refers to an entity offering the transmission, routing, or provid
	>	ing		>	ing
	1151	Service Provider” of connections for communications or access via the telephone.		1161	Service Provider” of connections for communications or access via the telephone.
	1152	Refers to any deposit account, such as a checking or savings		1162	Refers to any deposit account, such as a checking or savings
n			n	1163	“Consumer Account”
	1153	“Consumer Account” account, you have with us that is established primarily for		1164	account, you have with us that is established primarily for
				1165
	1154	personal, family or household banking purposes.		1166	personal, family or household banking purposes.
	1155	Refers to a payment, including a Bill Payment, ACH Collection, or		1167	Refers to a payment, including a Bill Payment, ACH Collection, or
	1156	Transfer, from an account held by us that is scheduled with a		1168	Transfer, from an account held by us that is scheduled with a
	1163	Refers to the date you would like your payment (including Bill		1175	Refers to the date you would like your payment (including Bill
	1164	Payment or ACH Payment) or Transfer delivered to your intended		1176	Payment or ACH Payment) or Transfer delivered to your intended
	1165	“Deliver By Date”		1177	“Deliver By Date”
n	1166	recipient (i.e., your Payee or your To Account); this may or may	n	1178	recipient (i.e., your Payee or your To Account); this may or may not
	1167	not be the date your payment will be posted by your Payee.		1179	be the date your payment will be posted by your Payee.
	1168
	1169	Refers to the way your payment is transmitted (i.e., either		1180	Refers to the way your payment is transmitted (i.e., either
	1170	“Delivery Method”		1181	“Delivery Method”
	1171	electronically or via check).		1182	electronically or via check).
	1182	authorized to access the Services.		1193	authorized to access the Services.
	1183	Refers to the portion of the Transfers Service that allows you to		1194	Refers to the portion of the Transfers Service that allows you to
	1184	issue Instructions to us for payments or Transfers, as applicable,		1195	issue Instructions to us for payments or Transfers, as applicable,
n	1185	“External Transfers” to or from accounts not held by us. External Transfers can	n	1196	“External Transfers” to or from accounts not held by us. External Transfers can
	>	be		>	be used
	1186	used to Transfer funds between an eligible account held by us		1197	to Transfer funds between an eligible account held by us and an
	1187	and an External Account.		1198	External Account.
	1188	Refers to an eligible account from which a payment, including a		1199	Refers to an eligible account from which a payment, including a
	1189	Bill Payment or ACH Payment, Transfer, or other transaction using		1200	Bill Payment or ACH Payment, Transfer, or other transaction using
	1190	“From Account”		1201	“From Account”
	1191	the Services is being requested by you, from which such		1202	the Services is being requested by you, from which such
	1192	transactions will be made or transferred.		1203	transactions will be made or transferred.
	1193	Refers to when a payment amount has been withdrawn from the		1204	Refers to when a payment amount has been withdrawn from the
n	1194	available balance or available credit of your From Account or	n	1205	available balance or available credit of your From Account or when
	1195	“Funded” when an amount to be Transferred has been withdrawn from (or		1206	“Funded” an amount to be Transferred has been withdrawn from (or in the
	1196	in the case of a line of credit, charged against) the available		1207	case of a line of credit, charged against) the available balance of
	1197	balance of your From Account.		1208	your From Account.
	1198	Refers to when a payment (including an ACH Payment or Bill		1209	Refers to when a payment (including an ACH Payment or Bill
	1199	Payment) or Transfer will not be delivered after multiple		1210	Payment) or Transfer will not be delivered after multiple
n			n	1211	“Funding Failed”
	1200	unsuccessful attempts have been made to withdraw funds from		1212	unsuccessful attempts have been made to withdraw funds from
n	1201	“Funding Failed” the appropriate From Account on consecutive Business Days or	n	1213	the appropriate From Account on consecutive Business Days or
				1214
	1202	when the financial institution holding your External Account		1215	when the financial institution holding your External Account
	1203	notifies us that your attempted Transfer from your External		1216	notifies us that your attempted Transfer from your External
	1204	Account could not be completed.		1217	Account could not be completed.
	1209	to withdraw the funds.		1222	to withdraw the funds.
	1210	Refers to Instructions that are not scheduled to begin processing		1223	Refers to Instructions that are not scheduled to begin processing
	1211	on the current Business Day; only Business Days may be selected		1224	on the current Business Day; only Business Days may be selected
n	1212	“Future Dated” for Future Dated payments and Transfers. Future Dated	n	1225	for Future Dated payments and Transfers. Future Dated
				1226	“Future Dated”
	1213	Collections include any Instruction entered after the Cutoff Time		1227	Collections include any Instruction entered after the Cutoff Time
n	1214	on any Business Day or any Instruction entered on a non-	n	1228	on any Business Day or any Instruction entered on a non-Business
	1215			1229	Day.
	1216	Business Day.
	1217	Refers to information providers for securities prices and		1230	Refers to information providers for securities prices and
	1218	quotations available on the Services. These will include such		1231	quotations available on the Services. These will include such
	1219	“Information Providers” securities markets as the New York Stock Exchange, Inc.;		1232	“Information Providers” securities markets as the New York Stock Exchange, Inc.;
	>	the		>	the
	1223	(i) a payment, including a Bill Payment, ACH Payment, or Transfer		1236	(i) a payment, including a Bill Payment, ACH Payment, or Transfer
	1224	to be delivered to the Payee, Chase Loan or Credit Account or To		1237	to be delivered to the Payee, Chase Loan or Credit Account or To
	1225	“Instructions” Account, (ii) an ACH Collection to be collected from the Payor, o		1238	“Instructions” Account, (ii) an ACH Collection to be collected from the Payor, o
	>	r		>	r
n	1226	(iii) the funds to be delivered to the Payee or To Account	n	1239	(iii) the funds to be delivered to the Payee or To Account (including
	1227	(including Payee or To Account name, account number, and		1240	Payee or To Account name, account number, and Deliver By
	1228	Deliver By Date).		1241	Date).
	1229	Refers to the portion of the Transfers Service that allows you to		1242	Refers to the portion of the Transfers Service that allows you to
	1230	“Internal Transfers” issue Instructions to us for transfers between two eligible		1243	“Internal Transfers” issue Instructions to us for transfers between two eligible
	1231	accounts held by us.		1244	accounts held by us.
	1236	Internet.		1249	Internet.
	1237	Refers to certain non-FDIC insured investment products and		1250	Refers to certain non-FDIC insured investment products and
	1238	services offered by J.P. Morgan Chase and its affiliates, which may		1251	services offered by J.P. Morgan Chase and its affiliates, which may
n			n	1252	“Investment
	1239	“Investment Account(s)” include bank-managed accounts and custody, as part of it		1253	include bank-managed accounts and custody, as part of its trust
	>	s trust
				1254	Account(s)”
	1240	and fiduciary services, as well as brokerage and advisory accounts		1255	and fiduciary services, as well as brokerage and advisory accounts
	1241	offered through J.P. Morgan Securities LLC.		1256	offered through J.P. Morgan Securities LLC.
	1242	Refers to a paper check or other paper source document only		1257	Refers to a paper check or other paper source document only
	1243	“Item”		1258	“Item”
	1244	payable in U.S. Dollars.		1259	payable in U.S. Dollars.
n	1245	Refers to JPMorgan Chase Bank, National Association, any parent	n	1260	“JPMC”, “J.P. Morgan Refers to JPMorgan Chase Bank, National Association, any pa
				>	rent
	1246	“JPMC”, “J.P. Morgan
	1247	company, subsidiary, affiliate, licensee, predecessor, or		1261	Chase”, “J.P. Morgan company, subsidiary, affiliate, licensee, predecessor, or s
				>	uccessors
	1248	Chase”, “J.P. Morgan		1262	Chase Bank, N.A.”, of such entity that holds your accounts or provides you servi
				>	ces
	1249	successors of such entity that holds your accounts or provides
	1250	Chase Bank, N.A.”,
	1251	you services and any agent, independent contractor, designee, or		1263	“”JPMorgan Chase and any agent, independent contractor, designee, or assignee th
				>	at
	1252	“”JPMorgan Chase Bank,		1264
	1253	assignee that we may, at our sole discretion, involve in the		1265	Bank, N.A.”, “Chase” we may, at our sole discretion, involve in the provision of
				>	the
	1254	N.A.”, “Chase”		1266	applicable Service.
	1255	provision of the applicable Service.
	1256	“J.P. Morgan” and “JP		1267	“J.P. Morgan” and “JP
	1257	Refers to J.P. Morgan Securities LLC.		1268	Refers to J.P. Morgan Securities LLC.
	1258	Morgan”		1269	Morgan”
	1266	“J.P. Morgan Online”		1277	“J.P. Morgan Online”
	1267	including clients of our Private Bank manage their assets and		1278	including clients of our Private Bank manage their assets and
	1268	access their investment, banking and credit account information.		1279	access their investment, banking and credit account information.
n	1269		n
	1270	Refers to any mobile products, services, functionality and		1280	Refers to any mobile products, services, functionality and
	1271	associated documentation or software available on Chase Mobile		1281	associated documentation or software available on Chase Mobile
	1272	“Mobile Services”		1282	“Mobile Services”
	1273	or J.P. Morgan Mobile through the use of a mobile device or tablet		1283	or J.P. Morgan Mobile through the use of a mobile device or tablet
	1274	device.		1284	device.
	1275	“NACHA” Refers to the National Automated Clearing House Association.		1285	“NACHA” Refers to the National Automated Clearing House Association.
n	1276	Refers to the Operating Rules of NACHA, as amended from time	n	1286	Refers to the Operating Rules of NACHA, as amended from time to
	1277	“NACHA Rules”		1287	“NACHA Rules”
n	1278	to time.	n	1288	time.
	1279	Refers to any online products, services, functionality and		1289	Refers to any online products, services, functionality and
	1280	associated documentation or software available on Chase Online		1290	associated documentation or software available on Chase Online
	1281	“Online Services”		1291	“Online Services”
	1298	Refers to the merchant or other person or entity to whom you		1308	Refers to the merchant or other person or entity to whom you
	1299	“Payee”		1309	“Payee”
	1300	designate a payment or Transfer to be directed.		1310	designate a payment or Transfer to be directed.
n	1301	Refers to any Instruction that you have ordered or requested to	n	1311	Refers to any Instruction that you have ordered or requested to be
	1302	be made which has not been Cancelled by you before the Cutoff		1312	made which has not been Cancelled by you before the Cutoff Time
	1303	“Pending” Time on the Send On Date. All Future Dated ACH Collections and		1313	“Pending” on the Send On Date. All Future Dated ACH Collections and ACH
	1304	ACH Payments are “Pending” starting from the time you enter		1314	Payments are “Pending” starting from the time you enter
	1305	Instructions until they are released by us or “Funded”.		1315	Instructions until they are released by us or “Funded”.
n			n	1316
	1306	Refers to a natural person or a business, government, or		1317	Refers to a natural person or a business, government, or nonprofit
	1307	“Person”		1318	“Person”
n	1308	nonprofit entity.	n	1319	entity.
	1309	Refers to the checking or prepaid account, if eligible, you		1320	Refers to the checking or prepaid account, if eligible, you
	1310	“Primary Account”		1321	“Primary Account”
	1311	designate for paying any potential monthly service fees.		1322	designate for paying any potential monthly service fees.
	1318	Refers to a Person that receives a payment through the Real-Time		1329	Refers to a Person that receives a payment through the Real-Time
	1319	“Receiver”		1330	“Receiver”
	1320	Payments Service.		1331	Payments Service.
n	1321		n
	1322	Refers to addressing information of the Receiver, which may		1332	Refers to addressing information of the Receiver, which may
	1323	“Receiver Addressing		1333	“Receiver Addressing
	1324	include the Receiver’s account number, routing number, phone		1334	include the Receiver’s account number, routing number, phone
	1343	institution that holds the Sender’s account, when you are the		1353	institution that holds the Sender’s account, when you are the
	1344	Institution”		1354	Institution”
	1345	Receiver.		1355	Receiver.
n			n	1356	The operating systems we support for our mobile applications (for
				1357	"Supported Mobile example, the Chase Mobile® app), as listed in the Digital Plat
				>	forms
				1358	Operating Systems" (for example, Android or iOS). This list may change from time
				>	to
				1359	time in our sole discretion.
	1346	Refers to all software, hardware or other equipment necessary		1360	Refers to all software, hardware or other equipment necessary for
	1347	“Systems”		1361	“Systems”
n	1348	for you to access and use the Digital Platforms and Services.	n	1362	you to access and use the Digital Platforms and Services.
	1349	Refers to the account to which funds will be transferred as		1363	Refers to the account to which funds will be transferred as
	1350	“To Account”		1364	“To Account”
	1351	requested by you via any of the Services.		1365	requested by you via any of the Services.
	1352	Refers to the date we will begin the delivery process for Transfers		1366	Refers to the date we will begin the delivery process for Transfers
n	1353	made via the Internal Transfer Service, or the External Transfer	n	1367	“Transfer Date” made via the Internal Transfer Service, or the External Transfer
	1354	“Transfer Date”
	1355	Service. For clarity, this is the date the Transfer request will be		1368	Service. For clarity, this is the date the Transfer request will be
n			n	1369
	1356	sent.		1370	sent.
	1357	Refers to a transfer of funds pursuant to an Instruction to move		1371	Refers to a transfer of funds pursuant to an Instruction to move
	1358	“Transfers”		1372	“Transfers”
	1359	funds electronically from one account to another.		1373	funds electronically from one account to another.
n			n	1374	A smartphone that (1) runs a Supported Mobile Operating System,
				1375	and (2) we recognize as your trusted device after you use our
				1376	mobile applications (for example, the Chase Mobile® app) and
				1377	meet our security requirements, which we may modify from time
				1378	"Trusted Device"
				1379	to time in our sole discretion. Depending on the circumstances,
				1380	you may meet our Trusted Device security requirements either by
				1381	using our mobile applications without additional steps or by
				1382	completing Trusted Device Enrollment.
				1383	The steps we may require to set up a smartphone as your Trusted
				1384	Device, which we may modify from time to time in our sole
				1385	discretion. This may include specific identity verification and
				1386	"Trusted Device
				1387	authentication methods (for example, taking a photo of an
				1388	Enrollment"
				1389	acceptable form of identification with your smartphone camera).
				1390	We may prompt you to complete Trusted Device Enrollment or
				1391	you may be able to start it through our mobile applications.
	1360	Refers to JPMorgan Chase Bank, National Association and J.P.		1392	Refers to JPMorgan Chase Bank, National Association and J.P.
	1361	“We”, “our”, “us”		1393	“We”, “our”, “us”
	1362	Morgan Securities LLC (as applicable).		1394	Morgan Securities LLC (as applicable).
	1363	Refers to (i) an individual or entity that is the owner of an account		1395	Refers to (i) an individual or entity that is the owner of an account
	1364	or a party-in-interest to an account (such as a grantor, beneficiary		1396	or a party-in-interest to an account (such as a grantor, beneficiary
n	1365	“You”, “your”, “them”, or co- trustee of a trust account), (ii) an individual au	n	1397	“You”, “your”, “them”, or co- trustee of a trust account), (ii) an individual au
	>	thorized by		>	thorized by an
	1366	“user” an account owner or a party-in-interest to view account		1398	“user” account owner or a party-in-interest to view account information
	1367	information and/or effect transactions in an account, or (iii) an		1399	and/or effect transactions in an account, or (iii) an individual with
	1368	individual with secure sign-on credentials to the Digital Platforms.		1400	secure sign-on credentials to the Digital Platforms.
	1369	Addendum:		1401	Addendum:
	1370	Access and Security Manager Online Service		1402	Access and Security Manager Online Service
n	1371		n
	1372	(For Business Customers Only)		1403	(For Business Customers Only)
	1373	Last updated: 10/4/2021		1404	Last updated: 10/4/2021
	1374	This Addendum governs your use of the Access and Security Manager Online Service		1405	This Addendum governs your use of the Access and Security Manager Online Service
	>	(for		>	(for
	1378	only to Consumer Accounts.		1409	only to Consumer Accounts.
	1379	The Service is a feature that allows customers to delegate certain functions of		1410	The Service is a feature that allows customers to delegate certain functions of
	>	the Online		>	the Online
	1380	Services to one or more sub-users. In Sections 1-5 below, the term “you” and “yo		1411	Services to one or more sub-users. In Sections 1-5 below, the term “you” and “yo
	>	ur” means		>	ur” means
n			n	1412
	1381	the business entity applying for or using the Online Services. If you are the Ac		1413	the business entity applying for or using the Online Services. If you are the Ac
	>	count		>	count
	1382	Administrator (as defined below), the terms “you” or “your” also mean, as applic		1414	Administrator (as defined below), the terms “you” or “your” also mean, as applic
	>	able, (a) in		>	able, (a) in
	1383	Sections 1-5 below, you in your capacity as an authorized representative of a bu		1415	Sections 1-5 below, you in your capacity as an authorized representative of a bu
	>	siness entity		>	siness entity
	1403	2. Indemnity		1435	2. Indemnity
	1404	In addition to the indemnities set forth in the General Terms and Conditions, yo		1436	In addition to the indemnities set forth in the General Terms and Conditions, yo
	>	u shall		>	u shall
	1405	indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless fr		1437	indemnify, defend and hold the J.P. Morgan Chase Indemnified Parties harmless fr
	>	om and		>	om and
n	1406		n
	1407	against any and all Losses in connection with any third party claim resulting or		1438	against any and all Losses in connection with any third party claim resulting or
	>	arising from:		>	arising from:
	1408	(a) failure by you or your Account Administrator to abide by or perform any obli		1439	(a) failure by you or your Account Administrator to abide by or perform any obli
	>	gation		>	gation
	1409	imposed upon you or your Account Administrator under the Agreement; (b) the acti		1440	imposed upon you or your Account Administrator under the Agreement; (b) the acti
	>	ons,		>	ons,
	1413	Authorized Users until we have a commercially reasonable opportunity to act upon		1444	Authorized Users until we have a commercially reasonable opportunity to act upon
	>	any notice		>	any notice
	1414	given in accordance with the terms of this Agreement.		1445	given in accordance with the terms of this Agreement.
	1415	ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS		1446	ADDITIONAL TERMS APPLICABLE TO BUSINESS ACCOUNTS
n			n	1447
	1416	ONLY (See Section 6 below for Additional Terms and		1448	ONLY (See Section 6 below for Additional Terms and
	1417	Conditions Applicable to Consumer Accounts Only)		1449	Conditions Applicable to Consumer Accounts Only)
	1418	3. Authority of Account Administrator		1450	3. Authority of Account Administrator
	1441	behalf all such user IDs, Passwords, codes or devices and all documents and corr		1473	behalf all such user IDs, Passwords, codes or devices and all documents and corr
	>	espondence		>	espondence
	1442	assigning, confirming or otherwise containing same; and (c) receive and act upon		1474	assigning, confirming or otherwise containing same; and (c) receive and act upon
	>	all other		>	all other
	1443	notices, documents and correspondence from us respecting the Online Services inc		1475	notices, documents and correspondence from us respecting the Online Services inc
	>	luding any		>	luding any
n	1444		n
	1445	changes or supplements to this Agreement.		1476	changes or supplements to this Agreement.
	1446	5. Changes to Account Administrator		1477	5. Changes to Account Administrator
	1447	You understand and agree to advise us immediately of any changes in the identity		1478	You understand and agree to advise us immediately of any changes in the identity
	>	of the		>	of the
	1450	changes to the Account Administrator and until we have had a commercially reason		1481	changes to the Account Administrator and until we have had a commercially reason
	>	able time		>	able time
	1451	to act upon such notice. You further understand and agree that changes to the Ac		1482	to act upon such notice. You further understand and agree that changes to the Ac
	>	count		>	count
	1452	Administrator will not automatically affect the access or entitlements of the Au		1483	Administrator will not automatically affect the access or entitlements of the Au
	>	thorized Users		>	thorized Users
n			n	1484
	1453	to your accounts via the Online Services. It is your responsibility to maintain		1485	to your accounts via the Online Services. It is your responsibility to maintain
	>	the entitlements		>	the entitlements
	1454	of the Authorized Users at all times; provided, however, that we may at our opti		1486	of the Authorized Users at all times; provided, however, that we may at our opti
	>	on and		>	on and
	1455	without liability to you, suspend access to the Online Services to any user at a		1487	without liability to you, suspend access to the Online Services to any user at a
	>	ny time, without		>	ny time, without
	1479	designated shall continue until such time as you have changed the profile of suc		1511	designated shall continue until such time as you have changed the profile of suc
	>	h Authorized		>	h Authorized
	1480	Users to prevent such access. It is your responsibility to remove access to your		1512	Users to prevent such access. It is your responsibility to remove access to your
	>	Consumer		>	Consumer
	1481	Accounts by any Authorized Users within the Online Services prior to withdrawing		1513	Accounts by any Authorized Users within the Online Services prior to withdrawing
	>	or		>	or
n	1482		n
	1483	terminating your position as Account Administrator and you are responsible for a		1514	terminating your position as Account Administrator and you are responsible for a
	>	ny and all		>	ny and all
	1484	claims arising from your failure to do so. You further understand and agree that		1515	claims arising from your failure to do so. You further understand and agree that
	>	any		>	any
	1485	subsequent Account Administrator on a Business Account will have access to your		1516	subsequent Account Administrator on a Business Account will have access to your
	>	Consumer		>	Consumer
	1488	accounts and we have a commercially reasonable time to act upon such request.		1519	accounts and we have a commercially reasonable time to act upon such request.
	1489	DEFINITIONS		1520	DEFINITIONS
	1490	• “Account Administrator” means any signer on your Business Account or Consumer		1521	• “Account Administrator” means any signer on your Business Account or Consumer
n			n	1522
	1491	Accounts or any other person authorized by you to perform the Account Administra		1523	Accounts or any other person authorized by you to perform the Account Administra
	>	tor		>	tor
	1492	activities designated herein. For Commercial Term Lending loans, Account Adminis		1524	activities designated herein. For Commercial Term Lending loans, Account Adminis
	>	trator		>	trator
	1493	also means (if applicable and at our sole discretion) a borrower, guarantor or k		1525	also means (if applicable and at our sole discretion) a borrower, guarantor or k
	>	ey		>	ey
	1515	to retrieve your financial account information, such as balances, transaction hi		1547	to retrieve your financial account information, such as balances, transaction hi
	>	story, holdings,		>	story, holdings,
	1516	and account and routing number, and account ownership information (“Aggregated D		1548	and account and routing number, and account ownership information (“Aggregated D
	>	ata”),		>	ata”),
	1517	from accounts with other financial institutions (“Linked Accounts”). Linking an		1549	from accounts with other financial institutions (“Linked Accounts”). Linking an
	>	external		>	external
n	1518		n
	1519	account may be done directly by us, or by a third party service provider engaged		1550	account may be done directly by us, or by a third party service provider engaged
	>	by us		>	by us
	1520	(“Aggregation Vendor”).		1551	(“Aggregation Vendor”).
	1521	The Aggregation Service is provided as a convenience and should not be considere		1552	The Aggregation Service is provided as a convenience and should not be considere
	>	d a		>	d a
	1524	information regarding your account balances, transactions or investments in your		1555	information regarding your account balances, transactions or investments in your
	1525	Linked Accounts.		1556	Linked Accounts.
	1526	2. Use of Aggregated Data		1557	2. Use of Aggregated Data
n			n	1558
	1527	You can use your Aggregated Data for services which include, but are not limited		1559	You can use your Aggregated Data for services which include, but are not limited
	>	to, the		>	to, the
	1528	display of your consolidated financial picture, verification of your ownership o		1560	display of your consolidated financial picture, verification of your ownership o
	>	f accounts,		>	f accounts,
	1529	verification of income or assets for underwriting, and customized reports and in		1561	verification of income or assets for underwriting, and customized reports and in
	>	sights.		>	sights.
	1552	Aggregation Vendor as your lawful attorneys‐in‐fact and agents, each with author		1584	Aggregation Vendor as your lawful attorneys‐in‐fact and agents, each with author
	>	ity to act		>	ity to act
	1553	independently or jointly, to access Linked Accounts to retrieve information on y		1585	independently or jointly, to access Linked Accounts to retrieve information on y
	>	our behalf.		>	our behalf.
	1554	You grant us the ability to use this information in your name and in your place,		1586	You grant us the ability to use this information in your name and in your place,
	>	in any and all		>	in any and all
n	1555		n
	1556	capacities, as fully to all intents and purposes as you might or could do in per		1587	capacities, as fully to all intents and purposes as you might or could do in per
	>	son.		>	son.
