b'CARDMEMBER AGREEMENT RATES AND FEES TABLE\nINTEREST RATES AND INTEREST CHARGES\nPurchase Annual\nPercentage Rate (APR)\nMy Chase\n\nLoanSM\n\nAPR\n\n15.99% to 23.49%. This APR will vary with the market based on the Prime Rate.a\nIntroductory APRs with varying durations may be available on some accounts.\n15.99% to 23.49%. This APR will vary with the market based on the Prime Rate.a\nPromotional offers with fixed APRs and varying durations may be available from time to time on some accounts.\n\nBalance Transfer APR\n\n15.99% to 23.49%. This APR will vary with the market based on the Prime Rate.a\n\nCash Advance APR\n\n24.99%. This APR will vary with the market based on the Prime Rate.b\n\nPenalty APR and When It Up to 29.99%. This APR will vary with the market based on the Prime Rate.c\nApplies\nWe may apply the Penalty APR to your account if you:\n\xe2\x80\xa2 fail to make a Minimum Payment by the date and time that it is due; or\n\xe2\x80\xa2 make a payment to us that is returned unpaid.\nHow Long Will the Penalty APR Apply?: If we apply the Penalty APR for either of these reasons, the Penalty\nAPR could potentially remain in effect indefinitely.\nPaying Interest\n\nYour due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest\non new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We\nwill begin charging interest on balance transfers and cash advances on the transaction date.\n\nMinimum Interest Charge None\nCredit Card Tips from the To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nConsumer Financial\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore.\nProtection Bureau\n\nFEES\nAnnual Membership Fee None to $250\nMonthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My\nMy Chase PlanSM Fee\nChase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain\n(fixed finance charge)\nthe same until the My Chase Plan is paid in full.d\nTransaction Fees\nBalance Transfers\nEither $5 or 5% of the amount of each transfer, whichever is greater.\nCash Advances\nEither $10 or 5% of the amount of each transaction, whichever is greater.\nForeign Transactions\nNone\nPenalty Fees\nLate Payment\nUp to $40.\nReturn Payment\nUp to $40.\nReturn Check\nNone\nNote: This account may not be eligible for balance transfers.\nHow We Will Calculate Your Balance: We use the daily balance method (including new transactions). See Interest Charges section in this Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full\ndetails.\nPenalty Fees: A single violation of each type will not exceed $29. However, if another violation of the same type occurs within six monthly billing periods we will charge up to\nthe maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due.\nMinimum Payment: We will calculate the minimum payment as: (1) any past-due amounts; PLUS (2) any special payment obligations in connection with Flexible Financing\nOffers which require repayment of the balance over a pre-selected number of billing periods; PLUS (3) the larger of: (a) $40 (or total amount you owe if less than $40); or (b)\nthe sum of: (i) 1% of the new balance (excluding any Flexible Financing Offer balances which require special payment obligations to ensure repayment of the balance over a\npre-selected number of billing periods), PLUS (ii) any periodic interest charges and late fees we have billed you on the statement for which your minimum payment is calculated.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of June 30, 2021.\na We add 12.74% to 20.24% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR (daily periodic rate currently 0.04381% to 0.06436%). Maximum\nAPR 29.99% (daily periodic rate 0.08217%).\nb We add 21.74% to the Prime Rate to determine the Cash Advance APR (daily periodic rate currently 0.06847%). Maximum APR 29.99% (daily periodic rate 0.08217%).\nc We\n\nadd up to 26.99% to the Prime Rate to determine the Penalty APR. Maximum APR 29.99% (daily periodic rate 0.08217%).\n\nd My\n\nChase Plan Fee: The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction or amount selected to\ncreate the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee\nwill be disclosed during the activation of each My Chase Plan.\n\nMILITARY LENDING ACT NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call 1-800-235-9978.\nCOL00081\n\n\x0cWELCOME TO\nYOUR CARDMEMBER AGREEMENT\n\n\x0cWELCOME TO YOUR ACCOUNT.\n\n1\n\nTake a moment to read and save this important information about your account. This document, along with the Rates and Fees Table, is an agreement between you (the cardmember) and JPMorgan Chase Bank, N.A.,\na subsidiary of JPMorgan Chase & Co. If you have any questions, please call us using the number on the back of your card. We\xe2\x80\x99ve agreed to lend you money as described in this agreement, and you agree to\npay us back, along with interest charges and fees. If you use this account or make any payment to it, you\xe2\x80\x99re indicating that you accept the terms of this agreement. Keep in mind: If any fee in the Rates and\nFees Table is marked \xe2\x80\x9cnone,\xe2\x80\x9d the section of this agreement that relates to that fee won\xe2\x80\x99t apply.\n\nGETTING STARTED: YOUR ACCOUNT\n\nGet acquainted with your account by reviewing the important terms below.\n\nIMPORTANT TERM\n\nWHAT IT MEANS TO YOU\n\nOUR RESPONSIBILITY\n\nCredit Access Line\n\nYou are responsible for balances on your account including amounts charged in excess of\nyour credit access line. We may also refer to credit access line as credit line or credit limit.\n\nWe will assign a credit access line to your account, and post it on your monthly\nbilling statement. We may cancel, change or restrict your credit availability at any\ntime. Each transaction is considered for approval on an individual basis, including\nthose above the credit access line. We may not approve all transactions.