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J.P. MORGAN PAYMENTS GENERAL DISCLAIMER





This material was prepared exclusively for the benefit and internal use of the
JPMorgan client to whom it is directly addressed (including such client’s
subsidiaries, the “Company”) in order to assist the Company in evaluating a
possible transaction(s) and does not carry any right of disclosure to any other
party.  In preparing this material, we have relied upon and assumed, without
independent verification, the accuracy and completeness of all information
available from public sources or which was provided to us by or on behalf of the
Company or which was otherwise reviewed by us.  This material is for discussion
purposes only and is incomplete without reference to the other briefings
provided by JPMorgan.  Neither this material nor any of its contents may be
disclosed or used for any other purpose without the prior written consent of
JPMorgan.


J.P. Morgan, JPMorgan, JPMorgan Chase, Chase, Chase Merchant Services, and Chase
Payment Solutions are marketing names for certain businesses of JPMorgan Chase &
Co. and its subsidiaries worldwide (collectively, “JPMC”). Products or services
may be marketed and/or provided by commercial banks such as JPMorgan Chase Bank,
N.A., securities or other non-banking affiliates or other JPMC entities.  JPMC
contact persons may be employees or officers of any of the foregoing entities
and the terms  “J.P. Morgan”, “JPMorgan”,  “JPMorgan Chase”, “Chase”, “Chase
Merchant Services” and “Chase Payment Solutions”  if and as used herein include
as applicable all such employees or officers and/or entities irrespective of
marketing name(s) used.  Nothing in this material is a solicitation by JPMC of
any product or service which would be unlawful under applicable laws or
regulations. 


Investments or strategies discussed herein may not be suitable for all
investors. Neither JPMorgan nor any of its directors, officers, employees or
agents shall incur in any responsibility or liability whatsoever to the Company
or any other party with respect to the contents of any matters referred herein,
or discussed as a result of, this material. This material is not intended to
provide, and should not be relied on for, accounting, legal or tax advice or
investment recommendations.  Please consult your own tax, legal, accounting or
investment advisor concerning such matters.


Not all products and services are available in all geographic areas. Eligibility
for particular products and services is subject to final determination by JPMC
and or its affiliates.  This material does not constitute a commitment by any
JPMC entity to extend or arrange credit or to provide any other products or
services and JPMorgan reserves the right to withdraw at any time. All products
and services are subject to applicable laws, regulations, and applicable
approvals and notifications. The Company should examine the specific
restrictions and limitations under the laws of its own jurisdiction that may be
applicable to the Company due to its nature or to the products and services
referred herein.


Any mentions of third-party trademarks, brand names, products and services are
for referential purposes only and any mention thereof is not meant to imply any
sponsorship, endorsement, or affiliation.


Notwithstanding anything to the contrary, the statements in this material are
not intended to be legally binding. Any products, services, terms or other
matters described herein (other than in respect of confidentiality) are subject
to, and superseded by, the terms of separate legally binding documentation
and/or are subject to change without notice.


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/global/disclosures/interbank_offered_rates.


JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are
not FDIC insured.


JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited
liability.


© 2022 JPMorgan Chase & Co.  All Rights Reserved.

 

For InstaMed, the following disclaimer will apply:

https://www.jpmorgan.com/disclosures/payments/instamed

 

Additional Country-specific Disclosures

Brazil:

Ombudsman J.P. Morgan: 0800-7700847/ouvidoria.jp.morgan@jpmorgan.com


Canada:

Deposits with JPMorgan Chase Bank, N.A., Toronto Branch, are not insured by the
Canada Deposit Insurance Corporation.


Mainland China:

Products or services may be marketed and/or provided by commercial banks such as
JPMorgan Chase Bank, N.A., securities or other non-banking affiliates or other
JPMC entities, and such affiliate or entity may or may not be the JPMC entity
operating and regulated in your jurisdiction locally.