	1557	YOU UNDERSTAND, ACKNOWLEDGE, AND AGREE THAT WHEN WE OR AGGREGATION		1588	YOU UNDERSTAND, ACKNOWLEDGE, AND AGREE THAT WHEN WE OR AGGREGATION
	1558	VENDOR IS PROVIDING SUCH AUTHORIZATIONS, AND REQUESTING INFORMATION FROM,		1589	VENDOR IS PROVIDING SUCH AUTHORIZATIONS, AND REQUESTING INFORMATION FROM,
	1562	authorizations, agency appointment, and limited power-of-attorney granted by you		1593	authorizations, agency appointment, and limited power-of-attorney granted by you
	>	to us and		>	to us and
	1563	Aggregation Vendor for all purposes hereunder. The Aggregation Service is not sp		1594	Aggregation Vendor for all purposes hereunder. The Aggregation Service is not sp
	>	onsored or		>	onsored or
	1564	endorsed by any third-party.		1595	endorsed by any third-party.
n			n	1596
	1565	4. Eligible Accounts		1597	4. Eligible Accounts
	1566	We may add or remove eligible external accounts from the Aggregation Service at		1598	We may add or remove eligible external accounts from the Aggregation Service at
	>	any time		>	any time
	1567	for any reason and have no obligation to provide notice to you of any such chang		1599	for any reason and have no obligation to provide notice to you of any such chang
	>	e. You agree		>	e. You agree
	1591	any and all implied warranties. The foregoing warranty disclaimers will apply to		1623	any and all implied warranties. The foregoing warranty disclaimers will apply to
	>	you		>	you
	1592	notwithstanding anything to the contrary in this Addendum but subject to applica		1624	notwithstanding anything to the contrary in this Addendum but subject to applica
	>	ble law that		>	ble law that
	1593	does not allow the exclusion of certain warranties.		1625	does not allow the exclusion of certain warranties.
n	1594		n
	1595	6. Limitation of Liability		1626	6. Limitation of Liability
	1596	TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT NEITHER WE NOR ANY OF		1627	TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT NEITHER WE NOR ANY OF
	1597	OUR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS (INCLUDING AGGREGATION VENDOR),		1628	OUR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS (INCLUDING AGGREGATION VENDOR),
	1600	(COLLECTIVELY, “SERVICE PARTIES”) WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR A		1631	(COLLECTIVELY, “SERVICE PARTIES”) WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR A
	>	NY		>	NY
	1601	DAMAGES, CLAIMS, OR LOSSES (INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL,		1632	DAMAGES, CLAIMS, OR LOSSES (INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
	1602	COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES), INCLUDING DAMAGES FOR		1633	COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES), INCLUDING DAMAGES FOR
n			n	1634
	1603	LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, HOWSOEVER		1635	LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, HOWSOEVER
	1604	CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT		1636	CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT
	1605	LIABILITY, OR OTHERWISE, AND EVEN IF WE OR OUR SUBCONTRACTORS HAVE BEEN ADVISED		1637	LIABILITY, OR OTHERWISE, AND EVEN IF WE OR OUR SUBCONTRACTORS HAVE BEEN ADVISED
	1634	TRADING LOSSES, LOSS OF PROFITS, GOODWILL, USE, DATA, BUSINESS INTERRUPTION, LOS		1666	TRADING LOSSES, LOSS OF PROFITS, GOODWILL, USE, DATA, BUSINESS INTERRUPTION, LOS
	>	S		>	S
	1635	OF PRIVACY, OR OTHER LOSSES OR DAMAGES OF ANY KIND ARISING FROM OR RELATED TO		1667	OF PRIVACY, OR OTHER LOSSES OR DAMAGES OF ANY KIND ARISING FROM OR RELATED TO
	1636	YOUR USE OF, OR INABILITY TO USE, THE AGGREGATION SERVICE; OR (Q) ANY OTHER		1668	YOUR USE OF, OR INABILITY TO USE, THE AGGREGATION SERVICE; OR (Q) ANY OTHER
n	1637		n
	1638	MATTER ARISING FROM OR RELATED TO THE AGGREGATION SERVICE OR YOUR USE OF		1669	MATTER ARISING FROM OR RELATED TO THE AGGREGATION SERVICE OR YOUR USE OF
	1639	REPORTS GENERATED USING AGGREGATED DATA. THE FOREGOING EXCULPATION		1670	REPORTS GENERATED USING AGGREGATED DATA. THE FOREGOING EXCULPATION
	1640	PROVISIONS ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN US		1671	PROVISIONS ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN US
	1642	HOWEVER, IN NO EVENT WILL WE BE LIABLE TO YOU FOR DIRECT DAMAGES CAUSED BY US IN		1673	HOWEVER, IN NO EVENT WILL WE BE LIABLE TO YOU FOR DIRECT DAMAGES CAUSED BY US IN
	1643	EXCESS OF $1.00; THIS LIMITED REMEDY IS AGREED TO BY YOU AND SURVIVES A FAILURE		1674	EXCESS OF $1.00; THIS LIMITED REMEDY IS AGREED TO BY YOU AND SURVIVES A FAILURE
	>	OF		>	OF
	1644	ITS ESSENTIAL PURPOSE.		1675	ITS ESSENTIAL PURPOSE.
n			n	1676
	1645	Addendum:		1677	Addendum:
	1646	ACH Collections Service		1678	ACH Collections Service
	1647	(For Business Customers Only)		1679	(For Business Customers Only)
	1670	located within the United States, subject to our approval, and you agree to use		1702	located within the United States, subject to our approval, and you agree to use
	>	the ACH		>	the ACH
	1671	Collections Service only to issue Instructions for lawful purposes. To use the A		1703	Collections Service only to issue Instructions for lawful purposes. To use the A
	>	CH Collections		>	CH Collections
	1672	Service you must provide sufficient information online to us to properly identif		1704	Service you must provide sufficient information online to us to properly identif
	>	y your Payor(s)		>	y your Payor(s)
n	1673		n
	1674	(including whether a Payor is an individual or a business), direct your collecti		1705	(including whether a Payor is an individual or a business), direct your collecti
	>	on and permit		>	on and permit
	1675	the Payor to identify you as the originator of the Debit Entry to the Payor’s ac		1706	the Payor to identify you as the originator of the Debit Entry to the Payor’s ac
	>	count. You must		>	count. You must
	1676	complete all required fields with accurate information, as directed by the ACH C		1707	complete all required fields with accurate information, as directed by the ACH C
	>	ollections		>	ollections
	1679	we receive through the ACH Collections Service. You further authorize us to upda		1710	we receive through the ACH Collections Service. You further authorize us to upda
	>	te or change		>	te or change
	1680	any of your Payor information as requested or provided by your Payor. When we re		1711	any of your Payor information as requested or provided by your Payor. When we re
	>	ceive a		>	ceive a
	1681	collection Instruction in your name (either Current Day or Future Dated), we wil		1712	collection Instruction in your name (either Current Day or Future Dated), we wil
	>	l originate a		>	l originate a
n			n	1713
	1682	Debit Entry to the Payor’s account on your behalf. All ACH Collections (other th		1714	Debit Entry to the Payor’s account on your behalf. All ACH Collections (other th
	>	an Repeating		>	an Repeating
	1683	ACH Collections) that are initiated on any non-Business Day or after the Cutoff		1715	ACH Collections) that are initiated on any non-Business Day or after the Cutoff
	>	Time on any		>	Time on any
	1684	Business Day, will reflect a Send On Date of the next Business Day.		1716	Business Day, will reflect a Send On Date of the next Business Day.
	1710	charged for each ACH Collection in excess of twenty-five (25) in any given month		1742	charged for each ACH Collection in excess of twenty-five (25) in any given month
	>	. The		>	. The
	1711	recurring monthly service fee will be assessed to the account designated by you		1743	recurring monthly service fee will be assessed to the account designated by you
	>	as the		>	as the
	1712	“Primary Account” for the ACH Collections Service. Upon each occurrence of a col		1744	“Primary Account” for the ACH Collections Service. Upon each occurrence of a col
	>	lection		>	lection
n	1713		n
	1714	reversal request, an additional fee of $2.50 will be charged. Additionally, a fe		1745	reversal request, an additional fee of $2.50 will be charged. Additionally, a fe
	>	e of $2.50 will be		>	e of $2.50 will be
	1715	charged for each time an item is returned for any reason by the Payor’s bank (un		1746	charged for each time an item is returned for any reason by the Payor’s bank (un
	>	less the		>	less the
	1716	account is a Chase Analysis Business Checking account or Chase Analysis Business		1747	account is a Chase Analysis Business Checking account or Chase Analysis Business
	>	Checking		>	Checking
	1718	be assessed to the account designated by you as the “Primary Account” for the AC		1749	be assessed to the account designated by you as the “Primary Account” for the AC
	>	H		>	H
	1719	Collections Service. J.P. Morgan Chase reserves the right, from time to time upo		1750	Collections Service. J.P. Morgan Chase reserves the right, from time to time upo
	>	n notice to		>	n notice to
	1720	you to add, delete or modify charges.		1751	you to add, delete or modify charges.
n			n	1752
	1721	4. Cutoff Times; ACH Deliver By Date		1753	4. Cutoff Times; ACH Deliver By Date
	1722	All transmissions to J.P. Morgan Chase must be completed by J.P. Morgan Chase’s		1754	All transmissions to J.P. Morgan Chase must be completed by J.P. Morgan Chase’s
	>	established		>	established
	1723	Cutoff Times in order for processing to commence on the same Business Day. Any		1755	Cutoff Times in order for processing to commence on the same Business Day. Any
	1748	aggregate value of all outstanding Debit Entries that J.P. Morgan Chase will rel		1780	aggregate value of all outstanding Debit Entries that J.P. Morgan Chase will rel
	>	ease on your		>	ease on your
	1749	behalf. Such limits will be subject to revision or cancellation by J.P. Morgan C		1781	behalf. Such limits will be subject to revision or cancellation by J.P. Morgan C
	>	hase at any time		>	hase at any time
	1750	without prior notice.		1782	without prior notice.
n	1751		n
	1752	7. Collections via ACH		1783	7. Collections via ACH
	1753	ACH Collections are transmitted via the ACH network. ACH Collections are allowed		1784	ACH Collections are transmitted via the ACH network. ACH Collections are allowed
	>	only to		>	only to
	1754	Payors with accounts at ACH member banks. You will be notified via a message on		1785	Payors with accounts at ACH member banks. You will be notified via a message on
	>	our Digital		>	our Digital
	1755	Platforms or email only if there is a problem or an error with the information y		1786	Platforms or email only if there is a problem or an error with the information y
	>	ou originally		>	ou originally
	1756	transmitted.		1787	transmitted.
n			n	1788
	1757	8. ACH Rules		1789	8. ACH Rules
	1758	Your issuance of Instructions and our processing and release of such Instruction		1790	Your issuance of Instructions and our processing and release of such Instruction
	>	s to the ACH		>	s to the ACH
	1759	system shall be pursuant to the terms of this Agreement and the Rules. Undefined		1791	system shall be pursuant to the terms of this Agreement and the Rules. Undefined
	>	capitalized		>	capitalized
	1783	expiration of such period will not be honored. Reversal requests are accepted un		1815	expiration of such period will not be honored. Reversal requests are accepted un
	>	der the		>	der the
	1784	express understanding that J.P. Morgan Chase does not guarantee that the request		1816	express understanding that J.P. Morgan Chase does not guarantee that the request
	>	will be		>	will be
	1785	honored by the RDFI. Reversal requests, reversals that have been processed and o		1817	honored by the RDFI. Reversal requests, reversals that have been processed and o
	>	ther		>	ther
n	1786		n
	1787	reversal activity will not be reflected on your Services status report.		1818	reversal activity will not be reflected on your Services status report.
	1788	12. Name/Identifying Number Inconsistencies		1819	12. Name/Identifying Number Inconsistencies
	1789	In processing and transmitting Instructions and Entries issued in your name, J.P		1820	In processing and transmitting Instructions and Entries issued in your name, J.P
	>	. Morgan		>	. Morgan
	1790	Chase may rely upon the identifying number (e.g., bank routing number or Payor a		1821	Chase may rely upon the identifying number (e.g., bank routing number or Payor a
	>	ccount		>	ccount
	1791	number) of any bank or Payor identified in the Instructions. The RDFI may debit		1822	number) of any bank or Payor identified in the Instructions. The RDFI may debit
	>	the account		>	the account
n			n	1823
	1792	of the Payor on the basis of an account number, even if it identifies a person d		1824	of the Payor on the basis of an account number, even if it identifies a person d
	>	ifferent from		>	ifferent from
	1793	the Payor. You assume full responsibility for any inconsistency between name and		1825	the Payor. You assume full responsibility for any inconsistency between name and
	>	identifying		>	identifying
	1794	number of any bank or Payor in Instructions issued in your name and in any Entri		1826	number of any bank or Payor in Instructions issued in your name and in any Entri
	>	es		>	es
	1821	any fees if your ACH Collections Service is cancelled. When you cancel the ACH C		1853	any fees if your ACH Collections Service is cancelled. When you cancel the ACH C
	>	ollections		>	ollections
	1822	Service, such cancellation will have no impact on the other Services or account		1854	Service, such cancellation will have no impact on the other Services or account
	>	relationships,		>	relationships,
	1823	if any, with us.		1855	if any, with us.
n	1824		n
	1825	15. Definitions		1856	15. Definitions
	1826	• “ACH” refers to the Automated Clearing House network, which is used for busine		1857	• “ACH” refers to the Automated Clearing House network, which is used for busine
	>	ss		>	ss
	1827	customers enrolled in the ACH Collections Service, to route ACH Collections to P		1858	customers enrolled in the ACH Collections Service, to route ACH Collections to P
	>	ayor		>	ayor
	1828	accounts.		1859	accounts.
	1829	• “ACH Collection” refers to a debit entry sent via the ACH or internally (if th		1860	• “ACH Collection” refers to a debit entry sent via the ACH or internally (if th
	>	e Payor’s		>	e Payor’s
n			n	1861
	1830	account is maintained at J.P. Morgan Chase) for the transfer of money from the P		1862	account is maintained at J.P. Morgan Chase) for the transfer of money from the P
	>	ayor’s		>	ayor’s
	1831	account to a Deposit To account, available only to business customers enrolled i		1863	account to a Deposit To account, available only to business customers enrolled i
	>	n the		>	n the
	1832	ACH Collections Service.		1864	ACH Collections Service.
	1859	(For Business Customers Only)		1891	(For Business Customers Only)
	1860	Last updated: 12/11/2025		1892	Last updated: 12/11/2025
	1861	This Addendum governs your use of the service for you to use to make an ACH Paym		1893	This Addendum governs your use of the service for you to use to make an ACH Paym
	>	ent (the		>	ent (the
n	1862		n
	1863	“ACH Payment Services” or for purposes of this Addendum, the “Services”). Except		1894	“ACH Payment Services” or for purposes of this Addendum, the “Services”). Except
	>	as		>	as
	1864	otherwise set forth in this Addendum (including Section 13 below), all capitaliz		1895	otherwise set forth in this Addendum (including Section 13 below), all capitaliz
	>	ed terms used		>	ed terms used
	1865	but not defined herein shall have the meaning set forth in the General Terms and		1896	but not defined herein shall have the meaning set forth in the General Terms and
	>	Conditions.		>	Conditions.
	1866	You must supervise persons you have authorized to use the ACH Payment Services o		1897	You must supervise persons you have authorized to use the ACH Payment Services o
	>	n your		>	n your
	1867	behalf. You are responsible for your authorized users’ use of the ACH Payment Se		1898	behalf. You are responsible for your authorized users’ use of the ACH Payment Se
	>	rvices.		>	rvices.
n			n	1899
	1868	You can use the ACH Payment Services to send an ACH Payment from your eligible c		1900	You can use the ACH Payment Services to send an ACH Payment from your eligible c
	>	hecking		>	hecking
	1869	account to a Payee’s account. Only business banking and private banking business		1901	account to a Payee’s account. Only business banking and private banking business
	>	customers		>	customers
	1870	who enter into an applicable deposit account agreement with us may use the ACH P		1902	who enter into an applicable deposit account agreement with us may use the ACH P
	>	ayment		>	ayment
	1882	us Instructions, you authorize us to complete your Instructions. You authorize u		1914	us Instructions, you authorize us to complete your Instructions. You authorize u
	>	s to		>	s to
	1883	electronically debit the From Account listed in your Instructions. You may only		1915	electronically debit the From Account listed in your Instructions. You may only
	>	send ACH		>	send ACH
	1884	Payments to Payees in the United States with accounts at ACH member banks. You a		1916	Payments to Payees in the United States with accounts at ACH member banks. You a
	>	uthorize		>	uthorize
n	1885	us to update your Payee’s information if your Payee’ banks asks us to do so. You	n	1917	us to update your Payee’s information if your Payee’s banks asks us to do so. Yo
	>	will be		>	u will be
	1886	notified when we update a Payee’s information. You additionally agree that you w		1918	notified when we update a Payee’s information. You additionally agree that you w
	>	ill make the		>	ill make the
	1887	necessary changes on your systems when we update a Payee’s information at their		1919	necessary changes on your systems when we update a Payee’s information at their
	>	request		>	request
	1888	and notify you.		1920	and notify you.
	1898	You must give us an Employee’s voided check or deposit slip for the Employee’s c		1930	You must give us an Employee’s voided check or deposit slip for the Employee’s c
	>	hecking		>	hecking
	1899	account if we ask for it. The Services should not be your permanent record for a		1931	account if we ask for it. The Services should not be your permanent record for a
	>	ccounting, tax		>	ccounting, tax
	1900	or any other purpose.		1932	or any other purpose.
n	1901		n
	1902	Entitlements to make Payments to employee or vendor Payees can be managed		1933	Entitlements to make Payments to employee or vendor Payees can be managed
	1903	independently for authorized users.		1934	independently for authorized users.
	1904	We may limit the amount of money you can send in one (1) ACH Payment or in one (		1935	We may limit the amount of money you can send in one (1) ACH Payment or in one (
	>	1) day.		>	1) day.
	1905	We may establish lower transaction limits for you and may block or reject any tr		1936	We may establish lower transaction limits for you and may block or reject any tr
	>	ansaction		>	ansaction
	1906	that exceed(s) the limit(s). You will be notified when a transaction is blocked		1937	that exceed(s) the limit(s). You will be notified when a transaction is blocked
	>	or rejected via a		>	or rejected via a
n			n	1938
	1907	message on our Digital Platforms or in your transaction history on Chase Online.		1939	message on our Digital Platforms or in your transaction history on Chase Online.
	>	The current		>	The current
	1908	limit for a single Same-Day ACH Payment is $100,000. We may establish lower tran		1940	limit for a single Same-Day ACH Payment is $100,000. We may establish lower tran
	>	saction		>	saction
	1909	limits for you and may block any attempted Same-Day ACH transaction that exceed(		1941	limits for you and may block any attempted Same-Day ACH transaction that exceed(
	>	s) the		>	s) the
	1937	Repeating ACH Payment Instructions 1 Business Day before the ACH Deliver		1969	Repeating ACH Payment Instructions 1 Business Day before the ACH Deliver
	1938	received by us at least one day before By Date		1970	received by us at least one day before By Date
	1939	the Deliver By date		1971	the Deliver By date
n	1940		n
	1941	Repeating ACH Payment Instructions 2 Business Days before date		1972	Repeating ACH Payment Instructions 2 Business Days before date
	1942	with Deliver By date on a non-Business		1973	with Deliver By date on a non-Business
	1943	Day		1974	Day
	1944	Employee ACH Payment Instructions 1 Business Day before the ACH Deliver		1975	Employee ACH Payment Instructions 1 Business Day before the ACH Deliver
	1945	received by us before the Deliver By By Date		1976	received by us before the Deliver By By Date
n			n	1977
	1946	date		1978	date
	1947	Repeating Employee ACH Payment 1 Business Day before the ACH Deliver		1979	Repeating Employee ACH Payment 1 Business Day before the ACH Deliver
	1948	Instructions received by us before the By Date		1980	Instructions received by us before the By Date
	1976	You may cancel any Pending ACH Payment by the Cutoff Time on the Send On Date. I		2008	You may cancel any Pending ACH Payment by the Cutoff Time on the Send On Date. I
	>	f we		>	f we
	1977	already debited your From Account, we will refund the funds for the Cancelled AC		2009	already debited your From Account, we will refund the funds for the Cancelled AC
	>	H Payment		>	H Payment
	1978	by the following Business Day. You may not change Instructions or Pending paymen		2010	by the following Business Day. You may not change Instructions or Pending paymen
	>	ts after		>	ts after
n	1979		n
	1980	you schedule them.		2011	you schedule them.
	1981	You may also cancel a Funded Employee payment if you contact us by the Cutoff Ti		2012	You may also cancel a Funded Employee payment if you contact us by the Cutoff Ti
	>	me on the		>	me on the
	1982	Send On Date.		2013	Send On Date.
n			n	2014
	1983	2. Fees		2015	2. Fees
	1984	You must choose a Primary Account when you enroll for the ACH Payment Service. Y		2016	You must choose a Primary Account when you enroll for the ACH Payment Service. Y
	>	ou		>	ou
	1985	authorize us to withdraw ACH Payment and Same-Day ACH fees from your Primary		2017	authorize us to withdraw ACH Payment and Same-Day ACH fees from your Primary
	2009	By Date if you have enough funds available on the Send On Date.		2041	By Date if you have enough funds available on the Send On Date.
	2010	5. Notifications		2042	5. Notifications
	2011	We will notify you if there is a problem with your Instructions with a message v		2043	We will notify you if there is a problem with your Instructions with a message v
	>	ia a message		>	ia a message
n	2012		n
	2013	on our Digital Platforms or your primary email address on file.		2044	on our Digital Platforms or your primary email address on file.
	2014	6. ACH Rules		2045	6. ACH Rules
n			n	2046
	2015	When we use capitalized terms in this Addendum not defined in this Addendum or i		2047	When we use capitalized terms in this Addendum not defined in this Addendum or i
	>	n the		>	n the
	2016	General Terms and Conditions, the definition in the ACH Rules applies. The ACH R		2048	General Terms and Conditions, the definition in the ACH Rules applies. The ACH R
	>	ules govern		>	ules govern
	2017	the Entries we send on your behalf unless you and we agree otherwise. You and we		2049	the Entries we send on your behalf unless you and we agree otherwise. You and we
	>	are		>	are
	2043	do not receive final settlement. You will not see your reversal request on your		2075	do not receive final settlement. You will not see your reversal request on your
	>	Services status		>	Services status
	2044	report.		2076	report.
	2045	10. Name/Identifying Number Inconsistencies		2077	10. Name/Identifying Number Inconsistencies
n	2046		n
	2047	We may rely on the identifying number of any bank or Payee in your Instructions.		2078	We may rely on the identifying number of any bank or Payee in your Instructions.
	>	The RDFI		>	The RDFI
	2048	may credit or debit the Payee’s account based on an account number, even if the		2079	may credit or debit the Payee’s account based on an account number, even if the
	>	account		>	account
	2049	number identifies a person different from the Receiver. You are responsible for		2080	number identifies a person different from the Receiver. You are responsible for
	>	any		>	any
n			n	2081
	2050	differences between the name and identifying number of any bank or Receiver in y		2082	differences between the name and identifying number of any bank or Receiver in y
	>	our		>	our
	2051	Instructions.		2083	Instructions.
	2052	11. Securities Procedures		2084	11. Securities Procedures
	2081	(b) our or the RDFI’s compliance with your request.		2113	(b) our or the RDFI’s compliance with your request.
	2082	13. Cancellation of the ACH Payment Service		2114	13. Cancellation of the ACH Payment Service
	2083	You can cancel the ACH Payment Service by calling 877-CHASEPC (877-242-7372), op		2115	You can cancel the ACH Payment Service by calling 877-CHASEPC (877-242-7372), op
	>	tion 3.		>	tion 3.
n	2084		n
	2085	When you call us, we may also require you to put your request in writing. When y		2116	When you call us, we may also require you to put your request in writing. When y
	>	ou cancel		>	ou cancel
	2086	the ACH Payment Service, you will no longer be able to access any of your ACH Pa		2117	the ACH Payment Service, you will no longer be able to access any of your ACH Pa
	>	yment		>	yment
	2087	Service features. Fees applicable to the ACH Payment Service will continue to ap		2118	Service features. Fees applicable to the ACH Payment Service will continue to ap
	>	ply for up to		>	ply for up to
n			n	2119
	2088	two months after you cancel the ACH Payment Service. You will not receive a refu		2120	two months after you cancel the ACH Payment Service. You will not receive a refu
	>	nd of any		>	nd of any
	2089	fees if your ACH Payment Service is cancelled. When you cancel the ACH Payment S		2121	fees if your ACH Payment Service is cancelled. When you cancel the ACH Payment S
	>	ervice,		>	ervice,
	2090	such cancellation will have no impact on the other Services or account relations		2122	such cancellation will have no impact on the other Services or account relations
	>	hips, if any,		>	hips, if any,
	2119	Addendum:		2151	Addendum:
	2120	Bill Payment Service		2152	Bill Payment Service
	2121	Last updated: 1/25/2024		2153	Last updated: 1/25/2024
n	2122		n
	2123	This Addendum governs your use of the service to make Bill Payments (the “Bill P		2154	This Addendum governs your use of the service to make Bill Payments (the “Bill P
	>	ayment		>	ayment
	2124	Service” or for purposes of this Addendum, the “Service”). Except as otherwise s		2155	Service” or for purposes of this Addendum, the “Service”). Except as otherwise s
	>	et forth in		>	et forth in
	2125	this Addendum (including Section 11 below), all capitalized terms used but not d		2156	this Addendum (including Section 11 below), all capitalized terms used but not d
	>	efined herein		>	efined herein
n			n	2157
	2126	shall have the meaning set forth in the preamble on page one of the Agreement or		2158	shall have the meaning set forth in the preamble on page one of the Agreement or
	>	otherwise		>	otherwise
	2127	in General Terms and Conditions (e.g. in the Glossary).		2159	in General Terms and Conditions (e.g. in the Glossary).
