b'CARDMEMBER AGREEMENT RATES AND FEES TABLE\nINTEREST RATES AND INTEREST CHARGES\nPurchase Annual\nPercentage Rate (APR)\nMy Chase\n\nLoanSM\n\nAPR\n\n9.99% to 23.74%. This APR will vary with the market based on the Prime Rate.a\nIntroductory APRs with varying durations may be available on some accounts.\n9.99% to 23.74%. 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\n9.99% to 23.74%. This APR will vary with the market based on the Prime Rate.a\nIntroductory APRs with varying durations may be available on some accounts.\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\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\n3% of the amount of each transaction in U.S. dollars.\nPenalty Fees\nLate Payment\nUp to $40.\nOver-the-Credit-Limit\nNone\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 6.74% to 20.49% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR (daily periodic rate currently 0.02737% to 0.06505%). 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\nCOL00095\n\n\x0ctransaction; 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.\n\nCOL00095\n\n\x0c\x0cWELCOME TO\nYOUR ACCOUNT\nTake a moment to read and save this important information about your account.\nThis document, along with the Rates and Fees Table, is an agreement between you\n(the cardmember) and JPMorgan Chase Bank, N.A., a subsidiary of JPMorgan Chase & Co.\nIf you have any questions, please call us using the number on the back of your card.\nWe\xe2\x80\x99ve agreed to lend you money as described in this agreement, and you agree to pay us\nback, along with interest charges and fees. If you use this account or make any payment\nto it, you\xe2\x80\x99re indicating that you accept the terms of this agreement. Keep in mind: If any fee\nin the Rates and Fees Table is marked \xe2\x80\x9cnone,\xe2\x80\x9d the section of this agreement that relates to\nthat fee won\xe2\x80\x99t apply.\n\n\x0cGetting Started\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 Limit\n\nYou are responsible for the total balance at all times, even if your balance exceeds your\ncredit limit.\n\nWe will post your current credit limit on your monthly billing statement, and may cancel,\nchange or restrict it or your credit availability at any time. We are not obligated to allow your\naccount to go over its credit limit.\n\nAuthorized Users\n\nYou are responsible for any use of your account by an authorized user or anyone else that you permit to\nuse your account. You must notify us if you want them to stop using your account. You also are responsible\nfor getting any cards, checks or other means of accessing your account from the authorized user.\n\nIf you request, we may issue cards that access your account to your authorized users. If you\nwish to terminate an authorized user, we may close your account and open a new account with\na 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 billing statement\nonce a year, whether or not you use your account. Your annual fee will be added to your\npurchase balance and may incur interest.\n\nAmendments\n\nWe may change the terms of this agreement including APRs and fees from time to time. We may\nalso add new terms or delete terms. APRs or other terms may also change without amendment,\nfor example when the Prime Rate changes or the Penalty APR becomes applicable. See the\nVariable Rate and Penalty APR sections for details.\n\nOur ability to make changes to this agreement is limited by applicable law. We may communicate\namendments to this agreement to you via mail, email or other electronic means, or included in\nyour monthly billing statements as permitted 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\nDue Date\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 received as of that\ndate. 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 federal holidays)\nbefore 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 of the first day of your billing cycle\nduring 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 Prime Rate is simply a reference index and is not the\nlowest 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: 1) You do not pay at least the minimum payment when due; 2) You exceed your credit limit; 3) You fail to comply with this or other agreements with us or one of our\nrelated banks; or 4) We believe you may be unwilling or 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 law, if you are\nin 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 under 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. If your Interest\nSaving 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 late fee.\n\nFlexible Financing\nOptions\n\nWhen you take advantage of Flexible Financing Offers, like those available with My Chase Loan SM and My Chase Plan SM, you can pay those balances over time based on their offer terms and still avoid\nadditional interest charges on new purchases.