EFTA01546600.pdf

JPMorgan Chase Bank, N.A. P 0 Box 6076 Newark, DE 19714- 6076 Primary Account: For the Period 10/30/10 to 11/30/10 00039090 DPB 802 245 33510 - YNNNNNNNNNN 1 000000000 D1 0000 J.P. Morgan Team Janet Young PLAN D INC ATTN DARREN K INDYKE 301 EAST 66TH STREET, SUITE 10B NEW YORK NY 10065-6298 William J Doherty For assistance after business hours, 7 days a week. Hearing Impaired Online access: www.MorganOnline.com JPMorgan Classic Business Checking Checking Account Summary Instances Beginning Balance Ending Balance 0 Amount 9,426.24 $9,426.24 Please note this account had no activity during this statement period. The date of last activity for this account was 04/28/10. iF e 1 oftl i EFTA01546600 Primary Account: For the Period 10/30/10 to 11/30/10 Important changes affecting your deposit account(s) Please note that a change will be made to how your business checking account earnings credit (Fee Allowance Rate) is set. Effective immediately, it will be based on current market conditions. The terms for check processing are also being updated to clarify that checks can only be accepted if they are in a form that can be processed by equipment regularly used in our normal operations. The Combined Terms and Conditions have been modified to reflect these changes. Unless otherwise indicated below, all other terms and conditions of the various account agreements still apply. Please contact your J.P. Morgan team if you have questions about these changes. The 2nd paragraph of Section 1 of the Checking Account Agreement is replaced with the following: Business accounts are accounts held by or on behalf of an entity (a person other than a natural person) or held by an individual in a professional or business capacity. Each month the noninterest-bearing funds in a business Account will earn a Fee Allowance Rate that is based on the current market conditions. The Fee Allowance Rate calculates an allowance that can be used to offset monthly fees. Each month's allowance is calculated by taking the average monthly noninterest- bearing collected balance of my Account during the month and multiplying the result by the Fee Allowance Rate determined at 3PMorgan Chase Bank, N.A's discretion and by the number of days in the billing cycle divided by the number of days in the year. The following paragraph is being added to Section A5 in Appendix: General Rules and Regulations for Deposit Accounts: I agree that you may refuse to accept for deposit or to process any check or other item that is presented to you in a form that cannot be processed or photographed using equipment that you regularly use in your normal operations. Page 2 of 4 EFTA01546601 Primary Account: For the Period 10/30/10 to 11/30/10 Important Information About Your Statement In Case of Errors or Questions About Your Electronic Funds Transfers Call or write to the Bank (Consumers should use the phone number and address on front of statement and non-consumers their J.P. Morgan Team contact information.) if you think your statement or receipt is incorrect, or if you need more information about an electronic transaction on a statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (or 20 business days for new accounts) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. In Case of Errors or Questions About Non-Electronic Transfers (Checks or Deposits): Contact the Bank immediately if your statement is incorrect or if you need more information about any non-electronic transactions (checks or deposits) on this statement. If any such error appears, you must notify the bank in writing as soon as possible after the statement was made available to you. For more complete details, see the applicable account agreements and appendices that govern your account. Deposit products and services are offered by JPMorgan Chase Bank, N.A. Member FDIC Mutual Funds/Securities JPMorgan Funds are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds. Bank products and services are offered by JPMorgan Chase Bank, N.A. and its affiliates. Securities are offered by J.P. Morgan Securities LLC, member NYSE, FINRA and SIPC. Investment Products: Not FDIC insured • No bank guarantee • May lose value Pape 3 of 4 EFTA01546602 Primary Account: For the Period 10/30/10 to 11/30/10 This Page Intentionally Left Blank Page 4 of 4 EFTA01546603