AS USED HEREIN, THE TERMS "YOU" AND "USER" SHALL MEAN ANY VISITOR TO THE WEBSITE.

When you use or access, or permit any other person(s) or entity to use or access this Bear Stearns Alumni website, a website dedicated to alumni of a member company of the Bear Stearns family of companies, a subsidiary of JPMorgan Chase & Co., (the "Website"), you agree to the terms and conditions set forth herein ("Agreement"). We may amend or change this Agreement from time to time, in our sole discretion, by sending you written notice by electronic mail or by regular mail or by posting the updated terms on the Website. Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue your use of the Website. Your use of the site after we have made such changes available will be considered your agreement to the change.

You agree not to use the Website for any other purpose, including commercial purposes, such as co-branding, framing linking, or reselling any portion of the Website without our prior written consent.

You are strictly prohibited from unauthorized use of our systems or this website, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted to this website.

Unless otherwise prohibited by law, any communication or material you transmit to us via the Website or electronic mail is on a non-confidential basis and we may use such communication or material for any purpose, including, but not limited to, reproduction, publication, broadcast and posting. As such, you agree that any information you provide, including, but not limited to, personally identifiable information such as your name or e-mail address, may be posted to the Website for other users to view and/or contact you.

Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of this Agreement.

Grant of License

This Agreement provides you with a personal, revocable, non-exclusive, non-transferable license to use the Website conditioned on your continued compliance with the terms and conditions of this Agreement. You may, on an occasional and irregular basis, print and download materials and information on the Website solely for personal and non-commercial use, for internal business use, provided that you do not obscure, alter, remove or delete any copyright or other proprietary notices contained in such materials and information. With the exception of the foregoing and except as otherwise expressly permitted herein, you may not modify, create derivatives of, copy, distribute, broadcast, transmit, reproduce, publish, license, transfer, sell, mirror, frame, "deep link", "scrape", data mine, or otherwise use any information or material obtained from or through the Website. Further, you may not post any content from the Website to forums, newsgroups, list serves, mailing lists, electronic bulletin boards, or other websites. You warrant that you will not use the Website for any purpose that is unlawful or prohibited by this Agreement, including but not limited to attempting or actually (i) disrupting, impairing or interfering with the Website, or (ii) systematically extracting data contained in the Website to populate databases for internal or external business use. You further agree to not use the Website to: (i) upload, post, email or otherwise transmit any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, or hateful racially, ethnically or otherwise objectionable; (ii) "stalk" or otherwise harass another; (iii) harm minors in any way; (iv) impersonate any person or entity, including, but not limited to, our employees, officers, or directors, or falsely state or otherwise misrepresent your affiliation with a person or entity; (v) forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Website; (vi) upload, post, email or otherwise transmit any content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as "inside information," or proprietary and/or confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (vii) download any file posted by another user of the Website that you know, or reasonably should know, cannot legally be distributed in such manner; (viii) upload, post, email or otherwise transmit any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of us or any other party; (ix) advertise or offer to sell or buy any goods or services for any business purpose, unless such area specifically allows such messages; (x) upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation; (xi) upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (xii) interfere with or disrupt the Website or servers or networks connected to the Website, or disobey any requirements, procedures, policies or regulations of networks connected to the Website; (xiii) violate any code of conduct or other guidelines which may be applicable for any particular area of the Website; or (xiv) intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law.

Your Registration Obligations

In consideration of your use of the Website, you agree to: (i) provide true, accurate, current and complete information about yourself as prompted by the Website's registration form (such information being the "Registration Data") and (ii) maintain and promptly update the Registration Data to keep it true, accurate, current and complete.

Password

As part of the registration process, you must create a password and provide us with accurate, complete and up-to-date information. You agree to be solely responsible for the confidentiality and use of your respective password, as well as for any communications entered through the Website using your password. You will also immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your password. We reserve the right to delete or change a password at any time and for any reason. A password is required to access the Website. We may at our option change the parameters for the password used to access the Website without prior notice to you, and if we do so, you may be required to change your password. You agree to protect and keep confidential your user ID, password, or other means of accessing the Website. If you believe someone may attempt to use or has used the Website without your permission, or that any other unauthorized use or security breach has occurred, you agree to immediately notify us.

Copyright notices

The works of authorship contained in this Website, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by JPMorgan Chase & Co. or one of its affiliates. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without the owner's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of the owner's proprietary rights. Except for any third party exchange data, you may download information and print out a copy for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

Trademark notices

"Bear Stearns", "JPMorgan", "JPMorgan Chase", "Chase", the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase & Co. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.

Termination

We may terminate or suspend this Agreement, or terminate, suspend or limit your access privileges to the Website, in whole or part, at any time for any reason without prior notice. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this Agreement for all purposes.