\n\n\x0cUsing Your Card\n\nYou can use your account in the following ways. Your account is to be used only for personal, family or household\npurposes. You cannot use your account for illegal purposes, such as writing checks against uncollected funds. You\nagree that we may rely on information provided to us by merchants and the applicable payment network to categorize\ntransactions 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\nthis agreement.\n\nBalance Transfers\n\nIf eligible for a balance transfer, you can transfer balances to your account by using balance transfer checks, visiting our\nwebsite or calling us.\n\nWe permit balance transfers from most non-Chase accounts. We do\nnot permit balance transfers from other accounts or loans with us or\nany of our related banks.\n\nCash Advances\n\nYou may obtain cash from automatic teller machines, at banks or by using cash advance checks. Unless we say otherwise,\nbalance transfer checks or promotional checks made payable to cash or yourself will be treated as cash advances.\n\nWe treat certain other transactions as cash advances. See the Cash-like\nTransactions section under Important Definitions above.\n\nChecks\n\nFor your protection, balance transfer and cash advance checks must be signed by the person whose name is printed on\nthe checks.\n\nWe may provide balance transfer checks and cash advance checks for\nyour use; we have the right not to pay a check for any reason.\n\nAutomatic Charges\n\nYou may set up scheduled and repeat transactions to your account. If your account is closed or suspended, or your account\nnumber changes, you will need to contact any persons that you are paying by automatic transactions.\n\nWe are not responsible for scheduled and repeat transactions if your\naccount is closed, suspended or the account number changes.\n\nPromotions\n\nYou may receive special offers related to your account.\n\nAny special offer is subject to this agreement, unless explained otherwise.\n\nForeign Transaction\nFee and\nExchange Rate\n\nThere is a fee, unless \xe2\x80\x9cNone\xe2\x80\x9d is stated in the Rates and Fees Table, for transactions that are made in a currency other than\nU.S. Dollars. Our fee is a percentage of the U.S. Dollar amount of the transaction. Please see the Rates and Fees Table for\nthe amount of this fee, if any.\n\n\xe2\x80\xa2 \x07If a transaction is in a foreign currency, Visa International or Mastercard\nInternational will convert the transaction into U.S. dollars using their own\ncurrency conversion procedures, and then will send us the transaction\n\n\x0camount. The exchange rate will be determined using either the range of\nrates available in the wholesale currency markets for the processing date\n(which may be different from the rate the card association receives) or a\ngovernment-mandated rate in effect on that date. The exchange rate used by\nVisa 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\nin a foreign currency, the exchange rate is determined on the date of\nthe return.\nAuthorization of\nTransactions /\nClosing Your Account\n\nWe are not obligated to honor every transaction, and we may close or suspend your account. Sometimes we close accounts\nbased not on your actions or inactions, but on our business needs.\n\nWe may decline transactions for any reason, including: operational\nmatters, the account is in default, or suspected fraudulent or unlawful\nactivity. We are not responsible for any losses associated with a\ndeclined transaction.\n\nMy Chase Loan SM\n\nIf eligible, you may use the My Chase Loan feature to obtain cash as an electronic deposit into an eligible bank account held by\na financial institution located in the United States by accepting a My Chase Loan offer. Each offer will include a My Chase Loan\nAPR and the number of billing periods it will take to pay the My Chase Loan balance in full by making regular payments each\nmonthly billing period.\nYour ability to create a My Chase Loan balance is based on a variety of factors, such as your creditworthiness, your credit limit, and\nyour past account behavior. You will not be able to create a My Chase Loan balance if you enroll in a debt management program\nor if your account is closed or in default.\nMy Chase Loan transactions are not Cash Advances or Balance Transfers. My Chase Loan provides Flexible Financing Offers.\nTherefore, when you have a My Chase Loan balance on your account, we will not charge you interest on new purchases if you pay\nyour entire Interest Saving Balance by the due date each month.\n\nAt our discretion, we may make My Chase Loan available to you; we may\ndecline a My Chase Loan transaction for any reason.