EFTA Document EFTA01595167

November 8, 2012 T1 P1 *********************SNGLP FINANCIAL TRUST COMPANY INC 6100 RED HOOK QUARTERS #B3 ST THOMAS, VI 00802 ADAAATAATTTFDTTAAAATTDDTDDDAFAFADDTDTFDDTDFTFTAFDFDATFTADTTDTFDDD 1986 Important information regarding your account(s) ending in 5001 At J.P. Morgan, we are committed to enhancing our products and services to better serve you. To that end, we would like to make you aware that the interest month billing cycle on your margin account is changing. It is moving from a mid-month cycle to a calendar month cycle to better align with the way interest posts to your other J.P. Morgan accounts. How this change impacts your margin account(s): Current interest cycle Interest month billing cycle Interest posts on Posted interest includes Year-end debit interest 21st of the month to the 20th of the following month 21st of the following month — Debit and credit interest — Short interest rebates/fees An additional debit-interest posting occurs on the 30th of December, which covers the period December 21 through December 29 Interest cycle effective November 2012 First day of the month to the last day of the same month First business day of the following month — Debit and credit interest — Short interest rebates/fees Debit interest from December 1 to December 30 will post on December 31, and a subsequent post on January 2 will cover debit interest from December 31 During the transition month of October, interest cycle posting occurred on October 22. Additionally, a one-time posting on November 1 occurred to reflect the accrual of interest October 21 through October 31. The calendar month billing cycle then began November 1. If you have any questions, please contact your J.P. Morgan team. As always, we thank you for your trust and confidence in J.P. Morgan. Bank products and services are offered through JPMorgan Chase Bank, N.A. and EFTA01595167 its affiliates. Securities are offered by J.P. Morgan Securities LLC, member FINRA, NYSE and SIPC. Investment products: Not FDIC insured • No bank guarantee • May lose value 0912-055-CR 1986 EFTA01595168