BUSINESS CHECKING ACCOUNTS - Chase.com

1 JPMorgan chase Bank, Member FDIC 2021 JPMorgan chase & 4/18/2021 Page 1 of 19 Additional Banking Services and fees for BUSINESS AccountsDeposit Account AgreementThis document is part of the Deposit Account Agreement and has 5 sections that provide additional information about our products and Product Information2. BUSINESS Deposit Express3. Fee Schedule4. Card Purchase and Withdrawal Limits5. chase BUSINESS Overdraft ServicesDeposit Account Agreement BUSINESS Product InformationBUSINESS CHECKING ACCOUNTSC hase BUSINESS Complete CheckingSMNo Monthly Service/Maintenance Fee in any statement period in which you Maintain a linked chase Private Client CheckingSM account OR Fulfill at least one of the following qualifying activities: Maintain a minimum balance of at least $2,000 in this account each day of the statement period1 Spend at least $2,000 using your chase Ink BUSINESS Card(s)2 on purchases Deposit at least $2,000 into your chase BUSINESS Complete CHECKING account from QuickAcceptSM transactions and/or transactions from eligible3 chase Merchant Services products (net of chargebacks, refunds, or other adjustments) at least one BUSINESS day4 prior to the last day of your chase BUSINESS Complete CHECKING account statement periodChase Military Banking BenefitsChase Military Banking benefits are available on chase BUSINESS Complete CHECKING ACCOUNTS for current servicemembers and veterans of our nation s militaryMonthly Service Fee Waiver: This fee can be waived with a valid military ID or proof of military serviceAdditional benefits for Active Duty servicemembers require direct deposit of military pay (does not include allotments).

2 Benefits will end if no direct deposit has been made within the last 180 days: No chase fee on all non- chase ATM transactions (ATM owner fees still apply) No chase fee on incoming or outgoing wire transfers No chase fee for Exchange Rate Adjustments on debit card purchases or ATM withdrawals using your Debit/ATM card in currencies other than DollarsOtherwise, a Monthly Service/Maintenance Fee will apply$15 Transaction5 fees per monthElectronic deposits and deposited items, ACH and ATM transactions, chase QuickDepositSM, debit card purchases, and internal transfers No Charge6 Deposits and withdrawals made with a teller and paper checks written on the account 0 20 No Charge 21+ $ Cash Deposit Processing FeeFor the first $5,000 per statement period (see BUSINESS Deposit Express Fee Schedule for additional fees )OtherCertain cash management services, including, but not limited to, Cash Concentration, Lockbox and End of the Day Sweeps are not permitted in conjunction with this type of CHECKING account.

3 chase reserves the right to convert the account to accommodate such cash management services. Conversion may result in increased feesNOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your chase Bank, Member FDIC 2021 JPMorgan chase & 4/18/2021 Page 2 of 19 Deposit Account Agreement BUSINESS Product InformationBUSINESS CHECKING ACCOUNTS (CONTINUED) chase QuickAcceptSMQuickAccept allows customers with a chase BUSINESS Complete CHECKING account to accept card payments directly into their chase BUSINESS Complete CHECKING account. Most domestic and international credit, debit, prepaid or gift cards with a Visa, Mastercard, American Express or Discover logo can be accepted through QuickAccept. Usage of QuickAccept is subject to eligibility, terms of service, monitoring and further Entry + $ per authorized, key-entered transaction for card payments accepted when card information is inputted through the QuickAccept section of the chase Mobile appCard Reader + $ per authorized transaction via: Swiping a magnetic strip-enabled card through the reader Dipping an EMV-enabled card in the reader Tapping an NFC-enabled contactless card to the readerThe card reader will be sold separately and ordered via the QuickAccept feature of the chase Mobile appOther If you refund a payment in full, transaction fees will be returned in full If you refund a payment in part, transaction fees will not be returned You agree to reimburse us for all fines, fees , penalties, liabilities, or other charges or assessments by a card network or other payment network relating to your actions or your transactionsNOTE.

4 The cost of processing a payment via another chase Merchant Services solution may be higher or lower depending upon the size and method of the chase Bank, Member FDIC 2021 JPMorgan chase & 4/18/2021 Page 3 of 19 Deposit Account Agreement BUSINESS Product InformationBUSINESS CHECKING ACCOUNTS (CONTINUED) chase Performance BUSINESS CHECKING chase Performance BUSINESS CHECKING with Interest No Monthly Service/Maintenance Fee in any statement period in which youMaintain an average beginning day balance7 of $35,000 or more in any combination of linked BUSINESS savings (excluding Client Funds Savings ACCOUNTS ), BUSINESS CDs and other chase Performance BUSINESS CHECKING accountsNot ApplicableOtherwise, a Monthly Service/Maintenance Fee will apply$30 Transaction5 fees per monthElectronic deposits and deposited items made via ATM, ACH, Wire and chase QuickDeposit: No Charge6 (across all linked chase Performance BUSINESS CHECKING ACCOUNTS )Deposits and deposited items made with a teller, incoming wires and all debits: 0 250 No Charge 251+ $ (across all linked chase Performance BUSINESS CHECKING ACCOUNTS )InterestNoneVariable; based on daily collected balanceNo Cash Deposit Processing FeeFor the first $20,000 per statement period across all linked chase Performance BUSINESS CHECKING ACCOUNTS (see BUSINESS Deposit Express Fee Schedule for additional fees )Wire TransfersWire Transfers: Incoming13 Domestic No Charge International No ChargeWire Transfers: Outgoing2 most expensive outgoing domestic wire transfers per month included at no charge.

5 Otherwise, the following charges will apply across all linked chase Performance BUSINESS CHECKING ACCOUNTS : Domestic ( ) $25 per transfer Domestic (branch) $35 per transfer International Dollar ( ) $40 per transfer International FX ( ) $5 per transfer or $0 per transfer if the amount is equal to $5,000 USD or moreInternational Dollar or FX (branch) $50 per transferOther Certain cash management services are not permitted, or may be limited, in conjunction with this type of CHECKING account. chase reserves the right to convert the account to accommodate such cash management services. Conversion may result in increased fees $4 Check Enclosure Fee charged per statement period No non- chase ATM fees charged by chase for using another institution s ATM8 No charge for Counter Checks, Money Orders, Cashier s Checks Link up to 999 chase Performance BUSINESS CHECKING subaccounts No Monthly Service Fee on a linked chase Total CHECKING accountNOTE.

6 Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your chase Bank, Member FDIC 2021 JPMorgan chase & 4/18/2021 Page 4 of 19 Deposit Account Agreement BUSINESS Product InformationBUSINESS CHECKING ACCOUNTS (CONTINUED) chase Platinum BUSINESS CheckingSMNo Monthly Service/Maintenance Fee in any statement period in which youMaintain an average beginning day balance of $100,000 ($50,000 when linked to chase Private Client CHECKING ) or more in any combination of linked BUSINESS savings (excluding Client Funds Savings ACCOUNTS ), BUSINESS CDs, other chase Platinum BUSINESS CHECKING ACCOUNTS and qualifying investment accounts9 Otherwise, a Monthly Service/Maintenance Fee will apply$95 Transaction5 fees per monthElectronic deposits and deposited items made via ATM, ACH, Wire and chase QuickDepositSM: No Charge6 (across all linked chase Platinum BUSINESS CHECKING ACCOUNTS )Deposits and deposited items made with a teller, and all debits: 0 500 No Charge 501+ $ (across all linked chase Platinum BUSINESS CHECKING ACCOUNTS )InterestNoneNo Cash Deposit Processing FeeFor the first $25,000 per statement period across all linked chase Platinum BUSINESS CHECKING ACCOUNTS (see BUSINESS Deposit Express Fee Schedule for additional fees )Wire FeesWire Transfers: Incoming13 Domestic No Charge International No ChargeWire Transfers: Outgoing 4 most expensive outgoing wires per month included at no charge.