\n\n\x0cMy Chase Plan SM\n\nIf eligible, you may use the My Chase Plan feature through Chase.com or the Chase Mobile App to create, from recent\neligible purchase transactions or eligible amounts, a My Chase Plan balance with set repayment terms, subject to the\nMy Chase Plan Fee. From the available offers, you select how many billing periods it will take to pay the My Chase Plan\nbalance in full by making regular payments each monthly billing period. For each billing period during which there is a\nbalance in the My Chase Plan, you will be charged the My Chase Plan Fee, rather than interest under the Purchase APR.\nAn eligible purchase transaction for My Chase Plan is a purchase of at least a specified dollar amount but may not include\ncertain purchase transactions, such as cash-like transactions and any fee owed to us, including Annual Membership\nFees. An eligible amount for My Chase Plan is a portion of your account balance, as specified from time to time within\nthe My Chase Plan experience. Cash advance, balance transfer and My Chase Loan transactions are not eligible for\nMy Chase Plan.\nYour ability to create a My Chase Plan balance is based on a variety of factors, such as your creditworthiness, your credit\nlimit, and your account behavior. You will not be able to create a My Chase Plan balance if you enroll in a debt management\nprogram or if your account is closed or in default.\nWhen you have a My Chase Plan balance on your account, we will not charge you interest on new purchases if you pay your\nentire Interest Saving Balance by the due date each month.\n\nPaying Us Back\n\nAt our discretion, we may make My Chase Plan available to you; we may\ndecline a My Chase Plan transaction for any reason.\n\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 Information\n\nWhat it means to you\n\nOur responsibility\n\nPayment Instructions\n\nYou must follow the payment instructions on your billing statement. You can pay us by: check, money order, or\nelectronic payment drawn on a U.S. bank or a foreign bank branch in the U.S. All payments must be in U.S. Dollars.\nYou authorize us to collect any payment check either electronically or by draft. Payments marked \xe2\x80\x9cpaid in full\xe2\x80\x9d\nmust be sent to the Conditional Payments address shown on your billing statement. See your billing statement for\ncomplete payment instructions.\n\nAs long as you make your payment in accordance with the instructions\non your billing statement by the date and time payments are due, we\nwill credit your payment as of the same day it is received. We may\naccept and process any payments marked as \xe2\x80\x9cpaid in full\xe2\x80\x9d without\nlosing our rights.\n\n\x0cMinimum Payment\n\nYou agree to pay at least the minimum payment when due. You also agree to pay overlimit amounts when billed\nto your monthly statements or sooner if we ask. Minimum payments may include specific fixed payments that are\npart of special promotions. You can pay down balances faster by paying more than the minimum payment or the\ntotal unpaid balance on your account.\n\nWe will calculate your minimum payment based on the method\ndescribed below the Rates and Fees Table. The minimum payment will appear on your monthly statement and includes any past\ndue amounts.\n\nInterest-Free Period\n(Also Called Grace Period)\non Purchases\n\n\xe2\x80\xa2 When 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 Saving Balance shown\non 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 billing statement by the\ndue date and time, you will lose your interest-free period and we will charge interest on your purchases.\n\xe2\x80\xa2 \x07You can regain the benefit of the interest-free period by paying your New Balance or Interest Saving Balance by\nthe due date and time.\n\xe2\x80\xa2 \x07After you enter an interest-free period again, interest charges on purchases may still appear on your next billing\nstatement. This reflects interest charged from the beginning of that billing cycle through the date that your\npayment for the prior billing statement was received.\n\xe2\x80\xa2 \x07Balance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not\npaid in full by paying your New Balance or Interest Saving Balance by the due date and time, you will lose your\ninterest-free period on new purchases.\n\n\xe2\x80\xa2 \x07When your account is in an interest-free period, we will not charge\nyou interest on new purchases.\n\xe2\x80\xa2 \x07When your account is not in an interest-free period, we will charge\nyou interest on your purchases from the date the purchases appear\non your account until your New Balance or Interest Saving Balance\nis paid in full.\n\xe2\x80\xa2 \x07For more details about how we calculate your interest charges, see\nthe Interest Charges section of this agreement.\n\nPayment Allocation\n\n\xe2\x80\xa2 \x07When you make a payment, generally, we first apply your minimum payment to the monthly obligation for any\nFlexible Financing Offer balances with special payment obligations which require repayment of the balance over\na pre-selected number of billing periods, and then to the balance on your monthly statement with the lowest APR.