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Chase Private Client | Chase

LEARN MORE ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.

To learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS and Guide to Investment Services and Brokerage Products.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance is not a guarantee of future results.

Asset allocation/diversification does not guarantee a profit or protect against a loss.

JPMORGAN CHASE AND ITS AFFILIATES DO NOT PROVIDE TAX, LEGAL OR ACCOUNTING ADVICE. THIS MATERIAL HAS BEEN PREPARED FOR INFORMATIONAL PURPOSES ONLY, AND IS NOT INTENDED TO PROVIDE, AND SHOULD NOT BE RELIED ON FOR, TAX, LEGAL OR ACCOUNTING ADVICE. YOU SHOULD CONSULT YOUR OWN TAX, LEGAL AND ACCOUNTING ADVISORS BEFORE ENGAGING IN ANY TRANSACTION.

See Deposit Account Agreement (PDF) and Deposit Products & Services (PDF) for more information. Speak with a banker for current interest rates.

“Chase Private Client” is the brand name for a banking and investment product and service offering.

Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.

Qualifying personal and business deposit accounts you own include Chase personal checking and savings accounts,  CDs, Chase business checking and savings accounts (balances in attorney trust accounts, client fund trust accounts, and Government or Non-Profit accounts do not qualify), or certain investment management fiduciary and custody accounts, certain Chase Retirement CDs, or certain Chase Retirement Money Market accounts.

Qualifying personal investments include balances in investment and annuity products offered by JPMorgan Chase & Co. or its affiliates and agencies. Balances in 529 plans and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.

Investment products and services are offered through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member of FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMS, CIA and JPMorgan Chase Bank, N.A. are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

You Invest is a business of J.P. Morgan Securities LLC offering self-directed brokerage (You Invest Trade) and investment advisory services (You Invest Portfolios).

1 Chase Private Client is available to individuals who maintain an average daily balance of $250,000 or more in any combination of qualifying identified depositsa and investmentsb. If total balances in qualifying deposits and investments do not meet the Chase Private Client requirements, Chase may contact you to help determine an alternate Chase product.

a Qualifying personal and business deposit accounts you own include Chase personal checking and savings accounts, CDs, Chase business checking and savings accounts (balances in attorney trust accounts, client fund trust accounts, and Government or Non-Profit accounts do not qualify), or certain investment management fiduciary and custody accounts, certain Chase Retirement CDs, or certain Chase Retirement Money Market accounts.

b Qualifying personal investments include balances in investment and annuity products offered by JPMorgan Chase & Co. or its affiliates and agencies. Balances in 529 plans and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.

2 Other financial institutions and Chase may deduct fees and/or charges from the amount of the incoming wires, which will reduce the proceeds credited to your account. Any deductions taken by us may include processing fees charged by Chase.

3 For currencies other than U.S. dollars.

4 Your family members must be upgraded to a Chase Private Client account to receive product and rate privileges. Minors under the age of 18 cannot be owners of a Chase Private Client CheckingSM account and therefore cannot receive all the benefits of Chase Private Client.

5 Accounts subject to credit approval. Restrictions and limitations apply. Chase credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Offer subject to change. See associate for pricing and rewards details.

6 The Chase Mortgage Rate Program offers Chase Private Clients rate discounts of 0.125% for total deposits and investments in personal accounts of $250,000 – $999,999 or 0.25% for $1,000,000+ for purchase and refinance transactions. These discounts apply to the full spectrum of residential mortgage types, including fixed- and adjustable-rate products for jumbo and conforming mortgages. For fixed-rate mortgages the Private Client Mortgage Rate Program discount is for the life of the loan and until the first adjustment on adjustable-rate mortgages (ARM).

For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR may increase after the loan consummation. The mortgage rate disclosed at the time of the application will be based on current eligible banking and investment balances held by the customer(s) at JPMorgan Chase excluding any funds associated with the mortgage, such as down payment or closing costs.

JPMorgan Chase does not require that customers structure or hold their balances in any particular type of account in order to qualify for a loan or the Private Client Mortgage Rate Program, nor does JPMorgan Chase require customers to purchase any nontraditional banking products or services (such as brokerage accounts) from affiliates like J.P. Morgan Securities LLC. Personal banking and investment balances will be used to determine the appropriate mortgage rate discounts. Business accounts do not qualify for mortgage rate discounts.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

7 AUTO PURCHASE: As a Chase Private Client, you receive a rate discount of 0.25% off standard auto loan rates through Chase Auto, available for chase.com applications only. Not available for applications submitted to a dealer. Rate discounts are subject to change at any time. To finance a new or used car with Chase Auto you must purchase your car from a dealer in the Chase network. All applications are subject to credit approval by JPMorgan Chase Bank, N.A. (“Chase”). The dealer will be the original creditor and assign the financing to Chase. Additional terms and conditions apply, such as vehicle make, age and mileage. 

AUTO REFINANCE: As a Chase Private Client, you receive a rate discount of up to 0.25% off standard auto loan rates, plus you get 0.25% off standard auto loan rates if you have a Chase personal checking account when you apply. Rate discounts are subject to change at any time. Refinancing is subject to credit approval by JPMorgan Chase Bank, N.A. (“Chase”). Rates will be determined at the time you apply based on application information. Additional terms and conditions apply such as vehicle age and mileage. If you decide to refinance with Chase, you may be able to lower your monthly loan payment or reduce your APR. However, if you choose a loan term that is longer than the term left in your existing auto loan, you will pay interest over a longer period of time, and the overall cost of your loan may be higher. Consult your financial advisor to see if refinancing a loan is right for you. 

8 Please note that assets used as collateral for a securities based line of credit are subject to liquidation to meet margin calls. Proceeds from a securities based line of credit cannot be used to purchase, carry, or trade securities.

9 The Customized Financial Analysis referenced is a tool that provides an additional resource in the evaluation of the potential risks and returns of investment choices. The projections or other information generated by the Customized Financial Analysis regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

10 Commission-free trades are limited to online transactions in U.S. listed stocks, exchange-traded funds (ETFs) and options. Options trades are subject to a $0.65 per-contract fee. Sales are subject to a regulatory transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning certain investments, including mutual funds and ETFs. All customers receive unlimited commission-free online trades for one year from account opening. Chase Private Client customers qualify for $0 commissions on all online U.S. listed stock, ETF and options trades. There are service fees or minimum qualifying deposit or investment balances for Premier Plus Checking, Sapphire Banking and Chase Private Client. The Private Bank and J.P. Morgan Securities businesses serve high-net-worth clients and also have investment or deposit eligibility requirements. Offer terms, relationship requirements and pricing are subject to change and/or termination without advance notice. Other fees and restrictions (including account types) apply. See youinvest.com/pricing for terms and conditions.

11 Options trading involves risk; is not suitable for all investors; and is subject to approval. Before buying and selling options, investors should understand all of their rights and obligations associated with trading options. For information about options trading, including the risks, please review the “Characteristics and Risks of Standardized Options”

You Invest is a business of J.P. Morgan Securities LLC offering self-directed brokerage (You Invest Trade) and investment advisory services (You Invest Portfolios).

Any testimonial presented is unpaid, may not be representative of the experience of other clients and is no guarantee of future performance or success.

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