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Automobile Rental CollisionDamage WaiverEmergency Evacuation andTransportation CoverageYou’re protected up to the actual cash valueof most rental cars. Primary coverage fordamage due to collision or theft is available inthe United States and most foreign countries.6When you use your J.P. Morgan PalladiumCard to pay for your covered trip via train,plane, bus or ship, you are eligible toreceive up to 100,000 for medical expensesrelated to sickness or accidental injuryoccurring during your trip and not paid orpayable by your primary medical insurance.Please note: This benefit is supplementalto and excess of any valid and collectibleinsurance or other reimbursement.6Roadside AssistanceYou are provided up to 50 in the UnitedStates and Canada in the event you needhelp with towing, delivery of two gallons ofgas, jump start, spare tire change or lockoutservice.6 For more information, call thebenefit administrator at 1-866-860-7978.Repatriation of RemainsIn the event you should pass away during thecourse of a covered trip, expenses incurred upto 1,000 can be covered to return your bodyto your home country of residence.6

37Trip Cancellation/InterruptionInsuranceThis supplemental coverage provides up to 2,500 for covered medical or dental expensesnot paid by your primary medical insurancein the event you need care during your trip(subject to a 50 deductible).6Trip cancellation insurance can providereimbursement to you for the cost of yourscheduled fare on a common carrier up to 5,000 for a covered trip in the event that thetrip must be cancelled or interrupted due tocovered reasons.6Travel Accident InsuranceWhen you use your J.P. Morgan Palladium Cardto purchase fare on a common carrier (train,plane, bus or ship) you are provided accidentaldeath and dismemberment insurance up to 1,000,000.6For more information, contact J.P. Morgan Priority Services toll-free at 1-866-576-7575 from within the United States orat 1-614-776-7050 when abroad.TRAVEL PROTECTIONEmergency Medical andDental Coverage

Trip Delay ReimbursementTravel delays sometimes cannot be avoided.When traveling on a covered trip, you areprovided with up to 300 per ticket purchasedwith your J.P. Morgan Palladium Card forreasonable expenses – including lodging andmeals – on a one-time basis, provided your tripis subject to a delay of more than 12 hours orrequires an overnight stay.6Baggage DelayWhen traveling on a covered trip via train,plane, bus or ship, you are provided withworldwide excess coverage of up to 500 forthe emergency purchase of essential items ifyour property is delayed or misdirected by thecommon carrier for more than 18 hours.6

39Travel and Emergency Assistance6Have your bags been lost? If your traveltickets were purchased with your J.P. MorganPalladium Card, you are eligible to receivereimbursement for the amounts you actuallypaid for the luggage and its contents in theevent a common carrier (train, plane, bus orship) loses your carry-on or checked luggage.6Your J.P. Morgan Palladium Card can assistyou with services (at your expense) includingarrangements for:Hotel Burglary Insurance Assistance in the location of lost or stolenluggage or other travel materialsYou are provided up to 1,000 per trip forpersonal property stolen from your hotelor motel room when you’ve paid with yourJ.P. Morgan Palladium Card and there isevidence of forced entry. Coverage is limitedto certain countries and items.6 Money transfers Information on travel requirements includingdocumentation, immunizations or currencyexchange rates Medical and Legal Referral Assistance Emergency Translation Service Prescription AssistanceFor more information, contact J.P. Morgan Priority Services toll-free at 1-866-576-7575 from within the United States orat 1-614-776-7050 when abroad.TRAVEL PROTECTIONLost Luggage Reimbursement

P URC HASE P ROT EC T I O N

PU R C HA S E P ROT EC T ION

43The protection you need for the peace of mind you deserveNot only does your J.P. Morgan PalladiumCard offer innovative fraud technology thatcontinuously safeguards you with every swipe,it also brings purchasing peace of mind. Byusing your card for every purchase you make,you’ll benefit from invaluable features thatcan enhance your shopping experience. Purchase Protection(up to 50,000 per year)6 Return Protection (up to 1,000 per year)6 Price Protection (up to 1,500 per year)6 Ticket Protection (up to 4,000 per year)6 Visa Warranty Manager Service6 Zero Liability ProtectionPURCHASE PROTECTION{