\n\nAuthorized Users\n\nYou are responsible for any use of your account by an authorized user or anyone else that you\npermit to use your account. You must notify us if you want them to stop using your account.\nYou also are responsible for getting any cards, checks or other means of accessing your\naccount from the authorized user.\n\nIf you request, we may issue cards that access your account to your authorized\nusers. If you wish to terminate an authorized user, we may close your account and\nopen a new account with a different account number.\n\nAnnual\nMembership Fee\n\nIf your account has an annual fee, you are responsible for it every year your account is open or\nuntil your account is closed and paid in full. Your monthly billing statement will tell you how to\ncancel your account and avoid future annual fees.\n\nIf your account has an annual fee, we will add your annual fee to your monthly\nbilling statement once a year, whether or not you use your account. Your annual\nfee will be added to your purchase balance and may incur interest.\n\nAmendments\n\nWe may change the terms of this agreement including APRs and fees from time to time.\nWe may also add new terms or delete terms. APRs or other terms may also change\nwithout amendment, for example when the Prime Rate changes or the penalty APR\nbecomes applicable. See the Variable Rate and Penalty APR sections for details.\n\nOur ability to make changes to this agreement is limited by applicable law.\nWe may communicate amendments to this agreement to you via mail, email\nor other electronic means, or included in your monthly billing statements as\npermitted by law.\n\n\x0cIMPORTANT DEFINITIONS\nTERM\n\nWHAT IT MEANS\n\nCash-like\nTransactions\n\nCash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted:\n\xe2\x80\xa2 purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions;\n\xe2\x80\xa2 purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions;\n\xe2\x80\xa2 person-to-person money transfers and account-funding transactions that transfer currency; and\n\xe2\x80\xa2 making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider.\n\nPayment Due\nDate\n\nPayments are due on the payment due date shown on your monthly statement. The monthly statement also explains when the payment must reach us in order to be considered\nreceived as of that date. Payments received after the required time will be credited on the next business day.\n\nVariable Rate\n\nWe calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or\nfederal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as\nof the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The\nPrime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.\n\nDefault\n\nYour account will be in default if:\n1) You do not pay at least the minimum payment when due; 2) You fail to comply with this or other agreements with us or one of our related banks; or 3) We believe you may be unwilling\nor unable to pay your debts on time; you file for bankruptcy; or you become incapacitated or die.\nIf your account is in default, we may close it without notice and require you to pay your unpaid balance immediately. We can also begin collection activities. To the extent permitted by\nlaw, if you are in default because you have failed to pay us, we will require you to pay our collection costs, attorneys\xe2\x80\x99 fees, court costs, and all other expenses of enforcing our rights\nunder this agreement.\n\nInterest Saving\nBalance\n\nWhen you take advantage of Flexible Financing Offers, we will not charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month.\nIf your Interest Saving Balance for any billing cycle is less than your minimum payment due, your Interest Saving Balance amount will reflect your minimum payment due to avoid a\nlate fee.\n\nFlexible Financing\nOffers\n\nWhen you take advantage of Flexible Financing Offers, like those available with My Chase Loan SM and My Chase PlanSM, you can pay those balances over time based on their offer\nterms and still avoid additional interest charges on new purchases.\n\n2\n\n\x0c3\n\nUSING YOUR CARD\nYou can use your account in the following ways. Your account is to be used only for personal, family or household purposes. You cannot use your account\nfor illegal purposes, such as writing checks against uncollected funds. You agree that we may rely on information provided to us by merchants and the\napplicable payment network to categorize transactions as Purchases, Balance Transfers or Cash Advances.\n\nTRANSACTIONS\n\nWHAT IT MEANS TO YOU\n\nOUR RESPONSIBILITY\n\nPurchases\n\nYou may use your account to buy goods and services.\n\nWe authorize charges to your account in accordance with the terms of this agreement.\n\nBalance\nTransfers\n\nIf eligible for a balance transfer, you can transfer balances to your account\nby using balance transfer checks, visiting our website or calling us.\n\nWe permit balance transfers from most non-Chase accounts. We do not permit balance transfers from\nother accounts or loans with us or any of our related banks.\n\nCash\nAdvances\n\nYou may obtain cash from automatic teller machines, at banks or by using\ncash advance checks. Unless we say otherwise, balance transfer checks\nor promotional checks made payable to cash or yourself will be treated as\ncash advances.\n\nWe treat certain other transactions as cash advances. See the Cash-like Transactions section under\nImportant Definitions above.\n\nChecks\n\nFor your protection, balance transfer and cash advance checks must be\nsigned by the person whose name is printed on the checks.