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The materials and information on this website are provided for information and discussion purposes only and are not intended as an offer, invitation, inducement, advice, recommendation or solicitation for the purchase or sale of any security or financial instrument (including warrants, callable bull/bear contracts or other structured products listed on The Stock Exchange of Hong Kong Limited described in the Website (as defined below) (“Structured Products”) , or to enter into a transaction involving any financial instrument or trading strategy, or as an official confirmation or official valuation of any transaction mentioned herein. Any pricing information provided is indicative only and does not reflect a level where J.P. Morgan is prepared to execute a trade. Nothing contained herein shall form the basis of any contract or commitment whatsoever. Neither this website nor any material on this Website shall be construed as an advertisement, inducement or representation of any kind or form whatsoever. The materials on this Website do not take into account the particular needs of any specific user.

Nothing in this material should be construed as investment, tax, legal, accounting, regulatory or other advice. Neither J.P. Morgan nor any of our affiliates assumes any fiduciary responsibility or liability with respect to any investment in the Structured Products. You should make your own appraisal of the Structured Products and assess the risk prior to any investment.

This Website is only directed at and intended for residents of Hong Kong or eligible investors. It is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law. J.P. Morgan disclaims all responsibility if you download any information from the Website in breach of any law of country in which you are residing. Not all products and services are available in all geographical areas. The information and materials on this Website is subject to change and must not be relied, or acted upon by the user.

The ‘Website’ means the website of J.P. Morgan Securities (Asia Pacific) Limited in relation to the Structured Products, and all information and materials contained therein on the Website. Certain sections or pages on the Website may contain separate terms and conditions or disclaimers, which are in addition to these terms and conditions and disclaimers. In the event of a conflict, the additional terms and conditions or disclaimers will govern for those sections or pages.

Structured Products are non-collateralised products. If the Issuer and its guarantor are insolvent or default, investors may not recover part or all of the amount due. The warrants and callable bull/bear contracts are structured products which involve derivatives. Do not invest in them unless you fully understand and are willing to assume the risks associated with them.

The price of the Structured Products may fall in value as rapidly as it may rise and investors may sustain a total loss of their principal invested. Callable bull/bear contracts have a mandatory call feature and may be terminated early, in such case, (i) an investor of category N callable bull/bear contracts will not receive any cash payment; (ii) the residual value for category R callable bull/bear contracts may be zero. It is not possible to predict whether the secondary market for the Structured Products will be liquid or illiquid. J.P. Morgan Broking (Hong Kong) Limited is the market-maker and liquidity provider of warrants, callable bull/bear contracts and/or traded options; and may be the only liquidity provider for the Structured Products. Any opinions, forecasts or estimates herein constitute a judgment as of the date the information is published, and there can be no assurance that future results or events will be consistent with any such opinions, forecasts or estimates. You are cautioned that actual results may differ materially from those set forth in any forward-looking statements. Past performance is also not indicative of future results. J.P. Morgan is not the advisor or trustee of investors and will not be responsible to decide whether investing in such financial instrument is legal or suitable for potential investors.

You should therefore conduct risk assessment for yourself and ensure that you understand the nature and risks of the Structured Products and should, where necessary, consult your own legal, tax, accounting, financial and other professional advisers to ensure that any decision to invest in the Structured Products is suitable with regard to your specific circumstances and financial position.

Before investing in the Structured Products, you should carefully review and understand the terms and conditions of the Structured Products, together with the financial statements and other information of the Issuer, as set out in our base listing document (including any addendum), and the relevant launch announcement and supplemental listing document.

The Issuer and its affiliates (“J.P.Morgan Group”) comprises a full-service securities firm and a commercial bank engaged in various securities trading and brokerage activities, as well as providing investment banking, asset management, financing, financial advisory services to a wide range of clients. As a result, J.P.Morgan Group may have potential conflicts of interest relating to those securities that you may purchase from us. In particular, J.P.Morgan Group may act as authorized participant or participating dealer in the purchase or sale of units from an ETF, act as a market maker or block positioner in the ETF units, contribute capital towards the formation of an ETF and may have a significant ownership interest in the ETF units. These activities could negatively affect the performance of the securities which you may be purchasing. It is also possible that the J.P.Morgan activities could result in substantial returns for J.P.Morgan Group while the value of the ETF units declines.

