Terms and Conditions:
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING  WWW.CHASEPANEL.COM, https://deploy.ztelligence.com/start/index.jsp?PIN=139DAMWH9E5DV AND OTHER WEBSITES OPERATED IN CONNECTION WITH THE CHASE PANEL (COLLECTIVELY, “WEBSITE”) YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

Unauthorized use of the websites and systems of JPMorgan Chase & Co. or one of its subsidiaries ("JPMorgan Chase"), including but not limited to unauthorized entry into JPMorgan Chase's systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

Copyright Notices
The works of authorship contained in the Website , including but not limited to all design, text, sound recordings and images, are owned, except as otherwise owned by certain third party service providers of JPMorgan Chase or as otherwise expressly stated, by JPMorgan Chase. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without JPMorgan Chase's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of JPMorgan Chase's proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

Trademark Notices
Chase is the marketing name for the retail financial services activities of JPMorgan Chase & Co. and its subsidiaries and affiliates in the United States. "Chase," "JPMorgan," "JPMorgan Chase," the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase & Co. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.

Submitted Ideas:
All comments, suggestions, ideas, notes, drawings, concepts or other information disclosed or offered to us by you through this Website or in response to content in this Website shall be deemed and shall remain our property. You understand and acknowledge that we have both internal resources and other external resources which may have developed or may in the future develop ideas identical to or similar to the comments, suggestions or other input you give, and that we are only willing to consider your input on these terms. In any event, any input you give is not submitted in confidence and we assume no obligation, express or implied, by considering it. Without limitation, we shall exclusively own all now known or hereafter existing rights to the comments, suggestions and other input you make, of every kind and nature throughout the Universe, and shall be entitled to unrestricted use of that input for any purpose whatsoever, commercial or otherwise, without compensation to you.

Web Content and Materials
The information on this Website is for information purposes only. It is believed to be reliable, but JPMorgan Chase does not warrant its completeness, timeliness or accuracy. The information and materials contained in this Website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Any products and services described, as well as, associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Not all products and services are offered at all locations.

You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with JPMorgan Chase, and (ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

JPMORGAN CHASE OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND JPMORGAN CHASE DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. JPMORGAN CHASE RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY JPMORGAN CHASE TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

Links to Other Sites
Links to non-JPMorgan Chase websites are provided solely as pointers to information on topics that may be useful to the websites, and JPMorgan Chase has no control over the content on such non-JPMorgan Chase websites. If you choose to link to a website not controlled by JPMorgan Chase, JPMorgan Chase makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Chase warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. JPMorgan Chase does not guarantee the authenticity of documents on the Internet. Links to non-JPMorgan Chase sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

LIMITATION OF LIABILITY
BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS" "AS AVAILABLE". JPMORGAN CHASE AND THIRD PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. JPMORGAN CHASE AND THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, JPMORGAN CHASE WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL JPMORGAN CHASE BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND JPMORGAN CHASE'S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

JPMORGAN CHASE AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, JPMORGAN CHASE AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND JPMORGAN CHASE AND ITS AFFILIATES' CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING JPMORGAN CHASE'S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL JPMORGAN CHASE BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER JPMORGAN CHASE HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

Enforceability and Governing Law
In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with JPMorgan Chase. The user's access to and use of the Website, and the terms of this disclaimer are governed by the laws of the State of New York.

Chase Panel Participation:
You acknowledge that JPMorgan Chase may disclose and transfer any information that you provide through this Website and/or to the Chase Panel to (i) any company within the JPMorgan Chase group, its affiliates, agents or information providers or third party service providers including MarketTools, Inc.; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate (including to countries outside the EEA), and by using and providing information through this Website you agree to such transfers. Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. Your participation in the Chase Panel and your survey responses will be used for market research purposes only.

We may send you emails to communicate with you regarding your participation in the Chase Panel or for the purposes of this panel’s survey research.

1. Chase Panel Information:
The Chase Panel may gather demographic information, such as occupation and other household characteristics, about Chase panel members when they fill out the Registration Questionnaire and participate in surveys. Such information will only be used for internal market research purposes.  If you choose to participate in the Chase Panel, Panel members may register at the Website. The Registration Questionnaire and subsequent surveys require panel members to provide us with contact information (such as name, email address, mailing address, etc.) so that we may communicate with you in connection with the Chase Panel.  The communications that panel members may receive from the Chase Panel will concern:

• Opportunities to participate in our surveys and any special terms that may apply to particular surveys, including compensation (if any)
• Information about the results of our surveys

Panel members may choose to opt-out of receiving further communications about the Chase Panel from us at any time. Please see the Chase Panel Unsubscribe/Opt-Out Policy section below.
Chase Panel information is gathered from our panel members as part of our market research process. This information is aggregated and analyzed in reports for JPMorgan Chase. Your survey responses are valuable in understanding the needs, interests and lifestyles of Chase customers.  You may receive marketing offers that may be sent generally to Chase customers or the public; but you will not receive marketing specifically as a result of joining or participating in the Panel.

The foregoing applies to information we collect through your participation in the Chase Panel.  In addition, for more information about our online consumer information practices, go to www.Chase.com/privacy.

2.  Chase Panel Unsubscribe/Opt-Out Policy:
This Website provides users the ability to unsubscribe from participating in the Chase Panel and opt-out of receiving communications from the Chase Panel. Instructions on how to unsubscribe from the Chase Panel are provided in every email sent to panel members. It may take up to ten business days to process your request and you may continue to receive communications during such time.  The opt out only removes you from Chase Panel communications and does not remove you from any other communications you may receive as a Chase customer.

3.  Modifying Your Chase Panel Information:
If you wish to modify or update contact information you have previously provided, please visit the website, www.chasepanel.com, log in, and update your information.

4.  Security Measures:
We use modern security technology to protect the personally identifiable information submitted to us, both during transmission and once we receive it. The data we collect is protected through the use of firewalls and passwords, among other things. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we are vigilant in protecting your personally identifiable information, we cannot guarantee its absolute security.

5.  Contact Information:
If you have any questions about these Terms and Conditions, the practices of this Website or any other concerns or issues, please refer to this URL for our contact information: http://www.chase.com/contact.htm Thank you for agreeing to serve on the Chase Panel and for participating in our studies. Your opinions are very valuable to us.