\n\nWe may provide balance transfer checks and cash advance checks for your use; we have the right not\nto pay a check for any reason.\n\nAutomatic Charges\n\nYou may set up scheduled and repeat transactions to your account. If your\naccount is closed or suspended, or your account number changes, you will\nneed to contact any persons that you are paying by automatic transactions.\n\nWe are not responsible for scheduled and repeat transactions if your account is closed, suspended\nor the account number changes.\n\nYou may receive special offers related to your account.\n\nAny special offer is subject to this agreement, unless explained otherwise.\n\nPromotions\n\n\x0cForeign Transaction\nFee and Exchange\nRate\n\nThere is a fee, unless \xe2\x80\x9cNone\xe2\x80\x9d is stated in the Rates and Fees Table, for\ntransactions that are made in a currency other than U.S. Dollars. Our fee is\na percentage of the U.S. Dollar amount of the transaction. Please see the\nRates and Fees Table for the amount of this fee, if any.\n\n\xe2\x80\xa2 \x07If a transaction is in a foreign currency, Visa International or Mastercard International will convert\nthe transaction into U.S. dollars using their own currency conversion procedures, and then will send\nus the transaction amount. The exchange rate will be determined using either the range of rates\navailable in the wholesale currency markets for the processing date (which may be different from\nthe rate the card association receives) or a government-mandated rate in effect on that date. The\nexchange rate used by Visa or Mastercard may differ from the rate on the date of your transaction.\n\xe2\x80\xa2 \x07In the case of returned or exchanged merchandise that was purchased in a foreign currency, the\nexchange rate is determined on the date of the return.\n\nAuthorization of\nTransactions / Closing\nYour Account\n\nWe are not obligated to honor every transaction, and we may close or\nsuspend your account. Sometimes we close accounts based not on your\nactions or inactions, but on our business needs.\n\nWe may decline transactions for any reason, including: operational matters, the account is in default,\nor suspected fraudulent or unlawful activity. We are not responsible for any losses associated with\na declined transaction.\n\nMy Chase Loan SM\n\nIf eligible, you may use the My Chase Loan feature to obtain cash as\nan electronic deposit into an eligible bank account held by a financial\ninstitution located in the United States by accepting a My Chase Loan offer.\nEach offer will include a My Chase Loan APR and the number of billing\nperiods it will take to pay the My Chase Loan balance in full by making\nregular payments each monthly billing period.\nYour ability to create a My Chase Loan balance is based on a variety of\nfactors, such as your creditworthiness, your credit limit, and your past\naccount behavior. You will not be able to create a My Chase Loan balance\nif you enroll in a debt management program or if your account is closed\nor in default.\nMy Chase Loan transactions are not Cash Advances or Balance Transfers.\nMy Chase Loan provides Flexible Financing Offers. Therefore, when you\nhave a My Chase Loan balance on your account, we will not charge you\ninterest on new purchases if you pay your entire Interest Saving Balance\nby the due date each month.\n\nAt our discretion, we may make My Chase Loan available to you; we may decline a My Chase Loan\ntransaction for any reason.\n\n\x0cMy Chase Plan SM\n\nIf eligible, you may use the My Chase Plan feature through Chase.com or\nthe Chase Mobile App to create, from recent eligible purchase transactions\nor eligible amounts, a My Chase Plan balance with set repayment terms,\nsubject to the My Chase Plan Fee. From the available offers, you select how\nmany billing periods it will take to pay the My Chase Plan balance in full by\nmaking regular payments each monthly billing period. For each billing period\nduring which there is a balance in the My Chase Plan, you will be charged\nthe My Chase Plan Fee, rather than interest under the Purchase APR.\nAn eligible purchase transaction for My Chase Plan is a purchase of at\nleast a specified dollar amount but may not include certain purchase\ntransactions, such as cash-like transactions and any fee owed to us,\nincluding Annual Membership Fees. An eligible amount for My Chase Plan\nis a portion of your account balance, as specified from time to time within\nthe My Chase Plan experience. Cash advance, balance transfer and My\nChase Loan transactions are not eligible for My Chase Plan.\nYour ability to create a My Chase Plan balance is based on a variety of\nfactors, such as your creditworthiness, your credit limit, and your account\nbehavior. You will not be able to create a My Chase Plan balance if you enroll\nin a debt management program or if your account is closed or in default.\nWhen you have a My Chase Plan balance on your account, we will not\ncharge you interest on new purchases if you pay your entire Interest Saving\nBalance by the due date each month.\n\nAt our discretion, we may make My Chase Plan available to you; we may decline a My Chase Plan\ntransaction for any reason.\n\n\x0cPAYING US BACK\nYou will receive a billing statement, if one is required, each month. It will show your minimum required payment.\nAfter you make a payment, it may take up to 15 days to restore available credit on your account.