Epstein Secrets

INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK NA. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS. INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED Page 1 of 16 Account rs held at

Securities LLC. Four Chase Metrotech Center, Brooldyn, N.Y. 11245-0001 MARGIN ACCOUNT If you are a customer with a margin account, you consent to JP Morgan's right (to the extent permitted by applicable law) to use. lend or pledge any securities held by J.P. Morgan Securities LLC in your margin account. I

nstructions of any other person authorized to act on your behalf. In each case and whether or not demand has been made therefor, you hereby authorize J.P. Morgan to charge your Account(s) for any and all such Costs, provided, however, that in no event shall you be obligated to pay Costs to the extent payment o

obtain a price from an internal or outside source for a particular ARS. the puce column on your statement will indicate -unpriceer A description of J.P. Morgan's practices and procedures regarding ARS is available at imiv.jramorgan.comfmuniars. Page 14 of 16 For questions, please contact us using the inform

ng short sales and lending the securities for short sales, and as a result may receive compensation in connection therewith. LARGE TRADE REPORTING The U.S. Securities and Exchange Commission ("SEC') Rule 13h-1 Large Trader Reporting System requires U.S. and non-U.S. market participants who meet the definition of 'Large Trader as of Octobe

INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK • OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS. INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED Page 1 of 14 Account is held at

$ecurities LLC. Four Chase Metrotech Center, Brooklyn, N.Y. 11245-0001 MARGIN ACCOUNT If you are a customer with a margin account, you consent to JP Morgan's right (to the extent permitted by applicable law) to use, lend or pledge any securities held by J.P. Morgan Securities LLC in your margin account. I

nstructions of any other person authorized to act on your behalf. In each case and whether or not demand has been made therefor, you hereby authorize J.P. Morgan to charge your Account(s) for any and all such Costs, provided, however, that in no event shall you be obligated to pay Costs to the extent payment o

obtain a price from an internal or outside source for a particular ARS. the puce column on your statement will indicate -unpricet A description of J.P. Morgan's practices and procedures regarding ARS is available at ivirov.ipmorgan.comMuniars. Page 12 of 14 For questions. please contact us using the inform

ng short sales and lending the securities for short sales, and as a result may receive compensation in connection therewith. LARGE TRADE REPORTING The U.S. Securities and Exchange Commission ("SEC') Rule 13h-1 Large Trader Reporting System requires U.S. and non-U.S. market participants who meet the definition of 'Large Trader' as of Octob

INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK NA. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS. INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED Page 1 of 16 Account is held at

Securities LLC. Four Chase Metrotech Center, Brooldyn, N.Y. 11245-0001 MARGIN ACCOUNT If you are a customer with a margin account, you consent to JP Morgan's right (to the extent permitted by applicable law) to use. lend or pledge any securities held by J.P. Morgan Securities LLC in your margin account. I

nstructions of any other person authorized to act on your behalf. In each case and whether or not demand has been made therefor, you hereby authorize J.P. Morgan to charge your Account(s) for any and all such Costs, provided, however, that in no event shall you be obligated to pay Costs to the extent payment o

obtain a price from an internal or outside source for a particular ARS. the puce column on your statement will indicate -unpriceer A description of J.P. Morgan's practices and procedures regarding ARS is available at imiv.jramorgan.comfmuniars. Page 14 of 16 For questions, please contact us using the inform

ng short sales and lending the securities for short sales, and as a result may receive compensation in connection therewith. LARGE TRADE REPORTING The U.S. Securities and Exchange Commission ("SEC') Rule 13h-1 Large Trader Reporting System requires U.S. and non-U.S. market participants who meet the definition of 'Large Trader as of Octobe

hares held in the Merrill Lynch Account, on March 17, 2008 for $3.4095 per share. 53. On March 31, 2008, JP Morgan and Bear Stearns announced that JP Morgan had completed its acquisition of Bear Stearns. As part of the JP Morgan announced accord, the Federal Reserve agreed to help it guarantee Bear Stear

C filings referred to herein had been certified by Cayne as the CEO. The 2007 10-K had been certified by Molinaro as CFO and Schwartz as CEO. 31. The U.S. Securities and Exchange Commission, Office of Inspector General, Office of Audits, in a Report entitled "SEC's Oversight of Bear Steams and Related Entities: The Consolidated Supervi