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JPMorgan Chase & Co. FAQs Regarding Evidence of Coverage for JPMorgan Chase & Co. 1. What is an Evidence of Coverage (EOC)? An EOC is an ACORD certificate of insurance that is available on the internet. The certificate is issued to the Named Insured rather than to a Certificate Holder. 2. What are the key benefits of an EOC document? • It is available 24 hours a day, 7 days a week (subject to web site maintenance and updates). • No waiting for verification of coverage. • The online process simplifies the generally paper- intensive Certificate process, although a recipient can print a hard copy EOC if desired. • Neither our client nor Aon need to track or respond to requests. 3. How long will the EOC be available for access? For the duration of the policy, unless otherwise requested by JPMorgan Chase & Co. or Aon. 4. What happens at renewal time when coverage expires? Based on instructions to the Aon service team by JPMorgan Chase & Co., Aon will post a new EOC when coverage renews. The policies stated in the EOC are in force as of the date printed on the EOC. The username and password will remain unchanged unless our client has requested this and you are thus provided with a new one. 5. What if the EOC does not meet my needs and I require a certificate to be issued with my firm as the certificate holder? Contact information is provided on the EOC page for each client. Please contact those listed to discuss your needs. 6. Can the EOC document be printed? Yes. Click on the Printer icon from the Adobe menu bar and the page is formatted to print on 8 %" x 11" paper. 7. When was the standard ACORD form introduced for EOC? Beginning in January 2012, EOCs are produced in the format of a standard ACORD certificate form. 8. How do I know if I have Additional Insured status if my company's name does not appear on the EOC? If Additional Insured status is granted, it is granted by a blanket Additional Insured Endorsement to the policy. Insurance maintained by JPMorgan Chase & Co. provides Additional Insured status where required, per the terms of signed contracts, leases and /or agreements. The EOC indicates that the insurance policies have been extended to provide Additional Insured status to those entities with whom JPMorgan Chase & Co. has a written contract in place. Please review the Description of Operations section of the EOC carefully as it lists a number of specific policy provisions provided to those parties that have a written contract in place with JPMorgan Chase & Co., including: A. Blanket Additional Insured where required B. Coverages are primary and non - contributory where required C. Blanket Contractual Liability D. Host Liquor Liability is included in the General Liability policy E. Waiver of Subrogation is included where required F. The Landlord, Landlords Agent(s), Landlords Lender(s), Ground Lessor(s), Vendors, Clients, and any other party as required by the signed contract, lease and/or agreement are listed as additional insured as their interests may appear and when applicable. 9. What are the financial ratings of the carriers listed on the EOC? Ratings are available through A.M. Best Company at www.ambest.com. The financial ratings of the carriers are not guaranteed.