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You must read the following information before proceeding. The following important information, in conjunction with the separate Terms of Use, governs your use of this website. Your use of this website and Content (defined below) constitutes your acceptance of those terms of use. If you do not agree with the terms of use, you should immediately cease use of this website and review of Content. When used herein, “we” and “our” means J.P. Morgan Asset Management [JPMAM] and its affiliates worldwide and “you” and “your” refers to any individual, company, or legal entity that accesses or otherwise uses this website. All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress (“Content”) is owned or licensed by JPMAM. J.P. Morgan Asset Management may offer advisory services in jurisdictions where it has received appropriate licenses to offer such services. This website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited. Persons in respect of whom such prohibitions apply must not access the website.

The information contained in this website is intended for useby Institutional Investors in the United States only. It is not intended for use by non-U.S. entities or for retail investors.  “Institutional Investor” would include pension funds, investment company registered under the investment Company Act of 1940, Financial Intermediaries, Consultants, Endowments & Foundations and investment advisors registered under the investment Advisors Act of 1940,    After you have read the information herein, you  will be instructed to click to: 1) acknowledge that you are an “institutional investor” 2) that you accept the information herein, as well as  the Terms of Use , the Privacy/Security and Cookie policies set out below and,  3) accept the delivery of this website in English.

Certain content has been obtained from sources that JPMAM believes to be reliable as of the date presented; however, JPMAM cannot guarantee the accuracy of such content, assure its completeness, or warrant that such information will not be changed. The content contained herein is current as of the date of issuance (or such earlier date as referenced herein) and is subject to change without notice. JPMAM has no obligation to update any or all such Content; nor do we make any express or implied warranties or representations as to its completeness or accuracy. Any Content presented regarding the affiliates of JPMAM is presented purely to facilitate an organizational overview and is not a solicitation on behalf of any affiliate. The content is not intended as an offer or solicitation with respect to the purchase or sale of any security or other financial instrument or any investment management services. The content does not constitute investment advice and should not be used as the basis for any investment decision.

The content does not take into account individual Institutional Investor circumstances, objectives or needs. No determination has been made regarding the suitability of any securities, financial instruments or strategies for any Institutional Investor. The content is provided on the basis and subject to the explanations, caveats and warnings set out in this notice and elsewhere herein. The Content does not purport to provide any legal, tax or accounting advice. Any discussion of risk management is intended to describe JPMAM’s efforts to monitor and manage risk but does not imply low risk.

RISKS ASSOCIATED WITH INVESTING. The price of equity securities may rise or fall because of changes in the broad market or changes in a company’s financial condition, sometimes rapidly or unpredictably. These price movements may result from factors affecting individual companies, sectors or industries selected for the portfolio or the securities market as a whole, such as changes in economic or political conditions. Equity securities are subject to “stock market risk” meaning that stock prices in general (or in particular, the prices of the types of securities in which a portfolio invests) may decline over short or extended periods of time. When the value of a portfolio’s securities goes down, an investment in a fund decreases in value. There is no guarantee that the use of long and short positions will succeed in limiting a strategy’s exposure to domestic stock market movements, capitalization, sector-swings or other risk factors. Investing in emerging markets carry additional risk relative to investments in developed markets. Investment in a portfolio involved in long and short selling may have higher portfolio turnover rates. This will likely result in additional tax consequences. Short selling involves certain risks, including additional costs associated with covering short positions and a possibility of unlimited loss on certain short sale positions. Fixed income investing is subject to the risk that a counterparty will fail to make payments when due or default completely. If an issuer’s financial condition worsens, the credit quality of the issuer may deteriorate making it difficult for an investor to sell such investments. Changes in foreign currency exchange rates will affect the value of fixed income securities .For example, when the value of the U.S. dollar rises in value relative to a foreign currency, an investment in that country loses value because that currency is worth fewer U.S. dollars. Devaluation of a currency by a country’s government or banking authority also will have a significant impact on the value of any investments denominated in that currency. Currency markets generally are not as regulated as securities markets. High yield fixed income securities are considered to be speculative and are subject to greater risk of loss, greater sensitivity to economic changes, valuation difficulties and potential illiquidity. Loans are subject to additional risks including subordination to other creditors, no collateral or limited rights in collateral, lack of a regular trading market, extended settlement periods, liquidity risks, prepayment risks, and lack of publicly available information.  Derivatives, including futures contracts, options, swaps, credit default swaps, forward contracts and currency forwards, may be riskier than other types of investments and may increase the volatility of a portfolio. Derivatives may be sensitive to changes in economic and market conditions and may create leverage, which could result in losses that significantly exceed the original investment. Derivatives create exposure to counterparty risk, which is the risk that the derivative counterparty will not fulfill its contractual obligations (and includes credit risk associated with the counterparty). Certain derivatives are synthetic instruments that attempt to replicate the performance of certain reference assets. With regard to such derivatives, an investor does not have a claim on the reference assets and is subject to enhanced counterparty risk. Derivatives may not perform as expected, so an investor may not realize the intended benefits. When used for hedging, the change in value of a derivative may not correlate as expected with the currency, security or other risk being hedged. In addition, given their complexity, derivatives can be mispriced or improperly valued.

