nal use only Michael - Thanks for the information. ; Carlos- It would be helpful to know when Southern Financial LLC was previously onboarded with CB & S and within which business line —CF, GM or CRE? Kind Regards, Wayne Salit From: Michael Koplowitz Sent: Wednesday, January 07, 2015 10:08 AM To:

nformation described below, AML Compliance and Compliance Advisory have recommended that the entire DB relationship with Mr. Epstein in both AWM and CB & S be presented to the Americas Reputational Risk Committee (and possibly a Global Reputational Risk Committee, if necessary) for additional review.