AGREEMENT AND FEE SCHEDULE - Chase.com

1 Page 1 of 20 Effective 5/17/2020 JPMorgan chase Bank, Member FDIC 2020 JPMorgan chase & AND PRIVACY NOTICEC hase Liquid gives you access to thousands of chase ATMs and branches nationwide, , chase Mobile , and Account chase Liquid AGREEMENT has three sections:1. Summary of Fees that are applicable to your Card2. Services and Fee Schedule3. Terms and ConditionsThis AGREEMENT is the contract that governs your chase Liquid Card. You must be at least 18 years of age and make an initial load of $25 to obtain a chase Liquid Card. You agree not to use your Card for business purposes. We recommend keeping this AGREEMENT but we regularly update it, so you can always get the current AGREEMENT at or at a remember, whenever you have a question, you can call us at 1-877-712-0088 or see a chase banker at your nearest no longer open chase Liquid Cards, but we will issue a new Card when one expires or if you tell us it was damaged, lost or of FeesMonthly Fee$ Per Purchase$0 ATM Withdrawal$0 chase ATMs$ Non- chase ATMsCash Reload$0 ATM balance inquiry (at chase ATMs or Non- chase ATMs)$0 or $ service$0 Inactivity$0We charge 6 other types of fees.

2 Here are some of them:Deposited Item Returned/Cashed Check Returned$12 per itemLegal ProcessingUp to $75 per order. Processing of any garnishment, tax levy, or other court order or administrative order against a chase Liquid Card, whether or not the funds are actually paid No monthly fee if linked to a qualifying chase checking accountNo overdraft or credit-related funds are FDIC insured up to the maximum allowed by general information about prepaid accounts, visit Find details and conditions for all fees and services on page 2 of this 2 of 20 Effective 5/17/2020 JPMorgan chase Bank, Member FDIC 2020 JPMorgan chase & AND FEE SCHEDULEList of all fees for chase LiquidAll FeesAmountDetailsGet StartedCard opening$0 Maximum number of chase Liquid Cards per customer is three. Each Card will have its own balance and cannot be accessed by other CardsMonthly UsageMonthly Service Fee$ Monthly Service Fee if linked to a qualifying chase checking account. Qualifying accounts include chase Premier Plus CheckingSM, chase SapphireSM Checking, chase Private Client CheckingSM, chase Premier CheckingSM and chase Better Banking CheckingAdd MoneyDirect deposit$0Of your paycheck, government benefits check or tax refundCash loads$0At chase ATMs or chase branches.

3 Only cash loads are limited to no more than $4,000 per calendar from checking/savings accounts or chase Liquid Cards$0 See your AGREEMENT for limits on savings account withdrawalsCheck deposits$0At chase ATMs, chase branches, or by using chase QuickDepositSM. For mobile users, message and data rates may applySpend MoneyPurchases$0In stores and online with your card, excluding rental purchases ( cars, equipment, furniture)Online Bill Pay$0 Bill Pay using your 16-digit Card number$0 Merchant fees may applyChase QuickPay with Zelle $0 Send and receive money using an email or mobile phone numberMoney Order$5A check issued by you, purchased at a branch, for an amount up to $1,000 Cashier's Check$8A check issued by the bank, purchased at a branch, for any amount and to a payee you designateWire transfers (incoming and outgoing)Not AvailableUsing your account number to pay a third party (you must use your Card number for third party payments)Not AvailableCheck writingNot AvailableSee the following page for additional information.

4 Your funds are FDIC insured up to the maximum allowed by overdraft/credit JPMorgan chase Bank, by calling 1-877-712-0088 or by mail at PO Box 659754, San Antonio, TX general information about prepaid accounts, visit If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit 3 of 20 Effective 5/17/2020 JPMorgan chase Bank, Member FDIC 2020 JPMorgan chase & AND FEE SCHEDULEAll FeesAmountDetailsGet CashChase branches or chase ATM withdrawal$0 Non- chase ATM withdrawal$ owner/network fees applyNon- chase branches$0 Other bank fees may applyInformationChase Telephone Banking Customer Service$0 Balance Inquiry$0At chase ATMs, chase Online and Mobile, and chase Telephone Banking. For mobile users, message and data rates may applyNon- chase ATM balance inquiry$ owner/network fees applyUsing Your Card Outside the Exchange Rate Adjustment3% Of withdrawal amount after conversion to dollars. You make card purchases, non-ATM cash transactions, or ATM withdrawals in a currency other than dollarsInternational ATM withdrawal or balance inquiry$ owner/network fees applyOtherInactivity$0 Card replacement Rush Request (Avoid this fee by requesting standard shipping)$5 You request express shipping of a replacement Liquid CardNon- chase ATM transfer (Domestic or International)

5 $ owner/network fees applyDeposited Item Returned or Cashed Check Returned$12 per itemYou load or cash an item that is returned unpaidLegal ProcessingUp to $75per orderProcessing of any garnishment, tax levy, or other court order or administrative order against a chase Liquid Card, whether or not the funds are actually paidYour funds are FDIC insured up to the maximum allowed by overdraft/credit JPMorgan chase Bank, by calling 1-877-712-0088 or by mail at PO Box 659754, San Antonio, TX general information about prepaid accounts, visit If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit 4 of 20 Effective 5/17/2020 JPMorgan chase Bank, Member FDIC 2020 JPMorgan chase & AGREEMENTCHASE LIQUID AGREEMENT TABLE OF FUNDS TRANSFER SERVICE 5A. Types of EFT Services ..5B. Important Information and Agreements About Your Card ..6C. Limitations on Transfers, Amounts and Frequency of Transactions.