Conflict of interest: JPMAM and its affiliates may make investment decisions that are inconsistent with the recommendations or views expressed herein, including for proprietary accounts of JPMAM or its affiliates. JPMAM and its affiliates may have investment advisory or other business relationships with the issuers of securities referenced herein. JPMAM and its affiliates, officers, directors and employees may from time to time have long or short positions in and buy or sell securities or financial instruments referenced herein. JPMAM affiliates may develop and publish research that is independent of, and different than, the recommendations contained herein. JPMAM personnel other than those involved in the creation of the website or Content, such as sales, marketing and trading personnel, may provide oral or written market commentary or ideas to JPMAM’s clients or prospects or proprietary investment ideas that differ from the views expressed herein. 

Attestation: You further expressly acknowledge that you have checked and confirm that you; (i) are legally entitled to view this website; (ii) a legal entity and not an individual; and (iii) understand that the information on the website is not a promotion and that you will not treat it as such. In no event shall JPMAM or any other party be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your use of this website. 

Distribution: J.P. Morgan Funds are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds. JPMorgan Distribution Services, Inc. is a member of FINRA.

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PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH ON THIS WEBSITE. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. WE WILL NOTIFY YOU OF AMENDMENTS TO THESE TERMS AND CONDITIONS BY POSTING THEM TO THE WEBSITE AND YOU AGREE TO BE BOUND BY SUCH AMENDMENTS AS WELL. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

Unauthorized use of J.P. Morgan's websites and systems including but not limited to unauthorized entry into J.P. Morgan's systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

You acknowledge that J.P. Morgan may disclose and transfer any information that you provide through this website to (i) any company within the J.P. Morgan group, its affiliates agents or information providers; (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, and by using and providing information through this website you agree to such transfers. Any information about you that we provide through this website to third parties will comply with applicable law within the various regions.

Use of this website may be monitored, tracked and recorded. Anyone using this website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of these Terms and Conditions posted on the Website during each session

Authorized Users and, Authorized

The information on this website is intended to be accessed exclusively by Institutional Investors, as defined in each region. This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons in respect of whom such prohibitions apply must not access this website. It is the responsibility of any persons who access the information contained herein to observe all applicable laws and regulations of their relevant jurisdiction. By proceeding, you are representing and warranting that the applicable laws and regulations of your jurisdiction allow you to access the information.

Authorized Use - No solicitations

The information contained in this website does not constitute a distribution, an offer to sell or the solicitation of an offer to buy any securities, nor is the information directed at any jurisdiction in which such offer, sale or recommendation is not authorized.

Authorized Use - No investment recommendations or professional advice

The information contained in this website does not constitute investment advice. An investment in strategies mentioned in this website may not be suitable for all investors and if you are unclear about any of the information on this website, please consult a J.P. Morgan Asset Management representative.

Content and Downloading Disclaimers

We believe that the information contained on the website is accurate as at the date of publication, however no warranty is made as to the accuracy, suitability, usefulness, reliability or completeness of any such information and no liability in respect of any errors or omissions (including any third party liability) is accepted by us or any of our directors or employees. The use of this website and the delivery ("Delivery") of information or documents by us or our agents through this website or via electronic mail or other modes of delivery, is at your own risk. No warranty is given that the content of this website and the Delivery (including any such information) will be error free or that this website or any servers that operate it or the Delivery are free of computer viruses or other harmful components.

