Investor Day 2023

We are expanding our offerings to deliver more value for our clients and unlock higher margins KEY PRINCIPLES OUR STRATEGIC FOCUS AREAS Selected product examples, not exhaustive Embedded Finance ✓ Leverage our strong foundation of core capabilities, controls and scale FOR OUR CLIENTS' CLIENTS $ ✓ Address evolving client needs and personas ✓ Harness advanced AI/ML at scale to unlock value for us and our clients FOR OUR CLIENTS ✓ Capture higher margin opportunities, proportionate to the value delivered JPMORGAN CHASE & CO. + Live Upcoming Pilot Orchestrate complex money movement and embed banking services in platforms (e.g., Marketplaces, PayFacs) Onboarding SaaS by Industry Wallets bank accounts Managed Pay-Outs Merchant Lending Contextualized offerings that address needs of specific industries, either through proprietary (full stack) or partner (thin stack) offerings Healthcare Mobility Commerce Smart Energy Data and Capabilities as-a-Service New products that deliver enhanced experiences, more intelligence and better security for our clients FX-as-a-Service Payments Products Innovation Data-as-a-Service Security-as-a-Service Expanding core payments offerings facilitating global money movement and liquidity management Real-time payments Alternative payment methods Structured Trade JPM Coin Margin Expansion 31

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