EFTA01482970

JPMorgan Private Bank Primary Account For the Period 8/30/08 to 9/30/08 ON SEPTEMBER 25, 2008. JPMORGAN CHASE BANK N.A. PURCHASED WASHINGTON MUTUAL (WAMU) BRANCHES. SOON YOU WILL HAVE ACCESS TO OVER 5,400 BRANCHES AND 14.300 ATMS TO WITHDRAW CASH OR VIEW YOUR BALANCES WITHOUT AN ATM FEE. WHILE WE LOOK FORWARD TO PROVIDING YOU AN EXPANDED SERVICE NETWORK. PLEASE CONTINUE TO USE CHASE BRANCHES FOR YOUR BANKING TRANSACTIONS. PLEASE NOTE THAT IF YOU HAVE A WAMU ACCOUNT, IN MOST CASES WE WILL TREAT WASHINGTON MUTUAL CHECKS AS IF THEY ARE FROM A SEPARATE BANK FOR PURPOSES OF FUNDS AVAILABILITY AND CHECK CASHING. WE WILL PROVIDE UPDATES WHEN ADDITIONAL SERVICES AND FEATURES BECOME AVAILABLE AS WE INTEGRATE WAMU AND JPMORGAN CHASE. IF YOU HAVE QUESTIONS. PLEASE CALL YOUR J.P. MORGAN ADVISOR. Page 7 of 8 =8 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00004137 SDNY_GM_00273335 EFTA01482970