Reasonable precautions have been taken to ensure that website content, including account information and pricing data, are complete and accurate. However, due to the nature of information delivery technology and the necessity of using multiple data sources, including third party content, we are unable to assure the accuracy of the data you access through this website. Website content is presented only as of the date published or indicated and may be superseded by subsequent market events or other reasons. We have no duty to update this website or any website content. We shall not be liable to you or any third party for any damages arising from any actions or investment decisions taken by you based on the accuracy (or otherwise) of the data presented through this website. We (including our directors and employees) may or may not have a position in or with respect to the securities mentioned herein.

Third Party Content Providers, Sites, Referrals, Hyperlink Policy and Disclaimers

For informational or educational purposes, or as a service and convenience to you, this website may provide referral information, third party content or live links to an unaffiliated third party and their websites, including companies that have a relationship with us.

Our decision to provide referral information to a third party or to pass on an offer made by a third party vendor or to provide a link from our website to a third party website is not an endorsement of the third party, their products or services, or their website accessed through any such links. We are not responsible for the opinions, ideas, products, information, or services offered at such sites. We make no representations or warranties, express or implied, as to third party products, services, content, tools, information and website, and do not guarantee their accuracy, timeliness, completeness, reliability, suitability or usefulness for any particular purpose as we have no control over the content on such non proprietary websites. We advise and encourage you to do your own research and make your own assessment. We do not 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. Your access, use and reliance upon such content, products or services is at your own risk.

Links to non-J.P. Morgan Websites are provided solely as pointers to information on topics that may be useful to users of the J.P. Morgan Websites, and J.P. Morgan has no control over the content on such non-J.P. Morgan Websites. If you choose to link to a Website not controlled by J.P. Morgan, J.P. Morgan 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 J.P. Morgan 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. J.P. Morgan does not guarantee the authenticity of documents on the Internet. Links to non-J.P. Morgan 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.

Copyright notices

The works of authorship contained in the jpmorganfleming.com/am website (the "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"). 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 J.P. Morgan's prior written consent.

Trademark notices

"J.P. Morgan," "JPMorgan Chase," "J.P. Morgan Asset Management," 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.

Web content and materials

The information on this Website is for information purposes only. It is believed to be reliable, but J.P. Morgan does not warrant its completeness, timeliness or accuracy. The information on the Website is not intended as an offer or solicitation for the purchase of JPMorgan Chase stock, any other security or any financial instrument.

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. 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.

The chase.com website, the jpmorganchase.com website or other J.P. Morgan websites contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. In addition, certain portions or pages of this Website 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 Website that are contrary to applicable law, regulation or the terms of any agreements you have with J.P. Morgan and (ii) in circumstances where locations of the Website require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

J.P. Morgan 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 J.P. Morgan does not undertake any obligation or responsibility to update or amend any such information. J.P. Morgan reserves the right to terminate any or all Website information, offerings or transmissions without prior notice to the user. Furthermore, by offering this Website and information, products, or services via the Website, no distribution or solicitation is made by J.P. Morgan to any Website or such information, products, or services in jurisdictions where the provision of the Website and such information, products, services is prohibited by law.

Suitability and Appropriateness

Securities or financial instruments mentioned in the Website may not be suitable or appropriate for all investors or in all geographical areas. Your particular needs, investment objectives and financial situation were not taken into account in the preparation of this Website and the materials contained herein. You must make your own independent decisions regarding any securities or financial instruments mentioned herein. The fact that JPMorgan has made available to you through the Website, investment opinions and other information constitutes neither a recommendation that you enter into a particular transaction nor a representation that any financial instrument is suitable or appropriate for you. You should consider whether an investment strategy or the purchase or sale of any product is appropriate for you in the light of your particular investment needs, objectives and financial circumstances.

Potential disruption of service

• Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:
• hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
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• governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
• any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of J.P. Morgan.

If access to this Website is unavailable, delayed or limited, or if this Website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with J.P. Morgan, and such communications are disrupted or delayed, you may suffer losses.

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" AND "AS AVAILABLE". WE, OUR AFFILIATES, AND ANY THIRD PARTY DATA PROVIDERS:

• ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE;
• 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 A PARTICULAR PURPOSE;
• 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; AND
• WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS 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 OUR CONTROL.

NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING OUR RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL WE 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 WE HAVE 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.

