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Submission: On December 22 via manual from IN — Scanned from DE

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J.P.MORGAN ACCESS® SECURITY CENTER

At J.P. Morgan, we are serious about protecting your personal and account
information. It is also necessary for you to protect yourself when you use your
computer or conduct business online. Protecting yourself online starts with
knowing how to prevent cyber fraud.




HOW TO PROTECT YOURSELF AGAINST CYBER FRAUD

To help prevent cyber fraud, be aware of potential external threats and leverage
the security features and functionality available to you.



You should never:

 * Open emails, launch links or open attachments from unknown sources
 * Click on links in emails and pop-up messages
 * Update payment information based on an email or other message without
   confirming the change with a known contact at your vendor or beneficiary
 * Share your user ID, password, secure token device or the answers to your
   security questions with anyone
 * Leave written notes with your log-in credentials nearby your computer or in
   an easy-to-find place where they can be viewed by others
 * Leave inactive user profiles online
 * Allow multiple people to use the same computer to process a transaction

Do not respond or reply to an email, phone call or text message that:

 * Requires you to supply personal or account information (such as a user ID,
   password, or account numbers) directly in the email, non-secure webpage or
   text message
 * Threatens to close or suspend your account if you do not take immediate
   action
 * Invites you to answer a survey that asks you to enter personal or account
   information
 * States your account has been compromised, there are unauthorized charges on
   your account, or there has been third-party activity on your account, and
   then asks you to provide or confirm your personal or account information
 * Asks another user to log on from your computer
 * Asks you to confirm, verify or refresh your account, password or billing
   information

Do:

 * Pay special attention to links and attachments
 * Always log off at the end of a session
 * Forward suspicious emails that appear to come from Chase or J.P. Morgan to
   phishing@jpmchase.com
 * Call your J.P. Morgan Access Help Desk or Support team immediately if
   repeatedly prompted for login information
 * Go paperless so that statements with critical account information aren’t
   sitting around in the office or in the trash
 * Sign up for alerts to monitor account activity and review alerts whenever a
   payment is made or changed
 * Keep anti-virus software up to date and use current versions of web browsers
 * Set payment limits at a level reasonable for your typical activity and call
   us to arrange any exceptionally large payments
 * Regularly review and confirm the entitlements of your users
 * Regularly check your account activity for any suspicious transactions and
   contact us immediately about any suspicious or erroneous wires
 * Complete our Cyber Fraud & Secure Online Banking overview


If you become suspicious after sending a wire transfer, immediately contact your
respective Help Desk or Support team of your platform.

Reminder: It is NOT our practice to:

 * Send emails that require you to enter personal security information directly
   into the email
 * Send emails threatening to close your account if you do not take the
   immediate action of providing personal or business information
 * Send emails asking you to reply by sending personal or business information
 * Share your name with any contacts outside our firm in a manner inconsistent
   with our privacy policy
   
   


HOW TO PROTECT YOURSELF AGAINST MALWARE AND SOCIAL ENGINEERING ATTACKS

J.P. Morgan has received reports of fraudsters successfully installing on
clients’ computers malware that requests the user to make multiple login
attempts, enter token codes multiple times as part of the login, or asks the
user to have someone else login from their machine. Many varieties of malware
(such as computer viruses, worms, Trojan horses, spyware, dishonest adware, and
other malicious and unwanted software) are specifically focused on obtaining
financial credentials and are often customized for specific individuals.

Reminder: We will never request that another user attempt to log on from your
computer or ask you to enter multiple token codes as part of the log on process.

Please take the time to review the information on Malware and Social Engineering
Attacks




WHAT TO DO IF YOU SUSPECT FRAUD OR A CYBER SECURITY ATTACK

 * Call your J.P. Morgan Access Help Desk or Support team immediately
 * You should also contact your Security Administrator to inactivate your ID if
   you believe you might have inadvertently compromised your user ID


FURTHER INFORMATION


ONLINE SAFETY TIPS

At J.P. Morgan, we use a variety of technologies and techniques to help protect
the security of our products and services. It’s also necessary for you to
protect yourself when you use your computer or conduct business online.