France:

JPMorgan Chase Bank, N.A., Paris Branch is authorized and regulated by the
Autorité des Marchés Financiers (AMF) and Autorité de Contrôle Prudentiel et de
Résolution (ACPR)


Germany:

J.P. Morgan SE is authorised as a credit institution by the Federal Financial
Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin)
and jointly supervised by the BaFin, the German Central Bank (Deutsche
Bundesbank) and the European Central Bank (ECB)


Ireland:

J.P. Morgan SE is authorised as a credit institution by the Federal Financial
Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin)
and is jointly supervised by the BaFin, the German Central Bank (Deutsche
Bundesbank) and the European Central Bank (ECB). J.P. Morgan SE – Dublin Branch
is also supervised by the Central Bank of Ireland


Ireland (Merchant Services):

Chase Paymentech Europe Limited trading as J.P. Morgan is regulated by the
Central Bank of Ireland.  Registered Office: J.P. Morgan, 200 Capital Dock, 79
Sir John Rogerson’s Quay, Dublin 2, D02 RK57, Ireland.  Registered in Ireland
with the CRO under the Registration No: 474128 Directors: Dara Quinn,  Eilish
Finan, John Skinner (UK), Alison Livesey (UK), Basil Bailey


J.P. Morgan Wholesale Payments Europe Limited, trading as J.P. Morgan is
regulated by the Central Bank of Ireland. Registered Office: J.P. Morgan, 200
Capital Dock, 79 Sir John Rogerson’s Quay, Dublin 2, D02 RK57, Ireland. 
Registered in Ireland with the CRO under the Registration No: 647275. 
Directors: Dara Quinn, James Crotty, Nigel Collett (UK), Russell Goring (UK),
Basil Bailey


Italy:

JPMorgan Chase Bank N.A., è una banca con sede legale a 1111 Polaris Parkway,
Columbus, Ohio 43240 USA ed autorizzata dall’Office of the Comptroller of the
Currency ed è sottoposta alla Vigilanza del Board of Governors of the Federal
Reserve System. In Italia è autorizzata e vigilata dalla Banca d’Italia ed opera
tramite la succursale con sede a Milano 20121, Via Cordusio 3. Iscritta all’Albo
delle Banche al n. 5335



Luxembourg:


J.P. Morgan SE – Luxembourg Branch
European Bank & Business Centre, 6 route de Trèves, L-2633, Senningerberg,
Luxembourg R.C.S Luxembourg B255938 • SWIFT BIC CHASLULX


J.P. Morgan SE is authorised as a credit institution by the Federal Financial
Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin)
and is jointly supervised by the BaFin, the German Central Bank (Deutsche
Bundesbank) and the European Central Bank (ECB). J.P. Morgan SE – Luxembourg
Branch is also supervised by the Commission for the Supervision of the Financial
Sector (Commission de Surveillance du Secteur Financier, CSSF)


J.P. Morgan SE is authorised as a credit institution by the Federal Financial
Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin)
and is jointly supervised by the BaFin, the German Central Bank (Deutsche
Bundesbank) and the European Central Bank (ECB). J.P. Morgan SE – Amsterdam
Branch is also supervised by the Dutch National Bank (De Nederlandsche Bank or
'DNB') and the Autoriteit Financiële Markten (Authority for the Financial
Markets or AFM)


Russia:

“J.P. Morgan Bank International” (LLC) is regulated by the Central Bank of
Russia


South Africa:

JPMorgan Chase Bank, N.A., Johannesburg Branch is an Authorized Financial
Services Provider (FSP No. 7795)


Spain:

JPMorgan Chase Bank, N.A., Sucursal en España Paseo de la Castellana nº 31 -
28046 Madrid. Organised under the laws of U.S.A. with limited liability. Main
Office 1111 Polaris Parkway, Columbus, Ohio 43240


Registered in Registro Mercantil de Madrid, Hoja 53.698, Folio 65, Tomo 3.143,
Sección 8ª. Tax ID Number: W-4001407. Authorised by Bank of Spain, under
registry number 0151


United Kingdom:


JPMorgan Chase Bank, N.A. at its London Branch is a bank authorised and subject
to supervision and regulation by the Office of the Comptroller of the Currency,
and is also supervised and regulated with respect to certain matters by the
Board of Governors of the Federal Reserve System, each in the jurisdiction of
the United States of America. Authorised by the Prudential Regulation Authority.
Subject to regulation by the Financial Conduct Authority and limited regulation
by the Prudential Regulation Authority. Details about the extent of our
regulation by the Prudential Regulation Authority are available from us on
request. (Firm Reference Number: 124491)


EXONÉRATION GÉNÉRALE RELATIVE AUX PAIEMENTS DE J.P. MORGAN

Le présent document a été préparé exclusivement à l’intention et à l’utilisation
interne du client de JPMorgan auquel il est directement adressé (y compris les
filiales de ce client, la « Société ») afin d’aider la Société à évaluer une ou
des opérations possibles et il ne comporte aucun droit de communication à un
tiers. Dans le cadre de la préparation du présent document, nous nous sommes
fiés, sans vérification indépendante, à l’ensemble des renseignements provenant
de sources publiques ou qui nous ont été fournis par la Société ou pour son
compte ou que nous avons examinés par ailleurs, et nous avons tenu pour acquis
qu’ils étaient exacts et complets. Le présent document est pour fins de
discussion seulement et est incomplet sans les autres instructions fournies par
JPMorgan. Ni le présent document ni son contenu ne peuvent être communiqués ou
utilisés à toute autre fin sans le consentement préalable écrit de JPMorgan.


J.P. Morgan, JPMorgan, JPMorgan Chase, Chase, Chase Merchant Services/Services
aux commerçants Chase et Chase Payment Solutions sont des noms commerciaux pour
certaines entreprises de JPMorgan Chase & Co. et de ses filiales à l’échelle
mondiale (collectivement, « JPMC »). Les produits ou les services peuvent être
commercialisés et/ou fournis par des banques commerciales comme JPMorgan Chase
Bank, N.A., des membres du groupe offrant des valeurs mobilières ou d’autres
services non bancaires ou autres entités de JPMC. Les personnes-ressources de
JPMC peuvent être des employés ou des dirigeants de l’une des entités
susmentionnées et les termes « J.P. Morgan », « JPMorgan », « JPMorgan Chase »,
« Chase », « Chase Merchant Services », « Services aux commerçants Chase » et
« Chase Payment Solutions » lorsqu’ils sont utilisés dans les présentes
incluent, selon le cas, l’ensemble de ces employés ou dirigeants et/ou entités
quels que soient le ou les noms commerciaux utilisés. Aucune disposition du
présent document ne constitue une sollicitation par JPMC d’un produit ou d’un
service qui serait illégal aux termes des lois ou des règlements applicables.


Les placements ou les stratégies mentionnés dans les présentes ne conviennent
pas nécessairement à tous les investisseurs. Ni JPMorgan ni aucun de ses
administrateurs, dirigeants, employés ou mandataires n’engagent de
responsabilité de quelque nature que ce soit envers la Société ou un tiers à
l’égard du contenu des questions mentionnées dans les présentes ou soulevées en
raison du présent document. Le présent document ne vise pas à constituer des
conseils comptables, juridiques ou fiscaux ni des recommandations en matière de
placement et ne devrait pas être interprété comme tel. Veuillez consulter votre
propre conseiller fiscal, juridique ou comptable ou conseiller en placement
concernant ces questions.


Les produits et services ne sont pas tous offerts dans toutes les zones
géographiques. L’admissibilité de produits et de services donnés est soumise à
la décision finale de JPMC et/ou des membres de son groupe. Le présent document
ne constitue pas un engagement d’une entité de JPMC de consentir ou d’accorder
un crédit ni de fournir tous autres produits ou services et JPMorgan se réserve
le droit de les retirer en tout temps. Tous les produits et services sont soumis
aux lois et aux règlements applicables ainsi qu'aux approbations et avis
applicables. La Société devrait examiner les restrictions et limites
particulières aux termes des lois de son propre territoire qui peuvent
s’appliquer à la Société en raison de sa nature ou des produits et services
mentionnés aux présentes.