J.P. Morgan Group may take proprietary positions and may have long or short positions or other interests in the Structured Products and may effect transactions or make markets in the Structured Products at any time in the open market or otherwise, in each case whether as principal, agent or as market maker. J.P. Morgan Group may also be involved in other financial, investment and professional activities such as providing advice or loans to, or participating in the underwriting or restructuring of the obligations of, the underlying companies of the Structured Products, which may on occasion give rise to interests or a conflict of interests in respect of the securities or Structured Products which are the subject of this Website.

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All J.P.Morgan commentary is written by J.P.Morgan for reference purposes. They do not constitute any offer, solicitation for purchase or sale of any financial instruments, nor shall they be construed as an agreement by J.P.Morgan to enter into any transaction mentioned. Any opinions, forecasts or estimates in this Website constitute a judgment as of the date the information is published, and there can be no assurance that future results or events will be consistent with any such opinions, forecasts or estimates. You are cautioned that actual results may differ materially from those set forth in any forward-looking statements. Past performance is also not indicative of future results.

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In addition to the above disclaimers, the disclaimers and limitations of liability in relation to the various indices associated with the structured products and set forth in the relevant listing or offering documents shall apply to the use of this website and shall be incorporated into these disclaimers. In no event shall any member of the J.P. Morgan or any third party supplying information or data on this website have liability arising from any information provided on this website concerning such indices.

The materials on this Website are based on information obtained from public sources considered by us to be reliable. However, we have not verified the materials, which may not be complete or accurate. Opinions, estimates and other information contained in the materials available on this Website may be changed or withdrawn without notice.

We are not under any obligation to update or keep current the information on this Website. None of J.P. Morgan or its associated and connected persons and/ or affiliates, their directors, officers and/ or employees (including persons involved in the preparation or issuance of the materials on this Website) or any information provider makes any representation or warranty, express or implied, of any kind as to the truth, accuracy, completeness, adequacy or reasonableness of the materials on this Website or as to the fitness of any such material for any purpose.

Where the information consists of pricing levels, disclosure materials, valuations, other analysis published on the Website or performance data, the information and data contained therein have been prepared on assumptions and parameters that reflect good faith determinations or have been obtained from sources believed reliable. The assumptions and parameters used are not the only ones which could have reasonably been selected, and accordingly, no guarantee is given in respect of the accuracy, reasonableness or completeness of such quotations, disclosure or analysis. Data computations are not guaranteed by any information service provider, third party or us or any affiliates and may not be complete. Neither any information service provider, third party or us give any warranties, as to the accuracy, adequacy, quality or fitness, timeless, non-infringement, title, of any information for a particular purpose or use and all such warranties are expressly excluded to the fullest extent that such warranties may be excluded by law.

Any pricing analytical tools or other pricing models included in this Website is for reference only. Such tools or models work according to certain well recognized financial principles, and are base on certain assumptions and current market conditions which are subject to change without notice. Prices or values based on other models or different assumptions may yield different results. J.P.Morgan expressly disclaims any responsibility for (a) the accuracy of the models or estimates used in deriving the prices or values; any (b) any errors or omissions in computing or disseminating the prices or values, and (c) any uses to which the prices or values are generated. Accordingly, any value obtained is purely indicative and no reliance should be placed on the information provided or obtained herein.

No representation or warranty is made that any indicative return or performance will be achieved in the future. Such information does not constitute investment advice by J.P. Morgan and is for information purposes only. You bear all risk from any use or results of using any information obtained from the Website. You are responsible for validating the integrity of any information received over the Internet.