\n\xe2\x80\xa2 \x07A ny payment above your minimum payment would generally then be applied to the balance on your monthly\nstatement 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 statement, in full each month,\nyou may not be able to avoid interest charges on new purchases.\n\nWe apply payments to balances as they appear on your monthly\nstatement before being applied to new transactions. An example of a\nnew transaction is a recent purchase you made that has not yet been\nincluded in the New Balance as shown on your statement.\n\n\x0cCredit Balances\n\nYou may request a refund of any credit balance.\n\nHow to Avoid...\n\nIf you do not request a refund, we will apply any credit balance\nto new charges on your Account. If a credit balance remains on\nyour account for 6 months and the amount is $1 or more, we will\nautomatically refund it to you. If your credit balance is less than $1,\nit will be removed from your account but we will send the credit\nbalance to you if you ask us to do so.\n\nCertain transactions and situations may cause your account to receive a fee or have another impact on your account. The\ninformation below explains how you can avoid these outcomes. Amounts of these fees are listed in the Rates and Fees Table.\nThe Rates and Fees Table indicates amounts \xe2\x80\x9cup to\xe2\x80\x9d certain limits for penalty fees because applicable law may restrict our\nability to impose the full amount of the penalty fee in some circumstances. See the \xe2\x80\x9cPenalty Fees\xe2\x80\x9d provision below the Rates\nand Fees Table for additional detail reflecting limitations imposed under applicable law. Special services you request may\nincur additional 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\n\nWhat To Do\n\nWhat it means\n\nLate Fee\n\nEnsure Chase receives at least the\nminimum payment shown on your\nbilling statement when due.\n\nIf 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 balance at the end of the day\nthe fee is charged.\n\nOver-the-Credit-Limit\nFee\n\nEnsure your total balance stays below\nyour credit limit.\n\nIf you agree to allow us to charge overlimit fees, we may charge such a fee when your account balance goes over limit. We may charge this fee even\nthough your balance is over limit because of a transaction we allowed. You may withdraw your consent to our charging overlimit fees at any time.\n\nReturn Check Fee\n\nDo not stop payment on cash advance\nand balance transfer checks, and do\nnot default.\n\nWe may charge a return check fee if we stop payment on a cash advance check or balance transfer check at your request, or we refuse to pay a\ncash advance check or balance transfer check for any reason, including because your account is in default..\n\n\x0cReturn Payment Fee\n\nDo not submit a payment that could be\nreturned unpaid.\n\nWe may charge this fee if the payment you offer to us is not honored, is returned unpaid, or cannot be processed.\n\nPenalty APR\n\nDo Not :\n\xe2\x80\xa2 \x07Fail to make a Minimum Payment by\nthe date and time that it is due; or\n\xe2\x80\xa2 \x07Make a payment to us that is\nreturned unpaid.\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 \x07Penalty APR on New Transactions: If you fail to make a Minimum Payment by the date and time that it is due, but you make the payment within\n60 days of that due date, we may apply the Penalty APR. We also may apply the Penalty APR if you make a payment to us that is returned unpaid. In\neither instance, the Penalty APR will apply to new transactions. After we apply the Penalty APR, we will review your account from time to time to see\nif a reduction in the APR is appropriate.\n\xe2\x80\xa2 \x07Penalty APR on outstanding balances and new transactions: If we do not receive the Minimum Payment within 60 days of the date and\ntime that it is due, then we also may apply the Penalty APR. If we apply it in this instance, the Penalty APR will apply to all existing balances on your\naccount and new transactions. If you make six consecutive minimum payments when due beginning with your first payment due after we apply the\nPenalty APR, then the Penalty APR will no longer apply. If you do not make six consecutive minimum payments when due beginning with your first\npayment due after we apply the Penalty APR, then the Penalty APR could remain in effect indefinitely. After we apply the Penalty APR, we will review\nyour account 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\nWhat happens if...?\n\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\nWhat it means\n\nI think I found a mistake on\nmy statement?\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\nI\xe2\x80\x99m dissatisfied with a\ncredit card 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\ncontact you with our findings. Please see the Your Billing Rights section below for more details.\n\n\x0cMy card is lost or stolen?\n\nContact us immediately and stop using\nyour account\n\nIf your card is lost or stolen, or you think someone used your account without permission, tell us immediately by calling the\nCardmember Services number on your card or billing statement. We need your help to find out what happened and correct\nthe problem.\n\nMy account is closed\nor suspended?\n\nYou remain responsible for your balance\n\nEven if your account is closed or suspended, you must still repay all amounts you owe under the account.\n\nI want to transfer a balance\nor make a cash advance?\n\nBalance transfer or cash advance transaction\nfees apply\n\nYou will incur a transaction fee for these transactions. See the Rates and Fees Table for the amount of this fee.\n\nAbout Our\nRelationship\n\nMaintaining a positive relationship with you is very important to us. Please review these terms\nto understand more about your account.\n\nImportant Information\n\nWhat it means\n\nCommunications\n\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, we can provide\nbilling 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 about all your Chase or\nJ.P. Morgan accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service\ncalls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message and data rates may apply. You may contact\nus anytime to change these preferences. We may also send an email to any address where we reasonably believe we can contact you. Some of the legal purposes for calls and messages\ninclude: suspected fraud or identity theft; obtaining information; transactions on or servicing of your account; collecting on your account; and providing you information about products\nand services. Notify us immediately of any changes to your contact information using the Cardmember Services address or phone number shown on your billing statement.\n\nTelephone Monitoring\n\nWe may listen to and record your telephone calls with us and we may use your voice for verification.\n\n\x0cCredit 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 assist us in\nthe ongoing administration of your account. We may also provide information about you and your account to credit reporting agencies and others. We may provide information to credit\nreporting 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 agreement are\nfound 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 to them.\n\nNJ Residents\n\nAll provisions of this agreement are valid, enforceable and applicable in New Jersey.\n\nMilitary 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 credit\nto 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 transaction or\naccount: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). If you are covered by\nthe Military Lending Act, (i) then you are not bound by the Arbitration Agreement below, and (ii) notwithstanding anything to the contrary in this Agreement, to the extent required by\nthe Military Lending Act, nothing in this agreement will be deemed a waiver of the right to legal recourse under any otherwise applicable provision of state or federal law. To receive\nthis information and a description of your payment obligation verbally or for questions, 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 initiate or\nparticipate 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 more limited than\nrules 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\nfound on the Rates and Fees Table.\nPeriodic Interest Charge Calculation\xe2\x80\x94\nDaily balance method (Including new transactions):\nWe calculate a daily balance for each type of transaction and use the daily\nbalances 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-\t\x07any interest charge from the prior day (known as compounding of interest)\nand\n-\t\x07any new transactions or other debits (including Annual Membership Fees,\ntransaction fees, Penalty Fees, any other fees and unpaid interest charges).\n\xe2\x80\xa2\t\x07We subtract payments or credits, and treat any net credit balance as a\nzero 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\t\x07To get the daily interest rate for each type of transaction we divide the APR\nby 365. We may combine different transaction types that have the same daily\ninterest rates.\n\n\xe2\x80\xa2\t\x07We multiply the daily interest rate by the daily balance for each transaction\ntype for each day in the billing cycle.\n\xe2\x80\xa2\t\x07We add together the interest charges for each day in the billing cycle for each\ntransaction type.\n\xe2\x80\xa2\t\x07If any interest charge is due, we will charge you at least the minimum interest\ncharge shown on the Rates and Fees Table.\nWe add transactions and fees to your daily balance no earlier than:\n\xe2\x80\xa2\t\x07For new purchases, balance transfers, cash advances, or My Chase Loans \xe2\x80\x93 the\ndate of the transaction.