	2128	Not all accounts are eligible for the Bill Payment Service. We reserve the right		2160	Not all accounts are eligible for the Bill Payment Service. We reserve the right
	>	to limit eligibility		>	to limit eligibility
	2156	• 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin		2188	• 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin
	>	g		>	g
	2157	or prepaid account		2189	or prepaid account
	2158	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase		2190	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
n	2159		n
	2160	checking account		2191	checking account
	2161	Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:		2192	Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:
n			n	2193
	2162	• 8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin		2194	• 8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin
	>	g		>	g
	2163	or prepaid account		2195	or prepaid account
	2164	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase		2196	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
	2191	Bill Payments to J.P. Morgan Chase mortgage loans:		2223	Bill Payments to J.P. Morgan Chase mortgage loans:
	2192	• 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin		2224	• 7:30 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin
	>	g		>	g
	2193	or prepaid account		2225	or prepaid account
n	2194		n
	2195	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase		2226	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
	2196	checking account		2227	checking account
	2197	Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:		2228	Bill Payments to J.P. Morgan Chase commercial term lending mortgage loans:
n			n	2229
	2198	• 8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin		2230	• 8:00 p.m. ET on any Business Day for payments from a J.P. Morgan Chase checkin
	>	g		>	g
	2199	or prepaid account		2231	or prepaid account
	2200	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase		2232	• 8:00 p.m. ET on any Business Day for payments from a non-J.P. Morgan Chase
	2226	Account, or charged to your J.P. Morgan Chase credit card, on the Send On Date.		2258	Account, or charged to your J.P. Morgan Chase credit card, on the Send On Date.
	>	In order to		>	In order to
	2227	authorize a Recurring Bill Payment, you agree to have means to print a copy of y		2259	authorize a Recurring Bill Payment, you agree to have means to print a copy of y
	>	our		>	our
	2228	authorization for your records. If you do not have a printer, you agree to conti		2260	authorization for your records. If you do not have a printer, you agree to conti
	>	nue to		>	nue to
n	2229		n
	2230	authorize a Repeating Bill Payment on a transaction-by-transaction basis until y		2261	authorize a Repeating Bill Payment on a transaction-by-transaction basis until y
	>	ou have		>	ou have
	2231	means of printing a copy of your authorization for your records.		2262	means of printing a copy of your authorization for your records.
	2232	If you order us to stop a Recurring Bill Payment three (3) Business Days or more		2263	If you order us to stop a Recurring Bill Payment three (3) Business Days or more
	>	before the		>	before the
	2233	Send On Date, and we do not do so, we will be liable to you for those losses or		2264	Send On Date, and we do not do so, we will be liable to you for those losses or
	>	damages as		>	damages as
n			n	2265
	2234	provided by law. If for any reason you cannot access the Online Services, you ma		2266	provided by law. If for any reason you cannot access the Online Services, you ma
	>	y also call		>	y also call
	2235	our customer service at 877-CHASEPC (877-242-7372) or write to online customer s		2267	our customer service at 877-CHASEPC (877-242-7372) or write to online customer s
	>	ervice at		>	ervice at
	2236	Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. If you call, we		2268	Online Customer Service, P. O. Box 2558, Houston, TX 77252-9968. If you call, we
	>	may also		>	may also
	2264	your accounts for the amount of the overdraft.		2296	your accounts for the amount of the overdraft.
	2265	Further, for Bill Payments to certain eligible healthcare providers only, you au		2297	Further, for Bill Payments to certain eligible healthcare providers only, you au
	>	thorize us to		>	thorize us to
	2266	charge your J.P. Morgan Chase credit card for any eligible Bill Payments to cert		2298	charge your J.P. Morgan Chase credit card for any eligible Bill Payments to cert
	>	ain healthcare		>	ain healthcare
n	2267		n
	2268	providers that you initiate using your J.P. Morgan Chase credit card and you agr		2299	providers that you initiate using your J.P. Morgan Chase credit card and you agr
	>	ee to have		>	ee to have
	2269	sufficient available credit balance on the Send On Date or Bill Payment date for		2300	sufficient available credit balance on the Send On Date or Bill Payment date for
	>	each such Bill		>	each such Bill
	2270	Payment you schedule. If your J.P. Morgan Chase credit card payment is rejected		2301	Payment you schedule. If your J.P. Morgan Chase credit card payment is rejected
	>	for any		>	for any
	2271	reason, we will not retry the Bill Payment and you will be notified of the faile		2302	reason, we will not retry the Bill Payment and you will be notified of the faile
	>	d attempt to		>	d attempt to
	2272	charge your J.P. Morgan Chase credit card. You agree that we may, at our option,		2303	charge your J.P. Morgan Chase credit card. You agree that we may, at our option,
	>	follow your		>	follow your
n			n	2304
	2273	Instructions to make Bill Payments to a named Payee, even though a charge to you		2305	Instructions to make Bill Payments to a named Payee, even though a charge to you
	>	r J.P.		>	r J.P.
	2274	Morgan Chase credit card may cause you to exceed your credit limit.		2306	Morgan Chase credit card may cause you to exceed your credit limit.
	2275	WE ARE NOT RESPONSIBLE FOR ANY OVER-THE-CREDIT-LIMIT FEE, OR CHARGES IMPOSED OR		2307	WE ARE NOT RESPONSIBLE FOR ANY OVER-THE-CREDIT-LIMIT FEE, OR CHARGES IMPOSED OR
	2304	reflected in these Terms. To use the Bill Payment Service you must provide suffi		2336	reflected in these Terms. To use the Bill Payment Service you must provide suffi
	>	cient		>	cient
	2305	information online to us to properly identify your Payees, direct your payment a		2337	information online to us to properly identify your Payees, direct your payment a
	>	nd		>	nd
	2306	permit the Payee to identify you as the payment source upon receipt of a payment		2338	permit the Payee to identify you as the payment source upon receipt of a payment
	>	. You		>	. You
n	2307		n
	2308	must complete all required fields with accurate information, as directed by scre		2339	must complete all required fields with accurate information, as directed by scre
	>	en		>	en
	2309	messages. By providing us with the names and account information of those Payees		2340	messages. By providing us with the names and account information of those Payees
	>	to		>	to
	2310	whom you wish us to direct payment, you authorize us to follow the Instructions		2341	whom you wish us to direct payment, you authorize us to follow the Instructions
	>	that we		>	that we
	2311	receive through the Bill Payment Service. You further authorize us to update or		2342	receive through the Bill Payment Service. You further authorize us to update or
	>	change		>	change
	2312	any of your Payee information (including changes to account information, Payee n		2343	any of your Payee information (including changes to account information, Payee n
	>	ame		>	ame
n			n	2344
	2313	and mailing address) as requested or provided by your Payee, the U.S. Post Offic		2345	and mailing address) as requested or provided by your Payee, the U.S. Post Offic
	>	e or		>	e or
	2314	pursuant to any updates or changes through other tools and resources we may use		2346	pursuant to any updates or changes through other tools and resources we may use
	2315	from time to time to effectuate the Bill Payment. When we receive an Instruction		2347	from time to time to effectuate the Bill Payment. When we receive an Instruction
	>	(for a		>	(for a
	2347	Payee will be processed electronically and the Send On Date will be changed acco		2379	Payee will be processed electronically and the Send On Date will be changed acco
	>	rdingly		>	rdingly
	2348	for all subsequent payments. In case of payment delivery errors, we will modify		2380	for all subsequent payments. In case of payment delivery errors, we will modify
	>	the		>	the
	2349	payment delivery method accordingly, i.e. if an electronic payment is undelivera		2381	payment delivery method accordingly, i.e. if an electronic payment is undelivera
	>	ble or		>	ble or
n	2350		n
	2351	Payee cannot accept an electronic payment due to a temporary issue, the payment		2382	Payee cannot accept an electronic payment due to a temporary issue, the payment
	>	may		>	may
	2352	be resubmitted by check. We will notify you via email if the Delivery Method ind		2383	be resubmitted by check. We will notify you via email if the Delivery Method ind
	>	icated		>	icated
	2353	for your scheduled payments changes to a slower Delivery Method, i.e. one that		2384	for your scheduled payments changes to a slower Delivery Method, i.e. one that
	2354	increases the delivery time of your payment; otherwise, you will not be notified		2385	increases the delivery time of your payment; otherwise, you will not be notified
	>	of		>	of
	2355	Delivery Method changes. Once an electronic payment is indicated on screen as		2386	Delivery Method changes. Once an electronic payment is indicated on screen as
n			n	2387
	2356	“Processed,” we no longer control or receive updates on the payment status and y		2388	“Processed,” we no longer control or receive updates on the payment status and y
	>	ou will		>	ou will
	2357	need to contact your Payee for further information. Please note that, in some si		2389	need to contact your Payee for further information. Please note that, in some si
	>	tuations,		>	tuations,
	2358	if a payment is scheduled to be sent electronically to a Payee who can no longer		2390	if a payment is scheduled to be sent electronically to a Payee who can no longer
	>	process		>	process
	2388	Cutoff Time has passed.		2420	Cutoff Time has passed.
	2389	For J.P. Morgan Chase credit card Bill Payments only, the Cutoff Times do not ap		2421	For J.P. Morgan Chase credit card Bill Payments only, the Cutoff Times do not ap
	>	ply and		>	ply and
	2390	you may cancel the payment any time before it is sent.		2422	you may cancel the payment any time before it is sent.
n	2391		n
	2392	c. Bill Payments to Chase Loans or Credit Accounts		2423	c. Bill Payments to Chase Loans or Credit Accounts
	2393	i. Bill Payments to Chase Loans or Credit Accounts: Only Business Days may be ch		2424	i. Bill Payments to Chase Loans or Credit Accounts: Only Business Days may be ch
	>	osen as		>	osen as
	2394	Payment dates for Chase Loans or Credit Accounts and Instructions must be receiv		2425	Payment dates for Chase Loans or Credit Accounts and Instructions must be receiv
	>	ed by		>	ed by
	2395	us by the Cutoff Time as stated above to receive credit on that same Business Da		2426	us by the Cutoff Time as stated above to receive credit on that same Business Da
	>	y;		>	y;
n			n	2427
	2396	Instructions received on any non-Business Day or after the Cutoff Time on any Bu		2428	Instructions received on any non-Business Day or after the Cutoff Time on any Bu
	>	siness		>	siness
	2397	Day will be processed on the next Business Day.		2429	Day will be processed on the next Business Day.
	2398	ii. Bill Payments to J.P. Morgan Chase Home Equity or Personal Loan or Line of C		2430	ii. Bill Payments to J.P. Morgan Chase Home Equity or Personal Loan or Line of C
	>	redit		>	redit
	2425	For Business Accounts: Even if the dual control function has been turned on for		2457	For Business Accounts: Even if the dual control function has been turned on for
	>	the Bill		>	the Bill
	2426	Payment Service, payments to healthcare providers using a J.P. Morgan Chase cred		2458	Payment Service, payments to healthcare providers using a J.P. Morgan Chase cred
	>	it card will		>	it card will
	2427	not be submitted for approval.		2459	not be submitted for approval.
n	2428		n
	2429	e. Duplicate Payments		2460	e. Duplicate Payments
	2430	If you submit a duplicate Bill Payment request, an error message may be displaye		2461	If you submit a duplicate Bill Payment request, an error message may be displaye
	>	d on our		>	d on our
	2431	website but you may choose to bypass the message and schedule the payment. If yo		2462	website but you may choose to bypass the message and schedule the payment. If yo
	>	u submit		>	u submit
	2432	a duplicate Bill Payment to a Chase Loan or Credit Account, an error message may		2463	a duplicate Bill Payment to a Chase Loan or Credit Account, an error message may
	>	be		>	be
	2433	displayed and such duplicate payments may not be permitted. No error message wil		2464	displayed and such duplicate payments may not be permitted. No error message wil
	>	l be		>	l be
n			n	2465
	2434	displayed for duplicate Bill Payments made through different methods (e.g., the		2466	displayed for duplicate Bill Payments made through different methods (e.g., the
	>	Bill Payment		>	Bill Payment
	2435	Service) and the payments will be processed as normal.		2467	Service) and the payments will be processed as normal.
	2436	f. Stale Dated Payments		2468	f. Stale Dated Payments
	2461	from the Payee, and any accommodations or exceptions will be agreed upon and mad		2493	from the Payee, and any accommodations or exceptions will be agreed upon and mad
	>	e		>	e
	2462	between you and the Payee and not J.P. Morgan Chase.		2494	between you and the Payee and not J.P. Morgan Chase.
	2463	b. Limitations. You must enroll each Payee individually in e-Bills. You also ack		2495	b. Limitations. You must enroll each Payee individually in e-Bills. You also ack
	>	nowledge		>	nowledge
n	2464		n
	2465	and agree that the right to activate and receive e-Bills for each Payee is limit		2496	and agree that the right to activate and receive e-Bills for each Payee is limit
	>	ed to one		>	ed to one
	2466	financial institution. If you activate e-Bills for a particular Payee through us		2497	financial institution. If you activate e-Bills for a particular Payee through us
	>	, you will no		>	, you will no
	2467	longer receive e-Bills for that Payee through the financial institution through		2498	longer receive e-Bills for that Payee through the financial institution through
	>	which		>	which
	2468	you’re currently receiving such e-Bills. Conversely, if you activate e-Bills for		2499	you’re currently receiving such e-Bills. Conversely, if you activate e-Bills for
	>	a particular		>	a particular
	2469	Payee through another financial institution, your action will effectively termin		2500	Payee through another financial institution, your action will effectively termin
	>	ate the e-		>	ate the e-
	2470	Bills service for that Payee and you will no longer receive such e-Bills through		2501	Bills service for that Payee and you will no longer receive such e-Bills through
	>	us.		>	us.
n			n	2502
	2471	c. Approval of e-Bills. Participating Payees establish their own criteria for re		2503	c. Approval of e-Bills. Participating Payees establish their own criteria for re
	>	viewing		>	viewing
	2472	requests to receive e-Bills and have sole discretion to accept or decline your r		2504	requests to receive e-Bills and have sole discretion to accept or decline your r
	>	equest. We		>	equest. We
	2473	do not participate in this decision. Participating Payees generally take up to f		2505	do not participate in this decision. Participating Payees generally take up to f
	>	ive (5)		>	ive (5)
	2505	responsibility;		2537	responsibility;
	2506	• e-Bills (and any content contained therein) may only be available in English,		2538	• e-Bills (and any content contained therein) may only be available in English,
	>	and		>	and
	2507	not in a foreign language, including Spanish, regardless of whether you currentl		2539	not in a foreign language, including Spanish, regardless of whether you currentl
	>	y		>	y
n	2508		n
	2509	receive a Payee’s bill in a foreign language, depending on the Payee. By using e		2540	receive a Payee’s bill in a foreign language, depending on the Payee. By using e
	>	-		>	-
	2510	Bills, you agree to receive the e-Bills in English, even if you use or access J.		2541	Bills, you agree to receive the e-Bills in English, even if you use or access J.
	>	P.		>	P.
	2511	Morgan Chase’s website, mobile application or J.P. Morgan Chase’s other products		2542	Morgan Chase’s website, mobile application or J.P. Morgan Chase’s other products
	2512	and services in a foreign language. You agree that J.P. Morgan Chase is not		2543	and services in a foreign language. You agree that J.P. Morgan Chase is not
	2513	responsible for delivering the e-Bills to you in a foreign language, and any		2544	responsible for delivering the e-Bills to you in a foreign language, and any
	2514	questions regarding this issue will be directed to your Payee;		2545	questions regarding this issue will be directed to your Payee;
n			n	2546
	2515	• the e-Bill summary (and any content contained therein) is accessible via scree		2547	• the e-Bill summary (and any content contained therein) is accessible via scree
	>	n		>	n
	2516	reader software and other Assistive Technology (“AT”) as presented on any J.P.		2548	reader software and other Assistive Technology (“AT”) as presented on any J.P.
	2517	Morgan Chase digital platform. The e-Bill summary may include the statement		2549	Morgan Chase digital platform. The e-Bill summary may include the statement
	2545	information about your rights and obligations regarding liability for activity o		2577	information about your rights and obligations regarding liability for activity o
	>	n your account. If		>	n your account. If
	2546	you perform transactions from a home equity line of credit or other credit accou		2578	you perform transactions from a home equity line of credit or other credit accou
	>	nt, please		>	nt, please
	2547	see your home equity line of credit or other credit documents for information ab		2579	see your home equity line of credit or other credit documents for information ab
	>	out your		>	out your
n	2548		n
	2549	liability for unauthorized charges or other errors or questions relative to thos		2580	liability for unauthorized charges or other errors or questions relative to thos
	>	e accounts. You		>	e accounts. You
	2550	should use your Consumer Account to send or receive payments for personal, famil		2581	should use your Consumer Account to send or receive payments for personal, famil
	>	y, or		>	y, or
	2551	household purposes, and you should use your Business Account to send or receive		2582	household purposes, and you should use your Business Account to send or receive
	>	payments		>	payments
	2552	for business purposes. In the case of errors or questions about your electronic		2583	for business purposes. In the case of errors or questions about your electronic
	>	funds		>	funds
	2553	transfers made through Payments and Transfers, please consult your account agree		2584	transfers made through Payments and Transfers, please consult your account agree
	>	ment for		>	ment for
	2554	details and reporting time frames.		2585	details and reporting time frames.
n			n	2586
	2555	If we tell you the Delivery Method for your payment is paper check and make the		2587	If we tell you the Delivery Method for your payment is paper check and make the
	>	payment by		>	payment by
	2556	paper check, the terms in this Section 8 do not apply to the payment. For inform		2588	paper check, the terms in this Section 8 do not apply to the payment. For inform
	>	ation on your		>	ation on your
	2557	rights and obligations involving erroneous paper checks (including paper checks		2589	rights and obligations involving erroneous paper checks (including paper checks
	>	you did not		>	you did not
	2583	Account, or theft of your user ID or Password within the time periods specified		2615	Account, or theft of your user ID or Password within the time periods specified
	>	in this		>	in this
	2584	Addendum and your account agreement. If you suspect any suspicious activity on y		2616	Addendum and your account agreement. If you suspect any suspicious activity on y
	>	our		>	our
	2585	account with us, notify us immediately at 877-CHASEPC (877-242-7372).		2617	account with us, notify us immediately at 877-CHASEPC (877-242-7372).
n	2586		n
	2587	• Your failure to follow the procedures or to otherwise fail to use the Bill Pay		2618	• Your failure to follow the procedures or to otherwise fail to use the Bill Pay
	>	ment Service		>	ment Service
	2588	in accordance with the terms of this Addendum.		2619	in accordance with the terms of this Addendum.
	2589	• Your Payee’s change to the Delivery Method resulting in an increase in process		2620	• Your Payee’s change to the Delivery Method resulting in an increase in process
	>	ing time		>	ing time
	2590	for your payments or your Payee mishandles or delays processing or posting a pay		2621	for your payments or your Payee mishandles or delays processing or posting a pay
	>	ment.		>	ment.
	2591	As a precondition to this guarantee, you agree not to enter into any agreements		2622	As a precondition to this guarantee, you agree not to enter into any agreements
	>	where one of		>	where one of
	2592	the purposes is to generate late payment fees. The risk of incurring and the res		2623	the purposes is to generate late payment fees. The risk of incurring and the res
	>	ponsibility for		>	ponsibility for
n			n	2624
	2593	paying any and all late charges or penalties shall be borne by you in the event		2625	paying any and all late charges or penalties shall be borne by you in the event
	>	you do not		>	you do not
	2594	follow the procedures or otherwise fail to use the Bill Payment Service in accor		2626	follow the procedures or otherwise fail to use the Bill Payment Service in accor
	>	dance with the		>	dance with the
	2595	terms of this Agreement.		2627	terms of this Agreement.
	2620	liability for any losses sustained after the expiration of such reporting period		2652	liability for any losses sustained after the expiration of such reporting period
	>	and you		>	and you
	2621	shall thereafter be precluded from asserting any such claim or error.		2653	shall thereafter be precluded from asserting any such claim or error.
	2622	c. Errors and Questions about Bill Payments for Business Deposit Accounts Only		2654	c. Errors and Questions about Bill Payments for Business Deposit Accounts Only
n	2623		n
	2624	In the case of errors or questions about your electronic funds transfers made th		2655	In the case of errors or questions about your electronic funds transfers made th
	>	rough		>	rough
	2625	Payments and Transfers, please consult your account agreement for details.		2656	Payments and Transfers, please consult your account agreement for details.
	2626	11. Definitions		2657	11. Definitions
	2627	• “Draft” refers to checks, or other negotiable instruments or items prepared by		2658	• “Draft” refers to checks, or other negotiable instruments or items prepared by
	>	us or our		>	us or our
n			n	2659
	2628	agents and issued pursuant to your Instructions under the Bill Payment Service.		2660	agents and issued pursuant to your Instructions under the Bill Payment Service.
	2629	• “Payment date” refers to the date you would like your payment sent, including		2661	• “Payment date” refers to the date you would like your payment sent, including
	2630	payment to your Chase Loan or Credit Account.		2662	payment to your Chase Loan or Credit Account.
	2654	2. Transmission of Data		2686	2. Transmission of Data
	2655	On each banking day, as defined in U.C.C. § 4-104 (“Banking Day”), that you rece		2687	On each banking day, as defined in U.C.C. § 4-104 (“Banking Day”), that you rece
	>	ive at least		>	ive at least
	2656	one Electronic Payment, we will use commercially reasonable efforts to deliver t		2688	one Electronic Payment, we will use commercially reasonable efforts to deliver t
	>	o you by		>	o you by
n	2657		n
	2658	means of secure e-mail or other method as determined by us, a report (the “Daily		2689	means of secure e-mail or other method as determined by us, a report (the “Daily
	>	Report”)		>	Report”)
	2659	containing Remittance Information. We will have no liability or responsibility f		2690	containing Remittance Information. We will have no liability or responsibility f
	>	or any		>	or any
	2660	inaccurate, incomplete or non-current information contained in the Remittance In		2691	inaccurate, incomplete or non-current information contained in the Remittance In
	>	formation.		>	formation.
	2661	Notwithstanding the foregoing, in no event shall we be deemed to breach this Add		2692	Notwithstanding the foregoing, in no event shall we be deemed to breach this Add
	>	endum or		>	endum or
	2662	be liable for any damages arising from its failure to deliver such Daily Reports		2693	be liable for any damages arising from its failure to deliver such Daily Reports
	>	for any reason.		>	for any reason.
n			n	2694
	2663	You agree to: (a) provide us with all information necessary to process the Elect		2695	You agree to: (a) provide us with all information necessary to process the Elect
	>	ronic		>	ronic
	2664	Payments; (b) ensure that your email address where Remittance Information will b		2696	Payments; (b) ensure that your email address where Remittance Information will b
	>	e sent is		>	e sent is
	2665	correct and assume any and all liability arising out of your provision of an inc		2697	correct and assume any and all liability arising out of your provision of an inc
	>	orrect email		>	orrect email
	2690	Addendum:		2722	Addendum:
	2691	Chase and J.P. Morgan QuickDeposit for Mobile		2723	Chase and J.P. Morgan QuickDeposit for Mobile
	2692	Last updated: 9/22/2022		2724	Last updated: 9/22/2022
n	2693		n
	2694	This Addendum governs your use of the Chase and J.P. Morgan QuickDeposit Service		2725	This Addendum governs your use of the Chase and J.P. Morgan QuickDeposit Service
	>	as		>	as
	2695	further described below (for purposes of this Addendum, the “Service”).		2726	further described below (for purposes of this Addendum, the “Service”).
	2696	1. Chase and J.P. Morgan QuickDeposit Service		2727	1. Chase and J.P. Morgan QuickDeposit Service
	2697	a. In order to enroll in the Service, you must be designated as an authorized si		2728	a. In order to enroll in the Service, you must be designated as an authorized si
	>	gner or		>	gner or
n			n	2729
	2698	owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or sa		2730	owner of a Private Bank deposit account with J.P. Morgan, a Chase checking or sa
	>	vings		>	vings
	2699	account, J.P. Morgan Wealth Management investment account and other accounts as		2731	account, J.P. Morgan Wealth Management investment account and other accounts as
	>	we		>	we
	2700	may determine in our sole discretion from time to time (each, an "Eligible Accou		2732	may determine in our sole discretion from time to time (each, an "Eligible Accou
	>	nt"). The		>	nt"). The
	2713	agree to follow any and all other procedures and instructions for use of the Ser		2745	agree to follow any and all other procedures and instructions for use of the Ser
	>	vice as		>	vice as
	2714	we may establish from time to time.		2746	we may establish from time to time.
	2715	b. As conditions to Chase’s and J.P. Morgan’s provision of the Service, you shal		2747	b. As conditions to Chase’s and J.P. Morgan’s provision of the Service, you shal
	>	l (i) maintain		>	l (i) maintain
n	2716	the Eligible Account(s) in good standing,(ii) subscribe to the Service and (iii)	n	2748	the Eligible Account(s) in good standing, (ii) subscribe to the Service and (iii
	>	comply with		>	) comply with
	2717	such restrictions on the Service as we may communicate to you from time to time.		2749	such restrictions on the Service as we may communicate to you from time to time.
