EFTA Document EFTA01488437

J. P. Morgan Primary Account For the Period 12/1/10 to 12/31/10 Positive changes affecting your deposit account(s) As the regulatory environment continues to evolve, we would like to call your attention to change that will have a positive impact on your noninterest-bearing transaction/checking accounts. All funds in a -noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation (FDIC) from Dec. 31, 2010 through Dec. 31, 2012. This temporary