Les mentions de marques de commerce, de noms de marque, de produits et de
services de tiers servent de référence uniquement et toute mention de ceux-ci ne
laisse pas supposer un parrainage ou une affiliation.


Malgré toute indication contraire, les déclarations figurant dans le présent
document ne se veulent pas juridiquement contraignantes. Les produits, les
services, les modalités ou les autres questions décrits dans les présentes (sauf
à l’égard de la confidentialité) sont assujettis aux modalités de documents
distincts juridiquement contraignants et remplacés par celles-ci et/ou peuvent
être modifiés sans préavis.


Modifications des taux interbancaires offerts (IBOR) et d’autres taux de
référence : Certains taux d’intérêt de référence font l’objet, ou pourraient
dans le futur faire l’objet, de lignes directrices, de réformes et de
propositions en matière de réforme des autorités de réglementation, notamment
internationales et nationales en vigueur. Pour plus de renseignements, veuillez
consulter le site : 
https://www.jpmorgan.com/global/disclosures/interbank_offered_rates.


JPMorgan Chase Bank, N.A. Membre FDIC. Les dépôts détenus dans les succursales
non américaines ne sont pas assurés par la FDIC.


JPMorgan Chase Bank, N.A., constituée sous le régime des lois des États-Unis
avec responsabilité limitée.


© JPMorgan Chase & Co. 2022 Tous droits réservés.

 

Pour InstaMed, l’exonération suivante s’appliquera :

https://www.jpmorgan.com/disclosures/payments/instamed

 

Avis supplémentaires selon les pays

Brésil :

Ombudsman J.P. Morgan : 0800-7700847/ouvidoria.jp.morgan@jpmorgan.com


Canada :

Les dépôts auprès de JPMorgan Chase Bank, N.A., succursale de Toronto, ne sont
pas assurés par la Société d’assurance-dépôts du Canada.


Chine continentale :

Les produits ou les services peuvent être commercialisés et/ou fournis par des
banques commerciales comme JPMorgan Chase Bank, N.A., des membres du groupe
offrant des valeurs mobilières ou d’autres services non bancaires ou autres
entités de JPMC, et ce membre du groupe ou cette entité peut ou non être
l’entité de JPMC en exploitation et réglementée à l’échelle locale dans votre
territoire.


France :

JPMorgan Chase Bank, N.A., succursale de Paris est autorisée et réglementée par
l’Autorité des marchés financiers (AMF) et l’Autorité de contrôle prudentiel et
de résolution (ACPR).


Allemagne :

J.P. Morgan SE est autorisée à titre d’institution de crédit par l’autorité
fédérale de supervision financière (Bundesanstalt für
Finanzdienstleistungsaufsicht, BaFin) et est supervisée conjointement par la
BaFin, la banque centrale d’Allemagne (Deutsche Bundesbank) et la Banque
centrale européenne (BCE).


Irlande :

J.P. Morgan SE est autorisée à titre d’institution de crédit par l’autorité
fédérale de supervision financière (Bundesanstalt für
Finanzdienstleistungsaufsicht, BaFin) et est supervisée conjointement par la
BaFin, la banque centrale d’Allemagne (Deutsche Bundesbank) et la Banque
centrale européenne (BCE). J.P. Morgan SE – succursale de Dublin est également
supervisée par la Central Bank of Ireland.


