Additional Security Features

JPMorgan Chase takes extra care to safeguard your personal information.
The Federal Financial Institutions Examination Council (FFIEC) and the Office of the Comptroller of the Currency (OCC), our primary U.S. regulatory agency, issued new regulations that require financial institutions to implement additional security controls and authentication tools that are appropriate for all Internet-based products and services.

As a result, JPMorgan Chase is moving its Commercial Card Internet applications to dual-factor authentication that will help protect your Personally Identifiable Information.

What's Changing?
In May 2007, users of JPMorgan Chase web-based applications will be required to set up security questions. Upon entering their user name and password on the login screen, users will be directed to another page titled, "Additional Security Information". Users will be required to choose personal security questions and provide answers to those questions. In subsequent logins, users may periodically be prompted to answer their security questions to verify their identity.

The following applications will be affected by this change:

• MasterCard's Smart Data Online^TM (SDOL)
• ProCard PVS Net
• ProCard Pathway Net
• Account Center

What happens if I forget the answer to my security question?
If you provide an incorrect response more than 6 consecutive times to the security questions, your user account will be locked.

Whom do I contact if I get locked out of my account?
If you become locked out of your account, please contact your card program manager.

To learn more about how JPMorgan Chase is committed to protecting your personal information, please go to our Chase Security Center . Here you'll find details on how to protect yourself against identity theft, phishing and information on how you can report fraud.