EFTA Document EFTA01488378

J.P. Morgan EPSTEIN INTERESTS IMPORTANT INFORMATION Please be advised that beginning January 1, 2010, clients charged FDIC fees on their noninterest-bearing business checking accounts will enjoy a fee reduction of approximately 0.10%. This comes as a result of JPMorgan Chase & Co.'s decision to end participation in the Transaction Account Guarantee Program on December 31, 2009, as originally planned. If you have any questions, please contact your J.P. Morgan team. Please note this accou