Purchase ProtectionPrice ProtectionYou are protected with up to 10,000 perclaim and 50,000 per year for eligible itemspurchased with your J.P. Morgan PalladiumCard in the event of theft or damage for thefirst 90 days from the date of purchase.6If you locate an advertisement within 90 daysfrom the date of purchase for the identicalitem at a lower cost, Price Protection canrefund the difference between the purchaseprice and the advertised price up to 500 peritem and up to 1,500 per year on eligiblepurchases made with your J.P. MorganPalladium Card.6Return ProtectionWhen you make an eligible purchase withyour J.P. Morgan Palladium Card, you canbe reimbursed up to 500 per item and 1,000 per year within 90 days if youare dissatisfied with a purchase that isnot accepted for return by the retailer.6

45Warranty Manager ServicePurchase event tickets with your J.P. MorganPalladium Card, and you are eligible for amaximum reimbursement of up to 500per event ticket, 2,000 per event and 4,000 annually for the cost of yourunused, non-refundable concert, theatrical,recreational and sporting event tickets,should you be unable to attend due toa covered reason.6Use your J.P. Morgan Palladium Card to makea purchase, then use Warranty Manager tomanage your sales receipts and warrantyinformation, making it simpler to arrangerepairs. Plus, you’ll get double the time periodof the original manufacturer’s written U.S.repair warranty up to one additional year oneligible warranties of three years or less.6Zero Liability ProtectionYou are not liable in the event of anunauthorized use of your J.P. MorganPalladium Card when promptly reportedto J.P. Morgan Priority Services.7For more information, contact J.P. Morgan Priority Services toll-free at 1-866-576-7575 from within the United States orat 1-614-776-7050 when abroad.PURCHASE PROTECTIONTicket Protection

FI N A N C I A L FL E X I BI L I T Y

FINA N C I A L FL E X I B I LITY

49As a J.P. Morgan Palladium cardmember,your unique status entitles you to a level ofpurchasing power reserved for only our bestclients. With distinctive features like no foreigntransaction fees, no pre-set spending limit andfast access to a generous cash line, your cardis unlike any other credit card you may carry. Total purchasing power Custom payment options Convenient, online account access Simplified record keeping Exclusive cardmember privilegesFINANCIAL FLEXIBILITY{Your J.P. Morgan Palladium Card not only complements your life,but helps you get more from it

{Need cash when traveling?Your J.P. Morgan Concierge can assistyou with currency exchange (throughTravelex) prior to your trip. Enjoyfree two-day shipping within the U.S.on orders over 500.And remember, you can use yourJ.P. Morgan Palladium Card towithdraw cash at thousands of ATMsand financial institutions worldwide.No foreign transaction feesRevolving balanceWhen using your J.P. Morgan Palladium Cardabroad, your purchases will not be subjectto any foreign transaction fees, which cantypically average up to 3% per transaction.With your J.P. Morgan Palladium Card, youhave the option to revolve a portion of yourbalance should you prefer not to pay in fulleach month.No pre-set spending limitGenerous cash linesYour J.P. Morgan Palladium Card allowsyou to go where you want and purchasewhat you want without worrying abouta pre-set spending limit – because there isnone. You’ll enjoy remarkable purchasingpower and maximum flexibility at millionsof locations worldwide.8Use your J.P. Morgan Palladium Card towithdraw cash when you need it. With yourpersonal identification number (PIN), youcan access cash at thousands of ATMs andfinancial institutions around the world.8

51Online statementChoice of payment due dateWe’ve waived many of the add-on fees forour distinguished J.P. Morgan Palladiumcardmembers, including late fees, over-limitfees, cash advance check fees and returnpayment fees.With online account access, you canconveniently view and pay your monthlystatement, as well as keep current onaccount activity with free e-mail updates.We’ll be happy to assist you in establishingonline access.If your originally scheduled payment dateis inconvenient for you, we’ll gladly change itto a date that better suits your schedule.Lost or stolen card replacementRest assured, if your card is ever lost or stolen,we will rush you a new one to anywhere in theworld within a 24- to 48-hour period.Additional cardsIf you wish to extend the privileges of yourJ.P. Morgan Palladium Card to others, youcan request additional cards for an annualfee of only 99 each.Automatic monthly paymentNo need to worry about missing a monthlypayment. Instead of writing and mailinga check each month, you can have yourpayment automatically deducted froman account you designate.Year-end summaryYou will automatically receive a year-endsummary of all your transactions. Itemized bycategory, date and description, it is designedto make it easy to organize your year-endrecords and tax returns.For more information, contact J.P. Morgan Priority Services toll-free at 1-866-576-7575 from within the United States or at 1-614-776-7050 when abroad.FINANCIAL FLEXIBILITYAdd-on fee waiver

