Digital Capabilities Getting Started Guide

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Disclaimer: INVESTMENT PRODUCTS ARE: NOT FDIC INSURED; NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JP MORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES; SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. Please read important information at the end.

This information is provided for informational purposes only. The companies, names, accounts, and activities portrayed in this video are fictitious and used for demonstration purposes only. We believe the information contained in this video to be reliable; however we do not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage arising out of the use of any information in this video. The views expressed herein are those of the speakers and may differ from those of other J.P. Morgan employees, and are subject to change without notice. Nothing in this video is intended to constitute a representation that any product or strategy is suitable for you. Nothing in this document shall be regarded as an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other) given by J.P. Morgan and/or its officers or employees to you. You should consult your independent professional advisors concerning accounting, legal or tax matters. Contact your J.P. Morgan team for additional information and guidance concerning your personal investment goals. Feature availability - and the steps to access features - may vary based on profile or account type, client segment, device and/or eligibility requirements.

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A smartphone, tablet, and laptop slide onto the screen with Account Overview pages displayed.

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Welcome to JPMorgan Online and the JPMorgan Mobile app.

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The tablet and laptop slide away as the phone is enlarged and displays a list of accounts.

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Our seamless platform elevates your private bank relationship with digital tools that put you in control.

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Pay & Collect and Investments pages slide across the screen of the phone, which is then replaced by the laptop.

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View and manage all of your accounts, banking, investments, and credit in one convenient place.

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A user scrolls down the Account Overview page to the External Accounts section, where they click on a three-dot icon and then the Link an external account option.

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Even link accounts from thousands of other financial institutions.

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The phone reappears displaying a page listing Investment accounts, which then flips to a list of stocks and their real time positions.

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You can track your portfolio's performance anytime, view positions and access historical data, and compare account performance to key indices.

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The screen displays a graph with lines for the user's return versus the return index. A laptop replaces the phone with portfolio accounts listed, and a user clicks a link to the Alternatives Investor Portal.

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Easily view hedge funds and private investments and take advantage of our latest equity research.

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A user clicks on the Investments tab, then selects J.P. Morgan Research to open recent analysis updates.

A phone screen displays a Pay & Collect page. A user clicks the Pay Bills icon and types in an amount for their electric bill. They then return to the Pay & Collect page, select Wires and global transfers, and add an amount to send. Back at the Pay & Collect page, they select the Collect and deposit tab, where a Deposit checks icon is located, and take a photo of a check.

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We make it easy to pay both bills and people, as well as wire funds within the United States or internationally with real time FX rates and quickly deposit checks by taking a photo with your phone.

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On a laptop, a user clicks on the Statements & documents tab, then Statements & Tax Center.

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You can view and export account statements and documents and grant access to tax professionals and other trusted individuals.

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A screen displays the Security Center page, where a user clicks a link to add a user and assign rights.

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Help protect yourself and your accounts by managing access to your data.

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A user chooses alert options under the Profile & Settings page, and selects a dollar amount for balance alerts.

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Even set up account alerts to receive timely updates via text, push notifications, or email about transactions, account thresholds, and more. Complement the comprehensive support of your JPMorgan team with JPMorgan Online and the JPMorgan Mobile app.

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QR codes for the Apple and Google Play stores.

Logo, J.P. Morgan Private Bank.

IMPORTANT INFORMATION KEY RISKS. This material is for information purposes only, and may inform you of certain products and services offered by private banking businesses, part of J.P. Morgan Chase & Co. ("JPM"). Products and services described, as well as associated fees, charges and interest rates, are subject to change in accordance with the applicable account agreements and may differ among geographic locations. Not all products and services are offered at all locations. If you are a person with a disability and need additional support accessing this material, please contact your J.P. Morgan team or email us at accessibility.support@jpmorgan.com for assistance. Please read all Important Information. Investing in alternative assets involves higher risks than traditional investments and is suitable only for sophisticated investors that must meet specific suitability before investing. Alternative investments involve greater risks than traditional investments and should not be deemed a complete investment program. They are not tax-efficient and an investor should consult with his/her tax advisor prior to investing. Alternative investments have higher fees than traditional investments and they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain. The value of the investment may fall as well as rise, and investors may get back less than they invested. Diversification and asset allocation does not ensure a profit or protect against loss. Private investments are subject to special risks. Individuals must meet specific suitability standards before investing. This information does not constitute an offer to sell or a solicitation of an offer to buy. As a reminder, hedge funds (or funds of hedge funds), private equity funds and real estate funds often engage in leveraging and other speculative investment practices that may increase the risk of investment loss. These investments can be highly illiquid, and are not required to provide periodic pricing or valuation information to investors, and may involve complex tax structures and delays in distributing important tax information. These investments are not subject to the same regulatory requirements as mutual funds; and often charge high fees. Further, any number of conflicts of interest may exist in the context of the management and/or operation of any such fund. For complete information, please refer to the applicable offering memorandum.

