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Disclosure Statement This document was prepared exclusively for the benefit and internal use of the party to whom it is directly addressed and delivered (the "Organization ") in order to assist the Organization in evaluating certain products or services that may be provided by J.P. Morgan. Chase, J.P. Morgan and JPMorgan Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (if and as used herein may include as applicable employees or officers of any or all of such entities irrespective of the marketing name used). Products and services may be provided by commercial bank affiliates, securities affiliates or other J.P. Morgan affiliates or entities. In particular, securities brokerage services other than those which can be provided by commercial bank affiliates under applicable law will be provided by registered broker /dealer affiliates such as J.P. Morgan Securities LLC, J.P. Morgan Institutional Investments Inc. or by such other affiliates as may be appropriate to provide such services tinder applicable law. Such securities are not deposits or other obligations of any such commercial bank, are not guaranteed by any such commercial bank and are not insured by the Federal Deposit Insurance Corporation. The information herein does not purport to set froth all applicable issues and is not intended to constitute advice on legal, tax, investment, accounting, regulatory or any other matters. J.P. Morgan makes no representations as to such matters or any other effects of any transaction and shall have no responsibility or liability to you with respect thereto. You should consult with your own advisors . regarding such matters and the suitability, permissibility and effect of any transaction. In no event shall J.P. Morgan nor any of its directors, officers, employees or agents be liable for any use of, for any decision made or action taken in reliance upon, or for any inaccuracies or errors in, or omissions from, the information herein. The information herein is not intended as nor shall it be deemed to constitute advice or a recommendation regarding the issuance of municipal securities or the use of any municipal financial products. J.P, Morgan is not providing any such advice or acting as the Organization's agent, fiduciary or advisor, including, without limitation, as a Municipal Advisor under Section 15B of the Securities and Exchange Act Of 1934, as amended. This proposal is subject to and conditioned upon a mutually agreeable contract between the Organization and J.P. Morgan, J.P. Morgan also requires execution of all applicable product and service agreements. Implementation of products and services is subject to and conditioned upon the condition of satisfactory completion of J.P. Morgan's "Know Your Customer' due diligence and meeting product requirements. These steps are included in S.P. Morgan's client onboarding process. 'Phis document may contain information that is confidential and /or proprietary to J.Y. Morgan. Such information is marked "confidential" and may not be copied, published or used, in whole or in part, for any purpose other than as expressly authorized by J,P. Morgan. To help the United States government fight the funding of terrorism and money laundering activities, U.S, law (Section 326 of the USA PATRIOT Act) requires banks and certain other financial institutions to obtain, verify, and record information that identifies each client that opens an account. What this means for our clients: Before opening a new account, we will require you to provide name, address, taxpayer identification number, and other information and /or documentation that will allow as to identify the account owner(s), as required by law. J.P. Morgan is licensed under U.S. Pat Nos. 5,910,988 and 6,032,137. All trademarks, trade names and service marks appearing herein are the property of their respective owners. This document does not constitute a commitment by any J.P. Morgan entity to extend or arrange credit. © 2016 JPMorgan Chase & Co. All Rights Reserved. JPMorgan Chase Bank, N.A. Member FDIC. J.P. Morgan supports sustainable business practices and adheres to the principles of environmental * Iwo sustainability wherever possible. Page 1 JY Morgan