\n\xe2\x80\xa2\t\x07For new cash advance checks or balance transfer checks \xe2\x80\x93 the date the payee\ndeposits the check.\n\xe2\x80\xa2\t\x07Fees \xe2\x80\x93 either on the date of a related transaction, the date they are posted to\nyour 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\non your billing statement is the sum of the daily balances for that type of\ntransaction divided by the number of days in the billing cycle. We may use\nmathematical formulas that produce equivalent results to calculate the\nBalance Subject to Interest Rate, interest charges and related amounts.\n\nYour Billing Rights\nKeep this document for future use. This notice tells you\nabout your rights and our responsibilities under the\nFair Credit Billing Act.\n\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\nthe Customer Service address shown on your billing statement. In your\ncommunication, 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 D\x07 escription of problem: If you think there is an error on your bill, describe what\nyou 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 \x07A t least 3 business days before an automated payment is scheduled, if you\nwant 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\nus electronically, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\n\n\x0cWhat Will Happen After We Receive\nYour Written Communication\nWhen we receive your communication, we must do two things:\n1. W\n\x07 ithin 30 days of receiving your communication, we must tell you that we\nreceived it. We will also tell you if we have already corrected the error.\n2. \x07W ithin 90 days of receiving your communication, we must either correct the\nerror 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\xa2W\n\x07 e cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 T\x07 he charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2W\n\x07 hile you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xe2\x80\xa2 \x07We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 I\x07 f we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 I\x07 f we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must\ncontact us in writing within 10 days telling us that you still refuse to pay. If you\ndo so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter\nhas been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of\nthe amount you question even if your bill is correct.\n\nYour Rights If You Are Dissatisfied With Your\nCredit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1. T\x07 he purchase must have been made in your home state or within 100 miles of\nyour current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you\nthe goods or services.)\n2. \x07You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n\n3. Y\x07 ou 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,\ncontact us in writing at the Customer Service address shown on your billing\nstatement. While we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report\nyou as delinquent.\nCopyright \xc2\xa9 2020 JPMorgan Chase & Co. All rights reserved.\n\n\x0cArbitration Agreement\nPlease Review \xe2\x80\x94 Important \xe2\x80\x94 Affects your Legal Rights\nThis arbitration agreement provides that all disputes between you and Chase\nmust be resolved by BINDING ARBITRATION whenever you or we choose to\nsubmit or refer a dispute to arbitration. By accepting this arbitration agreement\nyou GIVE UP YOUR RIGHT TO GO TO COURT (except for matters that may be taken\nto 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\nYOU WISH TO REJECT IT, YOU MUST DO SO PROMPTLY. If you do not reject this\nagreement to arbitration within 60 days of account opening and in the manner set\nforth below, then:\n\xe2\x80\xa2 \x07In arbitration, your rights will be determined by a NEUTRAL ARBITRATOR and\nNOT A JUDGE OR JURY.\n\xe2\x80\xa2 \x07The procedures in arbitration are simpler and more limited than rules\napplicable 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\nopening, you or we may elect to resolve any Claim by arbitration.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes any co-applicant\nor authorized user on your account, or anyone else connected with you or\n\nclaiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes JPMorgan Chase Bank, N.A. and\nChase Bank USA, N.A., all of their parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities and all third parties\nwho are regarded as agents or representatives of us in connection with the\naccount, or the subject matter of the claim or dispute at issue.