Irlande (Merchant Services/Services aux commerçants) :

Chase Paymentech Europe Limited, exerçant sous la dénomination J.P. Morgan est
réglementée par la Central Bank of Ireland. Siège social : J.P. Morgan, 200
Capital Dock, 79 Sir John Rogerson’s Quay, Dublin 2, D02 RK57, Ireland.
Immatriculée en Irlande auprès de CRO sous le no d’immatriculation : 474128
Administrateurs : Dara Quinn, Eilish Finan, John Skinner (R.-U.), Alison Livesey
(R.-U.), Basil Bailey


J.P. Morgan Wholesale Payments Europe Limited, exerçant sous la dénomination
J.P. Morgan est réglementée par la Central Bank of Ireland. Siège social :
J.P. Morgan, 200 Capital Dock, 79 Sir John Rogerson’s Quay, Dublin 2, D02 RK57,
Ireland. Immatriculée en Irlande auprès de CRO sous le no d’immatriculation :
647275. Administrateurs : Dara Quinn, James Crotty, Nigel Collett (R.-U.),
Russell Goring (R.-U.), Basil Bailey


Italie :

JPMorgan Chase Bank N.A., è una banca con sede legale a 1111 Polaris Parkway,
Columbus, Ohio 43240 USA ed autorizzata dall’Office of the Comptroller of the
Currency ed è sottoposta alla Vigilanza del Board of Governors of the Federal
Reserve System. In Italia è autorizzata e vigilata dalla Banca d’Italia ed opera
tramite la succursale con sede a Milano 20121, Via Cordusio 3. Iscritta all’Albo
delle Banche al n. 5335



Luxembourg :

J.P. Morgan SE – succursale de Luxembourg


European Bank & Business Centre, 6 route de Trèves, L-2633, Senningerberg,
Luxembourg R.C.S Luxembourg B255938 • SWIFT BIC CHASLULX


J.P. Morgan SE est autorisée à titre d’institution de crédit par l’autorité
fédérale de supervision financière (Bundesanstalt für
Finanzdienstleistungsaufsicht, BaFin) et est supervisée conjointement par la
BaFin, la banque centrale d’Allemagne (Deutsche Bundesbank) et la Banque
centrale européenne (BCE). J.P. Morgan SE – succursale de Luxembourg est
également supervisée par la Commission de Surveillance du Secteur Financier
(CSSF).


J.P. Morgan SE est autorisée à titre d’institution de crédit par l’autorité
fédérale de supervision financière (Bundesanstalt für
Finanzdienstleistungsaufsicht, BaFin) et est supervisée conjointement par la
BaFin, la banque centrale d’Allemagne (Deutsche Bundesbank) et la Banque
centrale européenne (BCE). J.P. Morgan SE – succursale d’Amsterdam est également
supervisée par la banque nationale des Pays-Bas (De Nederlandsche Bank ou
« DNB ») et l’Autoriteit Financiële Markten (Authority for the Financial Markets
ou AFM).


Russie :

J.P. Morgan Bank International (LLC) est réglementée par la banque centrale de
Russie.


Afrique du Sud :

JPMorgan Chase Bank, N.A., succursale de Johannesburg est un fournisseur de
services financiers autorisé (Authorized Financial Services Provider) (FSP No.
7795)


Espagne :

JPMorgan Chase Bank, N.A., Sucursal en España Paseo de la Castellana nº 31 -
28046 Madrid. Constituée sous le régime des lois des États-Unis avec
responsabilité limitée. Main Office 1111 Polaris Parkway, Columbus, Ohio 43240


Registered in Registro Mercantil de Madrid, Hoja 53.698, Folio 65, Tomo 3.143,
Sección 8ª. Tax ID Number: W-4001407. Autorisée par la banque d’Espagne sous le
numéro d’enregistrement 0151


Royaume-Uni :

JPMorgan Chase Bank, N.A., succursale de Londres est une banque autorisée,
supervisée et réglementée par l’Office of the Comptroller of the Currency, et
est également supervisée et réglementée à l’égard de certaines questions par le
Board of Governors du Federal Reserve System, dans le territoire des États-Unis
d’Amérique. Autorisée par la Prudential Regulation Authority. Assujettie à la
réglementation de la Financial Conduct Authority et à la réglementation limitée
de la Prudential Regulation Authority. Des renseignements sur l’étendue de notre
réglementation de la Prudential Regulation Authority peuvent être obtenus auprès
de nous sur demande. (Numéro de référence : 124491)



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and security policies to see how they apply to you. J.P. Morgan isn’t
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