\n\nIMPORTANT\nINFORMATION\n\nWHAT IT MEANS TO YOU\n\nOUR RESPONSIBILITY\n\nPayment\nInstructions\n\nYou must follow the payment instructions on your billing statement. You can pay us by:\ncheck, money order, or electronic payment drawn on a U.S. bank or a foreign bank branch\nin the U.S. All payments must be in U.S. Dollars. You authorize us to collect any payment\ncheck either electronically or by draft. Payments marked \xe2\x80\x9cpaid in full\xe2\x80\x9d must be sent to the\nConditional Payments address shown on your billing statement. See your billing statement\nfor complete payment instructions.\n\nAs long as you make your payment in accordance with the instructions on your billing\nstatement by the date and time payments are due, we will credit your payment as of the\nsame day it is received. We may accept and process any payments marked as \xe2\x80\x9cpaid in full\xe2\x80\x9d\nwithout losing our rights.\n\nMinimum\nPayment\n\nYou agree to pay at least the minimum payment when due. You also agree to pay amounts\nin excess of your credit access line when billed to your monthly statements or sooner if\nwe ask. Minimum payments may include specific fixed payments that are part of special\npromotions. You can pay down balances faster by paying more than the minimum payment\nor the total unpaid balance on your account.\n\nWe will calculate your minimum payment based on the method described below the Rates\nand Fees Table. The minimum payment will appear on your monthly statement and includes\nany past due amounts.\n\nInterest-Free\nPeriod (also\ncalled Grace\nPeriod) on\nPurchases\n\n\xe2\x80\xa2 \x07When your account is in an interest-free period, interest is not charged on new purchases.\n\xe2\x80\xa2 \x07Your account is in an interest-free period when you have paid the New Balance or Interest\nSaving Balance shown on your most recent billing statement by the due date and time.\n\xe2\x80\xa2 \x07If you do not pay the New Balance or Interest Saving Balance shown on your most recent\nbilling statement by the due date and time, you will lose your interest-free period and we\nwill charge interest on your purchases.\n\n\xe2\x80\xa2 \x07When your account is in an interest-free period, we will not charge you interest on new\npurchases.\n\xe2\x80\xa2 \x07When your account is not in an interest-free period, we will charge you interest on your\npurchases from the date the purchases appear on your account until your New Balance or\nInterest Saving Balance is paid in full.\n\xe2\x80\xa2 \x07For more details about how we calculate your interest charges, see the Interest Charges\nsection of this agreement.\n\n\x0c\xe2\x80\xa2 \x07You can regain the benefit of the interest-free period by paying your New Balance or\nInterest Saving Balance by the due date and time.\n\xe2\x80\xa2 \x07After you enter an interest-free period again, interest charges on purchases may still\nappear on your next billing statement. This reflects interest charged from the beginning\nof that billing cycle through the date that your payment for the prior billing statement\nwas received.\n\xe2\x80\xa2 \x07Balance Transfers, Checks and Cash Advances do not have an interest-free period and if\nthese balances are not paid in full by paying your New Balance or Interest Saving Balance\nby the due date and time, you will lose your interest-free period on new purchases.\n\nPayment\nAllocation\n\nCredit Balances\n\n\xe2\x80\xa2 \x07When you make a payment, generally, we first apply your minimum payment to the\nmonthly obligation for any Flexible Financing Offer balances with special payment\nobligations which require repayment of the balance over a pre-selected number of billing\nperiods, and then to the balance on your monthly statement with the lowest APR.\n\xe2\x80\xa2 \x07Any payment above your minimum payment would generally then be applied to the\nbalance on your monthly statement with the highest APR first.\n\xe2\x80\xa2 \x07If you do not pay your New Balance or Interest Saving Balance, as shown on your\nstatement, in full each month, you may not be able to avoid interest charges on\nnew purchases.\n\nWe apply payments to balances as they appear on your monthly statement before being\napplied to new transactions. An example of a new transaction is a recent purchase you made\nthat has not yet been included in the New Balance as shown on your statement.\n\nYou may request a refund of any credit balance.\n\nIf you do not request a refund, we will apply any credit balance to new charges on your\nAccount. If a credit balance remains on your account for 6 months and the amount is $1 or\nmore, we will automatically refund it to you. If your credit balance is less than $1, it will be\nremoved from your account but we will send the credit balance to you if you ask us to do so.\n\n\x0c\xe2\x80\x9cHOW TO AVOID...\xe2\x80\x9d\nCertain transactions and situations may cause your account to receive a fee or have another impact on your account. The information below explains how you can avoid these outcomes. Amounts of these fees\nare listed in the Rates and Fees Table. The Rates and Fees Table indicates amounts \xe2\x80\x9cup to\xe2\x80\x9d certain limits for penalty fees because applicable law may restrict our ability to impose the full amount of the penalty\nfee in some circumstances. See the \xe2\x80\x9cPenalty Fees\xe2\x80\x9d provision below the Rates and Fees Table for additional detail reflecting limitations imposed under applicable law. Special services you request may incur\nadditional service fees; be sure to carefully review the details of any additional services to understand the terms.\n\n\xe2\x80\x9cHOW TO AVOID...\xe2\x80\x9d WHAT TO DO\n\nWHAT IT MEANS\n\nLate Fee\n\nEnsure Chase receives at least the minimum If any payment is late, we may charge you a late fee. If the fee is based on a balance, we calculate the fee using the total\npayment shown on your billing statement when due. balance at the end of the day the fee is charged.