On November 15, JPMorgan Chase & Co. agreed to pay 21 institutional investors $4.5 billion to settle all representation and warranty claims, as well as servicing claims, in respect of all RMBS securitizations issued by JPMorgan and Bear Stearns between 2005 and 2008.  In addition, JPMorgan agreed to implement servicing changes to mortgage loans in the trusts.  The settlement does not resolve claims against Washington Mutual Inc.  Press Release.