\nAll claims or disputes between you and us about or relating in any way to your\naccount, any prior account, your Cardmember Agreement with us (including any\nfuture amendments), any prior Cardmember Agreement, or our relationship are\nreferred to as \xe2\x80\x9cClaims\xe2\x80\x9d for purposes of this agreement to arbitrate. Claims include,\nfor example, claims or disputes arising from or relating in any way to transactions\ninvolving your account; any interest, charges, or fees assessed on your account;\nany service(s) or programs related to your account; any communications related\nto your account; and any collection or credit reporting of your account. Claims also\ninclude claims or disputes arising from or relating in any way to advertising and\nsolicitations, or the application for, approval, or establishment of your account.\nClaims are subject to arbitration regardless of whether they are based on contract,\ntort, statute, regulation, common law or equity, or whether they seek legal or\nequitable remedies. All Claims are subject to arbitration whether they arose in the\npast, may currently exist, or may arise in the future. Arbitration will apply even if\nyour account is closed, sold, or assigned; you pay us in full any outstanding debt\nyou owe; or you file for bankruptcy. In the event that your account is sold and/or\nassigned, we retain our right to elect arbitration of Claims by you and you retain\nyour right to elect arbitration of Claims by us.\n\n\xe2\x80\xa2 \x07If you are covered by the Military Lending Act, then you are not bound by this\narbitration agreement, and to the extent required by the Military Lending Act,\nnothing in this agreement will be deemed a waiver of the right to legal recourse\nunder any otherwise applicable provision of state or federal law.\nThe only other exception to the arbitration requirement is that you have the right\nto file and pursue a Claim in a small claims court instead of arbitration if the Claim\nis in that court\xe2\x80\x99s jurisdiction and proceeds on an individual basis.\nIf you initiate a Claim in arbitration, no changes to the terms of this agreement to\narbitrate that are made after we receive your Claim will apply to that Claim.\nThis agreement to arbitrate is governed by the Federal Arbitration Act,\n9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq.\n\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\n60 days of account opening. You must do so in writing by stating that you reject\nthis agreement to arbitrate and include your name, account number, address\nand personal signature. Your notice must be mailed to us at P.O. Box 15298,\nWilmington, DE 19850-5298. Rejection notices sent to any other address, or sent\nby electronic mail or communicated orally, will not be accepted or effective.\n\n\x0cWhat about class actions or representative actions?\n\nHow does arbitration work?\n\nIndividuals sometimes seek to bring lawsuits on behalf of other, similarly\nsituated individuals. This is often called a class action. Class actions, other similar\nrepresentative procedures, and consolidation of Claims (except for claimants on\nthe same account) are not available under this agreement to arbitrate. Claims in\narbitration will proceed only on an individual basis. Additionally, you may not\njoin your claims with other persons on other accounts in the arbitration; each\nperson must arbitrate his or her own claims separately.\n\nArbitration is different from a lawsuit in state or federal court. Arbitration\nis conducted by private organizations that specialize in alternative dispute\nresolution, and is conducted before a neutral arbitrator instead of a judge or\njury. Arbitration procedures are generally simpler and more informal than\ncourt procedures. For example, discovery is more limited in arbitration than in\ncourt. Also, arbitrator decisions are subject to only limited review by courts. As\ndiscussed above, certain rights that you may have in court are not available in\narbitration. At the same time, in arbitration you are entitled to recover attorneys\xe2\x80\x99\nfees from us to the same extent as you would be in court.\n\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE ARE\nWAIVING THE RIGHT TO ASSERT OR PARTICIPATE IN A CLASS ACTION,\nOR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT\nOR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action\nor on any other similar representative basis, nor shall the arbitrator have any\nauthority to consolidate Claims brought by separate claimants (except for\nclaimants on the same account). To be clear, this means that the arbitrator\nalso shall have no authority to make any award for the benefit of, or against,\nany person other than the individual who is the named party. If these terms\nprohibiting class, representative, or consolidation procedures are held to be\nlegally unenforceable for any reason with respect to a Claim, then the Claim must\nbe handled through litigation in court instead of by arbitration.