EFTA01564944

JPMorgan Chase Bank, N.A. P 0 Box 6076 Newark, DE 19714.11 Primary Account: For the Period 6/29/13 to 7/31/13 J.P. Morgan Team Janet Young 00053948 DPB 802 211 21313 NNNNNNNNNNN 1 000000000 D1 0000 Gina Magliocco TERRA MAR PROJECT, INC. 116 E 65TH ST NEW YORK NY 10065-7007 For assistance after business hours, 7 days a week. Deaf and Hard of Hearing Aw.morganonline.com JPMorgan Business Savings Savings Account Summary Beginning Balance Ending Balance Instances Amount 0.00 0 $0.00 Page 1 of 4 00539480201000000022 EFTA01564944 Primary Account: For the Period 6/29/13 to 7/31/13 A clearer description of transaction terms used in account statements This message is to make you aware of new language that will be used to describe a type of transaction in account statements and online activities: Beginning July 22, 2013, if you cash a check and it is returned to us without being paid, the transaction will be listed on your statement as Cashed Check Returned. This is not a new transaction type. It is simply a clearer description of this type of account activity. Currently, a single term (Deposited Item Returned) is used to describe two types of of transactions: deposited and cashed items that are returned to us without being paid. After July 22, this is returned. All other terms and Please contact your more information Page 2 of 4 term will only be used to indicate a deposited check that conditions for your account(s) remain the same. J.P. Morgan team if you have any questions or require EFTA01564945 Primary Account: For the Period 6/29/13 to 7/31/13 Important Information About Your Statement In Case of Errors or Questions About Your Electronic Funds Transfers Call or write to the Bank (Consumers should use the phone number and address on front of statement and non-consumers their J.P. Morgan Team contact information.) if you think your statement or receipt is incorrect, or if you need more information about an electronic transaction on a statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (or 20 business days for new accounts) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. In Case of Errors or Questions About Non-Electronic Transfers (Checks or Deposits): Contact the Bank immediately if your statement is incorrect or if you need more information about any non-electronic transactions (checks or deposits) on this statement. If any such error appears, you must notify the bank in writing as soon as possible after the statement was made available to you. For more complete details, see the applicable account agreements and appendices that govern your account. Deposit products and services are offered by JPMorgan Chase Bank, N.A. Member FDIC Mutual Funds/Securities JPMorgan Funds are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds. Bank products and services are offered by JPMorgan Chase Bank, N.A. and its affiliates. Securities are offered by J.P. Morgan Securities LLC, member NYSE, FINRA and SIPC. Investment Products: Not FDIC insured • No bank guarantee • May lose value Page 3 of 4 10539480202000000062 EFTA01564946 Primary Account: For the Period 6/29/13 to 7/31/13 This Page Intentionally Left Blank Page 4 of 4 EFTA01564947