\n\nReturn Check Fee\n\nDo not stop payment on cash advance and balance We may charge a return check fee if we stop payment on a cash advance check or balance transfer check at your request, or\ntransfer checks, and do not default.\nwe refuse to pay a cash advance check or balance transfer check for any reason, including because your account is in default.\n\nReturn Payment Fee\n\nDo not submit a payment that could be\nWe may charge this fee if the payment you offer to us is not honored, is returned unpaid, or cannot be processed.\nreturned unpaid.\n\nPenalty APR\n\nWe can apply the Penalty APR, which is higher than the APR you would otherwise pay, for either of these reasons.\n\xe2\x80\xa2 P\x07 enalty APR on New Transactions: If you fail to make a Minimum Payment by the date and time that it is due, but you\nmake the payment within 60 days of that due date, we may apply the Penalty APR. We also may apply the Penalty APR if\nyou make a payment to us that is returned unpaid. In either instance, the Penalty APR will apply to new transactions. After\nDo Not :\nwe apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate.\n\xe2\x80\xa2 \x07Fail to make a Minimum Payment by the date and \xe2\x80\xa2 P\x07 enalty APR on outstanding balances and new transactions: If we do not receive the Minimum Payment within 60 days\ntime that it is due; or\nof the date and time that it is due, then we also may apply the Penalty APR. If we apply it in this instance, the Penalty APR\n\xe2\x80\xa2 \x07Make a payment to us that is returned unpaid.\nwill apply to all existing balances on your account and new transactions. If you make six consecutive minimum payments\nwhen due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR will no longer apply.\nIf you do not make six consecutive minimum payments when due beginning with your first payment due after we apply the\nPenalty APR, then the Penalty APR could remain in effect indefinitely. After we apply the Penalty APR, we will review your\naccount from time to time to see if a reduction in the APR is appropriate.\n\nCollections\n\nDo not default.\n\nIf you are in default, we may take the actions described above in the Default section under Important Definitions above.\n\n\x0c9\n\n\xe2\x80\x9cWHAT HAPPENS IF...?\xe2\x80\x9d\nReview this section for common situations or questions that might require action from you or Chase.\n\n\xe2\x80\x9cWHAT HAPPENS IF\xe2\x80\xa6?\xe2\x80\x9d\n\nACTION\n\n\xe2\x80\xa6 I think I found a mistake on\nmy statement?\n\nWHAT IT MEANS\n\nWe will investigate\n\nWrite to us within 60 days after the suspected error appears on your billing statement. We will investigate and contact you with our\nfindings. Please see the Your Billing Rights section below for more details.\n\n\xe2\x80\xa6 I\xe2\x80\x99m dissatisfied with a credit\ncard purchase?\n\nWe will research the problem\n\nFirst, attempt to resolve the problem with the merchant. Then write to us about the purchase. We will research the problem and contact\nyou with our findings. Please see the Your Billing Rights section below for more details.\n\n\xe2\x80\xa6 my card is lost or stolen?\n\nContact us immediately and\nstop using your account\n\nIf your card is lost or stolen, or you think someone used your account without permission, tell us immediately by calling the Cardmember\nServices number on your card or billing statement. We need your help to find out what happened and correct the problem.\n\n... my account is closed or\nsuspended?\n\nYou remain responsible for your\nbalance\n\nEven if your account is closed or suspended, you must still repay all amounts you owe under the account.\n\n...I want to transfer a balance\nor make a cash advance?\n\nBalance transfer or cash\nadvance transaction fees apply\n\nYou will incur a transaction fee for these transactions. See the Rates and Fees Table for the amount of this fee.\n\n\x0cABOUT OUR RELATIONSHIP\nMaintaining a positive relationship with you is very important to us. Please review these terms to understand more about your account.\n\nIMPORTANT INFORMATION\n\nCommunications\n\nTelephone Monitoring\n\nWHAT IT MEANS\nWe may send cards, statements and other communications to you at any mailing or email address in our records. If more than one person is responsible for this account,\nwe can provide billing statements and communications to one of you. When you give us your mobile phone number, we have your permission to contact you at that number\nabout all your Chase or J.P. Morgan accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology\nfor informational and account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts.\nMessage and data rates may apply. You may contact us anytime to change these preferences. We may also send an email to any address where we reasonably believe we\ncan contact you. Some of the legal purposes for calls and messages include: suspected fraud or identity theft; obtaining information; transactions on or servicing of your\naccount; collecting on your account; and providing you information about products and services. Notify us immediately of any changes to your contact information using the\nCardmember Services address or phone number shown on your billing statement.\nWe may listen to and record your telephone calls with us and we may use your voice for verification.