'Usage fees may be charged by the institution that owns the ATM. Additional fees may apply when using an ATM outside of the United States. Puerto Rico or the U.S. Virgin Islands. J. P. Morgan Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL WPJAry aA7 M Primary Account For the Period 11/1/11 to 11/30/11 Page 10 of 12 JPM-SDNY-00022358 SDNY_GM_00291556 EFTA01498709