Accountability and Transparency in Meeting Our Commitment We are holding ourselves accountable to achieving our Racial Equity Commitment. We have established a robust reporting and governance process for tracking our commitment and plan to publicly share our progress in future ESG reports. We also announced we intend to retain a third-party to perform an audit of this effort and plan to prepare and publish a report based on the results of the audit by the end of 2022. The Firm’s Community Impact organization serves as the cross- line-of-business group responsible for reviewing and reporting on the activities that align to the Racial Equity Commitment. The governance team consists of: executive owners from each line of business with accountability to both the Chief Executive Officer ("CEO") and the Community Impact team; community teams that are responsible for on-the-ground implementation in partnership with local market leadership teams; and the executive leadership team with CEOs from each line of business. The Public Responsibility Committee of the JPMorgan Chase Board of Directors provides oversight of this work and is briefed periodically on the Firm’s progress. The Firm's Public Engagement team is dedicated to connecting with external stakeholders, including civil rights organizations, consumer policy groups, non-profit organizations, civic leaders, trade associations and diverse chambers of commerce. In addition to ongoing relationship building, the Public Engagement team facilitates the Chase Advisory Panel ("CAP") program, a series of regular conversations between stakeholders and JPMorgan Chase senior executives. The CAP program is grounded in the Firm's commitment to including diverse voices in the development of products, services and approaches, including accountability for racial equity. In 2021, Public Engagement connected with over 200 stakeholders around the Racial Equity Commitment. What’s Next INCREASE HOMEOWNERSHIP Continue our efforts to help expand homeownership for Black, Hispanic and Latino households and, in doing so, help to stabilize and revitalize communities across the country. We will continue to execute and enhance our six-pillar community and affordable strategy focused on enhancing products; increasing our people; expanding our presence, partnerships and promotion; and supporting housing policy reform. The Firm plans to continue prudently expanding Federal Housing Administration ("FHA") lending and supporting policy reforms to the FHA program, including servicing standards. EXPAND AFFORDABLE RENTAL HOUSING Explore innovative financing solutions and work with new public resources to support the development of vital community facilities and new housing for individuals and families earning a wider range of incomes than conventional projects serve. Additionally, the Firm will continue to make data-driven policy recommendations aimed to preserve and increase the availability of and equitable access to affordable housing for renters. GROW SMALL BUSINESSES Plan to further expand access to credit through targeted adjustments to how the Firm evaluates credit applications and introduces new product offerings. The Firm plans to also hire additional senior business consultants and expand the free one-on-one coaching program to additional cities. The Firm plans to also expand the digital lending product more broadly and continue to promote policies that would improve access to capital. IMPROVE FINANCIAL HEALTH AND ACCESS TO BANKING Continue efforts to improve the financial health and resiliency of our customers and communities. The Firm plans to continue to open more branches, including Community Center branches in low-to-moderate income communities, hire additional Community Managers and host more financial health workshops and community events to reach more people across the country. INVEST IN MDIS AND CDFIS Each MDI and CDFI is onboarded as a client and connected to the Firm’s expertise, network and advisory support – including the Firm’s Advancing Black Pathways Fellows and Service Corps volunteers. 24 INTRODUCTION ENVIRONMENTAL SOCIAL Feature: Our Commitment to Racial Equity Diversity, Equity & Inclusion Human Capital Inclusive Growth GOVERNANCE ESG REPORT APPENDICES