'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 Primary Account For the Period 11/1/11 to 11/30/11 Page 4 of 6 JPM-SDNY-00044469 SDNY_GM_00313667 EFTA01517385