CARDMEMBER AGREEMENT RATES AND FEES TABLE

INTEREST RATES AND INTEREST CHARGES

Purchase Annual
Percentage Rate (APR)
29.24%. This APR will vary with the market based on the Prime Rate.a
My Chase LoanSM APR 29.24%. This APR will vary with the market based on the Prime Rate.a
Promotional offers with fixed APRs and varying durations may be available from time to time on some accounts.
Balance Transfer APR 29.24%. This APR will vary with the market based on the Prime Rate.a
Cash Advance APR 29.99%. This APR will vary with the market based on the Prime Rate.b
Penalty APR and When It Up to 29.99%. This APR will vary with the market based on the Prime Rate.c
Applies We may apply the Penalty APR to your account if you:
• fail to make a Minimum Payment by the date and time that it is due; or
• make a payment to us that is returned unpaid.
How Long Will the Penalty APR Apply?: If we apply the Penalty APR for either of these reasons, the Penalty APR
could potentially remain in effect indefinitely.
Paying Interest Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on
new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We will begin
charging interest on balance transfers and cash advances on the transaction date.
Minimum Interest Charge None
Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer
the Consumer Financial Financial Protection Bureau at [Link]
Protection Bureau

FEES
Annual Membership Fee None
Chase Pay Over TimeSM Monthly fee of up to 1.72% of the amount of each eligible purchase transaction or amount you select to pay over
Fee time with no interest, just a fixed monthly fee.
(formerly My Chase Plan® Promotional offers with lower monthly Chase Pay Over Time fees may be available from time to time on some
Fee; a fixed finance charge) accounts.
The monthly Chase Pay Over Time fee will be determined each time a fee-based plan is created and will remain the
same until the plan balance is paid in full.d
Transaction Fees
Balance Transfers Either $5 or 4% of the amount of each transfer, whichever is greater.
Cash Advances Either $5 or 4% of the amount of each transaction, whichever is greater.
Foreign Transactions None
Penalty Fees
Late Payment Up to $39.
Return Payment Up to $39.
Return Check None

Note: This account may not be eligible for balance transfers.

How We Will Calculate Your Balance: We use the daily balance method (including new transactions). See Interest Charges section in this Agreement for more details.
Billing 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 details.
Penalty Fees: A single violation of each type will not exceed $28. However, if another violation of the same type occurs within six monthly billing periods we will charge up to the
maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due.
Minimum Payment: We will calculate the minimum payment as: (1) any past-due amounts; PLUS (2) any special payment obligations in connection with Flexible Financing Offers
which require repayment of the balance over a pre-selected number of billing periods; PLUS (3) the larger of: (a) $35 (or total amount you owe if less than $35); or (b) the 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 pre-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.
Prime Rate: Variable APRs are based on the 8.50% Prime Rate as of December 20, 2023.
a We add 20.74% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR (daily periodic rate currently 0.08011%). Maximum APR 29.99% (daily periodic
rate 0.08217%).
b We add 21.74% to the Prime Rate to determine the Cash Advance APR (daily periodic rate currently 0.08217%). Maximum APR 29.99% (daily periodic rate 0.08217%).

c We add up to 26.99% to the Prime Rate to determine the Penalty APR. Maximum APR 29.99% (daily periodic rate 0.08217%).
d ChasePay Over Time Fee. The Chase Pay Over Time Fee (formerly called 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 account balance selected to create the plan, the number of billing periods over which you choose to pay the balance in full, and other factors. The monthly
and aggregate dollar amount of your Chase Pay Over Time Fee will be disclosed during the activation of each plan. Chase Pay Over Time plan balances that have a Chase Pay Over
Time Fee will not be subject to interest after plan activation.

MILITARY LENDING ACT NOTICE: Federal 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 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 transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any

1 CMA77014
Cardmember Agreement (cont.)
application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a
credit card account). To receive this information and a description of your payment obligation verbally, please call 1-800-235-9978.

