EFTA01483061

J.P.Morgan Primary Account: For the Period 911/09 to 9/30/09 PLEASE BE ADVISED THAT EFFECTIVE DECEMBER 7, THE FEE SCHEDULE FOR YOUR J.P. MORGAN DEPOSIT ACCOUNTS WILL BE MODIFIED TO INCLUDE THE FOLLOWING: -ONLINE OVERNIGHT CHECK $14.99 -SAVINGS WITHDRAWAL LIMIT FEE (ASSESSED AFTER 6 FEDERALLY LIMITED WITHDRAWALS/TRANSFERS FROM SAVINGS ACCOUNT IN ONE STATEMENT PERIOD): $12/INSTANCE WE ARE ALSO LOWERING THE FOLLOWING SERVICE FEES: -DOMESTIC COLLECTION FEE: $15 -INTERNATIONAL COLLECTION FEE: $35 'COLLECTION ITEMS ARE PRESENTED FOR DEPOSIT AND THE CLIENT RECEIVES NO CREDIT UNTIL PAYMENT IS RECEIVED FROM THE PAYOR'S BANK EXAMPLES INCLUDE BONDS AND COUPONS. IN ADDITION, THE LEGAL PROCESS FEE (CHARGED FOR DELINQUENT ACCOUNTS AND RELATED ISSUES) WILL BE INCREASED TO $125. IF YOU HAVE ANY QUESTIONS. PLEASE CONTACT YOUR J.P. MORGAN TEAM. Page 8 of 10 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00004228 SDNY_GM_00273426 EFTA01483061