deem fair and equitable. JPMS is not a bank and is a separate legal entity from its bank or thrift affiliates, including JPMorgan Chase Bank, N.A. (*JPMCIEE). Investment Products: Not FDIC Insured •No Bank Guarantee -May Lose Value J.P. Morgan SB1062192-F1 Disclosures Page 2 of 2 1514 EFTA01663386