\n\nUnder this agreement to arbitrate, the party filing a Claim must select either\nJudicial Arbitration and Mediation Services (\xe2\x80\x9cJAMS\xe2\x80\x9d) or the American Arbitration\nAssociation (\xe2\x80\x9cAAA\xe2\x80\x9d) as the arbitration administrator. You can learn more\nabout these organizations online, at the addresses provided below. Each of\nthese organizations will apply its code of procedures in effect at the time the\narbitration claim is filed. If there is a conflict between that code of procedures\nand this arbitration provision and/or any sections of this agreement, this\narbitration provision and/or this agreement will control. In the event that JAMS\nor the AAA is unable or unwilling to handle the Claim for any reason, then the\nmatter shall be arbitrated instead by a neutral arbitrator selected by agreement\nof the parties (or, if the parties cannot agree, selected by a court in accordance\nwith the Federal Arbitration Act).\n\nA single arbitrator designated by the arbitration administrator will decide\nthe Claim under applicable law. The arbitrator is bound by the terms of this\nagreement to arbitrate. All issues are for the arbitrator to decide, except that\nissues relating to the scope, enforceability, interpretation, formation, and validity\nof this arbitration agreement are for a court to decide. The arbitrator will honor\nall claims of privilege recognized by law. Subject to the prohibition on class,\nrepresentative, and consolidation procedures set forth above, the arbitrator\nwill have the power to award to a party any damages or other relief provided for\nunder applicable law. That is, a party will be entitled to recover in arbitration any\ndamages or other relief that it could recover if it prevailed in a court proceeding\nas an individual. No arbitration award or decision will have any preclusive\neffect on issues or claims in any subsequent proceedings beyond the Claims at\nissue. The arbitrator\xe2\x80\x99s authority is limited to claims between you and us, and\nthe arbitrator can award damages or relief only to you, but not to or on behalf\nof anyone else.\nAlthough under some laws we may have a right to an award of attorneys\xe2\x80\x99 fees\nand expenses if we prevail, 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\nbe conducted solely on the basis of documents, through a telephonic hearing,\nor in an in-person hearing. Any in-person hearing will take place in the federal\njudicial district that includes your address at the time the Claim is filed, unless\nthe parties agree to a different place.\n\n\x0cIs the arbitrator\xe2\x80\x99s decision final?\nIs there an appeal process?\nThe arbitrator\xe2\x80\x99s decision will be final and binding on the parties. An arbitrator\xe2\x80\x99s\naward shall consist of a written statement setting forth the disposition of each\nClaim. At the request of any party, the arbitrator shall also set forth a written\nexplanation of the essential findings and conclusions on which the award is based.\nA party can file a written appeal to the arbitration administrator within 30 days\nafter an award is issued. The appeal will proceed before a panel of three neutral\narbitrators designated by the same arbitration administrator. That panel will\nconsider all legal and factual issues anew, and make all decisions and awards by\nmajority vote based on the documents and arbitration record without a hearing.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final\narbitration award will be binding on the named parties and enforceable by any\ncourt having jurisdiction.\n\nWho will pay for costs?\n\nHow do I (the customer) file an arbitration claim?\n\nWe will pay any costs that are required to be paid by us under the arbitration\nadministrator\xe2\x80\x99s rules of procedure. Even if not otherwise required, we will\nreimburse you up to $500 for any initial arbitration filing fees you have paid. We\nwill also pay any fees of the arbitrator and arbitration administrator for the first\ntwo days of any hearing. If you win the arbitration, we will reimburse you for any\nfees you paid to the arbitration organization and/or arbitrator. All other fees will\nbe allocated according to the arbitration administrator\xe2\x80\x99s rules and applicable\nlaw. If you consider that you are unable to afford any fees that would be yours to\npay to the arbitration administrator, you may request that we pay or reimburse\nthem, and we will consider your request in good faith.\n\nRules and forms may be obtained from, and Claims may be filed with, JAMS at\n(800) 352-5267 or jamsadr.com; or the AAA at (877) 495-4185 or www.adr.org.\nBoth of these administrators have particular rules for arbitrations initiated\nby a consumer.\n\nYou may represent yourself in arbitration, or you may be represented by\na lawyer. Except as described above, you will be responsible for your own\nattorneys\xe2\x80\x99 fees and costs.\n\nCopyright \xc2\xa92020 JPMorgan Chase & Co. All rights reserved.\n\n\x0c\x0c\x0cCFB00837\n\n\x0c'