TERMS AND CONDITIONS
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS 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. Throughout these Terms and Conditions, the word 'Chase' means JPMorgan Chase Bank, N.A. and its affiliates.

Web Content and Materials
The information on this website ('Website') is for information purposes only. It is believed reliable, but 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. In addition, certain portions or pages of this Web site are subject to additional disclosures and disclaimers. In the event of a conflict between those disclosures and disclaimers, and these terms and conditions, the additional disclosures and disclaimers will govern for those portions or pages.

You agree that (i) you will not engage in any activities related to the Web site that are contrary to applicable law, regulation or the terms of any agreements you may have with Chase, and (ii) in circumstances where locations of the Web site require identification for process, you will establish commercially reasonable security procedures and controls to protect and keep confidential your password and or identifying information. Unauthorized use of the Web site and Chase's systems, including but not limited to unauthorized entry into Chase's systems, misuse of passwords or misuse of any information posted to a site, is strictly prohibited.

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 Chase does not undertake any obligation or responsibility to update or amend any such information. Chase reserves the right to terminate any or all Website offerings 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 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.

This Web site is directed at Canadian residents only. Persons residing in the United States may visit chase.com. Persons outside of the United States and Canada may visit Chase International Financial Services.

Links to Other Websites
This Website contains links to websites that are owned or operated by other companies ('third party websites'). Chase has no control over the content of third party websites. If you choose to link to a third party website not controlled by Chase, 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 and other contamination. Links to third party websites 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. Third party web sites may have different privacy policies and/or security standards governing their sites. Your access, use and reliance upon such content, products or services is at your own risk.

Copyright Notices
The words of authorship contained in this Website, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by JPMorgan Chase & Co. or one of its subsidiaries ('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 applicable copyright law, 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' and the Octagon symbol are registered trademarks of JPMorgan Chase & Co. used pursuant to licence. The trademarks 'Sears', 'Sears Club' and 'Colours' are used under licence by Chase. MasterCard is a registered trademark of MasterCard International Incorporated, used pursuant to licence. Marriott is a registered trademark of Marriott Worldwide Company and is used pursuant to licence. Visa Int./Chase and Marriott lic. users. Chargex Ltd./Chase and Marriott lic. users. All other trademarks are the property of their respective owners.

Patent Notice
JPMorgan Chase Bank, N.A. is licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States Patents: 5,561,707; 5,828,734; 5,684,863; 5,815,551; 5,974,120; 5,917,893; 5,898,762; and others. JPMorgan Chase is licensed under U.S. Patent Numbers 5,910,988 and 6,032,137.

Personal information
You acknowledge that the collection, use and disclosure of any personal information you provide through this website is governed by the terms of our Privacy Policy.

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'. CHASE IS NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THIS WEBSITE. CHASE DISCLAIMS 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, 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 CHASE BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND CHASE'S CONTROL. NO LICENCE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

CHASE DOES 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, CHASE WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN THE 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 CHASE'S CONTROL. NO LICENCE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING CHASE'S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL 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 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 intent underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with Chase. The user's access to and use of the Website and the terms of this disclaimer are governed by and construed in accordance with the laws of the Province of Ontario (and the federal laws of Canada applicable therein) without regard to conflict of laws provisions.