6 8D. Receipts and Statements ..8E. In Case of Errors or Questions About Your Electronic Funds Transfers ..8F. Our Liability For Failure to Complete Transactions ..9G. Preauthorized (Recurring) Transfers and Stop Disclosure of Card Information to Third Notice of Your Rights and ACCOUNT TERMS ..10A. Loading Your Card (Deposits) or Cashing Checks Payable to Withdrawals, Transfers and Other Your Responsibility to Repay Overdrafts ..12D. Setoff and Security Notice of Errors, Forgeries and Unauthorized Signatures ..13F. Canceling Your Other Legal Terms (including Arbitration) ..13 ACCOUNT ALERTS AND TEXT AVAILABILITY POLICY ..18 HOW TO CONTACT US ..20 PRIVACY NOTICEPage 5 of 20 Effective 5/17/2020 JPMorgan chase Bank, Member FDIC 2020 JPMorgan chase & are some important terms that we use throughout this AGREEMENT :Account: The financial tool with which we measure the balance on your Card. While your account is not a deposit account established in your name, the funds on your Card are held by us in a subaccount established for the Card program and are covered by FDIC insurance.

7 You may only have one Card associated with an account at any one time. If your Card is closed (for example, because it is lost or stolen) we may issue a new Card connected to the same account. We may refer to your Card by an account number, which is different than your Card number, for accounting purposes (Automated Clearing House): ACH, which may also be referred to as automatic payments, are funds transferred to or from your account through an automated clearing house network. Common examples include direct deposits of payroll, pension or government benefits such as Social (Automated Teller Machine): An electronic device that performs many banking services, which can include withdrawals and balance balance: Your previous day s balance plus any pending credit transactions (excluding pending Card purchase returns), such as ACH direct deposits minus: Pending charges such as Card purchases, electronic payments or transactions that we are obligated to pay or have already paid, Amount of deposits that are not yet available for withdrawal under our Funds Availability Policy, Any holds on your balance, such as holds on funds to comply with court orders or other legal day: Every day except Saturdays, Sundays and federal holidays.

8 Some branches may close on a business day due to an emergency or to observe a state or chase Liquid Card: The reloadable general-purpose prepaid card issued to : A written order to pay a specific amount of money drawn on, payable through, payable at or processed by a bank or other depository institution. If a check is sent or returned as an electronic image or as a substitute check, it is still considered a deposit: An automatic electronic deposit made through the ACH network to your account by someone else, such as an employer issuing payroll or a government paying on your account: Any amount of money that is in your balance but that you cannot withdraw because of delayed funds availability, a court order or other reason. A hold may be placed for more than your : Any amount that is added to or subtracted from your balance such as any check, ACH, funds transfer, online banking transaction, teller cash withdrawal, ATM withdrawal, Card purchase, fee or : Adding funds (depositing) to your : The amount by which any item(s) presented on your account on a business day exceeds the available : When your account has a negative : A four-digit personal identification number that you either select or request from us for your Liquid Card.

9 Some merchants and all ATMs require a PIN when you use a Liquid FUNDS TRANSFER SERVICE TERMSWe provide a variety of electronic funds transfer (EFT) services. These include payments, deposits and transfers that you make or receive by electronic methods, such as with your Card, telephone, or Types of EFT Services1. Card transactionsWe may provide you a temporary Card, which will be replaced by a personalized Card. Once you activate your personalized Card, your temporary Card will no longer work. We retain the right to limit the number of chase Liquid Cards you may have open at any one time. Your account may remain open even if your Card is can use your Card as follows:At ATMs to: Withdraw cash; Transfer money;Page 6 of 20 Effective 5/17/2020 JPMorgan chase Bank, Member FDIC 2020 JPMorgan chase & Co. Check your balances; Deposit cash or checks;* Make payments to qualifying chase credit cards and loans;* Obtain a copy of recent Card activity.*Services marked with an asterisk (*) are available only at chase ATMs, and all services may not be available at all chase ATMs.

10 Services are available only for designated accounts linked to your Card will work at a non- chase ATM only if the ATM is in a participating network. Non- chase ATMs will display your Card as a checking account and will display up to one linked savings account. Outside the , non- chase ATMs will generally allow you to access only your Card balance. We may charge a Non- chase ATM Fee, and the ATM owner/network may also charge a fee. Any of these fees may be charged for any activity, including withdrawals, balance inquiries and transfers. We generally waive the Non- chase ATM Fee for a balance inquiry or transfer if it is made in connection with a withdrawal at the same non- chase ATM at the same time with the same participating merchants to: Purchase goods and services (excluding rentals for cars, equipment and furniture). Purchases are subtracted from your balance. If you have arranged with your merchant to make recurring payments, you must notify the merchant if your Card number or expiration date has changed or if your Card has closed.