T: F: This email is confidential and subject to important disclaimers and conditions including on offers for the purchase or sale of securities, accuracy and completeness of information, viruses, confidentiality, legal privilege, and legal entity disclaimers, available at http://www.jumorgan.com/pages/disclosures/email. (see attached file: Southern Financial.xlsx)(see attached file: southern Trust.xlsx) CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0029198 CONFIDENTIAL SDNY_GM_00175382 EFTA01344080