\n\nCredit Information\n\nWe may obtain and review your credit history from credit reporting agencies and others. We may, from time to time, obtain employment and income data from third parties to\nassist us in the ongoing administration of your account. We may also provide information about you and your account to credit reporting agencies and others. We may provide\ninformation to credit reporting agencies about this account in the name of an authorized user. If you think we provided incorrect information, write to us and we will investigate.\n\nEnforcement\n\nWe may enforce the terms of this agreement at any time. We may delay enforcement without losing our right to enforce this agreement at a later time. If any terms of this\nagreement are found to be unenforceable, we may still enforce the other terms.\n\nGoverning Law\n\nThis agreement and your account will be governed by federal law, as well as the law of Delaware, and will apply no matter where you live or use this account.\n\nAssignment\n\nWe may assign your account, balances you owe, or any of our rights and obligations under this agreement. The third party is then entitled to any of our rights that we assign\nto them.\n\nNJ Residents\n\nAll provisions of this agreement are valid, enforceable and applicable in New Jersey.\n\n\x0cMilitary Lending Act Notice\n\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account). If you are covered by the Military Lending Act, (i) then you are not bound by the Arbitration Agreement below, and (ii) notwithstanding anything to the contrary\nin this Agreement, to the extent required by the Military Lending Act, nothing in this agreement will be deemed a waiver of the right to legal recourse under any otherwise\napplicable provision of state or federal law. To receive this information and a description of your payment obligation verbally, please call 1-800-235-9978.\n\nBinding Arbitration\n\nUnless you timely reject the agreement to arbitrate, disputes with us may be resolved by binding arbitration. With arbitration, you cannot go to court, have a jury trial or\ninitiate or participate in a class action for your dispute(s) with us. In arbitration, disputes are resolved by an arbitrator, not a judge or jury, and procedures are simpler and\nmore limited than rules applicable in court.\nPlease see the Arbitration Agreement section for more details, including instructions for how to reject the agreement to arbitrate.\n\n\x0cINTEREST CHARGES\nDaily Interest Rates and Annual Percentage Rates may be found on the Rates and Fees Table.\nPeriodic Interest Charge Calculation\xe2\x80\x94Daily balance method (Including new transactions):\nWe calculate a daily balance for each type of transaction and use the daily balances to determine your interest charges.\nWe figure the \xe2\x80\x9cdaily balance\xe2\x80\x9d for each transaction type as follows:\n\xe2\x80\xa2 We take the beginning balance for each day and add\n- any interest charge from the prior day (known as compounding of interest) and\n- any new transactions or other debits (including Annual Membership Fees, transaction fees, Penalty Fees, any other fees and unpaid interest charges).\n\xe2\x80\xa2 We subtract payments or credits, and treat any net credit balance as a zero balance.\n\xe2\x80\xa2 The result is the daily balance for each type of transaction.\nWe figure the interest charges on your account as follows:\n\xe2\x80\xa2 To get the daily interest rate for each type of transaction we divide the APR by 365. We may combine different transaction types that have the same daily interest rates.\n\xe2\x80\xa2 We multiply the daily interest rate by the daily balance for each transaction type for each day in the billing cycle.\n\xe2\x80\xa2 We add together the interest charges for each day in the billing cycle for each transaction type.\n\xe2\x80\xa2 If any interest charge is due, we will charge you at least the minimum interest charge shown on the Rates and Fees Table.\nWe add transactions and fees to your daily balance no earlier than:\n\xe2\x80\xa2 For new purchases, balance transfers, cash advances, or My Chase Loans \xe2\x80\x93 the date of the transaction.\n\xe2\x80\xa2 For new cash advance checks or balance transfer checks \xe2\x80\x93 the date the payee deposits the check.\n\xe2\x80\xa2 Fees \xe2\x80\x93 either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle, whichever we may choose.\nThe Balances Subject to Interest Rate for each type of transaction shown on your billing statement is the sum of the daily balances for that type of transaction divided by the number of days in the billing cycle.\nWe may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, interest charges and related amounts.\n12\n\n\x0c13\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, contact us in writing at the Customer Service address shown on your billing statement. In your communication, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Written Communication\nWhen we receive your communication, we must do two things:\n1. Within 30 days of receiving your communication, we must tell you that we received it. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your communication, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit access line.\n\n\x0cAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2\t\x07\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must contact us in writing within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true:\n1.\t\x07The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Customer Service address shown on your billing statement. While we investigate, the same rules\napply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nCopyright \xc2\xa92020 JPMorgan Chase & Co. All rights reserved.