J.P. Morgan Access

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For accounts held in Luxembourg J.P. Morgan Bank Luxembourg S.A. Registered address: European Bank and Business Centre, 6 route de Treves, L-2633, Senningerberg, Luxembourg Registration number: B 10958 J.P. Morgan Bank Luxembourg S.A. is incorporated under Luxembourg law and supervised by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg and the European Central Bank (ECB).

Notice regarding EU e-commerce information and UK Companies Act 2006 requirements

For services provided from the UK:
Rules and legislation in the UK implementing the European Union's Electronic Commerce Directive (the "E-Commerce Rules") require us to make certain disclosures to recipients of certain electronic communications and services provided from the UK. These disclosures are set out below.

The information set out below is given by JPMorgan Chase Bank, N.A. London Branch, in relation to all of the services within the scope of the E-Commerce Rules, which they may provide to you via J.P. Morgan Access^SM.

Company, place of registration and number	FSA Registration Number	UK Address	VAT Number

JPMorgan Chase Bank, N.A. London Branch - organized under the laws of U.S.A. with limited liability. Main Office 1111 Polaris Parkway, Columbus, Ohio 43240 - registered as a branch in England & Wales - branch number BR000746	124991	25 Bank Street, London, E14 5JP, UK	397 2498 93

Client Notice: Potential Impact on Payment, Clearing and Settlement Activity if JPMorgan Chase & Co. Experiences a Material Adverse Event The purpose of this advance notice is to inform our customers and account holders that JPMorgan Chase & Co.'s ability to provide certain payment, clearing and settlement ("PCS") services might be disrupted if we were to activate our "resolution plan" in connection with JPMorgan Chase & Co.'s material financial distress or failure. While it is unlikely that JPMorgan Chase & Co. will activate its resolution plan, it is important for you to consider the impact of such disruptions to your business operations in the event intraday credit lines are reduced, uncommitted intraday credit lines are adjusted downward or alternative contingency arrangements are invoked. As part of the 2019 resolution plan guidance from the Board of Governors of the Federal Reserve Bank (FRB) and the Federal Deposit Insurance Corporation (FDIC), JPMorgan Chase & Co. and other large financial institutions have been directed to provide advance communication to clients regarding the impact of potential disruptions of payment, clearing and settlement (PCS) services in a potential resolution plan scenario.[1] In such a scenario, JPMorgan Chase & Co. could face significant liquidity pressures and a heightened risk of being unable to fully fund PCS-related obligations for all our clients, which may result in a prioritization of PCS activities for our institutional clients. If JPMorgan Chase & Co. were to exercise our right to decrease or discontinue the provision of intraday credit for payment or settlement activity, you might need to prefund transactions. JPMorgan Chase & Co. has also analyzed possible alternative arrangements that would allow continuity of access to PCS Services in the unlikely event that JPMorgan Chase & Co.'s access to Financial Market Infrastructures (FMIs) or Agent Banks is disrupted. JPMorgan Chase & Co. will provide additional communication to our clients if JPMorgan Chase & Co.'s assessment of its potential access to FMIs and Agent Banks changes prior to and during resolution. In such a scenario, you may elect to either adjust your PCS activity with us or to plan for prefunding your accounts with JPMorgan Chase & Co. at the beginning of each day. This would ensure that your accounts have sufficient balances and avoid the need for intraday credit from JPMorgan Chase & Co. If you have any questions regarding this notice, please contact your JPMorgan Chase & Co. representative.

[1] Section 165(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act requires that certain bank holding companies, including JPMorgan Chase & Co., periodically submit a "resolution plan" to the Board of Governors of the Federal Reserve System (Federal Reserve) and the Federal Deposit Insurance Corporation (FDIC). Each resolution plan, commonly known as a living will, must describe the company's strategy for rapid and orderly resolution in the event of material financial distress or failure of the company, and include both public and confidential sections as well as consider alternative or contingency arrangements that would facilitate our customers' continued access to PCS services in the event of a disruption of our ability to provide PCS services. The resolution plan is not binding on a bankruptcy court or other resolution authority, and the failure scenarios and associated assumptions set forth in the resolution plan are hypothetical and do not necessarily reflect an event or events which JPMorgan Chase & Co. and its subsidiaries, including JPMorgan Chase Bank, N.A., are or may become subject. The public section to our resolution plan is available on the Federal Reserve and the FDIC's websites.

Notice to Clients of the Corporate & Investment Bank which are ERISA plans, plan fiduciaries or representatives, participants or beneficiaries, individualized retirement accounts (IRA) or IRA owners Unless otherwise specified, documents, materials or information found on public websites maintained by the J.P. Morgan Corporate & Investment Bank and/or the J.P. Morgan Commercial Bank, operating through JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC and other affiliates (collectively, the "J.P. Morgan Entities") are intended to be general communications or educational materials provided for informational purposes only, and examples used in such documents, materials or information are generic, hypothetical and for illustration purposes only. Such documents, materials or information are not directed to you as or designed to be a recommendation for any specific investment property, strategy, portfolio composition, persons to provide investment advisory or management services, or other similar purposes, and should not be understood to be based on your particular investment needs, and should not be construed as a suggestion by the J.P. Morgan Entities, its affiliates or representatives that the recipient or any other person take or refrain from taking a specific course of action or any action at all. Documents, materials or information provided in connection with sales and marketing activities of the J.P. Morgan Corporate & Investment Bank and/or the J.P. Morgan Commercial Bank are not impartial and are not intended to constitute advice given in a fiduciary capacity in connection with any transaction. Personnel of the J.P. Morgan Corporate & Investment Bank and/or the J.P. Morgan Commercial Bank are not authorized to provide investment recommendations or investment advice to you or enter into Transactions with you involving the giving of investment recommendations or investment advice other than on the basis of one or more exceptions available under 29 C.F.R. § 2510.3-21 (including the exception for transactions with independent fiduciaries with financial expertise). The receipt by you of any such documents, materials or information is subject to your agreement with and acknowledgement of the foregoing.

Changes to Interbank Offered Rates (IBORS) and other Benchmark Rates Changes to Interbank Offered Rates (IBORs) and other benchmark rates: Certain interest rate benchmarks are, or may in the future become, subject to ongoing international, national and other regulatory guidance, reform and proposals for reform. For more information, please consult: https://www.jpmorgan.com/IBOR.