GENERAL RISKS & CONSIDERATIONS. Any views, strategies or products discussed in this material may not be appropriate for all individuals and are subject to risks. Investors may get back less than they invested, and past performance is not a reliable indicator of future results. Asset allocation/diversification does not guarantee a profit or protect against loss. Nothing this material should be relied upon in isolation for the purpose of making an investment decision. You are urged to consider carefully whether the services, products, classes (e.g. equities, fixed income, alternative investments, commodities, etc.) or strategies discussed are suitable to your needs. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. For this and more complete information. including discussion of your goals/situation, contact your J.P. Morgan team. You can download the J.P. Morgan Mobile® app from the App Store or Google Play. App Store is a trademark of Apple Inc., registered in the United States and other countries. Android and Google Play are trademarks of Google Inc. Use of these trademarks is subject to Google Permissions. J.P. Morgan Mobile® app is available for select mobile devices. Message and data rates may apply. J.P. Morgan OnlinesM Bill Pay: Must enroll in J.P. Morgan Online and activate Online Bill Pay. Certain restrictions and other limitations may apply. Chase Quick Deposit is available for select mobile devices. Enroll on the J.P. Morgan Mobile® app. Message and data rates may apply. Subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See chase.com/QuickDeposit for details and eligible mobile devices.

NON-RELIANCE. Certain information contained in this material is believed to be reliable; however, JPM does not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this material. No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary in this material, which are provided for illustration/ reference purposes only. The views, opinions, estimates and strategies expressed in this material constitute our judgment based on current market conditions and are subject to change without notice. JPM assumes no duty to update any information in this material in the event that such information changes. Views, opinions, estimates and strategies expressed herein may differ from those expressed by other areas of JPM, views expressed for other purposes or in other contexts, and this material should not be regarded as a research report. Any projected results and risks are based solely on hypothetical examples cited, and actual results and risks will vary depending on specific circumstances. Forward-looking statements should not be considered as guarantees or predictions of future events. Nothing in this document shall be construed as giving rise to any duty of care owed to, or advisory relationship with, you or any third party. Nothing in this document shall be regarded as an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other) given by J.P. Morgan and/or its officers or employees, irrespective of whether or not such communication was given at your request. J.P. Morgan and its affiliates and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transactions.

YOUR INVESTMENTS AND POTENTIAL CONFLICTS OF INTEREST. Conflicts of interest will arise whenever J.P. Morgan Chase Bank, N.A. or any of its affiliates (together, "J.P. Morgan") have an actual or perceived economic or other incentive in its management of our clients' portfolios to act in a way that benefits J.P. Morgan. Conflicts will result, for example (to the extent the following activities are permitted in your account): (1) when J.P. Morgan invests in an investment product, such as a mutual fund, structured product, separately managed account or hedge fund issued or managed by J.P. Morgan Chase Bank, N.A. or an affiliate, such as J.P. Morgan Investment Management Inc.; (2) when a J.P. Morgan entity obtains services, including trade execution and trade clearing, from an affiliate; (3) when J.P. Morgan receives payment as a result of purchasing an investment product for a client's account; or (4) when J.P. Morgan receives payment for providing services (including shareholder servicing, recordkeeping or custody) with respect to investment products purchased for a client's portfolio. Other conflicts will result because of relationships that J.P. Morgan has with other clients or when J.P. Morgan acts for its own account. Investment strategies are selected from both J.P. Morgan and third-party asset managers and are subject to a review process by our manager research teams. From this pool of strategies, our portfolio construction teams select those strategies we believe fit our asset allocation goals and forward-looking views in order to meet the portfolio's investment objective. As a general matter, we prefer J.P. Morgan managed strategies. We expect the proportion of J.P. Morgan managed strategies will be high (in fact, up to 100 percent) in strategies such as, for example, cash and high-quality fixed income, subject to applicable law and any account-specific considerations. While our internally managed strategies generally align well with our forward-looking views, and we are familiar with the investment processes as well as the risk and compliance philosophy of the firm, it is important to note that J.P. Morgan receives more overall fees when internally managed strategies are included. We offer the option of choosing to exclude J.P. Morgan managed strategies (other than cash and liquidity products) in certain portfolios). The Six Circles Funds are U.S.-registered mutual funds managed by J.P. Morgan and sub-advised by third parties. Although considered internally managed strategies, JPMC does not retain a fee for fun management of other fund services.

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