\n\n14\n\n\x0cARBITRATION AGREEMENT\nPLEASE REVIEW -- IMPORTANT -- AFFECTS YOUR LEGAL RIGHTS\nThis arbitration agreement provides that all disputes between you and Chase must be resolved by\nBINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By\naccepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURT (except for matters\nthat may be taken to a small claims court). Arbitration will proceed on an INDIVIDUAL BASIS, so class\nactions and similar proceedings will NOT be available to you.\nYOU HAVE THE RIGHT TO REJECT THIS AGREEMENT TO ARBITRATION, BUT IF YOU WISH TO REJECT\nIT, YOU MUST DO SO PROMPTLY. If you do not reject this agreement to arbitration within 60 days of\naccount opening and in the manner set forth below, then:\n\xe2\x80\xa2 In arbitration, your rights will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY.\n\xe2\x80\xa2 The procedures in arbitration are simpler and more limited than rules applicable in court.\n\xe2\x80\xa2 Arbitrator decisions are subject to VERY LIMITED REVIEW BY A COURT.\nIf you do not reject this agreement as provided below within 60 days of account opening, you or we may\nelect to resolve any Claim by arbitration.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes any co-applicant or authorized user on\nyour account, or anyone else connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes\nJPMorgan Chase Bank, N.A. and Chase Bank USA, N.A., all of their parents, subsidiaries, affiliates,\nsuccessors, predecessors, employees, and related persons or entities and all third parties who are\nregarded as agents or representatives of us in connection with the account, or the subject matter of the\nclaim or dispute at issue.\nAll claims or disputes between you and us about or relating in any way to your account, any prior\naccount, your Cardmember Agreement with us (including any future amendments), any prior\nCardmember Agreement, or our relationship are referred to as \xe2\x80\x9cClaims\xe2\x80\x9d for purposes of this agreement\nto arbitrate. Claims include, for example, claims or disputes arising from or relating in any way to\ntransactions involving your account; any interest, charges, or fees assessed on your account; any\n\n15\n\nservice(s) or programs related to your account; any communications related to your account; and any\ncollection or credit reporting of your account. Claims also include claims or disputes arising from or\nrelating in any way to advertising and solicitations, or the application for, approval, or establishment of\nyour account. Claims are subject to arbitration regardless of whether they are based on contract, tort,\nstatute, regulation, common law or equity, or whether they seek legal or equitable remedies. All Claims\nare subject to arbitration whether they arose in the past, may currently exist, or may arise in the future.\nArbitration will apply even if your account is closed, sold, or assigned; you pay us in full any outstanding\ndebt you owe; or you file for bankruptcy. In the event that your account is sold and/or assigned, we retain\nour right to elect arbitration of Claims by you and you retain your right to elect arbitration of Claims by us.\n\xe2\x80\xa2 \x07If you are covered by the Military Lending Act, then you are not bound by this arbitration agreement,\nand to the extent required by the Military Lending Act, nothing in this agreement will be deemed a\nwaiver of the right to legal recourse under any otherwise applicable provision of state or federal law.\nThe only other exception to the arbitration requirement is that you have the right to file and pursue a\nClaim in a small claims court instead of arbitration if the Claim is in that court\xe2\x80\x99s jurisdiction and proceeds\non an individual basis.\nIf you initiate a Claim in arbitration, no changes to the terms of this agreement to arbitrate that are made\nafter we receive your Claim will apply to that Claim.\nThis agreement to arbitrate is governed by the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq.\nCan I (the customer) reject this agreement to arbitrate?\nYes. You have the right to reject this agreement to arbitrate if you notify us within 60 days of account\nopening. You must do so in writing by stating that you reject this agreement to arbitrate and include\nyour name, account number, address and personal signature. Your notice must be mailed to us at\nP.O. Box 15298, Wilmington, DE 19850-5298. Rejection notices sent to any other address, or sent by\nelectronic mail or communicated orally, will not be accepted or effective.\n\n\x0cWhat about class actions or representative actions?\nIndividuals sometimes seek to bring lawsuits on behalf of other, similarly situated individuals. This is\noften called a class action. Class actions, other similar representative procedures, and consolidation of\nClaims (except for claimants on the same account) are not available under this agreement to arbitrate.\nClaims in arbitration will proceed only on an individual basis. Additionally, you may not join your claims\nwith other persons on other accounts in the arbitration; each person must arbitrate his or her own\nclaims separately.\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE ARE WAIVING THE RIGHT\nTO ASSERT OR PARTICIPATE IN A CLASS ACTION, OR ANY REPRESENTATIVE OR CONSOLIDATED\nPROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or on any other similar\nrepresentative basis, nor shall the arbitrator have any authority to consolidate Claims brought by separate\nclaimants (except for claimants on the same account). To be clear, this means that the arbitrator also\nshall have no authority to make any award for the benefit of, or against, any person other than the\nindividual who is the named party. If these terms prohibiting class, representative, or consolidation\nprocedures are held to be legally unenforceable for any reason with respect to a Claim, then the Claim\nmust be handled through litigation in court instead of by arbitration.