Website content and materials

The information on this Website is for information purposes only. We do not warrant its completeness, timeliness or accuracy. You access, use, and rely upon such content at your own risk. Please seek the advice of professionals as necessary regarding the evaluation of any content on this Website.

Some of our other websites or pages within this Website may contain supplemental terms and conditions and additional disclosures and disclaimers, which are in addition to these terms and conditions, disclosures and disclaimers. In the event of a conflict, the supplemental terms and conditions and additional disclosures and disclaimers will govern for those sections or pages.

Materials and information posted on the Website may be printed for your use, provided, however, that third party exchange data, if any, may not be downloaded, printed or redistributed for any purposes whatsoever. Materials and information posted on the Website may not be duplicated, copied, re-disseminated or re-distributed to any other person or entity. Re-dissemination and re-distribution includes, without limitation, making any such materials and information available via the Internet or via any other electronic means of access.

You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our web pages, data or the content contained herein or for any other unauthorized purpose without our prior expressed written permission.

WE OR OUR SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY OR, IF NO DATE IS STATED, THE DATE OF FIRST POSTING. WE DO NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY INFORMATION ON THIS WEBSITE. WE RESERVE THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO YOU. FURTHERMORE, NO DISTRIBUTION OR SOLICITATION IS MADE BY US TO ANY PERSON TO USE THIS WEBSITE OR THE INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

Submissions

We welcome your feedback and suggestions about how to improve the Website. Any ideas, suggestions, information, know-how, material, or any other content (collectively, "Submissions") received through the Website, however, will be deemed to include a royalty-free, perpetual, irrevocable, nonexclusive right and license for us to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, display, (in whole or part) worldwide, or act on such Submissions without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submissions. You hereby waive any claim to the contrary.

Potential Disruption of Service

You are responsible for obtaining, installing, maintaining and operating all software, hardware or other equipment (collectively, "System") necessary for you to access and use the Website. This responsibility includes, without limitation, your utilizing up to date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and internet security software. You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks, including, but not limited to those we may disclose in our educational materials. You acknowledge that you are responsible for the data security of the Systems used to access the Website, and for the transmission and receipt of information using such Systems. You acknowledge that you use the Website for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems and that you are satisfied with that assessment. We are not responsible for any errors or problems that arise from the malfunction or failure of the Internet or your Systems nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems. Additionally, access to this Website may from time to time be unavailable, delayed, limited or slowed due to, among other things: Links to other sites

Links to unaffiliated websites are provided solely as pointers to information on topics that may be useful to users of this Website, and we have no control over the content on such unaffiliated websites. If you choose to link to a website we do not control, we make no warranties, either express or implied, concerning your use of or inability to use such site, the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor do we warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. We do not guarantee the authenticity of documents on the Internet. Links to unaffiliated sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites and we expressly disclaim any such endorsement or representation. In addition, these third party websites may have a privacy policy or security practices different from this Website so it is important to read the policies of those sites before sharing your personal information.

Indemnity

You acknowledge and agree that you are personally responsible for your conduct while using the Website and agree to indemnify and hold us and our officers, directors, employees, agents and subcontractors harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys' fees) that we may incur in connection with a third party claim or otherwise, in relation to your use of the Website or the use of the Website by anyone using your password or your violation of this Agreement or the rights of any third party (including, but not limited to, privacy rights). Your obligations under this paragraph shall survive termination of this Agreement.

LIMITATION OF LIABILITY

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS" AND "AS AVAILABLE". WE, OUR AFFILIATES, AND ANY THIRD PARTY DATA PROVIDERS: Enforceability and Governing Law

In the event any of the terms or provisions of this Agreement shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. This Agreement shall be subject to any other agreements you have entered into with us. The user's access to and use of the Website, and the terms of this disclaimer are governed by the laws of the State of New York.

Any action against us arising from or relating to your access to and use of the Website and the provisions of this Agreement must be brought by you in state or federal court located in the State of New York, County of New York. You consent to the jurisdiction and venue of the state and federal courts located within the State of New York, County of New York, for the adjudication of all claims by us against you arising from or relating to your access to and use of the Website and the provisions of this Agreement.