Promotional Financing
Special Financing
0% APR on [Link] purchases for 6 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 12 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 18 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 24 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 30 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 36 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 42 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 48 months. After that, your standard Purchase APR of 29.24% (as set forth in the table above) will apply.
Equal Pay
0% APR on [Link] purchases for 6 months, divided equally over 6 billing cycles and added to your minimum payment due each month. After that, your standard Purchase APR
of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 12 months, divided equally over 12 billing cycles and added to your minimum payment due each month. After that, your standard Purchase
APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 18 months, divided equally over 18 billing cycles and added to your minimum payment due each month. After that, your standard Purchase
APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 24 months, divided equally over 24 billing cycles and added to your minimum payment due each month. After that, your standard Purchase
APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 30 months, divided equally over 30 billing cycles and added to your minimum payment due each month. After that, your standard Purchase
APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 36 months, divided equally over 36 billing cycles and added to your minimum payment due each month. After that, your standard Purchase
APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 42 months, divided equally over 42 billing cycles and added to your minimum payment due each month. After that, your standard Purchase
APR of 29.24% (as set forth in the table above) will apply.
0% APR on [Link] purchases for 48 months, divided equally over 48 billing cycles and added to your minimum payment due each month. After that, your standard Purchase
APR of 29.24% (as set forth in the table above) will apply.
Promotional Financing Terms for Special Financing and Equal Pay
From time to time, we may offer one or more of the promotional financing options above on qualifying purchases at [Link]. Purchases made under these Special Financing
and Equal Pay promotions do not earn % back rewards. Special Financing and Equal Pay promotions may be subject to specific purchase requirements as disclosed in the offer prior
to or during checkout. The promotions are not available on purchases of less than $50.00.
If you do not pay the full amount of your promotional balance, any remaining amount after the promotion ends will accrue interest at your standard Purchase APR as set forth above.
Your minimum payment will include any past-due amounts. With Equal Pay, your minimum payment will include the full amount of the promotional financing payment due each billing
cycle. Depending on the promotion you chose, your minimum payment could be higher than if you did not select promotional financing.

WELCOME TO YOUR ACCOUNT.

Take 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., a subsidiary of JPMorgan Chase & Co. If you have any questions, please call us using the number on the back of your card. We've agreed to lend you
money as described in this agreement, and you agree to pay us back, along with interest charges and fees. If you use this account or make any payment to it, you're indicating that
you accept the terms of this agreement. Keep in mind: If any fee in the Rates and Fees Table is marked "none," the section of this agreement that relates to that fee won't apply.

GETTING STARTED: YOUR ACCOUNT

Get acquainted with your account by reviewing the important terms below.
IMPORTANT TERM WHAT IT MEANS TO YOU OUR RESPONSIBILITY
We will assign a credit access line to your account, and post it on your
You are responsible for balances on your account including amounts monthly billing statement. We may cancel, change or restrict your credit
Credit Access Line charged in excess of your credit access line. We may also refer to credit availability at any time. Each transaction is considered for approval on an
access line as credit line or credit limit. individual basis, including those above the credit access line. We may not
approve all transactions.
You are responsible for any use of your account by an authorized user or
anyone else that you permit to use your account. You must notify us if If you request, we may issue cards that access your account to your
Authorized Users you want them to stop using your account. You also are responsible for authorized users. If you wish to terminate an authorized user, we may close
getting any cards, checks or other means of accessing your account from your account and open a new account with a different account number.
the authorized user.
If your account has an annual fee, you are responsible for it every year If your account has an annual fee, we will add your annual fee to your
your account is open or until your account is closed and paid in full. Your monthly billing statement once a year, whether or not you use your
Annual Membership Fee
monthly billing statement will tell you how to cancel your account and avoid account. Your annual fee will be added to your purchase balance and may
future annual fees. incur interest.

2 CMA77014
Cardmember Agreement (cont.)
We may change the terms of this agreement including APRs and fees
Our ability to make changes to this agreement is limited by applicable
from time to time. We may also add new terms or delete terms. APRs
law. We may communicate amendments to this agreement to you via
Amendments or other terms may also change without amendment, for example when
mail, email or other electronic means, or included in your monthly
the Prime Rate changes or the Penalty APR becomes applicable. See the
billing statements as permitted by law.
Variable Rate and Penalty APR sections for details.