7 Beyond 4, the following charges will apply across all linked chase Platinum BUSINESS CHECKING ACCOUNTS : Domestic ( ) $25 per transfer Domestic (branch) $35 per transfer International Dollar ( ) $40 per transfer International FX ( ) $5 per transfer or $0 per transfer if the amount is equal to $5,000 USD or moreInternational Dollar or FX (branch) $50 per transferNo charge when linked to chase Private Client CheckingOther Certain cash management services are not permitted, or may be limited, in conjunction with this type of CHECKING account. chase reserves the right to convert the account to accommodate such cash management services. Conversion may result in increased fees 1 Insufficient Funds Fee waived per statement period 1 Returned Item Fee waived per statement period No charge for Deposited Item Returned or Cashed Check Returned No charge for Stop Payments made via chase OnlineSM, branch and chase by Phone automated phone system, or renewals of Stop Payments No non- chase ATM fees charged by chase for using another institution s ATM8 No charge for Counter Checks, Money Orders, Cashier s Checks Link up to 999 chase Platinum BUSINESS CHECKING subaccounts No Monthly Service Fee on a linked chase Premier Plus CheckingSM account No monthly charge for QuickDeposit Single FeedNOTE.

8 Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your chase Bank, Member FDIC 2021 JPMorgan chase & 4/18/2021 Page 5 of 19 Deposit Account Agreement BUSINESS Product InformationBUSINESS CHECKING ACCOUNTS (CONTINUED) chase Analysis BUSINESS CheckingSMChase Analysis BUSINESS CHECKING with InterestSMMonthly Service/Maintenance Fee$25 Transaction5 fees per monthChecks Paid/Debits $ Branch Credit $ Electronic Credit $ Deposited Items $ Not-on-Us Deposited Items $ FeesWire Transfers: Incoming13 Domestic $ International $ Transfers: Outgoing Domestic ( ) $10 per transfer Domestic (branch) $35 per transfer International Dollar ( ) $40 per transfer International FX ( ) $5 per transfer or $0 per transfer if the amount is equal to $5,000 USD or moreInternational Dollar or FX (branch) $50 per transferOtherChase QuickDeposit Deposited Item $ chase QuickDeposit Credit $ ACH Return Fee: $3/itemReturned Deposited Item $10/itemReturned Item Redeposit $3/itemInterestNoneVariable; based on daily collected balanceEarnings CreditVariable; subject to change at chase s discretion.

9 It is applied to the monthly average collected balance and used to offset fees for monthly maintenance, transactions, cash management and additional banking servicesNot ApplicableNegative Collected Balance FeeChase Prime +3% charged on daily negative collected balanceBalance-Based ChargesVaries; subject to change at chase s discretionNo Cash Deposit Processing FeeFor the first $10,000 per month (see BUSINESS Deposit Express Fee Schedule for additional fees )NOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your chase Bank, Member FDIC 2021 JPMorgan chase & 4/18/2021 Page 6 of 19 Deposit Account Agreement BUSINESS Product InformationBUSINESS CHECKING ACCOUNTS (CONTINUED)IOLTA/IOTA/IOLA/IBRETA/IOREBT A/IRETA/COLTAF/CARHOF/UARHOFSMC lient Funds CheckingSMMonthly Service/Maintenance Fee will applyAccounts located in IL, NY: $15 ACCOUNTS located in all other states where offered: $0 NoneTransaction5 fees per monthNoneNoneInterestVariable.

10 Based on daily collected balanceNoneEarnings CreditNot ApplicableNot ApplicableNo Cash Deposit Processing FeeNot ApplicableNot ApplicableOtherMonthly Service Fee is deducted from interest earned and remaining interest is paid to the applicable state association or foundation to fund public service. fees for additional banking services may be billed to your chase Analysis BUSINESS CHECKING , chase Platinum BUSINESS CHECKING or chase Performance BUSINESS CHECKING (interest counterparts included, where applicable). Refer to your Pro Forma Analysis provided by your bankerLink up to 99 subaccountsSpecial purpose use onlyNOTE: Refer to the Fee Schedule and Product Information for fees and additional benefits that may apply to your chase Bank, Member FDIC 2021 JPMorgan chase & 4/18/2021 Page 7 of 19 Deposit Account Agreement BUSINESS Product InformationBUSINESS SAVINGS ACCOUNTSC hase BUSINESS Total SavingsSMChase BUSINESS Premier SavingsSMClient Funds SavingsSMNo Monthly Service/Maintenance Fee in any statement period in which you have An average ledger balance of $1,000 or more in this account; OR A linked chase BUSINESS Complete CHECKING account An average ledger balance of $25,000 or more in this account.