	2718	c. You agree that: (i) after the Item has been scanned and submitted for deposit		2750	c. You agree that: (i) after the Item has been scanned and submitted for deposit
	>	, you shall		>	, you shall
	2719	not otherwise transfer or negotiate the original Item, substitute check or any o		2751	not otherwise transfer or negotiate the original Item, substitute check or any o
	>	ther		>	ther
	2732	the check deposit before but we review after 8:00 p.m. ET on a Business Day, or		2764	the check deposit before but we review after 8:00 p.m. ET on a Business Day, or
	>	the		>	the
	2733	client submits the check deposit on a non-Business Day, we will consider that th		2765	client submits the check deposit on a non-Business Day, we will consider that th
	>	e		>	e
	2734	deposit was made on the next business day.		2766	deposit was made on the next business day.
n	2735		n
	2736	f. You agree that Items submitted using the Service are not subject to the funds		2767	f. You agree that Items submitted using the Service are not subject to the funds
	>	availability		>	availability
	2737	requirements of Federal Reserve Board Regulation CC. Except for deposits to		2768	requirements of Federal Reserve Board Regulation CC. Except for deposits to
	2738	Investment accounts, funds from deposits made via the Service generally will be		2769	Investment accounts, funds from deposits made via the Service generally will be
	2739	available for withdrawal by the next Business Day after the day of deposit. Howe		2770	available for withdrawal by the next Business Day after the day of deposit. Howe
	>	ver, we		>	ver, we
	2740	may apply additional delays on the availability of funds based on any other fact		2771	may apply additional delays on the availability of funds based on any other fact
	>	ors as		>	ors as
	2741	determined by us in our sole discretion. For funds availability for deposits to		2772	determined by us in our sole discretion. For funds availability for deposits to
	>	Investment		>	Investment
n			n	2773
	2742	accounts, see Section 1(g).		2774	accounts, see Section 1(g).
	2743	g. Investment checks will usually be available for trading between 1 – 3 busines		2775	g. Investment checks will usually be available for trading between 1 – 3 busines
	>	s days after		>	s days after
	2744	review. The amount available for trading for J.P. Morgan Self-Directed Investing		2776	review. The amount available for trading for J.P. Morgan Self-Directed Investing
	>	accounts		>	accounts
	2775	account statements, as applicable, and in your online account activity. You will		2807	account statements, as applicable, and in your online account activity. You will
	>	also		>	also
	2776	receive a receipt on your mobile device at the time the deposit is completed thr		2808	receive a receipt on your mobile device at the time the deposit is completed thr
	>	ough the		>	ough the
	2777	Service.		2809	Service.
n	2778		n
	2779	2. Item Quality and Processing		2810	2. Item Quality and Processing
	2780	The image of an Item transmitted to us using the Service must be legible. If the		2811	The image of an Item transmitted to us using the Service must be legible. If the
	>	electronic files		>	electronic files
	2781	and/or images transmitted to us with respect to any Item do not comply with our		2812	and/or images transmitted to us with respect to any Item do not comply with our
	>	or our		>	or our
	2782	processor’s requirements for content and/or format, we may, in our sole discreti		2813	processor’s requirements for content and/or format, we may, in our sole discreti
	>	on:		>	on:
n			n	2814
	2783	• further transmit the Item and data in the form received from you;		2815	• further transmit the Item and data in the form received from you;
	2784	• repair or attempt to repair the Item or data and then further transmit it;		2816	• repair or attempt to repair the Item or data and then further transmit it;
	2785	• process the Item as photocopies in lieu of originals; or		2817	• process the Item as photocopies in lieu of originals; or
	2811	Addendum:		2843	Addendum:
	2812	Chase QuickDeposit Classic for Business Banking		2844	Chase QuickDeposit Classic for Business Banking
	2813	(For Business Customers Only)		2845	(For Business Customers Only)
n	2814		n
	2815	Last updated: 4/4/2024		2846	Last updated: 4/4/2024
	2816	This Addendum governs your use of the Chase QuickDeposit Service as described be		2847	This Addendum governs your use of the Chase QuickDeposit Service as described be
	>	low (for		>	low (for
	2817	purposes of this Addendum, the “Service”).		2848	purposes of this Addendum, the “Service”).
	2818	1. Chase QuickDeposit Service		2849	1. Chase QuickDeposit Service
n			n	2850
	2819	a. The Service allows you to make certain deposits to an eligible account electr		2851	a. The Service allows you to make certain deposits to an eligible account electr
	>	onically by		>	onically by
	2820	using a capture device to create an electronic image of an Item by scanning the		2852	using a capture device to create an electronic image of an Item by scanning the
	>	Item		>	Item
	2821	and transmitting it and related data to us. As part of the Service you must use		2853	and transmitting it and related data to us. As part of the Service you must use
	>	software		>	software
	2850	2. Deposit Limits		2882	2. Deposit Limits
	2851	a. You may make deposits to your account via a single feed check or multi-feed c		2883	a. You may make deposits to your account via a single feed check or multi-feed c
	>	heck		>	heck
	2852	feeder scanner (ordered from J.P. Morgan Chase), eligible mobile device or eligi		2884	feeder scanner (ordered from J.P. Morgan Chase), eligible mobile device or eligi
	>	ble tablet		>	ble tablet
n	2853		n
	2854	device. Notwithstanding the foregoing, if you are a Private Banking client, depo		2885	device. Notwithstanding the foregoing, if you are a Private Banking client, depo
	>	sits to an		>	sits to an
	2855	account may only be made via a single feed check or multi-feed check feeder scan		2886	account may only be made via a single feed check or multi-feed check feeder scan
	>	ner		>	ner
	2856	(ordered from J.P. Morgan Chase).		2887	(ordered from J.P. Morgan Chase).
	2858	amount that you may deposit during any thirty (30) day period to each Business A		2889	amount that you may deposit during any thirty (30) day period to each Business A
	>	ccount		>	ccount
	2859	via an eligible mobile device or eligible tablet device are subject to limits an		2890	via an eligible mobile device or eligible tablet device are subject to limits an
	>	d will be		>	d will be
	2860	displayed within the Service prior to each deposit. The maximum amount you may		2891	displayed within the Service prior to each deposit. The maximum amount you may
n			n	2892
	2861	deposit to each Business Account via a single feed check or multi-feed check fee		2893	deposit to each Business Account via a single feed check or multi-feed check fee
	>	der		>	der
	2862	scanner (ordered from J.P. Morgan Chase) on any day is $999,999,999.99, and the		2894	scanner (ordered from J.P. Morgan Chase) on any day is $999,999,999.99, and the
	2863	maximum aggregate amount that you may deposit to each account during any thirty		2895	maximum aggregate amount that you may deposit to each account during any thirty
	2889	for, the Item (either the original Item, or a paper or electronic representation		2921	for, the Item (either the original Item, or a paper or electronic representation
	>	of the		>	of the
	2890	original Item) such that the person will be asked to make payment based on an It		2922	original Item) such that the person will be asked to make payment based on an It
	>	em it		>	em it
	2891	has already paid;		2923	has already paid;
n	2892		n
	2893	• you will not redeposit through this Service any Item previously deposited and		2924	• you will not redeposit through this Service any Item previously deposited and
	>	returned		>	returned
	2894	to you unless we advise you otherwise;		2925	to you unless we advise you otherwise;
	2895	• you will employ commercially reasonable security measures and firewalls suffic		2926	• you will employ commercially reasonable security measures and firewalls suffic
	>	ient to		>	ient to
	2897	presentment;		2928	presentment;
	2898	• you will only transmit items that originated as paper Items;		2929	• you will only transmit items that originated as paper Items;
	2899	• you will comply with all laws and regulations applicable to you in your use of		2930	• you will comply with all laws and regulations applicable to you in your use of
	>	the Service		>	the Service
n			n	2931
	2900	and not use the Service for any purpose prohibited by foreign exchange regulatio		2932	and not use the Service for any purpose prohibited by foreign exchange regulatio
	>	ns,		>	ns,
	2901	postal regulations or any other treaty, statute, regulation or authority;		2933	postal regulations or any other treaty, statute, regulation or authority;
	2902	• if the you are depositing Items on behalf of third parties, the owner of the I		2934	• if the you are depositing Items on behalf of third parties, the owner of the I
	>	tem has		>	tem has
	2924	• $25.00 for single feed check feeder scanner		2956	• $25.00 for single feed check feeder scanner
	2925	• $50.00 for multi-feed check feeder scanner		2957	• $50.00 for multi-feed check feeder scanner
	2926	First Scanner:		2958	First Scanner:
n	2927		n
	2928	• No charge (with 24-month scanner agreement)		2959	• No charge (with 24-month scanner agreement)
	2929	Additional Scanner:		2960	Additional Scanner:
	2930	• $300 per single feed check scanner (plus applicable sales tax)		2961	• $300 per single feed check scanner (plus applicable sales tax)
	2931	• $600 per multi feed check scanner (plus applicable sales tax)		2962	• $600 per multi feed check scanner (plus applicable sales tax)
	2932	Transaction Fees:		2963	Transaction Fees:
n			n	2964
	2933	• See your deposit account agreement		2965	• See your deposit account agreement
	2934	Early Cancellation Fee:		2966	Early Cancellation Fee:
	2935	• $250.00		2967	• $250.00
	2957	Pay Service or the Reverse Positive Pay Service, you will no longer receive the		2989	Pay Service or the Reverse Positive Pay Service, you will no longer receive the
	>	original Items		>	original Items
	2958	with your account statement. When using Fraud Protection Services, it is a best		2990	with your account statement. When using Fraud Protection Services, it is a best
	>	practice to		>	practice to
	2959	monitor the security dashboard daily for pending transactions.		2991	monitor the security dashboard daily for pending transactions.
n	2960		n
	2961	2. Eligibility		2992	2. Eligibility
	2962	You shall maintain a checking account with us domiciled in the United States and		2993	You shall maintain a checking account with us domiciled in the United States and
	2963	denominated in US Dollars. Not all checking accounts are eligible for the Fraud		2994	denominated in US Dollars. Not all checking accounts are eligible for the Fraud
	>	Protection		>	Protection
	2964	Services, and we may change eligibility criteria and which checking accounts are		2995	Services, and we may change eligibility criteria and which checking accounts are
	>	eligible for		>	eligible for
	2965	any or all of the Fraud Protection Services at any time. Subject to checking acc		2996	any or all of the Fraud Protection Services at any time. Subject to checking acc
	>	ount eligibility,		>	ount eligibility,
	2966	you may also elect to unenroll a checking account from one of the Fraud Protecti		2997	you may also elect to unenroll a checking account from one of the Fraud Protecti
	>	on Services		>	on Services
n			n	2998
	2967	and to enroll that account in the other Fraud Protection Services at any time, b		2999	and to enroll that account in the other Fraud Protection Services at any time, b
	>	ut a change in		>	ut a change in
	2968	the Fraud Protection Services may result in a gap period during which none of th		3000	the Fraud Protection Services may result in a gap period during which none of th
	>	e Fraud		>	e Fraud
	2969	Protection Services is available with respect to that account for a few days. Yo		3001	Protection Services is available with respect to that account for a few days. Yo
	>	u take all		>	u take all
	2996	Information”). The Positive Pay Service does not compare the Payee name. The Pos		3028	Information”). The Positive Pay Service does not compare the Payee name. The Pos
	>	itive		>	itive
	2997	Pay Issuance Information provided by you must be exactly as it appears on the It		3029	Pay Issuance Information provided by you must be exactly as it appears on the It
	>	em.		>	em.
	2998	b. Discrepancies/Default Decision is Return.		3030	b. Discrepancies/Default Decision is Return.
n	2999		n
	3000	We will compare the Positive Pay Issuance Information provided by you with the		3031	We will compare the Positive Pay Issuance Information provided by you with the
	3001	corresponding information contained on the Items presented to us. If Items are		3032	corresponding information contained on the Items presented to us. If Items are
	3002	presented to us for which we have not received any Positive Pay Issuance Informa		3033	presented to us for which we have not received any Positive Pay Issuance Informa
	>	tion		>	tion
	3003	or containing information different from the Positive Pay Issuance Information f		3034	or containing information different from the Positive Pay Issuance Information f
	>	or that		>	or that
	3004	Item you provided, we will notify you by means of Chase Online or another transm		3035	Item you provided, we will notify you by means of Chase Online or another transm
	>	ission		>	ission
	3005	method selected by us, on the Business Day following the Business Day on which t		3036	method selected by us, on the Business Day following the Business Day on which t
	>	he		>	he
n			n	3037
	3006	discrepant Item is presented to us. We will provide you with information about a		3038	discrepant Item is presented to us. We will provide you with information about a
	>	ny		>	ny
	3007	discrepancy in the account number, Item serial number (i.e., check number), or d		3039	discrepancy in the account number, Item serial number (i.e., check number), or d
	>	ollar		>	ollar
	3008	amount thereof. You may then view the discrepant Item on Chase Online, and shall		3040	amount thereof. You may then view the discrepant Item on Chase Online, and shall
	3038	e. Voided Items or Stop Payments. You agree to indicate in the Positive Pay Issu		3070	e. Voided Items or Stop Payments. You agree to indicate in the Positive Pay Issu
	>	ance		>	ance
	3039	Information that an Item is void with respect to Items that are not in circulati		3071	Information that an Item is void with respect to Items that are not in circulati
	>	on. If you		>	on. If you
	3040	are not in possession of the original Item (or have not otherwise destroyed the		3072	are not in possession of the original Item (or have not otherwise destroyed the
	>	original		>	original
n	3041		n
	3042	Item while in your possession) and you wish to stop payment for such Item, then		3073	Item while in your possession) and you wish to stop payment for such Item, then
	>	you		>	you
	3043	must place a stop payment order for such Item.		3074	must place a stop payment order for such Item.
	3044	5. The Reverse Positive Pay Service.		3075	5. The Reverse Positive Pay Service.
	3045	a. Paid Information. For each Item drawn on an account enrolled in the Reverse P		3076	a. Paid Information. For each Item drawn on an account enrolled in the Reverse P
	>	ositive		>	ositive
n			n	3077
	3046	Pay Service and presented to us for payment that is in an amount greater than an		3078	Pay Service and presented to us for payment that is in an amount greater than an
	>	y		>	y
	3047	threshold amount that you may establish, we will notify you, by the Business Day		3079	threshold amount that you may establish, we will notify you, by the Business Day
	3048	following presentment of the Item, the following information via Chase Online or		3080	following presentment of the Item, the following information via Chase Online or
	3080	locations, you authorize us to pay the Item as long as we follow our usual and		3112	locations, you authorize us to pay the Item as long as we follow our usual and
	3081	customary over-the-counter encashment procedures (as amended from time to time).		3113	customary over-the-counter encashment procedures (as amended from time to time).
	3082	We may charge a person who cashes an Item drawn on your account a fee if that pe		3114	We may charge a person who cashes an Item drawn on your account a fee if that pe
	>	rson		>	rson
n	3083		n
	3084	is not our customer. You agree to unconditionally release, indemnify and hold th		3115	is not our customer. You agree to unconditionally release, indemnify and hold th
	>	e J.P.		>	e J.P.
	3085	Morgan Chase Indemnified Parties harmless against any and all Losses in connecti		3116	Morgan Chase Indemnified Parties harmless against any and all Losses in connecti
	>	on		>	on
	3086	with any third party claim resulting or arising from an Item being cashed over-t		3117	with any third party claim resulting or arising from an Item being cashed over-t
	>	he-		>	he-
	3087	counter, including our refusal to cash any Item. You acknowledge and agree that		3118	counter, including our refusal to cash any Item. You acknowledge and agree that
	>	the		>	the
	3088	Reverse Positive Pay Service may provide little, or no, protection to you with r		3119	Reverse Positive Pay Service may provide little, or no, protection to you with r
	>	espect to		>	espect to
	3089	Item presentment over-the-counter for encashment at our branches.		3120	Item presentment over-the-counter for encashment at our branches.
n			n	3121
	3090	6. ACH Debit Block Service		3122	6. ACH Debit Block Service
	3091	a. Authorized Originators. Upon enrollment in the ACH Debit Block Service, we wi		3123	a. Authorized Originators. Upon enrollment in the ACH Debit Block Service, we wi
	>	ll only		>	ll only
	3092	allow originators that you designate as an Authorized Originator to post ACH deb		3124	allow originators that you designate as an Authorized Originator to post ACH deb
	>	its to		>	its to
	3119	ORIGINATOR WILL BE ABLE TO POST ACH DEBITS TO THAT ACCOUNT, AS THEY		3151	ORIGINATOR WILL BE ABLE TO POST ACH DEBITS TO THAT ACCOUNT, AS THEY
	3120	WOULD HAVE BEEN ABLE TO DO BEFORE YOU ENROLLED THAT ACCOUNT IN THE		3152	WOULD HAVE BEEN ABLE TO DO BEFORE YOU ENROLLED THAT ACCOUNT IN THE
	3121	ACH DEBIT BLOCK SERVICE.		3153	ACH DEBIT BLOCK SERVICE.
n	3122		n
	3123	b. Blocked Originators. Upon enrollment in the ACH Debit Block Service, we will		3154	b. Blocked Originators. Upon enrollment in the ACH Debit Block Service, we will
	>	block all		>	block all
	3124	attempts to post ACH debits to your account by all originators not designated as		3155	attempts to post ACH debits to your account by all originators not designated as
	>	an		>	an
	3125	Authorized Originator. For clarity, any originator not designated as an Authoriz		3156	Authorized Originator. For clarity, any originator not designated as an Authoriz
	>	ed		>	ed
	3126	Originator by you is a Blocked Originator. To illustrate, the Internal Revenue S		3157	Originator by you is a Blocked Originator. To illustrate, the Internal Revenue S
	>	ervice as		>	ervice as
	3127	well as other taxing authorities will be Blocked Originators unless you expressl		3158	well as other taxing authorities will be Blocked Originators unless you expressl
	>	y		>	y
	3128	authorize them as Authorized Originators.		3159	authorize them as Authorized Originators.
n			n	3160
	3129	c. Transaction Limit. If you set a Transaction Limit for any Authorized Originat		3161	c. Transaction Limit. If you set a Transaction Limit for any Authorized Originat
	>	or, we will:		>	or, we will:
	3130	(i) allow that Authorized Originator to post ACH debits to your account up to th		3162	(i) allow that Authorized Originator to post ACH debits to your account up to th
	>	e		>	e
	3131	Transaction Limit you set for that Authorized Originator; and (ii) block the ful		3163	Transaction Limit you set for that Authorized Originator; and (ii) block the ful
	>	l amount of		>	l amount of
	3162	ii. We may override your ACH debit instructions and process certain ACH debits y		3194	ii. We may override your ACH debit instructions and process certain ACH debits y
	>	ou		>	ou
	3163	decide to return, including ACH debits we process per our internal procedures, t		3195	decide to return, including ACH debits we process per our internal procedures, t
	>	o		>	o
	3164	comply with any legal requirement, payment system rule or guidance.		3196	comply with any legal requirement, payment system rule or guidance.
n	3165		n
	3166	7. Unavailability of Service/Alternative Service		3197	7. Unavailability of Service/Alternative Service
	3167	In the event of a service disruption involving the Digital Platforms, generally,		3198	In the event of a service disruption involving the Digital Platforms, generally,
	>	or the Fraud		>	or the Fraud
	3168	Protection Services, specifically, we may, but shall not be obligated to, extend		3199	Protection Services, specifically, we may, but shall not be obligated to, extend
	>	applicable		>	applicable
	3169	Cutoff Times, or to fax, email or otherwise send Positive Pay Information and/or		3200	Cutoff Times, or to fax, email or otherwise send Positive Pay Information and/or
	>	Reverse		>	Reverse
	3170	Positive Pay Information to you, and we may, but shall not be obligated to, desi		3201	Positive Pay Information to you, and we may, but shall not be obligated to, desi
	>	gnate		>	gnate
n			n	3202
	3171	alternative procedures for utilization of the Fraud Protection Services and for		3203	alternative procedures for utilization of the Fraud Protection Services and for
	>	us to receive		>	us to receive
	3172	Positive Pay Issuance Information, Positive Pay Presentment Decisions, and Rever		3204	Positive Pay Issuance Information, Positive Pay Presentment Decisions, and Rever
	>	se Positive		>	se Positive
	3173	Pay Presentment Decisions. You should call Chase Online Customer Service at 877-		3205	Pay Presentment Decisions. You should call Chase Online Customer Service at 877-
	>	CHASEPC		>	CHASEPC
	3200	• “Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch		3232	• “Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the branch
	>	office		>	office
	3201	where the account is maintained.		3233	where the account is maintained.
	3202	• “Reverse Positive Pay Service” refers to the services described in Section 5 o		3234	• “Reverse Positive Pay Service” refers to the services described in Section 5 o
	>	f this		>	f this
n	3203		n
	3204	Addendum.		3235	Addendum.
	3205	• “Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the		3236	• “Reverse Positive Pay Service Cutoff Time” refers to 4:00 PM local time at the
	>	branch		>	branch
	3206	office where the account is maintained.		3237	office where the account is maintained.
	3207	• “Transaction Limit” refers to the maximum amount of a single ACH debit that ca		3238	• “Transaction Limit” refers to the maximum amount of a single ACH debit that ca
	>	n be		>	n be
	3208	posted to your account. You may set a Transaction Limit for an individual Author		3239	posted to your account. You may set a Transaction Limit for an individual Author
	>	ized		>	ized
	3209	Originator.		3240	Originator.
n			n	3241
	3210	Addendum:		3242	Addendum:
	3211	Gifting Service		3243	Gifting Service
	3212	Last updated: 10/4/2021		3244	Last updated: 10/4/2021
	3240	recipient. The name you enter will help you identify your intended recipient and		3272	recipient. The name you enter will help you identify your intended recipient and
	>	the		>	the
	3241	purchase in your transaction history but will not be used to process the Gift Ca		3273	purchase in your transaction history but will not be used to process the Gift Ca
	>	rd		>	rd
	3242	purchase or to validate that the intended recipient owns or has authorized acces		3274	purchase or to validate that the intended recipient owns or has authorized acces
	>	s to the		>	s to the
n	3243		n
	3244	email address you entered.		3275	email address you entered.
	3245	6. We will not process your payment for the Gift Card if you do not have suffici		3276	6. We will not process your payment for the Gift Card if you do not have suffici
	>	ent funds in		>	ent funds in
	3246	your designated From Account on the Send On Date or at the time the transaction		3277	your designated From Account on the Send On Date or at the time the transaction
	>	is		>	is
	3247	initiated for Current Day purchases of Gift Cards. If sufficient funds are not i		3278	initiated for Current Day purchases of Gift Cards. If sufficient funds are not i
	>	n the From		>	n the From
	3248	Account on the Send On Date or at the time the transaction is initiated for Curr		3279	Account on the Send On Date or at the time the transaction is initiated for Curr
	>	ent Day		>	ent Day
	3249	purchases, the Gift Card transaction will fail and we will not make repeat attem		3280	purchases, the Gift Card transaction will fail and we will not make repeat attem
	>	pts to		>	pts to
n			n	3281
	3250	debit the applicable account.		3282	debit the applicable account.
	3251	7. We will share your Gift Card information including recipient’s information wi		3283	7. We will share your Gift Card information including recipient’s information wi
	>	th our gift		>	th our gift
	3252	card service provider or the merchant, who will share the information with their		3284	card service provider or the merchant, who will share the information with their
	>	vendor.		>	vendor.
	3283	13. Gift Cards cannot be returned, refunded, replaced, or redeemed for cash.		3315	13. Gift Cards cannot be returned, refunded, replaced, or redeemed for cash.
	3284	14. Gift Cards may only be sent to a recipient in the United States and may only		3316	14. Gift Cards may only be sent to a recipient in the United States and may only
	>	be		>	be
	3285	redeemed within the United States.		3317	redeemed within the United States.
n	3286		n
	3287	Addendum: Invoicing Service		3318	Addendum: Invoicing Service
	3288	Last updated: June 2026		3319	Last updated: June 2026
	3289	This Addendum governs your use of the service to create, edit, send (via email,		3320	This Addendum governs your use of the service to create, edit, send (via email,
	>	text, or other		>	text, or other
	3290	messaging channels), track, and manage professional invoices (the “Invoicing Ser		3321	messaging channels), track, and manage professional invoices (the “Invoicing Ser
	>	vice”) for the		>	vice”) for the
n			n	3322
	3291	goods and services you provide to share with your customers (“Purchasers”), whic		3323	goods and services you provide to share with your customers (“Purchasers”), whic
	>	h can		>	h can
	3292	include the methods by which you wish to be paid. This Addendum is a legal agree		3324	include the methods by which you wish to be paid. This Addendum is a legal agree
	>	ment		>	ment
	3293	between you and WePay, Inc., a Delaware corporation (“WePay”). WePay is a subsid		3325	between you and WePay, Inc., a Delaware corporation (“WePay”). WePay is a subsid
	>	iary of		>	iary of
	3321	Invoicing Service. You further acknowledge and agree that we reserve the right t		3353	Invoicing Service. You further acknowledge and agree that we reserve the right t
	>	o terminate		>	o terminate
	3322	your use of the Invoicing Service if we determine you have included abusive, unr		3354	your use of the Invoicing Service if we determine you have included abusive, unr
	>	elated, or		>	elated, or
	3323	inappropriate content in your use of the Invoicing Service in our sole and reaso		3355	inappropriate content in your use of the Invoicing Service in our sole and reaso
	>	nable		>	nable
n	3324		n
	3325	discretion. Furthermore, you agree that you are solely responsible for the appro		3356	discretion. Furthermore, you agree that you are solely responsible for the appro
	>	priate tax		>	priate tax
	3326	reporting of all funds you collect through this service whether for goods, servi		3357	reporting of all funds you collect through this service whether for goods, servi
	>	ces, fees, or tips		>	ces, fees, or tips
	3327	as applicable.		3358	as applicable.