Here are some of the steps you can take:


COMPUTER SECURITY

 * Beware of emails you receive from senders you don’t know. Don’t open any
   email attachments or click on links until you have verified the sender
 * Control physical access to your computer:
   * Log off or lock your workstation whenever you leave your computer
   * Do not leave your computer and digital media in unsecured locations
 * Select passwords that are difficult for others to guess
 * Tips for password safety:
   * Change passwords frequently
   * Use different passwords for different websites
   * Do not base passwords on any personal information, such as your user ID,
     birthday, telephone number or other personal information that is easily
     guessed
   * Do not give your passwords to anyone
   * Do not save passwords on your computer
   * Do not leave written notes with your password near your machine or in an
     easy-to-find place
 * Never install software unless you are authorized  and/or know the source
 * Do NOT open junk, spam, chain mail or other suspicious email—DELETE
   immediately
 * Use only trusted devices for online banking activities
 * Be sure to use only software supported by J.P. Morgan. Please contact your
   J.P. Morgan Access Help Desk or Support team for more information
 * When you access a system, check your “last login date/time” periodically to
   see if your ID is being used by someone else
 * Check your web session is secure by looking for the letters “https://” at the
   beginning of the website URL, which means that the web connection is secure
 * If you notice suspicious activity relating to J.P. Morgan accounts you access
   online, promptly contact your J.P. Morgan representative or your J.P. Morgan
   Access Help Desk or Support team

J.P. Morgan offers the following resources to help you understand security
best-practices.

GENERAL REFERENCE

J.P. Morgan Payments Fraud Protection
Knowledge and awareness are the strongest defense against fraud scams. Learn how
to identify and prevent fraud at your company.

AFP Payments Fraud & Control Survey
Learn what your colleagues are saying and doing about payments fraud. Read the
results of the 2014 AFP Payments Fraud & Control Survey.

THIRD-PARTY WEBSITES

OnGuard Online
Practical tips from the federal government and the technology industry to help
you secure your computer, be on guard against Internet fraud and protect your
personal information.

Federal Trade Commission (FTC)
Learn about the appropriate steps to take to prevent and protect against
identity theft.

American Bankers Association
Cyber security is more important than ever for users of online banking, both
personally and at work. Visit this site to learn more about the best practices
and current news relating to online security.

--------------------------------------------------------------------------------


HOW WE PROTECT YOUR ONLINE SECURITY


INTERNET BANKING SERVICES

J.P. Morgan is serious about safeguarding your online business information and
provides “defense in depth” for online websites. Key features of risk management
for online system access include:

 * Secure customer and user on-boarding processes
 * Controlled user access with “separation of duties”
 * Multi-factor user authentication security
 * Increased security credential requirements for more sensitive functionalities
   
   


ADDITIONAL SECURITY ELEMENTS

Additional detailed security features include:

 * Session inactivity timeout
 * Required password changes
 * Automated user ID inactivation for unused IDs
 * User education
 * Alerts
 * Blocking of unsupported operating systems and browsers
   
   


J.P. MORGAN ENVIRONMENT

J.P. Morgan uses secured facilities in support of online banking operations. Key
features include:

 * Secured data centers
 * Network firewalls
 * Intrusion detection
 * Network and system monitoring
 * Disaster recovery with rapid-response capabilities
 * Rigorous change management
 * Penetration testing
 * Computer incident response team
   
   


WEBLINKING PRACTICES (LINKS TO THIRD-PARTY SITES)

J.P. Morgan may provide a hyperlink to information, products or services offered
on websites that are owned or operated by other companies (third-party
websites). J.P. Morgan does not endorse, approve or guarantee information,
products, services or recommendations provided at a third-party website. J.P.
Morgan shall not be responsible for any loss or damage resulting from the use of
a link on its websites, nor will it be liable for any products or services
advertised or provided on these linked sites.