IMPORTANT DEFINITIONS
TERM WHAT IT MEANS
Cash-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:
• purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other
Cash-like Transactions similar transactions;
• purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions;
• person-to-person money transfers and account-funding transactions that transfer currency; and
• making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider.
Payments are due on the payment due date shown on your monthly statement. The monthly statement also explains when the payment must reach us in
Payment Due Date
order to be considered received as of that date. Payments received after the required time will be credited on the next business day.
We 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) before the closing date shown on your billing statement. The APR may increase or decrease each
Variable Rate month if the Prime Rate changes. Any new rate will be applied as of 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 Prime 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.
Your account will be in default if:
1) 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 or unable to pay your debts on time; you file for bankruptcy; or you become incapacitated or die.
Default
If 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 in default because you have failed to pay us, we will require you to pay our collection costs,
attorneys' fees, court costs, and all other expenses of enforcing our rights under this agreement.
When 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.
Interest Saving Balance
If 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 late fee.
When you take advantage of Flexible Financing Offers, like those available with My Chase Loan and Chase Pay Over Time, you can pay those balances
Flexible Financing Offers
over time based on their offer terms and still avoid additional interest charges on new purchases.

USING YOUR CARD

You 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 for illegal purposes, such as writing checks against uncollected funds. You agree that we may rely on information provided
to us by merchants and the applicable payment network to categorize transactions as Purchases, Balance Transfers or Cash Advances.
TRANSACTIONS WHAT IT MEANS TO YOU OUR RESPONSIBILITY
We authorize charges to your account in accordance with the terms of this
Purchases You may use your account to buy goods and services.
agreement.
We permit balance transfers from most non-Chase accounts. We do not
If eligible for a balance transfer, you can transfer balances to your account
Balance Transfers permit balance transfers from other accounts or loans with us or any of our
by using balance transfer checks, visiting our website or calling us.
related banks.
You may obtain cash from automatic teller machines, at banks or by using
cash advance checks. Unless we say otherwise, balance transfer checks We treat certain other transactions as cash advances. See the Cash-like
Cash Advances
or promotional checks made payable to cash or yourself will be treated as Transactions section under Important Definitions above.
cash advances.
For your protection, balance transfer and cash advance checks must be We may provide balance transfer checks and cash advance checks for your
Checks
signed by the person whose name is printed on the checks. use; we have the right not to pay a check for any reason.
You may set up scheduled and repeat transactions to your account. If your
We are not responsible for scheduled and repeat transactions if your
Automatic Charges account is closed or suspended, or your account number changes, you will
account is closed, suspended or the account number changes.
need to contact any persons that you are paying by automatic transactions.
Promotions You may receive special offers related to your account. Any special offer is subject to this agreement, unless explained otherwise.
• If a transaction is in a foreign currency, Visa International or
Mastercard International will convert the transaction into U.S. dollars
using their own currency conversion procedures, and then will send
us the transaction amount. The exchange rate will be determined
There is a fee, unless "None" is stated in the Rates and Fees Table, for using either the range of rates available in the wholesale currency
Foreign Transaction Fee transactions that are made in a currency other than U.S. Dollars. Our fee is markets for the processing date (which may be different from the
and Exchange Rate a percentage of the U.S. Dollar amount of the transaction. Please see the rate the card association receives) or a government-mandated rate
Rates and Fees Table for the amount of this fee, if any. in effect on that date. The exchange rate used by Visa or Mastercard
may differ from the rate on the date of your transaction.
• In the case of returned or exchanged merchandise that was
purchased in a foreign currency, the exchange rate is determined on
the date of the return.
Authorization of We are not obligated to honor every transaction, and we may close or We may decline transactions for any reason, including: operational matters,
Transactions / Closing suspend your account. Sometimes we close accounts based not on your the account is in default, or suspected fraudulent or unlawful activity. We
Your Account actions or inactions, but on our business needs. are not responsible for any losses associated with a declined transaction.