Terms and Conditions1T erms and conditions apply. Lounge visits are subject to a per-person,per-visit charge. To enroll J.P. Morgan Palladium Card authorized usersin Priority Pass , please contact your J.P. Morgan Concierge, or visitPriorityPass.com/J.P. Morgan/World.2 All program flights operated by NetJets companies under theirrespective 14 CFR Part 135 Air Carrier Certificates. Marquis Jet CardOwners acquire a sublease in a pre-paid NetJets fractional aircraftownership interest. Marquis Jet is an independent company notaffiliated with NetJets and through its exclusive U.S. alliance sellsthe Marquis Jet Card.3T erms and conditions apply. Please request the NetJets Ferry WaiverProgram brochure for complete details.4 Complimentaryhour of flight time is given on the same aircrafttype purchased. Any applicable taxes, fees or charges including a fuelvariable may apply and are the responsibility of the Card Owner.5 Terms and conditions apply.6S ee your Guide to Benefits for details. Certain restrictions, limitationsand exclusions apply.7 .S.-issued cards only. Zero Liability Protection does not apply to ATMUtransactions or to PIN transactions not processed by Visa.8 o pre-set spending limit does not mean unlimited spending.NEach charge that causes your balance to exceed your revolvingcredit access line will be evaluated based on your account spendingand payment history and your experience with other creditors. Yourminimum payment calculation each month will include any amountover your revolving credit access line. Please see your CardmemberAgreement for complete details. We reserve the right to decline anauthorization request for any transaction at any time for any reason.We may also request additional information from you at any time toevaluate a transaction request or your use of the Account generally.Fairmont Hotels & ResortsFairmont Hotels & Resorts Gift Cards are not replaceable if lost, stolenor destroyed. Fairmont Hotels & Resorts Gift Cards may not be validwhere restricted by law. Fairmont Hotels & Resorts Gift Cards are notredeemable for cash and are void if sold for cash or other consideration.Any tax liability, including disclosure, connected with receipt or useof this card is the recipient’s responsibility. Locations listed on cardare subject to change without notice. Cards are fully transferableand combinable. Please visit http://www.fairmont.com/promotions/giftcardterms for full terms and conditions.The Ritz-CarltonThe Ritz-Carlton is not a sponsor or co-sponsor of this promotion. Useof The Ritz-Carlton logos or trademarks requires written approval fromThe Ritz-Carlton Hotel Company, L.L.C. See reverse side of Currency forcomplete terms and conditions.The listed gift card, certificate or travel voucher retailers are in no wayaffiliated with J.P. Morgan Chase, nor are they participants, sponsorsor co-sponsors of this Program and are not liable for any alleged oractual claims related to this Program. All gift cards, certificates ortravel vouchers are subject to the terms and conditions stated on thecard, certificate, vouchers or the retailer’s website. All trademarks areproperty of their respective owners and used with their permission.Amazon.comAmazon.com Gift Cards (“GCs”) sold by Affinion Loyalty Group, anauthorized reseller of Amazon.com Gift Cards. Amazon, Amazon.com,the Amazon.com logo, and the Amazon Gift Cards logo are trademarksof Amazon.com, Inc. or its affiliates. GCs may be used only for purchasesof eligible goods on Amazon.com or its affiliated website Endless.com.GCs cannot be redeemed for purchases of gift cards. Except as requiredby law, GCs cannot be reloaded, resold, transferred for value, redeemedfor cash, or applied to any other account. See www.amazon.com/gc-legalfor complete terms and conditions. GCs are issued and 2010 by ACIGift Cards, Inc., a Washington corporation.