	3328	You acknowledge and agree that WePay or Chase may, in its sole discretion, limit		3359	You acknowledge and agree that WePay or Chase may, in its sole discretion, limit
	>	or change		>	or change
	3329	the features and functionality of the Invoicing Service at any time and without		3360	the features and functionality of the Invoicing Service at any time and without
	>	prior notice to		>	prior notice to
	3330	you. Furthermore, you acknowledge and agree that if you choose to edit the invoi		3361	you. Furthermore, you acknowledge and agree that if you choose to edit the invoi
	>	ces you		>	ces you
n			n	3362
	3331	send, you agree to notify your Purchasers of any changes you make and agree to i		3363	send, you agree to notify your Purchasers of any changes you make and agree to i
	>	ndemnify		>	ndemnify
	3332	WePay and/or Chase and agree to be liable for any resulting chargebacks, reversa		3364	WePay and/or Chase and agree to be liable for any resulting chargebacks, reversa
	>	ls, refunds,		>	ls, refunds,
	3333	or Payment Network Liabilities.		3365	or Payment Network Liabilities.
	3359	software as a service solution, and in providing the Invoicing Service, we may u		3391	software as a service solution, and in providing the Invoicing Service, we may u
	>	tilize the		>	tilize the
	3360	services of one or more third party service providers to host the Invoicing Serv		3392	services of one or more third party service providers to host the Invoicing Serv
	>	ice. You		>	ice. You
	3361	understand and agree that the availability of the Invoicing Service, or certain		3393	understand and agree that the availability of the Invoicing Service, or certain
	>	features and		>	features and
n	3362		n
	3363	functions thereof, may be dependent on the corresponding availability of these t		3394	functions thereof, may be dependent on the corresponding availability of these t
	>	hird party		>	hird party
	3364	services. In addition to the other disclaimers and limitations on liability set		3395	services. In addition to the other disclaimers and limitations on liability set
	>	forth herein, you		>	forth herein, you
	3365	acknowledge and agree that we will not be liable to you or any third party in th		3396	acknowledge and agree that we will not be liable to you or any third party in th
	>	e event that		>	e event that
	3366	unavailability of the Invoicing Service is caused by the acts or omissions of an		3397	unavailability of the Invoicing Service is caused by the acts or omissions of an
	>	applicable third		>	applicable third
	3367	party service provider.		3398	party service provider.
	3368	IN THE EVENT OF A SYSTEM FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION		3399	IN THE EVENT OF A SYSTEM FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION
n			n	3400
	3369	AFFECTING THE ADDITIONAL SERVICES AND FEATURES, YOUR DATA MAY BE DELETED,		3401	AFFECTING THE ADDITIONAL SERVICES AND FEATURES, YOUR DATA MAY BE DELETED,
	3370	CORRUPTED, DESTROYED, DAMAGED OR OTHERWISE LOST. EXCEPT AS OTHERWISE		3402	CORRUPTED, DESTROYED, DAMAGED OR OTHERWISE LOST. EXCEPT AS OTHERWISE
	3371	PROVIDED BY LAW, YOU ASSUME THE RISK OF LOSS OF DATA IN CONNECTION WITH YOUR		3403	PROVIDED BY LAW, YOU ASSUME THE RISK OF LOSS OF DATA IN CONNECTION WITH YOUR
	3396	Services (referred to as “Funds Transfer Services” or “FTS” or for purposes of t		3428	Services (referred to as “Funds Transfer Services” or “FTS” or for purposes of t
	>	his		>	his
	3397	Addendum, the “Services”) including what you can expect from us and the security		3429	Addendum, the “Services”) including what you can expect from us and the security
	3398	procedures we will take when you use the Funds Transfer Services.		3430	procedures we will take when you use the Funds Transfer Services.
n	3399		n
	3400	1. Protect Yourself Against Wire Scams		3431	1. Protect Yourself Against Wire Scams
	3401	Only wire money to people you know or recipients you have verified. Be aware of		3432	Only wire money to people you know or recipients you have verified. Be aware of
	>	wire		>	wire
	3402	scams, because once the wire is sent, you may not be able to recover your money.		3433	scams, because once the wire is sent, you may not be able to recover your money.
	3403	Know the signs of a scam. The requestor:		3434	Know the signs of a scam. The requestor:
n			n	3435
	3404	• Sends you wire instructions via email (ex. loan closing – always verify detail		3436	• Sends you wire instructions via email (ex. loan closing – always verify detail
	>	s by phone)		>	s by phone)
	3405	• Contacts you unexpectedly		3437	• Contacts you unexpectedly
	3406	• Claims there is an emergency		3438	• Claims there is an emergency
	3432	country for personal, family, or household purposes.		3464	country for personal, family, or household purposes.
	3433	By accepting and using FTS you agree to these terms and conditions and authorize		3465	By accepting and using FTS you agree to these terms and conditions and authorize
	>	us to		>	us to
	3434	provide you Domestic Funds Transfers or International Funds Transfers using our		3466	provide you Domestic Funds Transfers or International Funds Transfers using our
n	3435		n
	3436	Online Services or Mobile Services. All other payments or transfers available th		3467	Online Services or Mobile Services. All other payments or transfers available th
	>	rough		>	rough
	3437	Online Services or Mobile Services are subject to terms and conditions separate		3468	Online Services or Mobile Services are subject to terms and conditions separate
	>	from		>	from
	3438	this Addendum.		3469	this Addendum.
	3439	3. Security Procedures		3470	3. Security Procedures
	3440	These security procedures are only to help prevent unauthorized access to your a		3471	These security procedures are only to help prevent unauthorized access to your a
	>	ccount. You		>	ccount. You
n			n	3472
	3441	must be an active Online Services and/or Mobile Services user with a valid user		3473	must be an active Online Services and/or Mobile Services user with a valid user
	>	ID and		>	ID and
	3442	Password to use FTS. You should not discuss or disclose your online user ID and		3474	Password to use FTS. You should not discuss or disclose your online user ID and
	>	Password,		>	Password,
	3443	your one-time code, or any other information that we may use to confirm your ide		3475	your one-time code, or any other information that we may use to confirm your ide
	>	ntity with		>	ntity with
	3471	2. Canceling: You have the right to cancel Consumer International Funds Transfer		3503	2. Canceling: You have the right to cancel Consumer International Funds Transfer
	>	s at no		>	s at no
	3472	cost to you within thirty (30) minutes after you have authorized us to send it.		3504	cost to you within thirty (30) minutes after you have authorized us to send it.
	>	Please see		>	Please see
	3473	the section Consumer International Funds Transfers for more information on cance		3505	the section Consumer International Funds Transfers for more information on cance
	>	ling		>	ling
n	3474		n
	3475	Consumer International Funds Transfers. For all other funds transfers, once you		3506	Consumer International Funds Transfers. For all other funds transfers, once you
	>	have		>	have
	3476	submitted a funds transfer for the current Business Day, you cannot cancel it af		3507	submitted a funds transfer for the current Business Day, you cannot cancel it af
	>	ter we’ve		>	ter we’ve
	3477	begun processing, but you may request us to attempt to return the funds to you.		3508	begun processing, but you may request us to attempt to return the funds to you.
	>	If the		>	If the
	3478	recipient’s bank agrees, your funds may be returned to you, but likely not the f		3509	recipient’s bank agrees, your funds may be returned to you, but likely not the f
	>	ull		>	ull
	3479	amount that was originally sent. We will not automatically cancel your funds tra		3510	amount that was originally sent. We will not automatically cancel your funds tra
	>	nsfer		>	nsfer
	3480	due to the transfer being delayed by more than five business days; if we do canc		3511	due to the transfer being delayed by more than five business days; if we do canc
	>	el your		>	el your
n			n	3512
	3481	funds transfer we’ll notify you.		3513	funds transfer we’ll notify you.
	3482	3. Modifying: Once a funds transfer has begun processing, we will not be able to		3514	3. Modifying: Once a funds transfer has begun processing, we will not be able to
	>	change		>	change
	3483	any type of funds transfer requests unless the recipient’s bank agrees. If the r		3515	any type of funds transfer requests unless the recipient’s bank agrees. If the r
	>	ecipient’s		>	ecipient’s
	3513	5. Identifying Number		3545	5. Identifying Number
	3514	We or any other bank involved in the funds transfer will complete your funds tra		3546	We or any other bank involved in the funds transfer will complete your funds tra
	>	nsfer request		>	nsfer request
	3515	using the account number or bank identification number you provide, even if the		3547	using the account number or bank identification number you provide, even if the
	>	numbers do		>	numbers do
n	3516		n
	3517	not match the recipient’s or bank’s name. If you provided us an incorrect accoun		3548	not match the recipient’s or bank’s name. If you provided us an incorrect accoun
	>	t number for		>	t number for
	3518	the recipient or an incorrect routing or identification number for the recipient		3549	the recipient or an incorrect routing or identification number for the recipient
	>	’s bank, you		>	’s bank, you
	3519	could lose the amount of the transfer.		3550	could lose the amount of the transfer.
	3520	6. Repeating and Future Dated Funds Transfers		3551	6. Repeating and Future Dated Funds Transfers
n			n	3552
	3521	You may request a future dated (one-time) or repeating funds transfer to an esta		3553	You may request a future dated (one-time) or repeating funds transfer to an esta
	>	blished		>	blished
	3522	recipient from your account, except for Consumer International Funds Transfers.		3554	recipient from your account, except for Consumer International Funds Transfers.
	>	It is your		>	It is your
	3523	responsibility to update or change any monthly payments details.		3555	responsibility to update or change any monthly payments details.
	3550	less charges taken by any other bank involved in the funds transfer. However, if		3582	less charges taken by any other bank involved in the funds transfer. However, if
	>	you		>	you
	3551	requested a Consumer International Funds Transfer additional rights may apply. I		3583	requested a Consumer International Funds Transfer additional rights may apply. I
	>	f you cancel		>	f you cancel
	3552	a funds transfer request, other than a cancellation of a Consumer International		3584	a funds transfer request, other than a cancellation of a Consumer International
	>	Funds		>	Funds
n	3553		n
	3554	Transfer within thirty (30) minutes after you authorized us to send it, and it c		3585	Transfer within thirty (30) minutes after you authorized us to send it, and it c
	>	auses a loss or		>	auses a loss or
	3555	cost to us, we may subtract funds from your account to cover these losses.		3586	cost to us, we may subtract funds from your account to cover these losses.
	3556	If the funds transfer is not in the currency of the recipient’s account, the rec		3587	If the funds transfer is not in the currency of the recipient’s account, the rec
	>	ipient’s bank or		>	ipient’s bank or
	3557	another processing bank may reject the funds transfer or convert it. If converte		3588	another processing bank may reject the funds transfer or convert it. If converte
	>	d, you agree		>	d, you agree
	3558	the funds transfer may be converted to a different currency at their exchange ra		3589	the funds transfer may be converted to a different currency at their exchange ra
	>	te and may		>	te and may
n			n	3590
	3559	subtract additional fees.		3591	subtract additional fees.
	3560	8. Fees and Payment Route		3592	8. Fees and Payment Route
	3561	We may charge a fee when you use FTS based on your account agreement or fee sche		3593	We may charge a fee when you use FTS based on your account agreement or fee sche
	>	dule in		>	dule in
	3586	bank, or any other financial institution, and no such person or entity will be d		3618	bank, or any other financial institution, and no such person or entity will be d
	>	eemed our		>	eemed our
	3587	agent. We will not be liable for the failure or delay of any funds transfer or f		3619	agent. We will not be liable for the failure or delay of any funds transfer or f
	>	or failing to meet		>	or failing to meet
	3588	other obligations in the Agreement because of circumstances or causes beyond our		3620	other obligations in the Agreement because of circumstances or causes beyond our
	>	control,		>	control,
n	3589		n
	3590	including governmental, legal or regulatory restrictions or prohibitions, third		3621	including governmental, legal or regulatory restrictions or prohibitions, third
	>	party actions,		>	party actions,
	3591	natural disasters, equipment or system failures, labor disputes, wars or riots I		3622	natural disasters, equipment or system failures, labor disputes, wars or riots I
	>	N NO EVENT		>	N NO EVENT
	3592	SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIV		3623	SHALL WE HAVE ANY LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIV
	>	E,		>	E,
	3593	OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.		3624	OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
	3594	11. Contact Us in the Event of an Error		3625	11. Contact Us in the Event of an Error
n			n	3626
	3595	We will not be responsible for any delays in payment or additional fees caused b		3627	We will not be responsible for any delays in payment or additional fees caused b
	>	y your failure		>	y your failure
	3596	to promptly notify us. You will exercise ordinary care to determine whether a fu		3628	to promptly notify us. You will exercise ordinary care to determine whether a fu
	>	nds transfer		>	nds transfer
	3597	request we accepted and subtracted from your account was either in error or not		3629	request we accepted and subtracted from your account was either in error or not
	>	authorized.		>	authorized.
	3626	Except as required by Regulation E, subpart B, we will not be responsible for th		3658	Except as required by Regulation E, subpart B, we will not be responsible for th
	>	e acts or		>	e acts or
	3627	omissions of any other person or entity, including but not limited to any proces		3659	omissions of any other person or entity, including but not limited to any proces
	>	sor, any		>	sor, any
	3628	country's central bank, or any other financial institution, and no such person o		3660	country's central bank, or any other financial institution, and no such person o
	>	r entity		>	r entity
n	3629		n
	3630	will be deemed our agent. We will not be liable for the failure or delay of any		3661	will be deemed our agent. We will not be liable for the failure or delay of any
	>	funds		>	funds
	3631	transfer or for failing to meet other obligations in the Agreement because of		3662	transfer or for failing to meet other obligations in the Agreement because of
	3632	circumstances or causes beyond our control, including governmental, legal or reg		3663	circumstances or causes beyond our control, including governmental, legal or reg
	>	ulatory		>	ulatory
	3634	failures, labor disputes, wars or riots. IN NO EVENT SHALL WE HAVE ANY LIABILITY		3665	failures, labor disputes, wars or riots. IN NO EVENT SHALL WE HAVE ANY LIABILITY
	>	FOR		>	FOR
	3635	ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN		3666	ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, EVEN
	3636	IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.		3667	IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
n			n	3668
	3637	4. You have the right to cancel Consumer International Funds Transfers at no cos		3669	4. You have the right to cancel Consumer International Funds Transfers at no cos
	>	t to you		>	t to you
	3638	within 30 minutes after you have authorized us to send it. Please refer to the d		3670	within 30 minutes after you have authorized us to send it. Please refer to the d
	>	isclosure		>	isclosure
	3639	we provided to you at the time you authorized the Consumer International Funds		3671	we provided to you at the time you authorized the Consumer International Funds
	3656	decide that there was no error, we will send you a written explanation. You may		3688	decide that there was no error, we will send you a written explanation. You may
	>	ask for		>	ask for
	3657	copies of any documents we used in our investigation.		3689	copies of any documents we used in our investigation.
	3658	13. How to contact us		3690	13. How to contact us
n	3659	In case of errors or questions about your funds transfers please contacts using	n	3691	In case of errors or questions about your funds transfers please contact us usin
	>	the online		>	g the online
	3660	message center or as follows:		3692	message center or as follows:
	3661	Main Phone Number: 877-242-7372		3693	Main Phone Number: 877-242-7372
	3662	International Calls: 713-262-3300		3694	International Calls: 713-262-3300
	3665	Written Correspondence: Online Customer		3697	Written Correspondence: Online Customer
	3666	Service		3698	Service
	3667	PO Box 2558		3699	PO Box 2558
n	3668		n
	3669	Houston, TX 77252-		3700	Houston, TX 77252-
	3670	Addendum:		3701	Addendum:
	3671	PayPal Provisioning Platform Terms		3702	PayPal Provisioning Platform Terms
n			n	3703
	3672	Last updated: 10/4/2021		3704	Last updated: 10/4/2021
	3673	This Addendum contains the PayPal Provisioning Platform Terms (“Terms”) that gov		3705	This Addendum contains the PayPal Provisioning Platform Terms (“Terms”) that gov
	>	ern your		>	ern your
	3674	provisioning of any eligible Card (each, a “Chase P3 Card") for use on the PayPa		3706	provisioning of any eligible Card (each, a “Chase P3 Card") for use on the PayPa
	>	l Provisioning		>	l Provisioning
	3701	disclosure. If you permit any other person(s) or entity to access or use your P3		3733	disclosure. If you permit any other person(s) or entity to access or use your P3
	>	Credentials,		>	Credentials,
	3702	you are authorizing any transactions and activities performed by them. Notify us		3734	you are authorizing any transactions and activities performed by them. Notify us
	>	immediately		>	immediately
	3703	if any of your P3 Credentials is lost, stolen, forgotten, or compromised.		3735	if any of your P3 Credentials is lost, stolen, forgotten, or compromised.
n	3704		n
	3705	3. Transaction History		3736	3. Transaction History
	3706	You agree and acknowledge that the transaction history for P3 solely represents		3737	You agree and acknowledge that the transaction history for P3 solely represents
	>	our		>	our
	3707	authorization of your P3 transactions and may not reflect any post-authorization		3738	authorization of your P3 transactions and may not reflect any post-authorization
	>	activity,		>	activity,
	3708	including clearing, settlement, foreign currency exchange, reversals, returns or		3739	including clearing, settlement, foreign currency exchange, reversals, returns or
	>	chargebacks.		>	chargebacks.
	3709	Accordingly, the purchase amount, currency, and other details for your P3 transa		3740	Accordingly, the purchase amount, currency, and other details for your P3 transa
	>	ction history		>	ction history
n			n	3741
	3710	in connection with use of your Chase P3 Card may be preliminary and may not matc		3742	in connection with use of your Chase P3 Card may be preliminary and may not matc
	>	h the		>	h the
	3711	transaction amount that ultimately clears, settles, and posts to your Chase P3 C		3743	transaction amount that ultimately clears, settles, and posts to your Chase P3 C
	>	ard’s billing or		>	ard’s billing or
	3712	monthly statement.		3744	monthly statement.
	3738	6. J.P. Morgan Chase Is Not Responsible for Third Parties		3770	6. J.P. Morgan Chase Is Not Responsible for Third Parties
	3739	Using P3 may depend on your relationship with other third parties. We are not re		3771	Using P3 may depend on your relationship with other third parties. We are not re
	>	sponsible		>	sponsible
	3740	for any aspect of those relationships, or for the performance or non-performance		3772	for any aspect of those relationships, or for the performance or non-performance
	>	of these		>	of these
n	3741		n
	3742	third parties. Our role is limited to providing information to a merchant, the a		3773	third parties. Our role is limited to providing information to a merchant, the a
	>	pplicable		>	pplicable
	3743	payment network (such as Visa), PayPal, and/or others (such as a payment process		3774	payment network (such as Visa), PayPal, and/or others (such as a payment process
	>	ing entity		>	ing entity
	3744	or a token service provider) to allow that party to honor your Chase P3 Card and		3775	or a token service provider) to allow that party to honor your Chase P3 Card and
	>	/or to		>	/or to
	3745	facilitate customer participation in customer benefit programs such as loyalty a		3776	facilitate customer participation in customer benefit programs such as loyalty a
	>	nd rewards		>	nd rewards
	3746	programs to the extent maintained by those third parties. Transactions between y		3777	programs to the extent maintained by those third parties. Transactions between y
	>	ou and a		>	ou and a
	3747	merchant are governed by the merchant’s terms and conditions.		3778	merchant are governed by the merchant’s terms and conditions.
n			n	3779
	3748	7. Access and License		3780	7. Access and License
	3749	You may not, and will not allow or cause any third party to do the following: (a		3781	You may not, and will not allow or cause any third party to do the following: (a
	>	) use P3 in		>	) use P3 in
	3750	connection with any fraudulent or illegal conduct, transaction or business, as d		3782	connection with any fraudulent or illegal conduct, transaction or business, as d
	>	etermined by		>	etermined by
	3776	network (such as Visa), a Third Party Wallet provider, PayPal, and others (such		3808	network (such as Visa), a Third Party Wallet provider, PayPal, and others (such
	>	as a payment		>	as a payment
	3777	processing entity or a token service provider) your name, full account number, c		3809	processing entity or a token service provider) your name, full account number, c
	>	ard		>	ard
	3778	expiration date, email address, phone number, billing address, and shipping addr		3810	expiration date, email address, phone number, billing address, and shipping addr
	>	ess as		>	ess as
n	3779		n
	3780	required to complete a purchase using P3, and/or to facilitate customer particip		3811	required to complete a purchase using P3, and/or to facilitate customer particip
	>	ation in		>	ation in
	3781	customer benefit programs such as loyalty and rewards programs to the extent mai		3812	customer benefit programs such as loyalty and rewards programs to the extent mai
	>	ntained		>	ntained
	3782	by those third parties. We can also share your information in order to make info		3813	by those third parties. We can also share your information in order to make info
	>	rmation		>	rmation
	3784	these services. Once we share your information with a merchant, Third Party Wall		3815	these services. Once we share your information with a merchant, Third Party Wall
	>	et provider,		>	et provider,
	3785	PayPal, or such other third party, you agree that the merchant or such other thi		3816	PayPal, or such other third party, you agree that the merchant or such other thi
	>	rd party, and		>	rd party, and
	3786	not J.P. Morgan Chase, is responsible for the security and use of your informati		3817	not J.P. Morgan Chase, is responsible for the security and use of your informati
	>	on, and that		>	on, and that
n			n	3818
	3787	your data will be subject to their privacy policies. You acknowledge that the us		3819	your data will be subject to their privacy policies. You acknowledge that the us
	>	e and		>	e and
	3788	disclosure of any personal information provided by you directly to the payment n		3820	disclosure of any personal information provided by you directly to the payment n
	>	etwork		>	etwork
	3789	(such as Visa) or other third parties will be governed by such party’s privacy p		3821	(such as Visa) or other third parties will be governed by such party’s privacy p
	>	olicy and not our		>	olicy and not our
	3813	that bank with Service Participants and to send requests for payment to Persons		3845	that bank with Service Participants and to send requests for payment to Persons
	>	that bank		>	that bank
	3814	with Service Participants. The Real-Time Payments service also includes “Real-Ti		3846	with Service Participants. The Real-Time Payments service also includes “Real-Ti
	>	me		>	me
	3815	Payments Service for Vendors and Employees”, which is a service that allows you		3847	Payments Service for Vendors and Employees”, which is a service that allows you
	>	to send		>	to send
n	3816		n
	3817	payments to your vendors and/or employees, but only if you have a Business Accou		3848	payments to your vendors and/or employees, but only if you have a Business Accou
	>	nt and		>	nt and
	3818	are enrolled in ACH Payments Services.		3849	are enrolled in ACH Payments Services.
	3819	2. Sending Funds		3850	2. Sending Funds
	3820	You may initiate a payment from a Sender to a Receiver through the Real-Time Pay		3851	You may initiate a payment from a Sender to a Receiver through the Real-Time Pay
	>	ments		>	ments
	3821	Service (a “Service Transfer”) by submitting a request (a “Service Transfer Requ		3852	Service (a “Service Transfer”) by submitting a request (a “Service Transfer Requ
	>	est”)		>	est”)
n			n	3853
	3822	through Chase Online, Chase Mobile®, Chase Business Online, J.P. Morgan Online,		3854	through Chase Online, Chase Mobile®, Chase Business Online, J.P. Morgan Online,
	>	J.P.		>	J.P.
	3823	Morgan Mobile, or such other Digital Platforms as we may make available from tim		3855	Morgan Mobile, or such other Digital Platforms as we may make available from tim
	>	e to time.		>	e to time.
	3824	When you submit a Service Transfer Request, you will be required to provide Rece		3856	When you submit a Service Transfer Request, you will be required to provide Rece
	>	iver		>	iver
	3852	outside of the Real-Time Payments Service and asks for payment, you should verif		3884	outside of the Real-Time Payments Service and asks for payment, you should verif
	>	y the		>	y the
	3853	identity, legitimacy and contact information of the requestor and the amount of		3885	identity, legitimacy and contact information of the requestor and the amount of
	>	the payment		>	the payment
	3854	prior to submitting a Service Transfer Request. If you send payment to a Person		3886	prior to submitting a Service Transfer Request. If you send payment to a Person
	>	that you		>	that you
n	3855		n
	3856	do not know, or you do not verify the identity and legitimacy of Persons who con		3887	do not know, or you do not verify the identity and legitimacy of Persons who con
	>	tact		>	tact
	3857	you and ask for payment, you may lose the full amount of your payment.		3888	you and ask for payment, you may lose the full amount of your payment.