3 CMA77014
Cardmember Agreement (cont.)
If eligible, you may use the My Chase Loan feature to obtain cash as
an electronic deposit into an eligible bank account held by a financial
institution located in the United States by accepting a My Chase Loan offer.
Each offer will include a My Chase Loan APR and the number of billing
periods it will take to pay the My Chase Loan balance in full by making
regular payments each monthly billing period.
Your ability to create a My Chase Loan balance is based on a variety of
factors, such as your creditworthiness, your credit limit, and your past At our discretion, we may make My Chase Loan available to you; we may
My Chase LoanSM account behavior. You will not be able to create a My Chase Loan balance if decline a My Chase Loan transaction for any reason.
you enroll in a debt management program or if your account is closed or in
default.
My Chase Loan transactions are not Cash Advances or Balance Transfers.
My Chase Loan provides Flexible Financing Offers. Therefore, when you
have a My Chase Loan balance on your account, we will not charge you
interest on new purchases if you pay your entire Interest Saving Balance by
the due date each month.
With Chase Pay Over Time you can create a plan to pay for eligible
purchases or account balances in equal monthly payments over a set
period of time.
Chase Pay Over Time works in two ways:
• at checkout with select merchants, or
• by using [Link] or the Chase Mobile App, after checkout (the At our discretion, we may make Chase Pay Over Time available to you.
feature formerly known as My Chase Plan). Eligibility for Chase Pay Over Time depends on the amount of your available
Chase Pay Over Time plan balances are subject to either interest not to credit, creditworthiness, account behavior, and other factors.
exceed the Purchase APR (and may be a promotional or fixed rate), or a You will not be able to use Chase Pay Over Time if you enroll in a debt
Chase Pay Over TimeSM fixed monthly Chase Pay Over Time Fee, but not both. Whether a plan is management program or if your account is closed or in default.
subject to interest or the Chase Pay Over Time Fee is at our discretion and We may limit the number of plans you can have and can change this
will be disclosed to you at the time of plan creation. number at any time. We may decline a specific Chase Pay Over Time plan
An eligible purchase is a purchase of at least a specific dollar amount, as for any reason and we may, from time to time, further limit the types of
provided within the Chase Pay Over Time offer details or plan creation transactions eligible for Chase Pay Over Time.
experience. Certain transactions like cash-like transactions and purchases
already subject to promotional or introductory terms are not eligible. Cash
advance, balance transfer and My Chase Loan transactions, as well as Fees
owed to us (like the Annual Membership Fee), are not eligible for Chase Pay
Over Time.

PAYING US BACK
You will receive a billing statement, if one is required, each month. It will show your minimum required
payment. After you make a payment, it may take up to 15 days to restore available credit on your account.
IMPORTANT
WHAT IT MEANS TO YOU OUR RESPONSIBILITY
INFORMATION
You must follow the payment instructions on your billing statement. You
can pay us by: check, money order, or electronic payment drawn on a U.S.
As long as you make your payment in accordance with the instructions on
bank or a foreign bank branch in the U.S. All payments must be in U.S.
your billing statement by the date and time payments are due, we will credit
Payment Instructions Dollars. You authorize us to collect any payment check either electronically
your payment as of the same day it is received. We may accept and process
or by draft. Payments marked "paid in full" must be sent to the Conditional
any payments marked as "paid in full" without losing our rights.
Payments address shown on your billing statement. See your billing
statement for complete payment instructions.
You agree to pay at least the minimum payment when due. You also agree
to pay amounts in excess of your credit access line when billed to your
We will calculate your minimum payment based on the method described
monthly statements or sooner if we ask. Minimum payments may include
Minimum Payment below the Rates and Fees Table. The minimum payment will appear on your
specific fixed payments that are part of special promotions. You can pay
monthly statement and includes any past due amounts.
down balances faster by paying more than the minimum payment or the
total unpaid balance on your account.
• When your account is in an interest-free period, interest is not
charged on new purchases.
• Your account is in an interest-free period when you have paid the
New Balance or Interest Saving Balance shown on your most recent
billing statement by the due date and time.
• If you do not pay the New Balance or Interest Saving Balance shown
on your most recent billing statement by the due date and time, you • When your account is in an interest-free period, we will not charge
will lose your interest-free period and we will charge interest on your you interest on new purchases.
purchases. • When your account is not in an interest-free period, we will charge
Interest-Free Period (also
• You can regain the benefit of the interest-free period by paying your you interest on your purchases from the date the purchases appear
called Grace Period) on
New Balance or Interest Saving Balance by the due date and time. on your account until your New Balance or Interest Saving Balance is
Purchases
• After you enter an interest-free period again, interest charges on paid in full.
purchases may still appear on your next billing statement. This • For more details about how we calculate your interest charges, see
reflects interest charged from the beginning of that billing cycle the Interest Charges section of this agreement.
through the date that your payment for the prior billing statement was
received.
• Balance Transfers, Checks, and Cash Advances do not have an
interest-free period and if these balances are not paid in full by paying
your New Balance or Interest Saving Balance by the due date and
time, you will lose your interest-free period on new purchases.

