EFTA01498397.pdf

JPMorgan Primary Account: For the Period 10/31/09 to 11/30/09 The Transaction Account Guarantee Program (TAGP), Implemented by the Federal Deposit Insurance Corporation (FDIC) in October 2008. was designed to help stabilize the nations financial system by providing unlimited deposit insurance coverage on noninterest-bearing transaction accounts(' ). The FDIC recently extended the program expiration date from December 31.2009 to June 30.2010 in an effort to provide additional support to those institutions most affected by the recent financial crisis. JPMorgan Chase & Co. believes this temporary TAGP extension is a prudent measure for financial institutions that have been heavily impacted by economic events. Because our firm has been and continues to be one of the most stable and strong in the industry, we have elected not to participate in the last 6 months of the program. We will end our TAGP participation on the original expiration date and are pleased by what this FDIC program has done to help solidify the broader banking system. Please note that funds you hold in noninterest-bearing transaction accounts(1) at JPMorgan Chase Bank. N.A. will continue to be insured under the FDIC's general deposit insurance rules (www.fdic.gov) as these are separate and distinct from the TAGP. For additional information, please do not hesitate to contact your J.P. Morgan team. As always, thank you for your business. (1)Includes certain interest-bearing checking (NOVV) accounts. as long as the maximum rate of interest paid on the account does not exceed 0.50% per year for the duration of the TAGP. Page 8 of III Confidential Treatment Requested by JPMorgan JPM-SDNY-00021982 Chase CONFIDENTIAL SDNY_GM_00291180 EFTA01498397