EFTA01509154.pdf

J.PMorgan FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 1/1/09 to 1/31/09 The JPMwpan funds or The JPMorgan Instinetonal Funds or me American Century Funds Shares cl Me funds are not bank deposits and we not guaranteedbyany bank govern."rent ofthy or he FCC Return and share wee we %reuse and redempbcn vane trey be mare or less than cergnalcost 1StMC the money market funds seek to maintain a stabb net SUM Waal SI W pa snare. Mere is no assuenteMel they me cenleue to do so The estereKKIannuannarne are decked yred flues kr mutual funds epredentthe nude most Waffler:Om. dredendennuated The cinInaufor of the JPUorgen Funds a JPLecrean Debrbubon Services Inc. want, is en adJab of JP/Japan Chase Bonk. NA JPIforgen Chase Bank NA and as athletes recce, correensetron ton JPMayen Funds Ire pronging somas AmeriCan Century Inrestmen:Sayees Inc a the drUnbutor of try Annum Century Funds Antonym Cooney IneerstmentManagementInc saves as rnmsbneer achnscr lo as neptcbartund larsteard recerescunpensetron from Mot fund awry kr puede; orostment adesoryted Mew aroma Important InfounseenFtsgardmgAucbon Rate Secunbes (ARS) ARS are deer or preferredsecurroes awn an merest or dweend rate resetpercdceaym an aption Artlaucin Mae may be dady weeklyand monthly resets there is no gunners:net he. me be 'quaky If Ewe arenot enough bds at an aucbon to redeemthe secuntes eveNNOor safe the reset nay bee fared'ruder, Ina fadedsucker. Mere a no essunettral a soccedaynwhei we develop Or that the secunty waY tradeNur or anyoder price redectedon ablenents Accordegy inviaaJora should na rely on acing warrnarton apneas in thew statements with resent., ARS JPOASInt Ma busted.*n lefKKIOphOnS purClultedthrOugh JPIASI Youmust pronely advrseJPUSIofmetenalcharchs in your mrestment *teethed or humus'wirehair Unless totureormJPUSIetherwee .0ffMSI w the eirenshoncurentyrn 42 Mee to be compete and accurate Youshould hayerecenrodsoperate-MfASJ cambers:eons tor each sacuntes Vansacbon AV bensacbons we subject to The Isms and conditions stated on the rem:roast of such ccnhurrebms and we subject to the consttuten. byens customs and erterpreatons of the rnafterep*Cerrhere treadedand 'deemed by and COnSteed rn eta:Mance with the Ian Oleo Stele Of New Yak and at applattreWMellen and regree3Ons Further "'demote() min respect SO ConwroSens end °Me charges rotated to Me erecutfon of transactens includmv oceans transechons, has beennailedin cordsmebons that wereprevousylanalwel to you Upon writtenrepast JPUSI real proirpaysupplynsu was the Yea such infamirbon Sheinoldenot coffee dPMorgan Funds are chargeda redon:fonfee equallo 2% of Me proceeds • they exchange& rodoemsnanta reawn holds wenn CO days re purchase substel to certainexceptionsset lobar in me prospectus of Me apprceneFuncl Please consult your JP Mogan repesentabyator a tat ante JPAIontan Funds that impose roderrebon tees JAWS! a • Mentor of the Secretes InvestarFrotecton Comeaton ("SOPC"). • noaceprce• memtesap caperation herded by brokercteews merstreal with tise Socunres and EschangoComnassan Sec cotes and cash held bnniston." at JAYS! we protected by SIFC up to 592OO0O pecan. oath mandes up to SIOOCOO of recede° known &Mews not protect navel tosses from Ouch/ernes in the volute Me secedes. Assets he hn custody by JPIArgion Chase Bank N A (the Terre) are not sullied to S/PC Toumayobl•In ektmeaneboot$IFC, mcbding Me SIPC Peocntee on dew webs* et Nom ape hip' a aYainaa00 Men N (2O2) 3n-63Off 70 MO extent pp/OMS pleeSeried the kttOnvy deCbs✓ries mg*r deg estmeted annual totem* (EAren4 Memeled yield(EY)EAlend Dia Olen types daearmes O0ud wade a islandpinwale Cepaalganis a? breath C040 Me EAlend EY nand Co Overstated EN andEnee estimates and the WealMOTO and yieldnaght be lower or Meng then the estimated amounts EYnanacts Co* She mono genfladby OA "%eittletlf ;Hoes not rMKfcht Base its perm which may nucleate JP Morgan Sour errs Inc JP$Actgan Chase Banked or Met targeted (the P Megan Convenes)may trued* radrmusbabye custdrat Sales. distributco of sNrehoIdtetervats to JUN.:nen Funds. Anson Conks), Funds or funds estabtshed sponsored. *chased or managed by Med panes and the JP Morgan Condones fray be compensated fa' such etudes Bank products and sauces hie Offered !NOW!, JPeloyan Chase Bank NA end es engem Senates we offered by .0 P Mogen Socuntes Inc Account Q30171005 Page 11 of 11 Page 12 of 17 Confidential Treatment Requested by JPMorgan JPM-SDNY-00034591 Chase CONFIDENTIAL SDNY_GM_00303789 EFTA01509154