53StarbucksStarbucks, the Starbucks logo and the Starbucks Card design are eithertrademarks or registered trademarks of Starbucks U.S. Brands, LLC.Starbucks is not a participating partner in or sponsor of this offer.Best BuyBEST BUY is not affiliated with J.P. Morgan Chase. Best Buy does notsponsor, endorse, approve or have any responsibility for this promotion.BEST BUY, the BEST BUY logo and the tag designs are trademarks ofBBY Solutions, Inc.Saks Fifth AvenueThe listed gift card, certificate or travel voucher retailers are in no wayaffiliated with J.P. Morgan Chase, nor are they participants, sponsorsor co-sponsors of this Program and are not liable for any alleged oractual claims related to this Program. All gift cards, certificates ortravel vouchers are subject to the terms and conditions stated on thecard, certificate, vouchers or the retailer’s website. All trademarks areproperty of their respective owners and used with their permission.MarriottMarriott is not a sponsor or co-sponsor of this promotion. Use ofMarriott logos or trademarks requires written approval from MarriottInternational, Inc. See reverse side of TravelCard for complete termsand conditions.The listed gift card, certificate or travel voucher retailers are in no wayaffiliated with J.P. Morgan Chase, nor are they participants, sponsorsor co-sponsors of this Program and are not liable for any alleged oractual claims related to this Program. All gift cards, certificates ortravel vouchers are subject to the terms and conditions stated on thecard, certificate, vouchers or the retailer’s website. All trademarks areproperty of their respective owners and used with their permission.HyattPlease see the front of the Gift Check for its expiration date. No credit orchange will be given on any unused portion of the certificate. Certificateis void if sold for cash or other consideration. Not valid for Casinocharges, deposit or payment for group/meeting/catering functions, orfor advance purchased packages or at concessions within the hotel notowned or operated by Hyatt. Full terms and conditions are available s.aspx

J.P. Morgan Palladium Program (or the “Program”)Rules and Regulations9 Issuer: Your J.P. Morgan Palladium Card account (“Account”) is issuedby Chase Bank USA, N.A. (hereinafter “we”, “our” or “us”) located inWilmington, DE. In these Program Rules, “you” or “your” means allpersons and/or companies responsible for complying with this agreement,including the person who applied for the Account and the person to whomwe address billing statements, as well as any person who, and/or thecompany which, if applicable, agrees to be liable on the Account.Ability to Earn and/or Redeem Rewards: If your Account is indefault as described in your Cardmember Agreement, as applicable(“Agreement”), and/or your Account is closed for any reason, and/orthere is any fraud or abuse related to the accrual of points, we reservethe right to prohibit you from earning or redeeming points throughyour Account until the next billing cycle after your Account is no longerin default, and to cause you to forfeit any points in your Account. Ifyour points are forfeited for any reason, we will not reinstate thesepoints to your Account. If your Account is closed for any reason, yourmembership in the Program will be terminated.Membership: Your membership in the Program will be renewedautomatically each year as long as your Account is open and not indefault as defined in your Agreement, or until we notify you of theProgram’s cancellation. While there is no yearly program fee associatedwith Program membership, there may be an annual fee in conjunctionwith your credit card Account.Earning Rewards: You will earn 2 points for each 1 of Net Purchasesmade at retail locations that classify their merchant location for Visa inany of the following categories: airlines, car rental agencies (excludingtruck, trailer and RV), and lodging establishments. Online and catalogpurchases are not eligible to receive the 2 points unless the merchantshave correctly identified and billed the transactions. We do notdetermine whether merchants correctly identify and bill transactionsas being made at locations in each particular category. However, wedo reserve the right to determine which purchases qualify for the 2points. You will earn an additional 1 point for each 1 of eligible airfareNet Purchases made online through the Program booking tool. Youwill earn 1 point for each 1 of all other Net Purchases. As a one-timebonus annually, once you reach 100,000 or more in Net Purchases,and

Marquis Jet Card.SM With as little as 10 hours' notice, the Marquis Jet Card program will allow you to fly with NetJets to your destination on your time and on your terms - enabling you to arrive rested and feeling your best. Marquis Jet Card2 Owners experience a level of high-quality service unmatched by other jet card programs: