EFTA01510318.pdf

For the Period 10/1/11 to 10/31/I I Free credit balances in your margin account(s) are not segregated and may be used in the operation of JPMCC5 business, subject to the limitations of SEC Rule 150-3. Unless otherwise noted. JPMCC or its agents and depositories will hold your securities. Upon your demand. JPMCC will pay to you the amount of your free credit balance, and will deliver to you fully-paid securities held on your behalf. Interest will be charged on any debit balance; the method of calculating interest is described in a letter sent to all margin customers. J.P.Morgan Disclosures Page 5 of 5 Page 17 of 17 Confidential Treatment Requested by JPMorgan JPM-SDNY-00035981 Chase CONFIDENTIAL SDNY_GM_00305179 EFTA01510318