Transmission for information over the Internet are not secure and may be subject to interruption, transmission delay or blackout arbitrary delays beyond our control. Information contained on this Website may be intercepted, lost, destroyed or delayed in transmission. , which may delay the provision of our services and the execution of your orders. Although we will use reasonable efforts to minimise such risk, we do not warrant that any communication available or generated from this Website is free from viruses, worms or other harmful components.

You acknowledge that neither any information service provider, third party nor J.P. Morgan will be liable to you or any third party for any losses arising from transmission. In no event will any information provider, third party or J.P. Morgan, be liable for any consequential loss including but not limited to special, incidental, direct or indirect damages resulting from delay or loss of use of the System. J.P. Morgan is not responsible for any damage to your computer, software, modem, telephone or other property resulting from your use of the System. We disclaim any liability for any tampering with your computer system by unauthorised parties. We expressly remind you of the risk of viruses, and the possibility of attacks by hackers.

Any values or prices are as of either the close of business or the time otherwise indicated on the date they are provided, are provided for information purposes only and are intended solely for your use. Prices or values may not represent (i) the actual terms at which new transactions could be entered into, (ii) the actual terms at which existing transactions could be liquidated or unwound or (iii) the calculation or estimate of an amount that would be payable following the designation of an early termination date under any agreement governing our trading relationship, and we do not warrant their completeness or accuracy.

Any valuations are derived from proprietary models based upon well-recognized financial principles and reasonable estimates about relevant future market conditions. Valuations based on other models or different assumptions may yield different results. J.P. Morgan expressly disclaims any responsibility for (i) the accuracy of the models or estimates used in deriving the valuations, (ii) any errors or omissions in computing or disseminating the valuations and (iii) any reliance on or uses to which the valuations are put. Note that in performing the calculations of the present value of all future cash flows for some instruments, it may have been necessary to make estimates about future market conditions. In these cases our calculations have been performed using J.P. Morgan’s best reasonable estimates of the relevant future market conditions, in accordance with our internal policies and models.

You acknowledge that J.P. Morgan does not give legal advice or tax advice. However, the Website may present general tax and estate planning information and principles in relation to the investments in the Structured Products. These general information and principles may not be applicable to your specific circumstances and financial position. You agree that these principles may not apply to your specific circumstances or take into account your comprehensive tax or estate planning situation.

There are numerous tax issues related to investing. You may want to consult with your tax advisor concerning your particular situation prior to making any investment. The information presented on this Website is not intended to supply tax, legal, or investment advice, and may not be accurate for all persons or, all kinds of Structured Products, securities or transactions.

The presentation of certain tax considerations relevant to the purchase, ownership and disposition of Structured Products is of a general nature only and does not address every potential tax consequence of an investment in derivative securities under all applicable laws. The summaries presented are based on treaties, laws, regulations, rulings and decisions in effect at the date of this writing, all of which are subject to change.

In particular, the precise tax treatment of an investor needs to be determined for each issue with reference to the full terms of the specific instrument. Such terms are specified in the relevant disclosure and are subject to the applicable tax law and practice at the relevant time. Investors should consult their own tax advisors on the tax consequences of the purchase, ownership, exercise and disposition of the Structured Products derivative securities.

Terms in these “Disclaimers and Terms and Conditions” are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region of the People’s Republic of China. By clicking the “Enter Website” icon, you agree to submit to the jurisdiction of the courts of Hong Kong in respect of any matters or disputes arising under this Website.

Privacy Principles

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use and protect your personal information when you visit or use this and other online services offered by J.P. Morgan that link to or reference this policy (collectively, our “online services”). Please note, however, that this Online Privacy Policy is not an exclusive statement of our privacy principles across all products and services. Other privacy principles or policies may apply depending on the financial products or services you obtain from us, or the jurisdiction in which we are doing business with you. You can access many of these policies using the links at the bottom of this page.