Arbitration

IF YOU ARE NOT A RESIDENT OF CALIFORNIA OR NEW JERSEY, YOU HEREBY AGREE TO ARBITRATE ANY AND ALL CONTROVERSIES, DISPUTES AND CLAIMS ARISING NOW OR IN THE FUTURE UNDER OR RELATING IN ANY WAY TO THIS AGREEMENT, OR TO THE SITE ("CLAIM") BEFORE A NEUTRAL PANEL OF THE NATIONAL ASSOCIATION OF SECURITIES DEALERS, INC. (“NASD”) OR THE NEW YORK STOCK EXCHANGE, INC. (“NYSE”) (PURSUANT TO THEIR RESPECTIVE RULES, INCLUDING THOSE RELATED TO DISCOVERY) AT A HEARING SITE NEAREST TO THE OFFICE WHERE I WORK. IN THE EVENT BOTH THE NASD AND NYSE DECLINE JURISDICTION IN CONNECTION WITH ANY SUCH MATTER, THE PARTIES AGREE INSTEAD TO ARBITRATION TO BE ADMINISTERED BY JAMS PURSUANT TO ITS EMPLOYMENT ARBITRATION RULES & PROCEDURES AND SUBJECT TO JAMS POLICY ON EMPLOYMENT ARBITRATION MINIMUM STANDARDS OF PROCEDURAL FAIRNESS AT A JAMS HEARING SITE NEAREST TO THE OFFICE WHERE I WORK. IN THE COURSE OF ANY ARBITRATION PURSUANT TO THIS AGREEMENT, YOU AGREE (A) TO REQUEST THAT A WRITTEN AWARD BE ISSUED BY THE PANEL AND (B) THAT EACH SIDE IS ENTITLED TO RECEIVE ANY AND ALL RELIEF THEY WOULD BE ENTITLED TO RECEIVE IN A COURT PROCEEDING. THE PARTIES KNOWINGLY AND VOLUNTARILY AGREE TO ENTER INTO THIS ARBITRATION CLAUSE AND TO WAIVE ANY RIGHTS THAT MIGHT OTHERWISE EXIST TO REQUEST A JURY TRIAL OR OTHER COURT PROCEEDING.

IF FOR ANY REASON THE FOREGOING ARBITRATION DOES NOT APPLY, YOU HEREBY AGREE THAT ANY SUCH CLAIM REGARDLESS OF THE NATURE OF THE CAUSE(S) OF ACTION ASSERTED (INCLUDING CLAIMS FOR INJUNCTIVE, DECLARATORY, OR EQUITABLE RELIEF), SHALL BE RESOLVED BY BINDING ARBITRATION. CLAIMS SUBJECT TO ARBITRATION INCLUDE CLAIMS THAT ARE MADE AS COUNTERCLAIMS, CROSS CLAIMS, THIRD PARTY CLAIMS, INTERPLEADERS, OR OTHERWISE. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, AND YOU THEREFORE AGREE TO WAIVE ANY RIGHT THAT YOU OR WE MIGHT OTHERWISE HAVE HAD TO A JURY TRIAL OR THE OPPORTUNITY TO LITIGATE ANY CLAIMS IN COURT BEFORE EITHER A JUDGE OR JURY. YOU FURTHER AGREE THAT YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION (SUCH AS AN ACTION IN THE FORM OF A PRIVATE ATTORNEY GENERAL) TO LITIGATE ANY CLAIMS IN COURT BEFORE EITHER A JUDGE OR JURY; NOR WILL YOU BE ABLE TO PARTICIPATE AS A CLASS MEMBER IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION TO LITIGATE ANY CLAIMS IN COURT BEFORE EITHER A JUDGE OR JURY.

This binding arbitration provision applies to any and all Claims that you have against us, our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns, and against all of their respective employees, agents, or assigns, or that we have against you; it also includes any and all Claims regarding the applicability of this arbitration clause or the validity of the Agreement, in whole or in part. It is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. sections 1-16, as it may be amended.

The party filing a Claim(s) in arbitration must file its Claim(s) before the American Arbitration Association under the rules of such arbitration administrator in effect at the time the Claim(s) was filed. Rules and forms of the may be obtained and Claims made may be filed at American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4605, 800-778-7879, www.adr.org. Any arbitration hearing that you attend shall be held at a place chosen by the arbitrator or arbitrator administrator within the federal district in which you reside at the time the Claim(s) is filed, or at some other place to which you and we agree in writing. Judgment upon any arbitration award may be entered in any court having jurisdiction.

The foregoing Arbitration provisions and waiver of jury trial shall survive: (i) termination or changes in the Agreement, and the relationship between you and us concerning the Agreement; and (ii) the bankruptcy of any party or any similar proceeding initiated by you or on your behalf. If any portion of this Arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force.

Privacy Policy
JPMorgan Online Consumer Practices

Online Security

JPMorgan is serious about safeguarding your personal information online. This web site uses Secure Socket Layer (SSL) technology to encrypt your personal information. To help prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place procedures to help safeguard and secure the information we collect online. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.

