EFTA Document EFTA01486996

Primary Account: For the Period 10/1/11 to 10/31/11 IMPORTANT INFORMATION ABOUT YOUR J.P. MORGAN ACCOUNT(S) We are pleased to inform you that, beginning November 14, 2O11. the following transaction tees associated with your J.P. Morgan personal checking and savings account(s) are being eliminated: - Exchange Rate Adjustment for ATM withdrawals and card purchases in currency other than U.S. Dollars (Foreign Transaction Fee) - Deposited Item Returned fees MI other terms and conditions of