EPSTEIN
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When we are unable to obtain a current value from an internal or outside source for a particular security, the price column on your statement will indicate "unprioed".
If a partial call is made with respect to an issue of securities included In your Accounts we will allocate the call by a method we deem fair and equitable.
To the extent applicable, please note the following regarding estimated annual income (EAI) and estimated yield (EY): EAI and EY for certain types of securities could include a return of principal or
capital gains in which case the EAI and EY would be overstated. EAI and EY are estimates and the actual income and yield might be lower or higher than the estimated amounts. EY reflects only the
income generated by an investment. It does not reflect changes in its price. which may fluctuate.
Offshore Deposits - London and Nassau
J.P. Morgan
Disclosures Page 1 of 4
Confidential Treatment Requested by JPMorgan
Chase
CONFIDENTIAL
JPM-SDNY-00026758
SDNY_GM_00295956
EFTA01502295
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sr. . 'teed,
For the Period 2/1/13 to 2/28/13
Contact your J.P. Morgan Team at one of the telephone numbers on the front of your statements or write us at J.P. Morgan, 500 Stanton Christiana Road. 11OP53, Newark. DE 19713-2107 as soon as
you can. if you think your statement is wrong or if you need more information about a transfer on the statement. We must hear from you no later than 60 days alter we sent you the FIRST statement on
which the error or problem appeared. (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an
error or why you need more information. (3) Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business
days (or 20 business days for new accounts) to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete
our investigation.
In Case of Errors or Questions About Non-Electronic Transfers (Checks or Deposits)
Contact JPMorgan Chase Bank. N.A. ("JPMCB") Member FDIC immediately if a statement is incorrect or if you need more information about any non-electronic transactions (checks or deposits) on this
statement. If any such error appears. you must notify the bank in writing as soon as possible after your statement was made available to you. For more complete details, see the applicable account
agreements and appendices that govern your account.
Deposit products and services are offered by JPMCB Member FDIC.
You must promptly advise your J.P.Morgan representative of material changes in your investment objectives or financial situation or if you wish to modify the management of your account. Unless you
inform otherwise, your J.P.Morgan representative will consider the information currently in its files to be complete and accurate.
With reference to JPMS and JPMCC: A financial statement of this organization is available to you for personal inspection at its offices, or a copy will be mailed to you upon written request.
You should have received (or have made available to you) separate confirmations for each securities transaction. All transactions are subject to the terms and conditions stated on the reverse side of
such confirmations and are subject to the constitution, by-laws, customs and interpretations of the marketplace where executed and governed by and construed in accordance with the laws of the State
of New York and all applicable federal laws and regulations. Further information with respect to commissions and other charges related to the execution of transactions, including options transactions,
has been included in confirmations that were previously furnished or have made available to you. Upon written request, JPMS will promptly supply you with the latest information.
IMPORTANT ADDITIONAL INFORMATION APPLICABLE ONLY TO YOUR MARGIN ACCOUNT(S)
All positions in your Margin Account Portfolio(s) are held in custody at J.P. Morgan Clearing Corp. (-JPMCC"), Three Chase Metrotech Center, Brooklyn, NY 11246-001, (347) U3.2678.
If you have a margin account as permitted by law we may use certain securities in such account for, among other things, settling short sales and lending the securities for short sales, and as a result may
receive compensation in connection therewith.
Please keep the following in mind when using a statement to track your brokerage activity in a margin account: The statement combines your general margin account with the special memorandum
account required by Section 220.6 Regulation T. As required by Regulation T. a permanent record of your separate account is available upon your request.
Free credit balances in your margin account(s) are not segregated and may be used in the operation of JPMCCs business, subject to the limitations of SEC Rule 15c3-3. Unless otherwise noted. JPMCC