• We protect your information.
  We take our responsibility to protect the privacy and confidentiality of your information, including personal information, very seriously. We maintain physical, electronic and procedural safeguards that comply with applicable legal standards to secure such information from unauthorized access and use, alteration and destruction. We hold our employees accountable for complying with relevant policies, procedures, rules and regulations concerning the privacy and confidentiality of information.
• We endeavor to collect, use and maintain client information only for appropriate purposes.
  • The types of personal information we may collect from you when you visit or use our online services include your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a J.P. Morgan office near you), user name and password. We may also collect payment card information, Social Security numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.
  • In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. As explained in more detail in our Cookies Policy, we or our third-party partners may use cookies (as well as web beacons or other technologies) to collect and store this and other information about your visit to, or use of, our online services. We may later associate the usage and other information we collect online with personal information about you, as permitted or required by law.
  • We may also collect information about you from additional online and offline sources including commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy.
  • We may use the information we collect from you to help us deliver our online services; to administer, evaluate and improve our business (including developing new products and services, improving existing products and services, performing data analytics, and performing accounting, auditing and other internal functions); manage our risks; market our services and products; and to comply with and enforce applicable laws and regulations, relevant industry standards, contractual obligations and our policies. We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual clients) for various business purposes, where permissible under applicable laws and regulations.
• We respect and protect your privacy even when you’re on the go.
  For your convenience, J.P. Morgan offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites. When you interact with us through your mobile device, we may collect information such as unique device identifiers, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information, such as precise geolocation information.
• We share personal information with affiliates and with others when we believe it will enhance the services and products we can provide to you or for legal and routine business reasons.
  
  • We share personal information among our affiliates and business units when we believe it will enhance the services we can provide, but only in circumstances where such sharing conforms to law, any applicable confidentiality agreements, and our policies and practices.
  • We may disclose information we have about you as required or permitted by law. For example, we may share information with regulatory authorities and law enforcement officials when we believe in good faith that such disclosure is necessary to comply with legal requirements. We may share information with third parties where appropriate to protect against fraud or verify or enforce our terms of use, our other rights, or other applicable policies.
  • From time to time, we enter into agreements with other companies to provide services to us, or to make services and products available to you. Under these agreements, these companies may receive your personal information, but they must safeguard this information, and they may only use it for those purposes we specify.
  • We may share your personal information with any person or entity if we have your consent to do so.
• We may transmit, transfer or process information to, or through, any country in the world, as we deem necessary, appropriate or consistent with legal or regulatory obligations.
  As a global company, we strive to provide you with access to the highest-quality financial products and services wherever you are. To do this, we may share your personal information among members of the JPMorgan Chase & Co. family of companies or service providers that may be located outside your home country. Although the data protection laws of these countries may be less stringent than those in your own, J.P. Morgan will take appropriate steps to ensure your personal information is handled as described in this Online Privacy Policy.
• We provide you with relevant and appropriate choices regarding the sharing of personal information.
  We may give you choices regarding the sharing of personal information with affiliates and third parties. Choices you have about the sharing of your personal information will be described in the privacy policies or notices you receive in connection with the financial products or services you obtain from us.
• We offer you the opportunity to access and correct your information on file with us.
  Keeping your account information up-to-date is very important. You may review or update certain account information by logging in and accessing the “Client Center” section. If you cannot change the incorrect information online, or you prefer to request changes offline, please contact your J.P. Morgan representative using the contact information listed on your account statements, records or other account materials.
• We respect your decisions about the collection of personal information related to your online activities over time and across different websites for advertising purposes.
  J.P. Morgan does not allow unaffiliated third parties to collect personal information about your online activities when you visit our online services. Nor do we use personal information collected across non-affiliated websites for the purpose of serving you advertising related to your browsing behavior. If we engage in this practice in the future, we will provide appropriate notice and choice so that you may opt out of the practice.
• We tell you when our privacy policies and practices change.
  We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. All changes will become effective when posted unless indicated otherwise.

We may amend these Disclaimers and Terms and Conditions from time to time by posting the updated version on this Website, although we do not undertake to update this Website regularly. We also reserve the right to restrict, interrupt or terminate this Website. No other form of notification will be delivered to you.

A Chinese translation of this website is available. In the event of any inconsistency between the English version and Chinese translation, the English version shall prevail.

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