ARTICLES OF ORGANIZATION OF SOUTIIERN FINANCIAL, I.LC 1, the undersigned natural person of the age of eighteen years or more, acting as organizer of a limited liability company under the Uniform Linked Liability Company Act, Chapter 15. Title 13, Virgin Islands Code ("Uniform Limited Liability Company Act"), do hereby adopt the following Articles of Organization for such limited liability company: ARTICLE. ONE NAME ADORES ANIIMINCIPALQW1a. Name and Address 1. The name and address of the limited liability company shall be Southern Financial, I.LC (the "Company"), 9100 Port of Sale Mall, Suite :5- St. Thomas, US Virgin islands 03861 The physical address anti mailing address of the Company are the same. Principal Office r•-• The principal office and permanent address tor the transaction of bonnets orthe tbrijany shall be the address stated the in Paragraph 1 of these Articles as physical adrisis ' the es) Company cn 0 :Z Resident Agent and Office • : -ti m ‘..i re, 3 The mailing address of the Company's initiai designated office is 9100 PorfAf SM Mail, Suite 15. St. Thomas, U.S. Virgin Lslanris (10802 • sL.) The physical address of the Company's initiai designated office is 9100 Port of Sale Mall. Suite 13, St. Thomas, US. Virgin Islands 00802. The name of its initial resident agent at such address is Business Basics VI, L LC The business address of the resident agent and the address of the designated office are identical. ARTICLE TWO PUR 'OSE The purpose for which the Company is organized Is to engage in any and all lawful business for which a limited liability company may be orgariiceil under the Uniform lanuted Liability Company Act and the other laws of the U.S. Virgin islands. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00002025 SDNY_GM_00271223 EFTA01479992