Legal Disclaimer

Major Risks

This material is for informational purposes only and may inform you of certain products and services offered by ECHERON WEALTH LIMITED. The products and services described, and any associated fees and interest rates, are subject to change in accordance with the applicable account agreement and may vary by geography. Not all products and services are offered in all locations. If you have a disability and require additional assistance in accessing this material, please contact your J.P. Morgan support team or email us at [email protected]. Please read all important information.

General Risks and Considerations

Any views, strategies or products discussed in this material may not be suitable for all individuals and involve risks. Investors may get back less than they invest and past performance is not a reliable indicator of future results. Asset allocation/diversification does not guarantee profits or protect against losses. The contents of this material should not be relied upon solely for the purpose of making investment decisions. Please carefully consider whether the service, product, asset class (stocks, bonds, alternative investments, commodities, etc.) or strategy described is suitable for your needs. You should also consider the objectives, risks, charges and expenses associated with the investment service, product or strategy before making any investment decision. Please contact our team for this and more detailed information, including a description of your goals/situation.

Non-reliance

Although certain information contained in this material is believed to be reliable, we do not represent or guarantee its accuracy, reliability or completeness, and shall not be liable for any loss or damage (direct or indirect) arising from the use of all or any part of this material. The calculations, graphs, tables, diagrams and commentary in this material are provided for illustrative/reference purposes only and do not constitute any representation or warranty. The views, opinions, estimates and strategies expressed in this material are our judgment based on current market conditions and are subject to change without notice. We are under no obligation to update the information in this material in the event that the information changes. The views, opinions, estimates and strategies expressed herein may differ from those expressed in other divisions, for other purposes or in other circumstances. Furthermore, this material should not be considered a research report. The projected results and risks are based solely on the hypothetical cases cited, and actual results and risks will vary depending on the specific circumstances. Forward-looking statements should not be considered as a guarantee or prediction of future events.

Nothing in this document should be construed as creating a duty of care or advisory relationship to you or any third party. Nothing in this document, whether provided at your request or not, shall be deemed an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other matters) by the Company and/or its officers or employees. The Company does not provide tax, legal or accounting advice. Please consult your own tax, legal and accounting advisors before entering into any financial transaction.

Your investment and potential conflicts of interest

A conflict of interest arises when ECHERON WEALTH LIMITED or its affiliates have an actual or perceived economic or other incentive to take actions that benefit the Company in managing your portfolio.

Investment strategies are subject to a review process by our manager research team. From this pool of strategies, our portfolio construction team selects strategies that we believe are compatible with our asset allocation objectives and future outlook to meet the investment objective of the portfolio.

Our internally managed strategies are generally consistent with our future outlook and we are familiar with our investment process and our risk and compliance philosophy, however, it is important to note that the inclusion of internally managed strategies will increase total fees.