\nHow does arbitration work?\nArbitration is different from a lawsuit in state or federal court. Arbitration is conducted by private\norganizations that specialize in alternative dispute resolution, and is conducted before a neutral arbitrator\ninstead of a judge or jury. Arbitration procedures are generally simpler and more informal than court\nprocedures. For example, discovery is more limited in arbitration than in court. Also, arbitrator decisions\nare subject to only limited review by courts. As discussed above, certain rights that you may have in court\nare not available in arbitration. At the same time, in arbitration you are entitled to recover attorneys\xe2\x80\x99 fees\nfrom us to the same extent as you would be in court.\nUnder this agreement to arbitrate, the party filing a Claim must select either Judicial Arbitration\nand Mediation Services (\xe2\x80\x9cJAMS\xe2\x80\x9d) or the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) as the arbitration\nadministrator. You can learn more about these organizations online, at the addresses provided below.\n\nEach of these organizations will apply its code of procedures in effect at the time the arbitration claim\nis filed. If there is a conflict between that code of procedures and this arbitration provision and/or any\nsections of this agreement, this arbitration provision and/or this agreement will control. In the event that\nJAMS or the AAA is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot\nagree, selected by a court in accordance with the Federal Arbitration Act).\nA single arbitrator designated by the arbitration administrator will decide the Claim under applicable\nlaw. The arbitrator is bound by the terms of this agreement to arbitrate. All issues are for the arbitrator\nto decide, except that issues relating to the scope, enforceability, interpretation, formation, and validity\nof this arbitration agreement are for a court to decide. The arbitrator will honor all claims of privilege\nrecognized by law. Subject to the prohibition on class, representative, and consolidation procedures set\nforth above, the arbitrator will have the power to award to a party any damages or other relief provided\nfor under applicable law. That is, a party will be entitled to recover in arbitration any damages or other\nrelief that it could recover if it prevailed in a court proceeding as an individual. No arbitration award or\ndecision will have any preclusive effect on issues or claims in any subsequent proceedings beyond the\nClaims at issue. The arbitrator\xe2\x80\x99s authority is limited to claims between you and us, and the arbitrator can\naward damages or relief only to you, but not to or on behalf of anyone else.\nAlthough under some laws we may have a right to an award of attorneys\xe2\x80\x99 fees and expenses if we\nprevail, we agree that we will not seek such an award.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on\nthe basis of documents, through a telephonic hearing, or in an in-person hearing. Any in-person hearing\nwill take place in the federal judicial district that includes your address at the time the Claim is filed,\nunless the parties agree to a different place.\nIs the arbitrator\xe2\x80\x99s decision final? Is there an appeal process?\nThe arbitrator\xe2\x80\x99s decision will be final and binding on the parties. An arbitrator\xe2\x80\x99s award shall consist of a\nwritten statement setting forth the disposition of each Claim. At the request of any party, the arbitrator\nshall also set forth a written explanation of the essential findings and conclusions on which the award\nis based.\n16\n\n\x0c17\n\nA party can file a written appeal to the arbitration administrator within 30 days after an award is issued.\nThe appeal will proceed before a panel of three neutral arbitrators designated by the same arbitration\nadministrator. That panel will consider all legal and factual issues anew, and make all decisions and\nawards by majority vote based on the documents and arbitration record without a hearing. Any review\nby a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on\nthe named parties and enforceable by any court having jurisdiction.\nWho will pay for costs?\nWe will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of\nprocedure. Even if not otherwise required, we will reimburse you up to $500 for any initial arbitration\nfiling fees you have paid. We will also pay any fees of the arbitrator and arbitration administrator for the\nfirst two days of any hearing. If you win the arbitration, we will reimburse you for any fees you paid to\nthe arbitration organization and/or arbitrator. All other fees will be allocated according to the arbitration\nadministrator\xe2\x80\x99s rules and applicable law. If you consider that you are unable to afford any fees that would\nbe yours to pay to the arbitration administrator, you may request that we pay or reimburse them, and we\nwill consider your request in good faith.\nYou may represent yourself in arbitration, or you may be represented by a lawyer. Except as described\nabove, you will be responsible for your own attorneys\xe2\x80\x99 fees and costs.\n\nHow do I (the customer) file an arbitration claim?\nRules and forms may be obtained from, and Claims may be filed with, JAMS at (800) 352-5267\nor jamsadr.com; or the AAA at (877) 495-4185 or www.adr.org. Both of these administrators have\nparticular rules for arbitrations initiated by a consumer.\nCopyright \xc2\xa92020 JPMorgan Chase & Co. All rights reserved.\n\n\x0c\x0cCFB00835\n\n\x0c'