4 CMA77014
Cardmember Agreement (cont.)
• When you make a payment, generally, we apply your minimum
payment first to (a) the monthly obligation for any Flexible Financing
Offer balances with special payment obligations which require We apply payments to balances on your monthly statement before being
repayment of the balance over a pre-selected number of billing applied to new transactions posted to your account after the statement
Payment Allocation periods (like Chase Pay Over Time plans), and then to (b) the balance date. Examples of new transactions are recent purchases you made and
on your monthly statement with the lowest APR. Chase Pay Over Time plans you created that are not yet included on your
• Any payment above your minimum payment would generally then be statement.
applied to the balance on your monthly statement with the highest
APR first.
If you do not request a refund, we will apply any credit balance to new
charges on your Account. If a credit balance remains on your account for
Credit Balances You may request a refund of any credit balance. 6 months and the amount is $1 or more, we will automatically refund it
to you. If your credit balance is less than $1, it will be removed from your
account but we will send the credit balance to you if you ask us to do so.

"HOW TO AVOID…"
Certain 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 are listed in the Rates and Fees Table. The Rates and Fees Table indicates amounts "up
to" certain limits for penalty fees because applicable law may restrict our ability to impose the full amount of the penalty fee in some circumstances.
See the "Penalty Fees" provision below the Rates and Fees Table for additional detail reflecting limitations imposed under applicable law. Special
services you request may incur additional service fees; be sure to carefully review the details of any additional services to understand the terms.
"HOW TO AVOID..." WHAT TO DO WHAT IT MEANS
If any payment is late, we may charge you a late fee. If the fee is based on
Ensure Chase receives at least the minimum payment shown on your billing
Late Fee a balance, we calculate the fee using the total balance at the end of the day
statement when due.
the fee is charged.
We may charge a return check fee if we stop payment on a cash advance
Do not stop payment on cash advance and balance transfer checks, and do check or balance transfer check at your request, or we refuse to pay a cash
Return Check Fee
not default. advance check or balance transfer check for any reason, including because
your account is in default.
We may charge this fee if the payment you offer to us is not honored, is
Return Payment Fee Do not submit a payment that could be returned unpaid.
returned unpaid, or cannot be processed.
We can apply the Penalty APR, which is higher than the APR you would
otherwise pay, for either of these reasons.
• Penalty 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 60 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 either 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 if a reduction in the APR
is appropriate.
Do Not:
• Fail to make a Minimum Payment by the date and time that it is due; • Penalty APR on outstanding balances and new transactions: If
Penalty APR or we do not receive the Minimum Payment within 60 days of the date
and time that it is due, then we also may apply the Penalty APR. If
• Make a payment to us that is returned unpaid.
we apply it in this instance, the Penalty APR will apply to all existing
balances on your account and new transactions. If you make six
consecutive minimum payments when due beginning with your first
payment due after we apply the Penalty APR, then the Penalty APR
will no longer apply. If you do not make six consecutive minimum
payments when due beginning with your first payment 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
your account from time to time to see if a reduction in the APR is
appropriate.
If you are in default, we may take the actions described above in the Default
Collections Do not default.
section under Important Definitions above.

"WHAT HAPPENS IF…?"

Review this section for common situations or questions that might require action from you or Chase.
"WHAT HAPPENS IF…?" ACTION WHAT IT MEANS
Write to us within 60 days after the suspected error appears on your billing statement.
… I think I found a mistake on my
We will investigate We will investigate and contact you with our findings. Please see the Your Billing Rights
statement?
section below for more details.
First, attempt to resolve the problem with the merchant. Then write to us about the
… I'm dissatisfied with a credit card
We will research the problem purchase. We will research the problem and contact you with our findings. Please see the
purchase?
Your Billing Rights section below for more details.
If your card is lost or stolen, or you think someone used your account without
Contact us immediately and stop using permission, tell us immediately by calling the Cardmember Services number on your
… my card is lost or stolen?
your account card or billing statement. We need your help to find out what happened and correct the
problem.
Even if your account is closed or suspended, you must still repay all amounts you owe
... my account is closed or suspended? You remain responsible for your balance
under the account.

5 CMA77014
Cardmember Agreement (cont.)
...I want to transfer a balance or make a Balance transfer or cash advance You will incur a transaction fee for these transactions. See the Rates and Fees Table for
cash advance? transaction fees apply the amount of this fee.