HERE ARE SOME TIPS TO HELP YOU TELL IF YOU HAVE LEFT A J.P. MORGAN WEBSITE:

 * Instead of a J.P. Morgan address, the URL of the linked website appears in
   the location box (or address field) of your web browser
 * The linked website may appear in a new browser window. The appearance of the
   linked site, including its colors and graphic design, is different from the
   J.P. Morgan site

--------------------------------------------------------------------------------


TYPES OF CYBER FRAUD

Criminals and scammers use a variety of methods to obtain your personal or
organizational information. These include:




EMAIL FRAUD

Email fraud is usually harsh, demanding and threatening. Please remember these
are not legitimate messages; Do NOT reply to these messages.

Email spoofing: Forging an email header so that the message appears to have
originated from someone or somewhere other than the actual source. Although most
spoofed emails fall into the “nuisance” category and requires little action
other than deletion, the more malicious varieties can cause security risks and
other problems. For example, spoofed emails may purport to be from someone
within your company or a vendor with which your company has a relationship.
These emails may contain new payment instructions or changes to the beneficiary
account on a recurring payment.

 * Be very suspicious of emails from the CEO, Director, etc. that direct you to
   transfer a large amount of funds
 * Verify all instructions verbally with the sender

Phishing: When criminals use email to try to lure you to fake websites, where
you are asked to disclose confidential financial and/or personal information.

How to recognize common Phishing tactics:

 * You do not recognize the “From” email address as valid
 * The email requests you to verify your account/personal information (account
   number, user ID, password, etc.)
 * A hyperlink within the email address does not display the actual address
 * The email conveys a sense of urgency or threatens some dire consequence if
   you do not respond

Never respond to any email that:

 * Requires you to click a link, open an attachment, confirm, verify or refresh
   account information
 * Asks for personal or organizational information
 * Asks you to enter your user ID, password or account number(s) into an email
   or non-secure webpage
 * Threatens to close or suspend your account if you do not take immediate
   action by providing specific information about you or your company
   
   


IMPERSONATION FRAUD

Occurs when someone assumes your identity to perform a fraud or other criminal
act. Criminals can get the information they need to assume your identity from a
variety of sources, such as the theft of your wallet, your trash or from credit
or bank information. They may approach you in person, by telephone, text message
or on the Internet and ask you for the information.

Remember:

 * J.P. Morgan will not send email notifications stating your account has been
   compromised or passwords need to be changed
 * J.P. Morgan will never ask you for your password
 * We will never call you to offer login assistance unless you have contacted us
   first
 * When you call J.P. Morgan, only call your J.P. Morgan Access Help Desk or
   Support team or your J.P. Morgan representative

--------------------------------------------------------------------------------


ADDITIONAL SECURITY RESOURCES

J.P. Morgan offers the following resources to help you understand security
best-practices.




GENERAL REFERENCE

J.P. Morgan Payments Fraud Protection

Knowledge and awareness are the strongest defense against fraud scams. Learn how
to identify and prevent fraud at your company.

AFP Payments Fraud & Control Survey

Learn what your colleagues are saying and doing about payments fraud. Read the
results of the 2021 AFP Payments Fraud & Control Survey.




THIRD-PARTY WEBSITES

Disclaimer: Each of the links below will take you to an external website.  J.P.
Morgan’s website terms, privacy and security policies will not apply. J.P.
Morgan is not responsible for any products, services or content at these
third-party sites.

OnGuard Online

Practical tips from the federal government and the technology industry to help
you secure your computer, be on guard against Internet fraud and protect your
personal information.

Federal Trade Commission (FTC)

Learn about the appropriate steps to take to prevent and protect against
identity theft.

American Bankers Association

Cyber security is more important than ever for users of online banking, both
personally and at work. Visit this site to learn more about the best practices
and current news relating to online security.

--------------------------------------------------------------------------------


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