How We Collect Information Online

When you visit our site you will be asked to create a profile that contains personal information about yourself such as your email address or professional information. We collect this information so that we can inform you of JPMorgan events and developments and to provide you with an opportunity to maintain a network of past alumni (e.g., you will be able to contact alumni and they will be able to contact you using this site).

Who We Share Your Information With

We will not disclose, to companies outside of the JPMorgan family of companies, information collected about you on this website, unless we (i) have your express permission; (ii) are required by law; (iii) believe in good faith in the necessity of such disclosure to conform with legal process served upon JPMorgan or this website. Information about you may be shared within the JPMorgan family of companies.

Online Tracking

We may track your activity while on our site in order to constantly improve our web site and better serve your online needs. JPMorgan may use various tracking methods (such as cookies and other technologies, etc.) to gather information about site visitors' browsing activities.

Cookies

"Cookies" are small amounts of data that a web site can send to a web browser on a visitor's computer. The cookie is stored on a visitor's computer. A cookie may enable the site holder to track how a visitor navigates through its site and the areas in which they show interest. This is similar to a traffic report: it tracks trends and behaviors, but does not identify individuals. Information gathered may include date and time of visits, pages viewed, time spent at the site, and the site visited just before and just after the Chase site.

Types of Cookies

Cookies can be set to expire on a specified date, after a specific period of time, when a transaction has been completed or when a user turns off his/her browser.

A cookie that is erased from memory when a visitor's browser closes is called a "session" cookie. Cookies that expire based on a time set by the Web server are called "persistent" cookies.

Persistent cookies may be used in some cases, for example, to recognize when a visitor returns to a web site. The web browser will send the cookie information from the initial visit back to the web site.

Refusing Cookies on Our Web site

You may choose not to accept cookies. Your web browser may alert and permit you to refuse cookies. When you receive an alert, you may choose at that time to refuse that cookie. If the use of cookies is a concern to you, then please make sure your browser has this capability, and that you set your browser to alert you accordingly. Newer browser versions allow you to be alerted or to automatically refuse cookies. You may need to download a more current version of your web browser from your service provider in order to obtain this option.

If you decide that you do not want to accept cookies from this site then you may not be able to access or use the site.

Links to Third Party Websites

JPMorgan is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to non-JPMorgan websites are provided solely as pointers to information on topics that may be useful to the users of the JPMorgan website. Third party websites may have different privacy policies and/or security standards governing their sites.

Q. Who sees my information?
A. Only members of Bear Stearns Alumni website are authorized to view your information. The website requires users to authenticate themselves by providing specific information that is pre-populated in the website by Bear Stearns/ JPMorgan's human resources database with the aim of limiting those who can register on the site to alumni of Bear Stearns. Please note that per the Privacy Policy, your information is also viewable by Bear Stearns Alumni administrators with the understanding that it is only to be used to contact you should you indicate that preference in your profile.

Q. I've forgotten my password. How do I access the site?
A. Click on the Forgot Your Password link on the Login page. Enter the e-mail address you have listed as your Primary e-mail, and you will be sent a message with a link to choose a new password. If you no longer have access to your Primary e-mail, please Contact Us and send your First Name and Last Name as well as your original Primary e-mail address, and you will receive an e-mail with a link to update your password and your new Primary e-mail address.

Q. How do I register for the Network?
A. Click on the registration link on the Login page. Please review the Privacy Policy, and click Accept if you agree with the content of the policy. Then, complete the form that allows us to authenticate your status as a Bear Stearns alumnus. Once you complete the form, and click Submit, the system will log you in. We invite you to complete your profile information so that you will be able to better network with other members. If you have any difficulty registering, please Contact Us.

Q. Why am I having trouble registering?
A. Some circumstances can result in an unsuccessful registration:

The personal information that you entered is different than your information while at Bear Stearns.
This is the most common cause. Because this information verifies who you are, when registering, it is necessary for all entries on the registration form to match the information in –Bear Stearns Alumni database. Please try all variations of your name and other requested information.

You left the firm within the last 30 days.
Once you have officially terminated your position, your information is uploaded into –Bear Stearns Alumni database. If you provide your e-mail address, you will receive an e-mail invitation within about a month, and you will then be able to register.

You have registered before and already have an identity on the site.
Please check your records to see if you have already registered in the past. If you have but have forgotten your login information, please click the Forgot Your Password link and enter your Primary e-mail address to receive an e-mail with a link to reset your password. If you no longer have access to your Primary e-mail, please Contact Us, and send your First Name and Last Name as well as your original Primary e-mail address. You will then receive an e-mail with a link to update your password and a confirmation of your new Primary e-mail address.

If you are still having trouble, please Contact Us for further assistance. To assist the support team, please include as much relevant information as possible including your employee ID (if you recall), last office, or birth date.