Personal banking at J.P. Morgan

Personal banking at J.P.Morgan

Simplify your financial life with personal attention designed to help you manage your day-to-day financial life

A dedicated banking service team, along with your Financial Advisor, will handle all of your banking needs, from everyday transactions, such as paying bills or making deposits, to ensuring your daily cash management and liquidity requirements are met.

Signature attention At J.P. Morgan, we dedicate the same attention to your banking as we do to your investment and planning needs.

You can expect a streamlined account opening process and a distinctive, hightouch experience--including the assistance of a Banking Personal Assistant, who will help you smoothly transition your daily banking activities to J.P. Morgan.

Your team will help you with routine banking activities and special requests, from providing account balances to executing wires and handling foreign currency requests, according to your preferences and priorities.

Tailored products Traditional checking and savings products are designed specifically for high-networth individuals, with higher limits, no monthly maintenance, foreign transaction or ATM fees,1 and features such as an

automated cash sweep between savings and checking accounts to help you avoid overdrafts.2

Convenient account access Take care of your daily banking requirements at branches and ATMs in the nationwide Chase banking network. If you wish to visit a Chase location, your banking service team can notify the nearest location in advance to ensure that you receive priority attention.

Advanced technology Sophisticated online and mobile technology allows you to manage your cashflow exactly as you prefer--wherever and whenever you like. By enrolling in J.P. Morgan OnlineSM and downloading J.P. Morgan MobileSM, you have access to: ? J.P. Morgan QuickDepositSM--Securely

deposit checks into any J.P. Morgan account using the camera on your mobile smartphone or mobile device3

? J.P. Morgan QuickPaySM--Use text or email messages to send funds from your account to family and friends

Safety and security Your J.P. Morgan relationship is backed by the strength and stability of J.P. Morgan's fortress balance sheet. Your funds also are protected by the Federal Deposit Insurance Corporation (FDIC), up to the allowable limits.

For more information about personal banking services, please contact your J.P. Morgan Securities Financial Advisor.

1 Fees may be assessed by third-party institutions.

2 Savings accounts are subject to Federal Reserve Regulation D, which limits transfers and withdrawals to six per month or statement period. Transfers and withdrawals made in person at branches, at an ATM, through the mail or by messenger are exempt from this limit.

3 Mobile applications with interactive features available with iPhone?, iPod touch?, iPad? and AndroidTM phones.

SOLUTION

OVERVIEW

JPMorgan Classic Checking ? Noninterest bearing

JPMorgan Private Client ? Interest bearing Checking Plus

FEATURES

FEES

? No balance requirement

? Complimentary wire transfers, stop payments, personal check orders, travelers/official checks, and overdraft protection transfers (subject to credit approval)

? High purchase and withdrawal limits with a J.P. Morgan Debit Card

? Complimentary 3x5 safe deposit box4

? Complimentary foreign currency delivery

? Debit cards for authorized family/staff

? No monthly maintenance fees

? No fees for non-Chase ATM withdrawals

? ATM fees charged by other institutions are automatically refunded

? No foreign transaction fees on J.P. Morgan Debit Card purchases

JPMorgan Private Client ? Tiered interest rates

Savings

based on balances

? Complimentary wire transfers, stop payments, personal check orders, travelers/official checks, and overdraft protection transfers (subject to credit approval)

? No monthly maintenance fees

JPMorgan Private Client Savings Plus

? Select "minimum" and

"target" balances for checking account to avoid overdrafts5

? Cash balances earn a preferred rate when account is linked to an eligible and active J.P. Morgan checking account6

-- When funds in the checking account dip below the "minimum balance" level, the cash needed to restore the account to the agreedon "target" balance is automatically transferred in from your client's JPMorgan Private Client Savings Plus account

4 Subject to availability, complimentary safe deposit boxes are limited to the 3x5 option. A 20% discount is offered on other sizes. 5 Can select one of the following minimum balance/target balance thresholds:

Minimum Balance

Target Balance

$15K $25K $50K

$50K $100K $250K

6To earn preferred interest rates, the Private Client Savings account must be linked to a Private Client Checking Plus checking account that had at least five of any of the following types of client-initiated transactions within the monthly statement cycle: ACH, ATM, check, debit card point of sale, Internet, teller, wire transfer. The preferred interest rate will be applied to your savings account throughout the next statement period.

Bank products and services are offered by JPMorgan Chase Bank, N.A. and its affiliates.

Securities products and services are offered by J.P. Morgan Securities LLC, member FINRA and SIPC.

Investment Products: Not FDIC Insured ? No Bank Guarantee ? May Lose Value

JPMorgan Chase Bank, N.A. Member FDIC ? 2016 JPMorgan Chase & Co. All rights reserved.

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