trict of New York. 1.8 "Defendant" means JPMorgan Chase Bank, N.A. 1.9 "Defendant's Counsel" means Wilmer Cutler Pickering Hale and Don LLP and Massey & Gail LLP. 1.10 "Effective Date," or the date upon which this Settlement becomes "Effective," means the date that all Participating Claimants, who, in accor