Legal entity disclosure

J.P. Morgan Asset Management is the marketing name for the asset management business of JPMorgan Chase & Co. and its subsidiaries and affiliates worldwide. This website is issued in the United States, by J.P. Morgan Investment Management Inc. or J.P. Morgan Alternative Asset Management, Inc., both regulated by the Securities and Exchange Commission; in Latin America, for intended recipients’ use only, by local J.P. Morgan entities, as the case may be; in Canada, for institutional clients’ use only, by JPMorgan Asset Management (Canada) Inc., which is a registered Portfolio Manager and Exempt Market Dealer in all Canadian provinces and territories except the Yukon and is also registered as an Investment Fund Manager in British Columbia, Ontario, Quebec and Newfoundland and Labrador. In the United Kingdom, by JPMorgan Asset Management (UK) Limited, which is authorized and regulated by the Financial Conduct Authority; in other European jurisdictions, by JPMorgan Asset Management (Europe) S.à r.l. In Asia Pacific (“APAC”), by the following issuing entities and in the respective jurisdictions in which they are primarily regulated: JPMorgan Asset Management (Asia Pacific) Limited, or JPMorgan Funds (Asia) Limited, or JPMorgan Asset Management Real Assets (Asia) Limited, each of which is regulated by the Securities and Futures Commission of Hong Kong; JPMorgan Asset Management (Singapore) Limited (Co. Reg. No. 197601586K), which this advertisement or publication has not been reviewed by the Monetary Authority of Singapore; JPMorgan Asset Management (Taiwan) Limited; JPMorgan Asset Management (Japan) Limited, which is a member of the Investment Trusts Association, Japan, the Japan Investment Advisers Association, Type II Financial Instruments Firms Association and the Japan Securities Dealers Association and is regulated by the Financial Services Agency (registration number “Kanto Local Finance Bureau (Financial Instruments Firm) No. 330”); in Australia, to wholesale clients only as defined in section 761A and 761G of the Corporations Act 2001 (Commonwealth), by JPMorgan Asset Management (Australia) Limited (ABN 55143832080) (AFSL 376919).

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 J.P. Morgan.

The user's access to and use of the Website, and the terms of this disclaimer are governed by the laws of the various jurisdictions listed above.

Privacy

J.P. Morgan Chase & Co. (“JPMorgan”) and its affiliates are fully committed to protecting the privacy interests of individuals who provide us with information about themselves and to complying with the requirements of each jurisdiction’s Personal Data Privacy Laws. In doing so, we instruct our staff to comply with strict internal standards of security and confidentiality.

By providing us personal data (including sensitive data), you accept that your personal data be processed by us for the purposes described in this Data Privacy Policy. You further accept that your personal data be shared between the entities of the JP Morgan Group and that your personal data be therefore transferred and processed in countries where the level of protection of personal data is not always equivalent to the level of protection that may be provided in your own country.

THE PERSONALLY IDENTIFIABLE INFORMATION ("PI Information") which we collect at the web site may comprise any or all of the following:

i. the IP address of the visitor's personal computer; the country from which the inquiry is made; the pages visited; the time at which a visit is made and the browser type; and ii. certain personal details of the visitor (these may for instance include his/her name;); contact details; whether the visitor holds any professional licenses, e-mail address and wishes to receive information and if so, what kind of information. This PI information, when collected, is not electronically encrypted.

PI INFORMATION RECEIVED BY J.P. MORGAN ASSET MANAGEMENT (“JPMAM”) MAY BE USED BY JPMAM and/or any of JPMAM's holding companies, subsidiaries or associated companies, throughout the world for administering relationships and related services; Operational purposes, and statistical analysis (including behaviour analysis); Conducting market or customer satisfaction research; Providing individuals with information concerning products and services which we believe will be of interest; Compliance with any requirement of law, regulation, associations, voluntary codes we decide to adopt, or good practice, anywhere in the world; Confirming and verifying an individual’s identity (this may involve the use of a credit reference agency or other third parties acting as our agents) and to conduct due diligence. We may also screen against publicly available government and/or law enforcement agency sanctions lists. The detection, investigation and prevention of fraud and other crimes or malpractice. For the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), for obtaining legal advice or for establishing, exercising or defending legal rights., JPMAM may transfer or disclose that information to any organization in our JP Morgan group of companies, their agents, auditors, service providers, regulators, governmental or law enforcement agencies or any person we reasonably think necessary for the processing purposes outlined above. To actual or potential purchasers of parts of our business, and their respective advisers and insurers, and in relation to the transfer of our contractual rights and/or obligations.  If we or any person to whom we disclose personal data otherwise have a right or duty to disclose the personal data, or are allowed or compelled by law to do so. For example, financial institutions and payments and messaging service providers may from time to time be required, under subpoena or otherwise, to provide certain transaction information to authorities or other official bodies, whether located in your local jurisdiction or overseas, to assist in the prevention of terrorism, money laundering and other crimes.. We operate globally and therefore personal data may be processed and disclosed as described above in any country in which we conduct business or have a service provider. This may include some countries that do not provide the same statutory protection for Personal Data as your local jurisdiction. .JPMAM will cease to use your PI Information for direct marketing purposes if you request us to do so.

