Risks and Considerations in J.P. Morgan Private Banking Services

J.P. Morgan Chase & Co. offers a range of private banking services and products that are subject to specific terms and conditions. These offerings, including fees and interest rates, may vary depending on geographic location and are subject to change based on account agreements. For those who require additional assistance, particularly individuals with disabilities, support is available through J.P. Morgan's contact points. For further details, reach out to your J.P. Morgan team or email accessibility.support@jpmorgan.com.

Understanding Risks and Considerations

Investment products and strategies come with inherent risks, and past performance is not indicative of future outcomes. Diversification strategies do not guarantee returns or protect against losses. Before making investment decisions, it's crucial to evaluate if the options align with your financial objectives and risk tolerance. Consider contacting J.P. Morgan for a comprehensive discussion regarding your investment choices and strategy alignment.

Reliability and Non-Reliance

Although the information provided is believed to be reliable, J.P. Morgan does not guarantee its accuracy or completeness. This material should not be considered as an official research report and does not establish any advisory relationship. Forward-looking statements are based on hypothetical examples and should not be seen as predictions. Always consult your own advisors for advice tailored to your financial situation.

Conflicts of Interest in Investments

J.P. Morgan may face conflicts of interest when managing client portfolios, especially when investments are made in their own products or services are obtained from affiliates. This can include investment in J.P. Morgan managed funds or receiving payments for services provided in client portfolios. Portfolio strategies are selected through a review process, with a preference for J.P. Morgan strategies, subject to legal and account-specific considerations.

The Six Circles Funds, managed by J.P. Morgan and sub-advised by third parties, do not generate management fees for J.P. Morgan, aligning client interests with fund performance.

Legal and Regulatory Framework

J.P. Morgan's various entities offer different services under regulatory guidelines. In the United States, investment products are offered through J.P. Morgan Securities LLC, regulated by FINRA and SIPC. European branches follow local regulatory frameworks, including supervision by BaFin and other national authorities. In Asia, services are distributed through regulated branches in Hong Kong and Singapore. Local regulatory guidance varies, and materials should be reviewed with caution.

In Australia, J.P. Morgan services are intended for "wholesale clients" as defined by local legislation. Materials may include non-Australian financial information and do not address specific tax implications for Australian investors.

For further inquiries or to opt-out of communications, please contact your J.P. Morgan representative.