ABOUT OUR RELATIONSHIP

Maintaining a positive relationship with you is very important to us. Please review these terms to understand more about your account.
IMPORTANT
WHAT IT MEANS
INFORMATION
We 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 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 about 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 for 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. Message and data rates may apply. You may contact us anytime
Communications
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 include: suspected fraud or identity theft; obtaining information; transactions on or servicing of your account; collecting on your
account; and providing you information about products and services.
Notify us immediately of any changes to your contact information using the Cardmember Services address or phone number shown on your billing
statement.
Telephone Monitoring We may listen to and record your telephone calls with us and we may use your voice for verification.
We 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 the ongoing administration of your account. We may also provide information about you and your account to credit
Credit Information
reporting agencies and others. We may provide information 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.
We 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
Enforcement
any terms of this agreement are found to be unenforceable, we may still enforce the other terms.
This 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
Governing Law
this account.
We 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
Assignment
rights that we assign to them.
NJ Residents All provisions of this agreement are valid, enforceable and applicable in New Jersey.
Federal 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 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 transaction or account: 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 application fees for specified credit transactions
Military Lending Act
or accounts); and any participation fee charged (other than certain participation fees for a credit card account). If you are covered by the Military
Notice
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 the 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 this information and a description of your payment obligation verbally or for questions, please call
1-800-235-9978.
Unless 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 participate in a class action for your dispute(s) with us. In arbitration, disputes are resolved by an arbitrator, not a judge or
Binding Arbitration
jury, and procedures are simpler and more limited than rules applicable in court.
Please see the Arbitration Agreement section for more details, including instructions for how to reject the agreement to arbitrate.

INTEREST CHARGES
Daily Interest Rates and Annual Percentage Rates may be found on the Rates and Fees Table.
Periodic Interest Charge Calculation—Daily balance method (Including new transactions):
We calculate a daily balance for each type of transaction and use the daily balances to determine your interest charges.
We figure the "daily balance" for each transaction type as follows:
• We take the beginning balance for each day and add
- any interest charge from the prior day (known as compounding of interest) and
- any new transactions or other debits (including Annual Membership Fees, transaction fees, Penalty Fees, any other fees and unpaid interest charges).
• We subtract payments or credits, and treat any net credit balance as a zero balance.
• The result is the daily balance for each type of transaction.
We figure the interest charges on your account as follows:
• 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.
• We multiply the daily interest rate by the daily balance for each transaction type for each day in the billing cycle.
• We add together the interest charges for each day in the billing cycle for each transaction type.
• If any interest charge is due, we will charge you at least the minimum interest charge shown on the Rates and Fees Table.
We add transactions and fees to your daily balance no earlier than:
• For new purchases (including Chase Pay Over Time plans created at checkout with select merchants), balance transfers, cash advances, or My Chase Loans – the date of the
transaction.
• For new cash advance checks or balance transfer checks – the date the payee deposits the check.
• Fees – 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.
The 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. We may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, interest charges and related amounts.

Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If 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:
• Account information: Your name and account number.

6 CMA77014
Cardmember Agreement (cont.)
• Dollar amount: The dollar amount of the suspected error.
• 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.
You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You 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.
What Will Happen After We Receive Your Written Communication
When we receive your communication, we must do two things:
1. 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.
2. Within 90 days of receiving your communication, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit access line.
After we finish our investigation, one of two things will happen:
• 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.
• If 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 due. We may then report you as delinquent if you do not pay the amount we think you owe.
If 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 reporting 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.
If 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.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If 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 remaining amount due on the purchase. To use this right, all of the following must be true:
1. The 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 your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. You must not yet have fully paid for the purchase.
If 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 apply 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.

Copyright ©2023 JPMorgan Chase & Co. All rights reserved.