	3858	We do not provide buyer protection with respect to Service Transfers. That means		3889	We do not provide buyer protection with respect to Service Transfers. That means
	>	that you		>	that you
	3859	cannot reverse or dispute a Service Transfer on the basis that you are dissatisf		3890	cannot reverse or dispute a Service Transfer on the basis that you are dissatisf
	>	ied with the		>	ied with the
	3860	goods or services provided by the Receiver; because the Receiver has failed to d		3891	goods or services provided by the Receiver; because the Receiver has failed to d
	>	eliver goods		>	eliver goods
	3861	or perform services, whether at all or in a timely manner; or because you wish t		3892	or perform services, whether at all or in a timely manner; or because you wish t
	>	o return		>	o return
n			n	3893
	3862	purchased goods or cancel a pre-paid service.		3894	purchased goods or cancel a pre-paid service.
	3863	The Real-Time Payments Service does enable you to request that a Receiver return		3895	The Real-Time Payments Service does enable you to request that a Receiver return
	>	funds to		>	funds to
	3864	you, but the Receiver is not obligated to return the funds. This includes circum		3896	you, but the Receiver is not obligated to return the funds. This includes circum
	>	stances in		>	stances in
	3893	SERVICE IN THE SERVICE TRANSFER AMOUNT INDICATED BY YOU USING THE RECEIVER		3925	SERVICE IN THE SERVICE TRANSFER AMOUNT INDICATED BY YOU USING THE RECEIVER
	3894	ADDRESSING INFORMATION PROVIDED BY YOU. EXCEPT AS OTHERWISE REQUIRED BY		3926	ADDRESSING INFORMATION PROVIDED BY YOU. EXCEPT AS OTHERWISE REQUIRED BY
	3895	STATE OR FEDERAL LAW, WE SHALL HAVE NO LIABILITY TO YOU WITH RESPECT TO ANY		3927	STATE OR FEDERAL LAW, WE SHALL HAVE NO LIABILITY TO YOU WITH RESPECT TO ANY
n	3896		n
	3897	LOSS THAT YOU EXPERIENCE DUE TO THE INACCURACY OR INCOMPLETENESS OF SUCH		3928	LOSS THAT YOU EXPERIENCE DUE TO THE INACCURACY OR INCOMPLETENESS OF SUCH
	3898	RECEIVER ADDRESSING INFORMATION, THE FAILURE OF SUCH INFORMATION TO BE		3929	RECEIVER ADDRESSING INFORMATION, THE FAILURE OF SUCH INFORMATION TO BE
	3899	ASSOCIATED WITH YOUR INTENDED RECEIVER, OR YOUR FAILURE TO CORRECTLY ENTER		3930	ASSOCIATED WITH YOUR INTENDED RECEIVER, OR YOUR FAILURE TO CORRECTLY ENTER
	3900	THE RECEIVER ADDRESSING INFORMATION OR THE SERVICE TRANSFER AMOUNT.		3931	THE RECEIVER ADDRESSING INFORMATION OR THE SERVICE TRANSFER AMOUNT.
	3901	4. Receiving Payments		3932	4. Receiving Payments
n			n	3933
	3902	You are not obligated to accept a payment that is sent to you through the Real-T		3934	You are not obligated to accept a payment that is sent to you through the Real-T
	>	ime		>	ime
	3903	Payments Service. If you wish to reject a payment sent to you through the Real-T		3935	Payments Service. If you wish to reject a payment sent to you through the Real-T
	>	ime		>	ime
	3904	Payments Service, please contact us at 877-CHASEPC (877-242-7372) (J.P. Morgan O		3936	Payments Service, please contact us at 877-CHASEPC (877-242-7372) (J.P. Morgan O
	>	nline		>	nline
	3929	• You acknowledge and agree that our enabling the use of the Real-Time Payments		3961	• You acknowledge and agree that our enabling the use of the Real-Time Payments
	3930	Service to receive requests for payment or to make payments in response to reque		3962	Service to receive requests for payment or to make payments in response to reque
	>	sts		>	sts
	3931	for payment does not require us to provide for or guarantee delivery of a reques		3963	for payment does not require us to provide for or guarantee delivery of a reques
	>	t for		>	t for
n	3932		n
	3933	payment or payment in response to a request for payment to any and all Persons.		3964	payment or payment in response to a request for payment to any and all Persons.
	3934	• Any dispute between you and a Sender must be resolved directly between you and		3965	• Any dispute between you and a Sender must be resolved directly between you and
	>	the		>	the
	3935	Sender. We have no responsibility for, and shall not be liable to you in connect		3966	Sender. We have no responsibility for, and shall not be liable to you in connect
	>	ion		>	ion
	3937	• You acknowledge and agree that your use of the Real-Time Payments Service to r		3968	• You acknowledge and agree that your use of the Real-Time Payments Service to r
	>	eceive		>	eceive
	3938	requests for payment or to make payments in response to requests for payment may		3969	requests for payment or to make payments in response to requests for payment may
	3939	be subject to eligibility requirements, and we may suspend or terminate your abi		3970	be subject to eligibility requirements, and we may suspend or terminate your abi
	>	lity to		>	lity to
n			n	3971
	3940	submit or receive requests for payment or your access to the Real-Time Payments		3972	submit or receive requests for payment or your access to the Real-Time Payments
	3941	Service in the event that we reasonably suspect you have failed to comply with t		3973	Service in the event that we reasonably suspect you have failed to comply with t
	>	his		>	his
	3942	Agreement.		3974	Agreement.
	3967	8. Availability of Funds		3999	8. Availability of Funds
	3968	Funds transferred through the Real-Time Payments Service will be credited to the		4000	Funds transferred through the Real-Time Payments Service will be credited to the
	>	Receiver’s		>	Receiver’s
	3969	account by the Receiving Institution immediately upon completion of the Service		4001	account by the Receiving Institution immediately upon completion of the Service
	>	Transfer		>	Transfer
n	3970		n
	3971	Request, and will be available for withdrawal by the Receiver immediately. Excep		4002	Request, and will be available for withdrawal by the Receiver immediately. Excep
	>	t as		>	t as
	3972	otherwise set forth in this Agreement, funds are available immediately 24 hours		4003	otherwise set forth in this Agreement, funds are available immediately 24 hours
	>	per day, 7		>	per day, 7
	3973	days per week, including weekends and state and federal holidays.		4004	days per week, including weekends and state and federal holidays.
	3974	9. Prohibited Payments		4005	9. Prohibited Payments
	3975	You agree that you shall not use the Real-Time Payments Service to make or recei		4006	You agree that you shall not use the Real-Time Payments Service to make or recei
	>	ve any of		>	ve any of
n			n	4007
	3976	the following types of payments (each, a “Prohibited Payment”): (a) payments tha		4008	the following types of payments (each, a “Prohibited Payment”): (a) payments tha
	>	t violate or		>	t violate or
	3977	appear to violate any local, state, or federal law or regulation; (b) payments t		4009	appear to violate any local, state, or federal law or regulation; (b) payments t
	>	o accounts		>	o accounts
	3978	domiciled outside the United States; (c) payments transmitted solely for the pur		4010	domiciled outside the United States; (c) payments transmitted solely for the pur
	>	pose of		>	pose of
	4005	this Addendum. In the event of an irreconcilable conflict between this Addendum		4037	this Addendum. In the event of an irreconcilable conflict between this Addendum
	>	and the		>	and the
	4006	Account Documentation, this Addendum will govern with respect to use of the Serv		4038	Account Documentation, this Addendum will govern with respect to use of the Serv
	>	ice only,		>	ice only,
	4007	and only to the extent of such irreconcilable conflict.		4039	and only to the extent of such irreconcilable conflict.
n	4008		n
	4009	As used herein, the terms "Bank", “Chase”, "us," "we," or "our" mean JPMorgan Ch		4040	As used herein, the terms "Bank", “Chase”, "us," "we," or "our" mean JPMorgan Ch
	>	ase Bank,		>	ase Bank,
	4010	National Association, or any affiliate, agent, independent contractor, designee,		4041	National Association, or any affiliate, agent, independent contractor, designee,
	>	or assignee		>	or assignee
	4011	that we may, at our sole discretion, involve in the provision of the Service; "y		4042	that we may, at our sole discretion, involve in the provision of the Service; "y
	>	ou" or "your"		>	ou" or "your"
	4012	means (1) an individual or entity that is the owner of an account or (2) an auth		4043	means (1) an individual or entity that is the owner of an account or (2) an auth
	>	orized signer		>	orized signer
	4013	on an account who has authority to view account information and affect transacti		4044	on an account who has authority to view account information and affect transacti
	>	ons on such		>	ons on such
	4014	account; and “service provider”, “third party service provider” or “Billshark” m		4045	account; and “service provider”, “third party service provider” or “Billshark” m
	>	eans Titan		>	eans Titan
n			n	4046
	4015	Solutions Group LLC dba ApexEdge LLC aka Billshark ("Service Provider"), the own		4047	Solutions Group LLC dba ApexEdge LLC aka Billshark ("Service Provider"), the own
	>	er and		>	er and
	4016	operator of the Service.		4048	operator of the Service.
	4017	1. General Terms Applicable to the Service		4049	1. General Terms Applicable to the Service
	4044	advance of the request through our Service Provider being completed. In order to		4076	advance of the request through our Service Provider being completed. In order to
	>	perform		>	perform
	4045	the Service, Service Provider will contact your Merchant and if required, identi		4077	the Service, Service Provider will contact your Merchant and if required, identi
	>	fy that Service		>	fy that Service
	4046	Provider is acting as your representative and/or agent with your authority to do		4078	Provider is acting as your representative and/or agent with your authority to do
	>	so. Service		>	so. Service
n	4047		n
	4048	Provider will not log into your account with the Merchant nor will Service Provi		4079	Provider will not log into your account with the Merchant nor will Service Provi
	>	der represent		>	der represent
	4049	themselves as you.		4080	themselves as you.
	4050	We will display the status of your Subscription Cancellation request in your Cha		4081	We will display the status of your Subscription Cancellation request in your Cha
	>	se account		>	se account
	4051	online (www.chase.com) or in the Chase Mobile app. Neither we nor Service Provid		4082	online (www.chase.com) or in the Chase Mobile app. Neither we nor Service Provid
	>	er		>	er
	4052	guarantee that your Subscription Cancellation will be completed before your subs		4083	guarantee that your Subscription Cancellation will be completed before your subs
	>	cription		>	cription
	4053	renewal date, nor do we guarantee that you will receive a refund. If you are ent		4084	renewal date, nor do we guarantee that you will receive a refund. If you are ent
	>	itled to a		>	itled to a
n			n	4085
	4054	refund, it will be credited directly back to your applicable account by the Merc		4086	refund, it will be credited directly back to your applicable account by the Merc
	>	hant.		>	hant.
	4055	Neither we nor Service Provider are liable for any unreturned balances, nor are		4087	Neither we nor Service Provider are liable for any unreturned balances, nor are
	>	we liable for		>	we liable for
	4056	costs or fees associated with any subscription renewal due to your failure to in		4088	costs or fees associated with any subscription renewal due to your failure to in
	>	itiate your		>	itiate your
	4085	Service without proper authorization, and also agree to indemnify us and Service		4117	Service without proper authorization, and also agree to indemnify us and Service
	4086	Provider for any damages we may incur as a result.		4118	Provider for any damages we may incur as a result.
	4087	4. The information shared with your Merchants by our Service Provider on your be		4119	4. The information shared with your Merchants by our Service Provider on your be
	>	half for		>	half for
n	4088		n
	4089	Subscription Cancellation is subject to any terms and conditions, contracts or p		4120	Subscription Cancellation is subject to any terms and conditions, contracts or p
	>	rivacy		>	rivacy
	4090	policies agreed to between you and your Merchants.		4121	policies agreed to between you and your Merchants.
	4091	2. Service Fees		4122	2. Service Fees
	4092	There is no service fee to use the Service. Fees are subject to change from time		4123	There is no service fee to use the Service. Fees are subject to change from time
	>	to time upon		>	to time upon
	4093	notice to you as may be required by law.		4124	notice to you as may be required by law.
n			n	4125
	4094	3. Eligibility and Requirements		4126	3. Eligibility and Requirements
	4095	As a condition to our engagement to provide, and continued provision of, the Ser		4127	As a condition to our engagement to provide, and continued provision of, the Ser
	>	vice to you,		>	vice to you,
	4096	you make the following representations, warranties, covenants, and agreements, a		4128	you make the following representations, warranties, covenants, and agreements, a
	>	s of the		>	s of the
	4120	privacy notice.		4152	privacy notice.
	4121	5. License; Availability of Service		4153	5. License; Availability of Service
	4122	We grant to you, for your personal use or, if you are a business eligible to use		4154	We grant to you, for your personal use or, if you are a business eligible to use
	>	the Service, for		>	the Service, for
n	4123		n
	4124	internal business purposes only, a nonexclusive, limited and revocable right to		4155	internal business purposes only, a nonexclusive, limited and revocable right to
	>	access and		>	access and
	4125	use the Service on our digital platforms. You agree not to use the Service for a		4156	use the Service on our digital platforms. You agree not to use the Service for a
	>	ny other		>	ny other
	4126	purpose, including commercial purposes, such as co-branding, framing, linking, o		4157	purpose, including commercial purposes, such as co-branding, framing, linking, o
	>	r reselling		>	r reselling
	4128	Subject to these Terms, the Service is generally available 24 hours a day, seven		4159	Subject to these Terms, the Service is generally available 24 hours a day, seven
	>	days a week		>	days a week
	4129	with the exception of outages for maintenance and circumstances beyond our or Se		4160	with the exception of outages for maintenance and circumstances beyond our or Se
	>	rvice		>	rvice
	4130	Provider’s control.		4161	Provider’s control.
n			n	4162
	4131	6. Errors or Questions about Transactions		4163	6. Errors or Questions about Transactions
	4132	If you receive a successful Subscription Cancellation through use of the Service		4164	If you receive a successful Subscription Cancellation through use of the Service
	>	and thereafter		>	and thereafter
	4133	receive a charge to your applicable Chase debit card from your Merchant related		4165	receive a charge to your applicable Chase debit card from your Merchant related
	>	to that		>	to that
	4157	Merchant, or any other third parties regarding any agreement you enter into with		4189	Merchant, or any other third parties regarding any agreement you enter into with
	>	Service		>	Service
	4158	Provider, a Merchant, or associated third-party relationships that may impact yo		4190	Provider, a Merchant, or associated third-party relationships that may impact yo
	>	ur use of the		>	ur use of the
	4159	Service.		4191	Service.
n	4160		n
	4161	8. Right to Discontinue Use of the Service		4192	8. Right to Discontinue Use of the Service
	4162	Each usage of the Service is a separate transaction requiring that you consent t		4193	Each usage of the Service is a separate transaction requiring that you consent t
	>	o use of the		>	o use of the
	4163	Service for that transaction only. This Addendum does not require your continued		4194	Service for that transaction only. This Addendum does not require your continued
	>	use of the		>	use of the
	4164	Service so you may discontinue future use of the Service at any time.		4195	Service so you may discontinue future use of the Service at any time.
	4165	We reserve the right to restrict or cancel your access to the Platform and its c		4196	We reserve the right to restrict or cancel your access to the Platform and its c
	>	ontent or any		>	ontent or any
n			n	4197
	4166	part or feature thereof, including the Service, at any time. We may decline to a		4198	part or feature thereof, including the Service, at any time. We may decline to a
	>	ccept your		>	ccept your
	4167	request for the Service or may elect to stop performing Service for you at any t		4199	request for the Service or may elect to stop performing Service for you at any t
	>	ime in the		>	ime in the
	4168	exercise of our sole discretion.		4200	exercise of our sole discretion.
	4193	other eligibility criteria in our sole discretion. We also reserve the right to		4225	other eligibility criteria in our sole discretion. We also reserve the right to
	>	terminate or		>	terminate or
	4194	suspend our participation in the Service or with Service Provider or a particula		4226	suspend our participation in the Service or with Service Provider or a particula
	>	r Merchant at		>	r Merchant at
	4195	any time. You may not assign these Terms.		4227	any time. You may not assign these Terms.
n	4196		n
	4197	d. Limitation of Liability; No Warranties		4228	d. Limitation of Liability; No Warranties
	4198	EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT		4229	EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A DIFFERENT
	4199	STANDARD, YOU AGREE THAT WE, SERVICE PROVIDER AND OUR RESPECTIVE OFFICERS,		4230	STANDARD, YOU AGREE THAT WE, SERVICE PROVIDER AND OUR RESPECTIVE OFFICERS,
	4200	DIRECTORS, AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS,		4231	DIRECTORS, AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS,
	4201	DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR		4232	DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR
n			n	4233
	4202	CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO: THE		4234	CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO: THE
	4203	SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENANCE THEREOF;		4235	SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENANCE THEREOF;
	4204	ACCESS TO OR USE OF THE SERVICE; ANY TRANSACTION CONDUCTED THROUGH OR		4236	ACCESS TO OR USE OF THE SERVICE; ANY TRANSACTION CONDUCTED THROUGH OR
	4234	ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.		4266	ACCESSIBLE FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.
	4235	IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL		4267	IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL
	4236	OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US OR SERVICE PROVIDER IN		4268	OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US OR SERVICE PROVIDER IN
n	4237		n
	4238	THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT		4269	THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT
	4239	PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).		4270	PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).
	4240	e. Indemnification		4271	e. Indemnification
	4241	In addition to the indemnities set forth in the General Terms and Conditions, yo		4272	In addition to the indemnities set forth in the General Terms and Conditions, yo
	>	u also		>	u also
n			n	4273
	4242	acknowledge and agree that you are personally responsible for your conduct while		4274	acknowledge and agree that you are personally responsible for your conduct while
	>	using the		>	using the
	4243	Service and agree to indemnify and hold us, Service Provider, and our respective		4275	Service and agree to indemnify and hold us, Service Provider, and our respective
	>	officers,		>	officers,
	4244	directors, employees and agents harmless from and against any loss, damage, liab		4276	directors, employees and agents harmless from and against any loss, damage, liab
	>	ility, cost or		>	ility, cost or
	4268	Card, and "we," "us," "our," and "Chase" refer to JPMorgan Chase Bank, N.A.		4300	Card, and "we," "us," "our," and "Chase" refer to JPMorgan Chase Bank, N.A.
	4269	When you add or Activate a Chase Card in a Wallet, you agree to these Terms:		4301	When you add or Activate a Chase Card in a Wallet, you agree to these Terms:
	4270	1. Adding/Activating Your Chase Card		4302	1. Adding/Activating Your Chase Card
n	4271		n
	4272	You can add or Activate an eligible Chase Card to a Wallet by either following o		4303	You can add or Activate an eligible Chase Card to a Wallet by either following o
	>	ur instructions		>	ur instructions
	4273	as they appear on a Chase proprietary platform (e.g., Chase Mobile® app or chase		4304	as they appear on a Chase proprietary platform (e.g., Chase Mobile® app or chase
	>	.com) or by		>	.com) or by
	4274	following the instructions of the Wallet Provider. “Wallet Provider” means a thi		4305	following the instructions of the Wallet Provider. “Wallet Provider” means a thi
	>	rd party		>	rd party
	4275	provider of a Wallet or Chase, if Chase directly provides the Wallet. Chase may		4306	provider of a Wallet or Chase, if Chase directly provides the Wallet. Chase may
	>	provision		>	provision
	4276	certain eligible Chase Cards into Wallets owned or operated by Chase. Chase may		4307	certain eligible Chase Cards into Wallets owned or operated by Chase. Chase may
	>	also		>	also
n			n	4308
	4277	provision certain eligible Chase Cards into Wallets such as PazeSM, a Wallet own		4309	provision certain eligible Chase Cards into Wallets such as PazeSM, a Wallet own
	>	ed and		>	ed and
	4278	operated by Early Warning Services, LLC. Only Chase Cards that we determine are		4310	operated by Early Warning Services, LLC. Only Chase Cards that we determine are
	>	eligible can		>	eligible can
	4279	be added to or Activated in a Wallet. If your Chase Card or underlying account i		4311	be added to or Activated in a Wallet. If your Chase Card or underlying account i
	>	s not in good		>	s not in good
	4307	information securely provided to the Wallet Provider may include your social sec		4339	information securely provided to the Wallet Provider may include your social sec
	>	urity		>	urity
	4308	number, phone number, and email address.		4340	number, phone number, and email address.
	4309	Early Warning Services, LLC is the PazeSM Wallet Provider.		4341	Early Warning Services, LLC is the PazeSM Wallet Provider.
n	4310		n
	4311	You will need to accept the PazeSM Terms of Service in order to activate your Pa		4342	You will need to accept the PazeSM Terms of Service in order to activate your Pa
	>	zeSM Wallet		>	zeSM Wallet
	4312	and use it for purchases at participating merchants. For more information on Paz		4343	and use it for purchases at participating merchants. For more information on Paz
	>	eSM, please		>	eSM, please
	4313	visit https://chase.com/paze. Other Wallets may have similar requirements to act		4344	visit https://chase.com/paze. Other Wallets may have similar requirements to act
	>	ivate your		>	ivate your
	4314	ability to use your Chase Card therein.		4345	ability to use your Chase Card therein.
n			n	4346
	4315	3. Your Chase Card Terms Do Not Change		4347	3. Your Chase Card Terms Do Not Change
	4316	The terms and agreement that govern your Chase Card do not change when the Chase		4348	The terms and agreement that govern your Chase Card do not change when the Chase
	>	Card		>	Card
	4317	is added to, provisioned in, or Activated in a Wallet. The applicable Card Membe		4349	is added to, provisioned in, or Activated in a Wallet. The applicable Card Membe
	>	r Agreement		>	r Agreement
	4343	represents our authorization of your Wallet transaction and may not reflect comp		4375	represents our authorization of your Wallet transaction and may not reflect comp
	>	lete		>	lete
	4344	information about the transaction, nor any post-authorization activity, includin		4376	information about the transaction, nor any post-authorization activity, includin
	>	g but not		>	g but not
	4345	limited to clearing, settlement, foreign currency exchange, reversals, returns o		4377	limited to clearing, settlement, foreign currency exchange, reversals, returns o
	>	r chargebacks.		>	r chargebacks.
n	4346		n
	4347	Accordingly, the purchase amount, currency, and other details for the Wallet Pro		4378	Accordingly, the purchase amount, currency, and other details for the Wallet Pro
	>	vider's		>	vider's
	4348	transaction history in connection with use of your Card in a Wallet may be preli		4379	transaction history in connection with use of your Card in a Wallet may be preli
	>	minary and/or		>	minary and/or
	4349	incomplete, and may not match the transaction amount that ultimately clears, set		4380	incomplete, and may not match the transaction amount that ultimately clears, set
	>	tles, and		>	tles, and
	4350	posts to your Card's billing or monthly statement, which shall be deemed the pre		4381	posts to your Card's billing or monthly statement, which shall be deemed the pre
	>	vailing		>	vailing
	4351	document.		4382	document.
n			n	4383
	4352	7. Contacting You Electronically and by Email or through Your Mobile		4384	7. Contacting You Electronically and by Email or through Your Mobile
	4353	Device		4385	Device
	4354	You consent to receive electronic communications and disclosures from us in conn		4386	You consent to receive electronic communications and disclosures from us in conn
	>	ection with		>	ection with
	4378	terms, but you can terminate these Terms at any time by removing all Chase Cards		4410	terms, but you can terminate these Terms at any time by removing all Chase Cards
	>	from the		>	from the
	4379	Wallet. You may not assign these Terms.		4411	Wallet. You may not assign these Terms.
	4380	11. Privacy		4412	11. Privacy
n	4381		n
	4382	Your privacy and the security of your information are important to us. Our Onlin		4413	Your privacy and the security of your information are important to us. Our Onlin
	>	e Privacy		>	e Privacy
	4383	Policy and, where appropriate, our U.S. Consumer Privacy Notice (available onlin		4414	Policy and, where appropriate, our U.S. Consumer Privacy Notice (available onlin
	>	e at:		>	e at:
	4384	https://www.chase.com/), as amended from time to time, applies to your use of yo		4415	https://www.chase.com/), as amended from time to time, applies to your use of yo
	>	ur Chase		>	ur Chase
	4385	Card in the Wallet. You may be provided with the ability to share your Chase Car		4416	Card in the Wallet. You may be provided with the ability to share your Chase Car
	>	d number		>	d number
	4386	with Wallet Providers or a payment network, and you agree that we may share cert		4417	with Wallet Providers or a payment network, and you agree that we may share cert
	>	ain of your		>	ain of your
n			n	4418
	4387	other information with the Wallet Providers, merchants, a payment network, and o		4419	other information with the Wallet Providers, merchants, a payment network, and o
	>	thers in		>	thers in
	4388	order to provide the services you have requested, to make information available		4420	order to provide the services you have requested, to make information available
	>	to you about		>	to you about
	4389	your Chase Card transactions, and to improve our ability to offer these services		4421	your Chase Card transactions, and to improve our ability to offer these services
	>	. This		>	. This
	4416	If you have any questions, disputes, or complaints about a Wallet, contact the W		4448	If you have any questions, disputes, or complaints about a Wallet, contact the W
	>	allet provider		>	allet provider
	4417	using the information given to you by the provider. If your question, dispute, o		4449	using the information given to you by the provider. If your question, dispute, o
	>	r complaint is		>	r complaint is
	4418	about your Chase Card, then contact us at: 1-888-364-7250.		4450	about your Chase Card, then contact us at: 1-888-364-7250.
n	4419		n
	4420	Esta página contiene información acerca del uso de su tarjeta Chase Visa® en bil		4451	Esta página contiene información acerca del uso de su tarjeta Chase Visa® en bil
	>	leteras		>	leteras
	4421	digitales. Si tiene alguna pregunta, por favor, llame al número que aparece en e		4452	digitales. Si tiene alguna pregunta, por favor, llame al número que aparece en e
	>	l reverso de		>	l reverso de
	4422	su tarjeta.		4453	su tarjeta.
n			n	4454
	4423	Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member		4455	Credit and debit card products are provided by JPMorgan Chase Bank, N.A. Member
	>	FDIC		>	FDIC
	4424	Addendum:		4456	Addendum:
	4425	Transfers Service		4457	Transfers Service
	4452	Any transfer made from any of your savings accounts by using the Online Service		4484	Any transfer made from any of your savings accounts by using the Online Service
	>	or Mobile		>	or Mobile
	4453	Services is a restricted Transfer subject to certain limitations. Please refer t		4485	Services is a restricted Transfer subject to certain limitations. Please refer t
	>	o our deposit		>	o our deposit
	4454	account agreement or other terms and conditions governing your account for full		4486	account agreement or other terms and conditions governing your account for full
	>	details.		>	details.
n	4455		n
	4456	Additionally, eligible Transfers made from any line of credit account will be tr		4487	Additionally, eligible Transfers made from any line of credit account will be tr
	>	eated as an		>	eated as an
	4457	advance on such line of credit, and in addition to accruing interest under the t		4488	advance on such line of credit, and in addition to accruing interest under the t
	>	erms of your		>	erms of your
	4458	line of credit agreement, will also be subject to all other terms and limitation		4489	line of credit agreement, will also be subject to all other terms and limitation
	>	s on advances		>	s on advances
n			n	4490
	4459	thereunder.		4491	thereunder.