JPMAM’S POLICY IS TO RESTRICT ACCESS TO PI INFORMATION concerning individuals to employees and agents who have a need to use that information and who have been instructed to handle such information properly and observe confidentiality.

AN INDIVIDUAL OR ANOTHER PERSON PERMITTED UNDER THE LAW on his/her behalf has the right to be informed by JPMAM whether it holds PI Information about that individual and to request access to and/or correction of any such PI Information. In order to deal with any such request, we will require evidence from you that you are the individual in respect of whom the request is made or a person permitted under the local law to make the request on that individual's behalf. We will deal with any such request as soon as possible.

Cookies policy

This site uses cookies to store information on your computer. This policy explains how we use cookies and may be amended, from time to time, without notice. By using this site you agree to the placement of cookies on your computer in accordance with the terms of this policy. If you do not wish to accept cookies from this site please either disable cookies or refrain from using this site. Please note that by disabling cookies in your browser settings this site may not function correctly.

1. What are Cookies?

A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can recognise you when you revisit and remember certain information about you. This can include which pages you have visited, choices you have made from menus, any specific information you have entered into forms and the time and date of your visit.

1. Our use of Cookies

This website uses these types of cookies:

• Strictly necessary cookies: these cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided.
• Performance cookies: these cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.
• Functionality cookies: these cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.
• Advertising cookies: the AdWords remarketing functionality allows us to display banners ads on third-party websites to our website’s visitors.  We use the AdWords remarketing tags which set information within a doubleclick.net cookie.  Doubleclick.net is the domain that serves ads for Google’s Display Network.  Google serve their ads based on a visitor’s interests and you can find out more information by reading their ad preferences:

• Google Ads Preferences

Google's doubleclick.net cookie is used for conversion tracking purposes, to track the performance of AdWords campaigns.  If you visit certain pages on our website within 30 days of clicking on one of our ads, Google will be able to tell that your visit was a result of a click on one of these ads.  If you'd like to know more about how Google handles information gathered from the use of cookies, please read their privacy policy:

• Google Privacy Policy

To ensure that you are using this site with full and up-to-date information of how we use cookies please review this policy regularly as any amended policy will be updated on the site.

1. Refusing Cookies on this Site

Most browsers are initially set to accept cookies. However, you have the ability to disable cookies if you wish, generally through changing your internet software browsing settings. It may also be possible to configure your browser settings to enable acceptance of specific cookies or to notify you each time a new cookie is about to be stored on your computer enabling you to decide whether to accept or reject the cookie. To manage your use of cookies there are various resources available to you, for example the “Help” section on your browser may assist you. As our cookies allow you to access some of our website’s essential features we recommend that you leave cookies enabled, otherwise, if cookies are disabled, it may mean that you experience reduced functionality or will be prevented from using this site altogether.

• Further Reading
  • Useful information about cookies can be found at:
    http://www.allaboutcookies.org
  • Information on the International Chamber of Commerce UK "UK cookie guide" can be found on the ICC website section:
    http://www.international-chamber.co.uk/our-expertise/digitaleconomy

Your privacy is important to us. Different privacy principles may apply depending on how you interact with us, the financial products or services you may ultimately obtain from us or the jurisdiction in which we are doing business with you. You can access these Privacy Notices by going to this page: https://am.jpmorgan.com/global/privacy

If you are a person with a disability and need additional support in viewing the material, please call us at 1-800-343-1113 for assistance.

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