ARBITRATION AGREEMENT

PLEASE REVIEW—IMPORTANT—AFFECTS YOUR LEGAL RIGHTS

This arbitration agreement provides that all disputes between you and Chase must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to
arbitration. By accepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURT (except for matters that may be taken to a small claims court). Arbitration will proceed
on an INDIVIDUAL BASIS, so class actions and similar proceedings will NOT be available to you.
YOU HAVE THE RIGHT TO REJECT THIS AGREEMENT TO ARBITRATION, BUT IF YOU WISH TO REJECT IT, YOU MUST DO SO PROMPTLY. If you do not reject this agreement to
arbitration within 60 days of account opening and in the manner set forth below, then:
• In arbitration, your rights will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY.
• The procedures in arbitration are simpler and more limited than rules applicable in court.
• Arbitrator decisions are subject to VERY LIMITED REVIEW BY A COURT.
If you do not reject this agreement as provided below within 60 days of account opening, you or we may elect to resolve any Claim by arbitration.
For purposes of this agreement to arbitrate, "you" includes any co-applicant or authorized user on your account, or anyone else connected with you or claiming through you; and "we" or
"us" includes JPMorgan Chase Bank, N.A. and Chase Bank USA, N.A., all of their parents, subsidiaries, affiliates, successors, predecessors, employees, and related persons or entities
and all third parties who are regarded as agents or representatives of us in connection with the account, or the subject matter of the claim or dispute at issue.
All claims or disputes between you and us about or relating in any way to your account, any prior account, your Cardmember Agreement with us (including any future amendments),
any prior Cardmember Agreement, or our relationship are referred to as "Claims" for purposes of this agreement to arbitrate. Claims include, for example, claims or disputes arising
from or relating in any way to transactions involving your account; any interest, charges, or fees assessed on your account; any service(s) or programs related to your account; any
communications related to your account; and any collection or credit reporting of your account. Claims also include claims or disputes arising from or relating in any way to advertising
and solicitations, or the application for, approval, or establishment of your account. Claims are subject to arbitration regardless of whether they are based on contract, tort, statute,
regulation, common law or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether they arose in the past, may currently exist, or may arise
in the future. Arbitration will apply even if your account is closed, sold, or assigned; you pay us in full any outstanding debt you owe; or you file for bankruptcy. In the event that your
account is sold and/or assigned, we retain our right to elect arbitration of Claims by you and you retain your right to elect arbitration of Claims by us.
• If you are covered by the Military Lending Act, then you are not bound by this arbitration agreement, and 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 applicable provision of state or federal law.
The only other exception to the arbitration requirement is that you have the right to file and pursue a Claim in a small claims court instead of arbitration if the Claim is in that court's
jurisdiction and proceeds on an individual basis.
If you initiate a Claim in arbitration, no changes to the terms of this agreement to arbitrate that are made after we receive your Claim will apply to that Claim.
This agreement to arbitrate is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq.
Can I (the customer) reject this agreement to arbitrate?
Yes. You have the right to reject this agreement to arbitrate if you notify us within 60 days of account opening. You must do so in writing by stating that you reject this agreement to
arbitrate and include your name, account number, address and personal signature. Your notice must be mailed to us at P.O. Box 15298, Wilmington, DE 19850-5298. Rejection notices
sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective.
What about class actions or representative actions?
Individuals sometimes seek to bring lawsuits on behalf of other, similarly situated individuals. This is often called a class action. Class actions, other similar representative procedures,
and consolidation of Claims (except for claimants on the same account) are not available under this agreement to arbitrate. Claims in arbitration will proceed only on an individual basis.
Additionally, you may not join your claims with other persons on other accounts in the arbitration; each person must arbitrate his or her own claims separately.
UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE ARE WAIVING THE RIGHT TO ASSERT OR PARTICIPATE IN A CLASS ACTION, OR ANY REPRESENTATIVE
OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.