	4460	You agree to be bound by and comply with such other written requirements as we m		4492	You agree to be bound by and comply with such other written requirements as we m
	>	ay		>	ay
	4461	furnish to you in connection with your deposit accounts, credit card accounts, a		4493	furnish to you in connection with your deposit accounts, credit card accounts, a
	>	nd other		>	nd other
	4493	Transfers		4525	Transfers
	4494	Payments to Chase mortgage loans		4526	Payments to Chase mortgage loans
	4495	• 7:30 PM ET on any • 7:30 PM ET on		4527	• 7:30 PM ET on any • 7:30 PM ET on
n	4496		n
	4497	Business Day for any Business Day		4528	Business Day for any Business Day
	4498	payments from a for payments		4529	payments from a for payments
	4499	Chase eligible from a Chase		4530	Chase eligible from a Chase
n			n	4531
	4500	deposit account eligible deposit		4532	deposit account eligible deposit
	4501	• 8:00 PM ET on any account		4533	• 8:00 PM ET on any account
	4502	Business Day for • 8:00 PM ET on		4534	Business Day for • 8:00 PM ET on
	4537	payments from a deposit account,		4569	payments from a deposit account,
	4538	non-Chase deposit if the payment		4570	non-Chase deposit if the payment
	4539	account was scheduled		4571	account was scheduled
n	4540		n
	4541	after 8:00 PM ET		4572	after 8:00 PM ET
	4542	• 8:00 PM ET on		4573	• 8:00 PM ET on
	4543	the Payment		4574	the Payment
n			n	4575
	4544	date for Future		4576	date for Future
	4545	Dated payments		4577	Dated payments
	4546	from a Chase		4578	from a Chase
	4582	day for Internal initiate a same		4614	day for Internal initiate a same
	4583	Transfers to a day Internal		4615	Transfers to a day Internal
	4584	Chase eligible Transfer, you		4616	Chase eligible Transfer, you
n	4585		n
	4586	deposit account have no ability		4617	deposit account have no ability
	4587	• Transfers to a non- to stop or		4618	• Transfers to a non- to stop or
	4588	Chase deposit cancel such		4619	Chase deposit cancel such
n			n	4620
	4589	account are not transfer.		4621	account are not transfer.
	4590	available		4622	available
	4591	Payments to Chase business lines of credit		4623	Payments to Chase business lines of credit
	4624	Day Transfer to or Internal		4656	Day Transfer to or Internal
	4625	from Investment Transfers*,		4657	from Investment Transfers*,
	4626	Accounts* except as		4658	Accounts* except as
n	4627		n	4659	provided below.
	4628	*Transfers involving		4660	*Transfers involving
n	4629	provided below.	n	4661	Once you
	4630	money market mutual		4662	money market mutual
n	4631	Once you	n	4663	initiate a same
	4632	funds may be subject to		4664	funds may be subject to
n	4633	initiate a same	n	4665
	4634	other cutoff times		4666	other cutoff times
	4635	day Internal		4667	day Internal
	4636	mandated by the		4668	mandated by the
	4676	c. Preauthorized Electronic Fund Transfers		4708	c. Preauthorized Electronic Fund Transfers
	4677	You may set up an eligible Payment or Transfer as a Preauthorized Electronic Fun		4709	You may set up an eligible Payment or Transfer as a Preauthorized Electronic Fun
	>	d Transfer,		>	d Transfer,
	4678	which you authorize in advance of a Payment or Transfer so it will take place on		4710	which you authorize in advance of a Payment or Transfer so it will take place on
	>	a recurring		>	a recurring
n	4679		n
	4680	basis, at substantially regular intervals, and no further action will be require		4711	basis, at substantially regular intervals, and no further action will be require
	>	d from you to		>	d from you to
	4681	initiate it. Preauthorized Electronic Fund Transfers may recur on a set Transfer		4712	initiate it. Preauthorized Electronic Fund Transfers may recur on a set Transfer
	>	period, e.g.,		>	period, e.g.,
	4682	monthly, or if available, other interval of time (e.g. biweekly, bimonthly) for		4713	monthly, or if available, other interval of time (e.g. biweekly, bimonthly) for
	>	the same fixed		>	the same fixed
n			n	4714
	4683	amount to the same Payee or To Account (“Repeating Payments and Transfers”), and		4715	amount to the same Payee or To Account (“Repeating Payments and Transfers”), and
	>	will be		>	will be
	4684	sent on the same calendar day of each month or other set date that you schedule		4716	sent on the same calendar day of each month or other set date that you schedule
	>	(e.g., every		>	(e.g., every
	4685	two weeks), if applicable. However, if the regularly scheduled Send On date or T		4717	two weeks), if applicable. However, if the regularly scheduled Send On date or T
	>	ransfer date		>	ransfer date
	4715	1.2 Transfers		4747	1.2 Transfers
	4716	a. Terms Applicable to Transfers		4748	a. Terms Applicable to Transfers
	4717	You authorize us to charge your designated From Account for all Transfers of fun		4749	You authorize us to charge your designated From Account for all Transfers of fun
	>	ds that you		>	ds that you
n	4718		n
	4719	initiate and you agree to have sufficient funds or available credit in your From		4750	initiate and you agree to have sufficient funds or available credit in your From
	>	Account on the		>	Account on the
	4720	Transfer date for each such transfer you schedule. Except with regard to certain		4751	Transfer date for each such transfer you schedule. Except with regard to certain
	>	Transfers to		>	Transfers to
	4721	and from Investment Accounts, if there are insufficient available funds, includi		4752	and from Investment Accounts, if there are insufficient available funds, includi
	>	ng funds in any		>	ng funds in any
n			n	4753
	4722	linked account used for overdraft protection, (or available credit) to cover a C		4754	linked account used for overdraft protection, (or available credit) to cover a C
	>	urrent Day		>	urrent Day
	4723	Transfer, we will not retry the transaction and the Transfer will be immediately		4755	Transfer, we will not retry the transaction and the Transfer will be immediately
	>	rejected.		>	rejected.
	4724	In the case of Future Dated transfers (excluding Autosave Transfers from a depos		4756	In the case of Future Dated transfers (excluding Autosave Transfers from a depos
	>	it), if		>	it), if
	4755	your From Account is a J.P. Morgan Chase home equity line of credit, to the exte		4787	your From Account is a J.P. Morgan Chase home equity line of credit, to the exte
	>	nt		>	nt
	4756	eligible, you may make Internal Transfers up to a maximum amount of (A) $200,000		4788	eligible, you may make Internal Transfers up to a maximum amount of (A) $200,000
	4757	daily; or (B) $500,000 daily, if you are a Private Banking customer.		4789	daily; or (B) $500,000 daily, if you are a Private Banking customer.
n	4758		n
	4759	2. Transfers between deposit accounts held by us: Current Day transfers between		4790	2. Transfers between deposit accounts held by us: Current Day transfers between
	>	deposit		>	deposit
	4760	and accounts held by us that are made before the Cutoff Time will be processed		4791	and accounts held by us that are made before the Cutoff Time will be processed
	4761	immediately and the transferred funds will be available the same day to cover al		4792	immediately and the transferred funds will be available the same day to cover al
	>	l		>	l
n			n	4793
	4762	transfers. Funds transferred to deposit accounts held by us and made after the C		4794	transfers. Funds transferred to deposit accounts held by us and made after the C
	>	utoff		>	utoff
	4763	Time on the Current Day or on a non- Business Day will be available for immediat		4795	Time on the Current Day or on a non- Business Day will be available for immediat
	>	e cash		>	e cash
	4764	withdrawal at ATMs and for online transactions, however the funds will not be av		4796	withdrawal at ATMs and for online transactions, however the funds will not be av
	>	ailable		>	ailable
	4796	made. When Instructions are received on a non-Business Day, Transfers will be		4828	made. When Instructions are received on a non-Business Day, Transfers will be
	4797	posted to, and available for withdrawal in, the To Account, at or about 3:00 AM		4829	posted to, and available for withdrawal in, the To Account, at or about 3:00 AM
	>	ET		>	ET
	4798	on the next available Business Day following the day the Instruction was made.		4830	on the next available Business Day following the day the Instruction was made.
n	4799		n
	4800	In all instances, the Investment Account cash balance will be immediately		4831	In all instances, the Investment Account cash balance will be immediately
	4801	reduced by the amount of the Transfer and no longer be available for		4832	reduced by the amount of the Transfer and no longer be available for
n			n	4833
	4802	withdrawal or trading, regardless of whether Instructions are received at or		4834	withdrawal or trading, regardless of whether Instructions are received at or
	4803	before/after the Cutoff Time.		4835	before/after the Cutoff Time.
	4804	3. Manual Approval		4836	3. Manual Approval
	4835	daily maximum noted in the chart below for your applicable account segment in th		4867	daily maximum noted in the chart below for your applicable account segment in th
	>	e		>	e
	4836	aggregate from all your combined Chase accounts, except as otherwise described i		4868	aggregate from all your combined Chase accounts, except as otherwise described i
	>	n the		>	n the
	4837	subsections below. To help protect you from fraud and scams, Chase dynamically		4869	subsections below. To help protect you from fraud and scams, Chase dynamically
n	4838		n
	4839	determines the limit for each External Transfer(s) based on internal Chase crite		4870	determines the limit for each External Transfer(s) based on internal Chase crite
	>	ria at the		>	ria at the
	4840	time you schedule the transfer. The maximum daily limit applicable to you will b		4871	time you schedule the transfer. The maximum daily limit applicable to you will b
	>	e		>	e
n			n	4872
	4841	displayed at the time you set up the transfer and may be lower than the maximum		4873	displayed at the time you set up the transfer and may be lower than the maximum
	4842	shown in the table below. If your From Account is a home equity line of credit s		4874	shown in the table below. If your From Account is a home equity line of credit s
	>	ecured		>	ecured
	4843	by your Texas homestead, to the extent eligible, each transfer must be a minimum		4875	by your Texas homestead, to the extent eligible, each transfer must be a minimum
	>	of		>	of
	4873	received after the Cutoff Time, funds will be posted to, and viewable in, the		4905	received after the Cutoff Time, funds will be posted to, and viewable in, the
	4874	Investment Account by 5:01 p.m. ET on the second Business Day following the day		4906	Investment Account by 5:01 p.m. ET on the second Business Day following the day
	4875	the Instruction was made. These funds will be available for trading at or about		4907	the Instruction was made. These funds will be available for trading at or about
n	4876		n
	4877	11:59 p.m. ET on the day they post and are viewable in the Investment Account.		4908	11:59 p.m. ET on the day they post and are viewable in the Investment Account.
	4878	During the interim period between when the funds are posted and are viewable		4909	During the interim period between when the funds are posted and are viewable
n			n	4910
	4879	and available for trading, a hold for the amount in question will be placed on t		4911	and available for trading, a hold for the amount in question will be placed on t
	>	he		>	he
	4880	External Account in the amount of the transfer for up to four (4) Business Days.		4912	External Account in the amount of the transfer for up to four (4) Business Days.
	4881	B. Transfers from Investment Account. When Instructions are received at or befor		4913	B. Transfers from Investment Account. When Instructions are received at or befor
	>	e		>	e
	4914	to cover a Current Day payment, we will not retry the payment and it will be		4946	to cover a Current Day payment, we will not retry the payment and it will be
	4915	immediately rejected. If sufficient funds are not in your account to cover a Cur		4947	immediately rejected. If sufficient funds are not in your account to cover a Cur
	>	rent Day		>	rent Day
	4916	payment, we will not retry the transaction and the payment will be immediately		4948	payment, we will not retry the transaction and the payment will be immediately
n	4917		n
	4918	rejected. In the case of Future Dated Payments, if sufficient funds are not in y		4949	rejected. In the case of Future Dated Payments, if sufficient funds are not in y
	>	our		>	our
	4919	account on the Send On or Payment date we may reject the request, or accept the		4950	account on the Send On or Payment date we may reject the request, or accept the
n			n	4951
	4920	request and process the payment for delivery (even if such payment processing ca		4952	request and process the payment for delivery (even if such payment processing ca
	>	uses		>	uses
	4921	you to exceed your credit limit or overdraw your account). In the alternative, i		4953	you to exceed your credit limit or overdraw your account). In the alternative, i
	>	f sufficient		>	f sufficient
	4922	available credit or funds are not in your account on the Send On date or Payment		4954	available credit or funds are not in your account on the Send On date or Payment
	>	date,		>	date,
	4952	Day will be processed on the next Business Day.		4984	Day will be processed on the next Business Day.
	4953	iii. Payments to Chase Credit Card Accounts:		4985	iii. Payments to Chase Credit Card Accounts:
	4954	Note: Payments to Chase credit card accounts have separate payment options and		4986	Note: Payments to Chase credit card accounts have separate payment options and
n	4955		n
	4956	terms that will be displayed at the time Instructions are provided by you.		4987	terms that will be displayed at the time Instructions are provided by you.
	4957	iv. Payments to Securities-based Loans or Business Loans or Lines of Credit:		4988	iv. Payments to Securities-based Loans or Business Loans or Lines of Credit:
n			n	4989
	4958	Note: Securities backed, portfolio or margin lines of credit or loans have separ		4990	Note: Securities backed, portfolio or margin lines of credit or loans have separ
	>	ate		>	ate
	4959	payment options and terms that will be provided to you in your origination and/o		4991	payment options and terms that will be provided to you in your origination and/o
	>	r other		>	r other
	4960	related loan documents. Not all payment types discussed herein are available for		4992	related loan documents. Not all payment types discussed herein are available for
	4989	you perform transactions from a home equity line of credit or other credit accou		5021	you perform transactions from a home equity line of credit or other credit accou
	>	nt, please		>	nt, please
	4990	see your home equity line of credit or other credit documents for information ab		5022	see your home equity line of credit or other credit documents for information ab
	>	out your		>	out your
	4991	liability for unauthorized charges or other errors or questions relative to thos		5023	liability for unauthorized charges or other errors or questions relative to thos
	>	e accounts.		>	e accounts.
n	4992		n
	4993	Concerns about other transactions in your Investment Account or errors on your		5024	Concerns about other transactions in your Investment Account or errors on your
	4994	confirmations and statements from J.P. Morgan Securities LLC must be reported in		5025	confirmations and statements from J.P. Morgan Securities LLC must be reported in
	4995	accordance with the terms of your Brokerage Account Agreement.		5026	accordance with the terms of your Brokerage Account Agreement.
n			n	5027
	4996	2.1 Your Liability for Unauthorized Transfers		5028	2.1 Your Liability for Unauthorized Transfers
	4997	If you permit other persons to use Payments and Transfers or your Password, you		5029	If you permit other persons to use Payments and Transfers or your Password, you
	>	are		>	are
	4998	responsible for any transactions they authorize from your accounts. If you belie		5030	responsible for any transactions they authorize from your accounts. If you belie
	>	ve that your		>	ve that your
	5025	transfer and the transfer would exceed any credit line or any overdraft for such		5057	transfer and the transfer would exceed any credit line or any overdraft for such
	>	account.		>	account.
	5026	2. Your operating system or software was not functioning properly at the time yo		5058	2. Your operating system or software was not functioning properly at the time yo
	>	u		>	u
	5027	attempted to initiate such transfer and it was evident to you at the time you be		5059	attempted to initiate such transfer and it was evident to you at the time you be
	>	gan the		>	gan the
n	5028		n
	5029	transfer.		5060	transfer.
	5030	3. Circumstances beyond our control, such as fires, floods, acts of God, power o		5061	3. Circumstances beyond our control, such as fires, floods, acts of God, power o
	>	utages and		>	utages and
	5031	the like.		5062	the like.
	5032	4. The Payee or, for Payments and Transfers from an External Account, the third		5063	4. The Payee or, for Payments and Transfers from an External Account, the third
	>	party		>	party
n			n	5064
	5033	financial institution holding your account mishandles or delays processing or po		5065	financial institution holding your account mishandles or delays processing or po
	>	sting a		>	sting a
	5034	transfer sent by Payments and Transfers.		5066	transfer sent by Payments and Transfers.
	5035	5. If you have not provided us with complete and correct transfer information, i		5067	5. If you have not provided us with complete and correct transfer information, i
	>	ncluding		>	ncluding
	5063	account less than 30 days before the date of the suspected error, the 10-Busines		5095	account less than 30 days before the date of the suspected error, the 10-Busines
	>	s-Day period		>	s-Day period
	5064	is extended to 20 Business Days. If you opened your account less than 30 days be		5096	is extended to 20 Business Days. If you opened your account less than 30 days be
	>	fore the		>	fore the
	5065	date of the suspected error or the transaction occurred at a point-of-sale locat		5097	date of the suspected error or the transaction occurred at a point-of-sale locat
	>	ion or outside		>	ion or outside
n	5066		n
	5067	the U.S., the 45-day period is extended to 90 days.		5098	the U.S., the 45-day period is extended to 90 days.
	5068	If you call us, we may require that you send us your complaint or question in wr		5099	If you call us, we may require that you send us your complaint or question in wr
	>	iting within 10		>	iting within 10
	5069	Business Days. If we do not receive it within 10 Business Days, we may not credi		5100	Business Days. If we do not receive it within 10 Business Days, we may not credi
	>	t your		>	t your
n			n	5101
	5070	balance.		5102	balance.
	5071	We will tell you the results within three Business Days after completing our inv		5103	We will tell you the results within three Business Days after completing our inv
	>	estigation. If		>	estigation. If
	5072	we decide that there was no error, we will send you a written explanation. You m		5104	we decide that there was no error, we will send you a written explanation. You m
	>	ay ask for		>	ay ask for
	5097	You are responsible for all Payments and Transfers that are authorized using you		5129	You are responsible for all Payments and Transfers that are authorized using you
	>	r Password.		>	r Password.
	5098	If you permit other persons to use the Services or your Password, you are respon		5130	If you permit other persons to use the Services or your Password, you are respon
	>	sible for any		>	sible for any
	5099	transactions they authorize. NOTE: ACCOUNT ACCESS THROUGH THE ONLINE SERVICE IS		5131	transactions they authorize. NOTE: ACCOUNT ACCESS THROUGH THE ONLINE SERVICE IS
n	5100		n
	5101	SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR		5132	SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS FOR YOUR
	5102	ACCOUNTS. THEREFORE, WHEN YOU GIVE AN INDIVIDUAL THE AUTHORITY TO ACCESS		5133	ACCOUNTS. THEREFORE, WHEN YOU GIVE AN INDIVIDUAL THE AUTHORITY TO ACCESS
	5103	ACCOUNTS THROUGH THE ONLINE SERVICE, THAT INDIVIDUAL MAY HAVE ACCESS TO ONE		5134	ACCOUNTS THROUGH THE ONLINE SERVICE, THAT INDIVIDUAL MAY HAVE ACCESS TO ONE
	5104	OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL WOULD NOT OTHERWISE HAVE		5135	OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL WOULD NOT OTHERWISE HAVE
n			n	5136
	5105	SIGNATURE ACCESS. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED		5137	SIGNATURE ACCESS. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED
	5106	OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. WE SHALL BE ENTITLED TO RELY ON		5138	OR OTHERWISE IMPROPER USE OF YOUR PASSWORD. WE SHALL BE ENTITLED TO RELY ON
	5107	THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN		5139	THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN
	5136	• "Payment date" refers to the date you would like your payment sent to your Cha		5168	• "Payment date" refers to the date you would like your payment sent to your Cha
	>	se		>	se
	5137	Loan or Credit Account.		5169	Loan or Credit Account.
	5138	• "Preauthorized Electronic Funds Transfer” refers to an electronic funds transf		5170	• "Preauthorized Electronic Funds Transfer” refers to an electronic funds transf
	>	er you		>	er you
n	5139		n
	5140	have authorized in advance to recur at substantially regular intervals (e.g., Re		5171	have authorized in advance to recur at substantially regular intervals (e.g., Re
	>	peating		>	peating
	5141	Transfers and Payments, and Automatic Payments).		5172	Transfers and Payments, and Automatic Payments).
	5142	• “Repeating” refers to automatic recurring transfers made to the same To Accoun		5173	• “Repeating” refers to automatic recurring transfers made to the same To Accoun
	>	t for		>	t for
	5143	the same amount which you can authorize for transmission.		5174	the same amount which you can authorize for transmission.
n			n	5175
	5144	• “Sent” refers to the status of a Transfer where the funds have been debited fr		5176	• “Sent” refers to the status of a Transfer where the funds have been debited fr
	>	om the		>	om the
	5145	applicable account, but which the Transfer has not yet been posted to the accoun		5177	applicable account, but which the Transfer has not yet been posted to the accoun
	>	t.		>	t.
	5146	• “Transfers” refers to, collectively, Internal and External Transfers.		5178	• “Transfers” refers to, collectively, Internal and External Transfers.
	5147	Addendum:		5179	Addendum:
	5148	Zelle® Service		5180	Zelle® Service
n	5149	Last updated: 3/18/2026	n	5181	Last updated: 10/16/2026
	5150	This Addendum governs your use of the Zelle® service with Chase as described her		5182	This Addendum governs your use of the Zelle® service with Chase as described her
	>	ein.		>	ein.
	5151	References to Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay®, Chase Q		5183	References to Zelle with Chase, Zelle with J.P. Morgan, Chase QuickPay®, Chase Q
	>	uickPay®		>	uickPay®
	5152	with Zelle®, QuickPay, Send Money with Zelle®, Chase Person- to-Person QuickPay,		5184	with Zelle®, QuickPay, Send Money with Zelle®, Chase Person- to-Person QuickPay,
	>	Chase		>	Chase
	5161	Zelle with us or are enrolled with a financial institution that provides Zelle t		5193	Zelle with us or are enrolled with a financial institution that provides Zelle t
	>	hrough its		>	hrough its
	5162	online banking and/or mobile app (each, a “User”) using aliases, such as email		5194	online banking and/or mobile app (each, a “User”) using aliases, such as email
	5163	addresses, mobile phone numbers or other unique identifiers described in these t		5195	addresses, mobile phone numbers or other unique identifiers described in these t
	>	erms		>	erms
n	5164	(the “Service). We will refer to financial institutions, like Chase, that provid	n	5196	(the “Service"). We will refer to financial institutions, like Chase, that provi
	>	e Zelle®		>	de Zelle®
	5165	through its online banking and/or mobile app as “Network Financial Institutions”		5197	through its online banking and/or mobile app as “Network Financial Institutions”
	>	.		>	.
	5166	b. Zelle and the Zelle related marks are wholly owned by Early Warning Services,		5198	b. Zelle and the Zelle related marks are wholly owned by Early Warning Services,
	>	LLC and		>	LLC and
	5167	are used herein under license.		5199	are used herein under license.
	5173	WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.		5205	WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.
