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kiig 2 3 Janet Young wa Mashocoo (700)634-1310 For &sigma after business hen; 7 days ri week. (800)5764520? Chase Savings 5 Deaf and had of Heating (800)2424383 Online access www.morpnoaline 03M J.P.Morgan Page I of 6 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SD

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o not express dissatisfaction. (ASHRAE 62.1-2007) Minimum efficiency reportingvalue (MERV) is a filter rating established by theAmerican Society of Heating, Refrigerating, and Air Conditioning Engineers (ASHRAE 52.2-1999, Method of Testing General Ventilation Air Cleaning Devices for Removal Efficiency

the ground; drippers are laid on or below grade. Minimum efficiency reporting value (MERV) is a filter ratingestablished bythe American Society of Heating, Refrigerating, and Air-Conditioning Engineers (ASHRAE 52.2-1999, Method of Testing General Ventilation Air Cleaning Devices for Removal Efficiency

gh school and some MR. : What college? MR. : I went to, I studied at a Lincoln Technical Institute, and received a certificate there for HVAC, Heating and Plumbing. MR. : Is that in New York? MR. : That's in Lincoln Tech, as in Union. MR. : Union. Okay. MR. : Union, New Jersey. MR. :

? 7 : High school and some 8 college. 9 : What college? 10 : I went to, I studied at a 11 , and received a 12 certificate there for HVAC, Heating and 13 Plumbing. 14 : Is that in New York? 15 : That's in , as 16 in Union. 17 : Union. Okay. 18 : Union, New Jersey. 19 : I understan