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CHASE 0 Overdraft and Overdraft Fee Infatuation for Your Chase Checking Account August 30, 2014 through Sqltember 30. 2014 Primary Account' What You Need to Know About Overdrafts and Overdraft Fan An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway We can cover your overdrafts in two different ways. I. We have standard overdraft practices that come with your account 2 We also offer overdraft protozoon plans, such as a link to a Chase savings or credit card account. which may he leas amnia than our standard overdraft practices. To lean more. ask us about these plans This nonce explains our standard overdraft practices. What are the standard overdraft practices that come w nth my account' We do author, im and poy overdrafts for the following types of transactions Chocks and other transactions made using your checking account number Recurring debit cad transactions We do not authorize and pa)• overdrafts for the following types of transactions. unless you ask us to (ace Deka) Evayday debit card transactions We pay overdrafts at our discretion, which means we do not guarantee that we will always authonze and pay any type of transaction. If we do not authorize and pay an overdraft, your ulna/non will be declined. What fors will] be charged if Chase pays toy overdraft' Under our standard overdraft practices We will charge you an Insufficient Funds Fa of 534 each time we pay an overdraft, unless your account is overdrawn by 55 or less or if your account is overdrawn by any item that is 55 or less We won t charge you more than three Insuffidau Funds Fees per day Also, each tune your account is overdrawn Ice fie consecutive busman days, we will charge you an additional $15 FAiended Overdraft Fee What if I want Chase to authorize and pay overdrafts on my everyday debit cad transactions/ If you do want us to authorize and pay overdrafts on everyday debit card transactions, visit chase caticoverage. van any Chase branch and talk to one of our bankers. or call in at 1-800.935.9935. Page oth Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00054132 SDNY_GM_00323330 EFTA01525562