	5174	e. NEITHER WE NOR ZELLE® OFFERS PURCHASE PROTECTION FOR AUTHORIZED		5206	e. NEITHER WE NOR ZELLE® OFFERS PURCHASE PROTECTION FOR AUTHORIZED
	5175	PAYMENTS MADE WITH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE		5207	PAYMENTS MADE WITH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE
n	5176		n
	5177	GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU		5208	GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU
	5178	RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). For more		5209	RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). For more
	5179	information, see the section titled “No Purchase Protection” below. REIMBURSEMEN		5210	information, see the section titled “No Purchase Protection” below. REIMBURSEMEN
	>	T IS		>	T IS
	5180	AVAILABLE FOR VALID, TIMELY UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS		5211	AVAILABLE FOR VALID, TIMELY UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS
n			n	5212
	5181	RESULTING FOR CERTAIN QUALIFYING IMPOSTER SCAMS. See your deposit account		5213	RESULTING FOR CERTAIN QUALIFYING IMPOSTER SCAMS. See your deposit account
	5182	agreement for information on your error resolution rights and contact informatio		5214	agreement for information on your error resolution rights and contact informatio
	>	n for		>	n for
	5183	notifying us about disputed transactions.		5215	notifying us about disputed transactions.
	5217	payments.		5249	payments.
	5218	iii. You agree that you will not authorize a third party to use the Service or s		5250	iii. You agree that you will not authorize a third party to use the Service or s
	>	hare your		>	hare your
	5219	credentials with a third party to use the Service on your behalf except in legal		5251	credentials with a third party to use the Service on your behalf except in legal
	>	ly		>	ly
n	5220		n
	5221	authorized situations such as legal guardianship or pursuant to a power of		5252	authorized situations such as legal guardianship or pursuant to a power of
	5222	attorney.		5253	attorney.
	5223	iv. As a recipient or sender of any transfer using the Service, you acknowledge		5254	iv. As a recipient or sender of any transfer using the Service, you acknowledge
	>	and		>	and
	5224	agree that we may, in our discretion, (A) require the use of a trusted device (a		5255	agree that we may, in our discretion, (A) require the use of a trusted device (a
	>	s		>	s
n			n	5256
	5225	defined in your deposit account agreement) in order to use the Service, (B) dela		5257	defined in your deposit account agreement) in order to use the Service, (B) dela
	>	y,		>	y,
	5226	block or cancel a payment, (C) put a hold on the amount of such payment to or		5258	block or cancel a payment, (C) put a hold on the amount of such payment to or
	5227	from the Pay From Account or other account (as permitted by applicable law), or		5259	from the Pay From Account or other account (as permitted by applicable law), or
	5261	social media marketplaces or messaging apps. Neither we nor Zelle offer		5293	social media marketplaces or messaging apps. Neither we nor Zelle offer
	5262	purchase protection for non-receipt, damage, or "not as described" claims		5294	purchase protection for non-receipt, damage, or "not as described" claims
	5263	related to the purchase of goods and/or services. See the section titled No		5295	related to the purchase of goods and/or services. See the section titled No
n	5264		n
	5265	Purchase Protection for more information.		5296	Purchase Protection for more information.
	5266	• If you are sending a Zelle payment from your Chase account that is identified		5297	• If you are sending a Zelle payment from your Chase account that is identified
	5267	as originating from contact through social media, we may, in our discretion		5298	as originating from contact through social media, we may, in our discretion
	5268	delay, decline or block that payment.		5299	delay, decline or block that payment.
n			n	5300
	5269	• We may request information from you (for example, when you set up a		5301	• We may request information from you (for example, when you set up a
	5270	payment or add a recipient) regarding your purpose of payment, the method		5302	payment or add a recipient) regarding your purpose of payment, the method
	5271	of contact with your recipient, or other details we deem appropriate to assess		5303	of contact with your recipient, or other details we deem appropriate to assess
	5305	in Zelle transactions.		5337	in Zelle transactions.
	5306	n. Zelle tags: The Service may include functionality for you to use a unique alp		5338	n. Zelle tags: The Service may include functionality for you to use a unique alp
	>	ha-numeric		>	ha-numeric
	5307	identifier to your enrolled User profile to be used in lieu of your mobile phone		5339	identifier to your enrolled User profile to be used in lieu of your mobile phone
	>	number		>	number
n	5308		n
	5309	or email address when sending, receiving, or requesting money, which will be you		5340	or email address when sending, receiving, or requesting money, which will be you
	>	r		>	r
	5310	“Zelle® tag.” Not all Users may be eligible for Zelle tag enrollment, and Zelle		5341	“Zelle® tag.” Not all Users may be eligible for Zelle tag enrollment, and Zelle
	>	and Chase		>	and Chase
	5311	may determine eligibility in their sole discretion. Initially, only Chase Busine		5342	may determine eligibility in their sole discretion. Initially, only Chase Busine
	>	ss Account		>	ss Account
	5312	Users of our Zelle service are eligible to enroll a Zelle tag, although consumer		5343	Users of our Zelle service are eligible to enroll a Zelle tag, although consumer
	>	Zelle		>	Zelle
n			n	5344
	5313	Users may send money to and receive payment requests from a User using a Zelle t		5345	Users may send money to and receive payment requests from a User using a Zelle t
	>	ag.		>	ag.
	5314	Each Zelle tag must have an eligible U.S. mobile phone number associated with it		5346	Each Zelle tag must have an eligible U.S. mobile phone number associated with it
	>	, and		>	, and
	5315	there will be a limit on the number of Zelle tags you may use. Your Zelle tag mu		5347	there will be a limit on the number of Zelle tags you may use. Your Zelle tag mu
	>	st meet		>	st meet
	5347	from another User at that User’s initiation or in response to your request, subj		5379	from another User at that User’s initiation or in response to your request, subj
	>	ect to the		>	ect to the
	5348	conditions of the Section below titled “Requesting Money.”		5380	conditions of the Section below titled “Requesting Money.”
	5349	4. If at any time while you are enrolled, you do not send or receive money using		5381	4. If at any time while you are enrolled, you do not send or receive money using
	>	the		>	the
n	5350		n
	5351	Service for a period of twelve (12) consecutive months, we may contact you and/o		5382	Service for a period of twelve (12) consecutive months, we will deactivate your
	>	r take		>	unused
	5352	other steps to confirm that the U.S. mobile phone number, email address, or Zell		5383	Zelle token(s). We will give you notice of the inactivity and potential token de
	>	e tag (if		>	activation in
	5353	applicable) that you enrolled still belongs to you. If we are unable to confirm		5384	advance as described herein, and you may request to reenroll those tokens after
	>	that you
	5354	are the owner of the mobile phone number, email address, or Zelle tag, or we rec		5385	deactivation. After eleven (11) months of inactivity, we may contact you and req
	>	eive		>	uest
	5355	information that you are not the owner of the mobile number or email address, th		5386
	>	en
	5356	you understand that we may cancel your enrollment and you will not be able to se		5387	you verify your Zelle token or complete a qualifying activity (such as sending a
	>	nd or		>	Zelle
				5388	payment from your Chase app or Chase online, or receiving a Zelle payment with t
				>	he
				5389	unused token(s)) (“verification process”) and/or take other steps to confirm tha
				>	t the U.S.
				5390	mobile phone number, email address, or Zelle tag (if applicable) that you enroll
				>	ed as
				5391	your Zelle token still belongs to you. If you do not complete the verification p
				>	rocess and
				5392	we are unable to confirm that you are the owner of the mobile phone number, emai
				>	l
				5393	address, or Zelle tag, or we receive information that you are not the owner of t
				>	he mobile
				5394	number, email address or Zelle tag, then we may deactivate your token(s) and can
				>	cel
				5395	your enrollment in the Service and you will not be able to send or receive money
				>	with
	5357	receive money with the Service until you enroll again.		5396	the Service until you enroll again.
	5358	5. Once enrolled, a Z logo will appear on your profile for each U.S. mobile numb		5397	5. Once enrolled, a Z logo will appear on your profile for each U.S. mobile numb
	>	er, email		>	er, email
	5359	address, and/or Zelle tag (if applicable) that you have enrolled with Zelle. The		5398	address, and/or Zelle tag (if applicable) that you have enrolled with Zelle. The
	>	Z logo will		>	Z logo will
	5360	be displayed to other Users to aid them in determining which of your U.S. mobile		5399	be displayed to other Users to aid them in determining which of your U.S. mobile
	5386	4. We will not notify the User that you have blocked them; however, we cannot		5425	4. We will not notify the User that you have blocked them; however, we cannot
	5387	guarantee that the User will not become aware that you have blocked them;		5426	guarantee that the User will not become aware that you have blocked them;
	5388	5. Neither we nor Zelle shall have any liability to you or any third party for a		5427	5. Neither we nor Zelle shall have any liability to you or any third party for a
	>	ny losses		>	ny losses
n			n	5428
	5389	or damages related to any delay or failure by us to block a User, for any		5429	or damages related to any delay or failure by us to block a User, for any
	5390	subsequent payments or requests from that User that we are unable to block due		5430	subsequent payments or requests from that User that we are unable to block due
	5391	to Network limitations.		5431	to Network limitations.
n	5392		n
	5393	3. Statements		5432	3. Statements
	5394	All of your transfers made through the Service to or from a Chase Account will a		5433	All of your transfers made through the Service to or from a Chase Account will a
	>	ppear on		>	ppear on
	5395	the J.P. Morgan Chase statement for such account.		5434	the J.P. Morgan Chase statement for such account.
	5423	identity and to protect against or prevent actual or potential fraud, scams, or		5462	identity and to protect against or prevent actual or potential fraud, scams, or
	>	unauthorized		>	unauthorized
	5424	use of the Service. By using the Service, you authorize your wireless carrier to		5463	use of the Service. By using the Service, you authorize your wireless carrier to
	>	use or disclose		>	use or disclose
	5425	information about your account and your wireless device, if available, to Zelle		5464	information about your account and your wireless device, if available, to Zelle
	>	or its service		>	or its service
n			n	5465
	5426	providers, for the duration of your business relationship, solely to help identi		5466	providers, for the duration of your business relationship, solely to help identi
	>	fy you or your		>	fy you or your
	5427	wireless device and to help prevent scams and fraud.		5467	wireless device and to help prevent scams and fraud.
	5428	Disclosure of Account Information to Third Parties		5468	Disclosure of Account Information to Third Parties
n	5429		n
	5430	We may disclose information to third parties about your account or the funds you		5469	We may disclose information to third parties about your account or the funds you
	>	send or		>	send or
	5431	receive:		5470	receive:
	5432	1. as necessary to complete transactions;		5471	1. as necessary to complete transactions;
	5458	Cutoff Times:		5497	Cutoff Times:
	5459	Between Chase Accounts: The Cutoff Time for sending payments in order for recipi		5498	Between Chase Accounts: The Cutoff Time for sending payments in order for recipi
	>	ents to		>	ents to
	5460	receive money on the same day is 11:00 p.m. ET on any Business Day.		5499	receive money on the same day is 11:00 p.m. ET on any Business Day.
n			n	5500
	5461	Between a Chase Account and a Network Bank Account: The Cutoff Time for receivin		5501	Between a Chase Account and a Network Bank Account: The Cutoff Time for receivin
	>	g		>	g
	5462	payments from a Network Bank Account is 11:00 p.m. ET on any Business Day. The C		5502	payments from a Network Bank Account is 11:00 p.m. ET on any Business Day. The C
	>	utoff		>	utoff
	5463	Time for sending payments to a Network Bank Account is 8:00 p.m. ET on any Busin		5503	Time for sending payments to a Network Bank Account is 8:00 p.m. ET on any Busin
	>	ess Day.		>	ess Day.
n	5464		n
	5465	8. Receiving Money		5504	8. Receiving Money
	5466	a. You authorize us to accept, on your behalf, all payments sent to you through		5505	a. You authorize us to accept, on your behalf, all payments sent to you through
	>	the		>	the
	5467	Service. Once a Zelle user initiates a transfer of money to your email address,		5506	Service. Once a Zelle user initiates a transfer of money to your email address,
	>	mobile		>	mobile
	5496	sender’s account and deposited in the recipient’s account. The recipient may not		5535	sender’s account and deposited in the recipient’s account. The recipient may not
	>	initiate		>	initiate
	5497	a transfer of funds from a third party’s From Account to the recipient’s To Acco		5536	a transfer of funds from a third party’s From Account to the recipient’s To Acco
	>	unt.		>	unt.
	5498	9. Requesting Money		5537	9. Requesting Money
n			n	5538
	5499	a. You may only send a request for payment using Zelle to an enrolled token (mob		5539	a. You may only send a request for payment using Zelle to an enrolled token (mob
	>	ile		>	ile
	5500	phone, email or Zelle Tag) of a recipient who is enrolled in Zelle at Chase or a		5540	phone, email or Zelle Tag) of a recipient who is enrolled in Zelle at Chase or a
	>	nother		>	nother
	5501	Network Financial Institution, you may cancel a request for payment you have sen		5541	Network Financial Institution, you may cancel a request for payment you have sen
	>	t, but		>	t, but
	5502	if the recipient of your request has already initiated a payment in response to		5542	if the recipient of your request has already initiated a payment in response to
	>	that		>	that
n	5503		n
	5504	request, we cannot guarantee successful cancellation of their payment. We will a		5543	request, we cannot guarantee successful cancellation of their payment. We will a
	>	ttempt		>	ttempt
	5505	to cancel their payment unless it is a Current Day payment, the payment is alrea		5544	to cancel their payment unless it is a Current Day payment, the payment is alrea
	>	dy		>	dy
	5506	accepted, or it is after the Cutoff Time on the Send On Date.		5545	accepted, or it is after the Cutoff Time on the Send On Date.
	5538	initiate a debit entry to your bank account. You understand that when you send t		5577	initiate a debit entry to your bank account. You understand that when you send t
	>	he payment,		>	he payment,
	5539	once it reaches Funded status, which typically happens immediately after you ini		5578	once it reaches Funded status, which typically happens immediately after you ini
	>	tiate the		>	tiate the
	5540	payment, you will have no ability to stop or cancel it. Otherwise, you may only		5579	payment, you will have no ability to stop or cancel it. Otherwise, you may only
	>	cancel a		>	cancel a
n			n	5580
	5541	payment once you initiate it if the person to whom you sent the money has not ye		5581	payment once you initiate it if the person to whom you sent the money has not ye
	>	t enrolled		>	t enrolled
	5542	in the Service with the email address or mobile number to which you initiated th		5582	in the Service with the email address or mobile number to which you initiated th
	>	e payment. If		>	e payment. If
	5543	the person you sent money to has already enrolled with Zelle with a Network Fina		5583	the person you sent money to has already enrolled with Zelle with a Network Fina
	>	ncial		>	ncial
	5544	Institution, the money is sent directly to their bank account and may not be can		5584	Institution, the money is sent directly to their bank account and may not be can
	>	celed or		>	celed or
n	5545		n
	5546	revoked (except as otherwise provided herein). We therefore recommend that you u		5585	revoked (except as otherwise provided herein). We therefore recommend that you u
	>	se the		>	se the
	5547	Service to send money only to recipients you know and trust.		5586	Service to send money only to recipients you know and trust.
	5548	You acknowledge and agree that payment transfers will be completed using only th		5587	You acknowledge and agree that payment transfers will be completed using only th
	>	e email		>	e email
	5576	acceptance.		5615	acceptance.
	5577	For transfers between Chase Accounts, funds should typically be available within		5616	For transfers between Chase Accounts, funds should typically be available within
	>	minutes, but		>	minutes, but
	5578	no later than the next Business Day if the transfer is sent before the Cutoff Ti		5617	no later than the next Business Day if the transfer is sent before the Cutoff Ti
	>	me.		>	me.
n			n	5618
	5579	Current Day transfers between Chase Accounts: Any transfer Instruction for a req		5619	Current Day transfers between Chase Accounts: Any transfer Instruction for a req
	>	uested		>	uested
	5580	Current Day transfer received by us after the Cutoff Time or on non-Business Day		5620	Current Day transfer received by us after the Cutoff Time or on non-Business Day
	>	s will not be		>	s will not be
	5581	a Current Day transfer and will be processed the following Business Day. If ther		5621	a Current Day transfer and will be processed the following Business Day. If ther
	>	e are		>	e are
	5582	insufficient available funds to cover a Current Day transfer, the transfer reque		5622	insufficient available funds to cover a Current Day transfer, the transfer reque
	>	st will fail and		>	st will fail and
n	5583		n
	5584	we will not make repeat attempts to debit the applicable account.		5623	we will not make repeat attempts to debit the applicable account.
	5585	Repeating and Future Dated transfers between Chase Accounts: In the case of Repe		5624	Repeating and Future Dated transfers between Chase Accounts: In the case of Repe
	>	ating and		>	ating and
	5586	Future Dated transfers, if sufficient funds are not in the From Account on the S		5625	Future Dated transfers, if sufficient funds are not in the From Account on the S
	>	end On Date,		>	end On Date,
	5615	minutes or within two Business Days following acceptance. Once your transfer has		5654	minutes or within two Business Days following acceptance. Once your transfer has
	>	been		>	been
	5616	submitted and confirmed, we will provide you information on when the funds for e		5655	submitted and confirmed, we will provide you information on when the funds for e
	>	ach		>	ach
	5617	transfer will become available.		5656	transfer will become available.
n			n	5657
	5618	Transfers from a Network Bank Account to a Chase Account: Transfers from non-Cha		5658	Transfers from a Network Bank Account to a Chase Account: Transfers from non-Cha
	>	se		>	se
	5619	Network Bank Accounts to Chase Accounts are subject to the terms of service of t		5659	Network Bank Accounts to Chase Accounts are subject to the terms of service of t
	>	he Network		>	he Network
	5620	Financial Institution and may be delayed or cancelled as the Network Financial I		5660	Financial Institution and may be delayed or cancelled as the Network Financial I
	>	nstitution may		>	nstitution may
n	5621		n
	5622	determine in its sole discretion.		5661	determine in its sole discretion.
	5623	Funds will be typically available in the Chase account when J.P. Morgan Chase re		5662	Funds will be typically available in the Chase account when J.P. Morgan Chase re
	>	ceives a		>	ceives a
	5624	guarantee of payment or a similar notice from the Network Financial Institution		5663	guarantee of payment or a similar notice from the Network Financial Institution
	>	sending the		>	sending the
	5650	Tier 2 $5,000 $7,500 $7,500 $7,500 $7,500		5689	Tier 2 $5,000 $7,500 $7,500 $7,500 $7,500
	5651	Tier 3 $10,000 $15,000 $15,000 $15,000 $15,000		5690	Tier 3 $10,000 $15,000 $15,000 $15,000 $15,000
	5652	We’ll show you the applicable limit for your transaction in the Chase Mobile app		5691	We’ll show you the applicable limit for your transaction in the Chase Mobile app
	>	or Chase		>	or Chase
n			n	5692
	5653	online when you set it up. For same day payments, if you’ve already sent a trans		5693	online when you set it up. For same day payments, if you’ve already sent a trans
	>	action to		>	action to
	5654	someone that day, we’ll show you the remaining amount of your daily limit if you		5694	someone that day, we’ll show you the remaining amount of your daily limit if you
	>	send to		>	send to
	5655	another recipient within the same tier. The limit tiers are based on a number of		5695	another recipient within the same tier. The limit tiers are based on a number of
	>	factors which		>	factors which
n	5656		n
	5657	we cannot share for security reasons and which may change from time to time in o		5696	we cannot share for security reasons and which may change from time to time in o
	>	ur		>	ur
	5658	discretion. We do not currently limit the dollar amount you may receive each day		5697	discretion. We do not currently limit the dollar amount you may receive each day
	>	through		>	through
	5659	Zelle.		5698	Zelle.
	5687	may assess a fee or charge interest for any such overdraft in accordance with th		5726	may assess a fee or charge interest for any such overdraft in accordance with th
	>	e terms of		>	e terms of
	5688	your deposit account agreement. We will not be liable for failure to pay any tra		5727	your deposit account agreement. We will not be liable for failure to pay any tra
	>	nsfer request		>	nsfer request
	5689	unless it is drawn against available funds credited to the designated From Accou		5728	unless it is drawn against available funds credited to the designated From Accou
	>	nt. You will		>	nt. You will
n			n	5729
	5690	be responsible for paying any telephone company or utility charges and/or Intern		5730	be responsible for paying any telephone company or utility charges and/or Intern
	>	et access		>	et access
	5691	service fees incurred while using telephone lines and/or Internet access service		5731	service fees incurred while using telephone lines and/or Internet access service
	>	s to connect		>	s to connect
	5692	with the Service.		5732	with the Service.
n	5693		n
	5694	15. Limitation of Liability: No Warranties		5733	15. Limitation of Liability: No Warranties
	5695	Neither we nor Zelle shall be liable for any typos or keystroke errors that you		5734	Neither we nor Zelle shall be liable for any typos or keystroke errors that you
	>	may make when		>	may make when
	5696	using the Service, including input errors in typing the recipient’s Zelle ID as		5735	using the Service, including input errors in typing the recipient’s Zelle ID as
	>	explained above.		>	explained above.
	5702	AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE RESPONSIBLE FOR ANY LOSS,		5741	AGENTS AND EMPLOYEES ARE NOT AND SHALL NOT BE RESPONSIBLE FOR ANY LOSS,
	5703	DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY,		5742	DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY,
	5704	OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED		5743	OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED
n	5705	TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENENACE	n	5744	TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE INSTALLATION OR MAINTENANCE
	5706	THEREOF, ACCESS TO OR USE OF THE SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL		5745	THEREOF, ACCESS TO OR USE OF THE SERVICE, FAILURE OF ELECTRONIC OR MECHANICAL
	5707	EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR		5746	EQUIPMENT, THE INTERNET, THE SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR
	5708	OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR		5747	OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR
	5727	PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO		5766	PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO
	5728	THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING		5767	THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING
	5729	THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE		5768	THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE
n			n	5769
	5730	FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.		5770	FROM THE SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.
	5731	16. Binding Arbitration		5771	16. Binding Arbitration
n	5732		n
	5733	In addition to the “Disputes and Arbitration” section in the General Terms and C		5772	In addition to the “Disputes and Arbitration” section in the General Terms and C
	>	onditions at		>	onditions at
	5734	the beginning of this document, you acknowledge and agree that for any claims or		5773	the beginning of this document, you acknowledge and agree that for any claims or
	>	disputes		>	disputes
	5735	you assert against Zelle® and Early Warning Services, LLC, Zelle® and Early Warn		5774	you assert against Zelle® and Early Warning Services, LLC, Zelle® and Early Warn
	>	ing Services,		>	ing Services,
	5761	credentials to access the Zelle Service. If you permit other persons to use the		5800	credentials to access the Zelle Service. If you permit other persons to use the
	>	Service, your		>	Service, your
	5762	Password or other login credentials, you are responsible for any transactions th		5801	Password or other login credentials, you are responsible for any transactions th
	>	ey authorize.		>	ey authorize.
	5763	We shall have no liability to you for any errors or losses you sustain in using		5802	We shall have no liability to you for any errors or losses you sustain in using
	>	the Service		>	the Service
n			n	5803
	5764	except where we fail to exercise ordinary care in processing any transaction. We		5804	except where we fail to exercise ordinary care in processing any transaction. We
	>	shall also not		>	shall also not
	5765	be liable for any failure to provide any service if the account(s) involved is n		5805	be liable for any failure to provide any service if the account(s) involved is n
	>	o longer linked for		>	o longer linked for
	5766	use with the Service. Our liability in any case shall be limited to the amount o		5806	use with the Service. Our liability in any case shall be limited to the amount o
	>	f any funds		>	f any funds
	5767	improperly transferred from your From Account less any amount, which, even with		5807	improperly transferred from your From Account less any amount, which, even with
	>	the		>	the
n	5768		n
	5769	exercise of ordinary care, would have been lost.		5808	exercise of ordinary care, would have been lost.
	5770	Without regard to care or lack of care of either you or us, a failure to report		5809	Without regard to care or lack of care of either you or us, a failure to report
	>	to us any		>	to us any
	5771	unauthorized transfer or error from any of your Chase Accounts within thirty (30		5810	unauthorized transfer or error from any of your Chase Accounts within thirty (30
	>	) days of our		>	) days of our
	5800	another Network Financial Institution.		5839	another Network Financial Institution.
	5801	• “Repeating” refers to automatic recurring payments or transfers to the same To		5840	• “Repeating” refers to automatic recurring payments or transfers to the same To
	5802	Account, for the same amount which you can authorize for transmission.		5841	Account, for the same amount which you can authorize for transmission.
n			n	5842
	5803	• “Send On Date” refers to the date you select which will instruct us to begin t		5843	• “Send On Date” refers to the date you select which will instruct us to begin t
	>	he delivery		>	he delivery
	5804	process and notify the recipient of the payment. NOTE: The date that we will del		5844	process and notify the recipient of the payment. NOTE: The date that we will del
	>	iver the		>	iver the
	5805	funds to recipient may vary depending on available funds, the Business Day on wh		5845	funds to recipient may vary depending on available funds, the Business Day on wh
	>	ich it		>	ich it
	5806	falls, acceptance of the transfer or the recipient’s enrollment status in Zelle,		5846	falls, acceptance of the transfer or the recipient’s enrollment status in Zelle,
	>	and may be		>	and may be
t	5807		t
	5808	on or after the date entered in the sender’s Instructions.		5847	on or after the date entered in the sender’s Instructions.
	5809	• “Zelle” or “Zelle®” refers to a service of Early Warning Services, a digital p		5848	• “Zelle” or “Zelle®” refers to a service of Early Warning Services, a digital p
	>	ayments		>	ayments
	5810	network and company.		5849	network and company.

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