7 CMA77014
Cardmember Agreement (cont.)
The arbitrator shall have no authority to entertain any Claim as a class action or on any other similar representative basis, nor shall the arbitrator have any authority to consolidate Claims
brought by separate claimants (except for claimants on the same account). To be clear, this means that the arbitrator also shall have no authority to make any award for the benefit of,
or against, any person other than the individual who is the named party. If these terms prohibiting class, representative, or consolidation procedures are held to be legally unenforceable
for any reason with respect to a Claim, then the Claim must be handled through litigation in court instead of by arbitration.
How does arbitration work?
Arbitration is different from a lawsuit in state or federal court. Arbitration is conducted by private organizations that specialize in alternative dispute resolution, and is conducted before a
neutral arbitrator instead of a judge or jury. Arbitration procedures are generally simpler and more informal than court procedures. For example, discovery is more limited in arbitration
than in court. Also, arbitrator decisions are subject to only limited review by courts. As discussed above, certain rights that you may have in court are not available in arbitration. At the
same time, in arbitration you are entitled to recover attorneys' fees from us to the same extent as you would be in court.
Under this agreement to arbitrate, the party filing a Claim must select either Judicial Arbitration and Mediation Services ("JAMS") or the American Arbitration Association ("AAA") as the
arbitration administrator. You can learn more about these organizations online, at the addresses provided below. Each of these organizations will apply its code of procedures in effect at
the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this agreement, this arbitration provision
and/or this agreement will control. In the event that JAMS or the AAA is unable or unwilling to handle the Claim for any reason, then the matter shall be arbitrated instead by a neutral
arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with the Federal Arbitration Act).
A single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator is bound by the terms of this agreement to arbitrate. All issues
are for the arbitrator to decide, except that issues relating to the scope, enforceability, interpretation, formation, and validity of this arbitration agreement are for a court to decide. The
arbitrator will honor all claims of privilege recognized by law. Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the
power to award to a party any damages or other relief provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages or other relief that it could
recover if it prevailed in a court proceeding as an individual. No arbitration award or decision will have any preclusive effect on issues or claims in any subsequent proceedings beyond
the Claims at issue. The arbitrator's authority is limited to claims between you and us, and the arbitrator can award damages or relief only to you, but not to or on behalf of anyone else.
Although under some laws we may have a right to an award of attorneys' fees and expenses if we prevail, we agree that we will not seek such an award.
If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or in an in-person hearing.
Any in-person hearing will take place in the federal judicial district that includes your address at the time the Claim is filed, unless the parties agree to a different place.
Is the arbitrator's decision final? Is there an appeal process?
The arbitrator's decision will be final and binding on the parties. An arbitrator's award shall consist of a written statement setting forth the disposition of each Claim. At the request of
any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions on which the award is based.
A party can file a written appeal to the arbitration administrator within 30 days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by
the same arbitration administrator. That panel will consider all legal and factual issues anew, and make all decisions and awards by majority vote based on the documents and arbitration
record without a hearing. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable by
any court having jurisdiction.
Who will pay for costs?
We will pay any costs that are required to be paid by us under the arbitration administrator's rules of procedure. Even if not otherwise required, we will reimburse you up to $500 for
any initial arbitration filing fees you have paid. We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. If you win the arbitration, we
will reimburse you for any fees you paid to the arbitration organization and/or arbitrator. All other fees will be allocated according to the arbitration administrator's rules and applicable
law. If you consider that you are unable to afford any fees that would be yours to pay to the arbitration administrator, you may request that we pay or reimburse them, and we will
consider your request in good faith.
You may represent yourself in arbitration, or you may be represented by a lawyer. Except as described above, you will be responsible for your own attorneys' fees and costs.
How do I (the customer) file an arbitration claim?
Rules and forms may be obtained from, and Claims may be filed with, JAMS ([Link]); or the AAA ([Link]) at American Arbitration Association Case Filing Services,
1101 Laurel Oak Road, Suite 100, Voorhees, NJ 08043. Both of these administrators have particular rules for arbitrations initiated by a consumer.

Copyright ©2023 JPMorgan Chase & Co. All rights reserved.

8 CMA77014
 Chase Bank USA, N.A.
Your Credit Report and the Price You Pay for Credit
What is a credit report? A credit report is a record of your credit history. It includes information about
whether you pay your bills on time and how much you owe to creditors.
How did we use your We used information from your credit report to set the terms of the credit
credit report? we are offering you, such as the Annual Percentage Rate.

The terms offered to you may be less favorable than the terms offered to consumers who have better
credit histories.

What if there are mis- You have a right to dispute any inaccurate information in your credit report.
takes in your
credit report? If you find mistakes on your credit report, contact Experian
which is the consumer reporting agency from which we obtained your credit report.

It is a good idea to check your credit report to make sure the information
it contains is accurate.

How can you obtain Under federal law, you have the right to obtain a copy of your credit report
a copy of your without charge for 60 days after you receive this notice.
credit report? To obtain your free report, contact: Experian

By telephone: Call toll-free: 1-888-397-3742

By mail: Mail your written request to:
701 Experian parkway
PO Box 2002
Allen, TX 75013

On the web: Visit: [Link]/reportaccess

How can you get more For more information about credit reports and your rights under federal law, visit the Federal
information about Reserve Board's web site at [Link], or the Federal Trade Commision's web site at
credit reports? [Link]

Your Credit Score and Understanding Your Credit Score

Information about Your credit score: 760 Scoring system name: FICO® Score
your credit score Date calculated: 08/07/2024 Source: Experian

What you should know Your credit score is a number that reflects the information in your credit report.
about credit scores Your score can change, depending on how your credit history changes.

The range of scores Scores calculated using this source can range from a low of 250 to a high of 9 0 0
(higher scores are better).

Key factors that

adversely affected
your credit score: