CHASE 0 Mdoigan Chase Bank, N A. P 0 Box 659754 San Antonio, TX 78265 -9754 A00656217156/ 00071452DRE 802 21915312 ENNENNNYNY3000000000 64 0000 AVROOP LLC 301E 66Th ST API' I1E NEW YORK NY 10065 -6217 No overdraft fon for purchases of 55 or less May Oh 2012 through May 31, 2012 Primary Account. CUSTOMER SERVICE INFORMATION Web site: Chase coin Service Center 14004424338 Deaf and Hard of Hearing: 1400-242-7383 Para Espanol I-888422-4273 International Calls I -711452.1679 Good news, we re making changes to help you avoid fees For purchases of 55 or less that overdraw your account, we II no longer charge you on Insufficient Funds Foe, Returned lien Fee, or Overdraft Protection Transfer Fee. This n in addition to our email policy of not charging those fees if your account is overdraws by 55 or less at the end of the busmen day Effective July 22,'3012, these changes will be incorporated into the Additional Banking Services and Fees document as follows In the Adagaggal hint:fry Oentien and Fee., In the section called Insufficient Funds. Rained Items. and Stop Payments the fee descriptions will be changed to. Insufficient Funds and Returned Ilan Fees We will not charge an Insufficient Reds Foe if your ending account balance is overdrawn by Bt a less. Additionally. even if your ending account balance is overdrawn we will not charge an Insufficient Funds or Re-Wined Item Fee fa any item that es 55 or less. Overdraft Protection Transfer Fee We will not charge an Overdraft Protection Transfer Fee if your aiding account balance, before any Overdraft Protection Transfers are made. is owsrdzawn by $5 or less or the Overdraft Protection transfer resulted from transactions that are all 55 or less. Pease note that there will be no change to the amount of these fees All other terms of your account agreement remain the same. If you have any questions. please call us at the telephone number knot on this statement or visa your nearest Chase branch (Mange in fees for non Chase NMI transactions Good news Starting July 22. 2012. we will reduce the number of non-Chase ATM fees charged when you perform balance inquiries or account transfers at a minChase ATM For transactions performed by the 'tarn< card at the same terminal within a 15 minute tune period balance inquiries and account transfers will not incur a fee if done in conjunction with a withdrawal. If only transfers and inquiries are performed only one non-Chase ATM fey will be charged Other than this reduction in the number of fees charged for anquines and transfers. there are no other changes to the Non-Chase ATM fee As a reminder. the owner of the non-Chase ATM may impose an additional charge These changes will be reflected in your account agreement. All other tarns of your amount agreement remain the same. If you have any questions, please call us at the telephone number listed on this statement or visit your neatest Chase branch Page 1 ofn Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00054457 SDNY_GM_00323655 EFTA01525797