EFTA01486944

Primary Account: 000000739470663 For the Period 4/1111 to 4/29/11 Important Information Regarding Your Deposit Account (s) Unless indicated below, all other terms and conditions of your Combined Terms and Conditions still apply. To further clarify interest computation on your checking and savings accounts. we are replacing the last two sentences of the next to the last paragraph and the last paragraph in the section entitled, Interest: Checking and Savings Accounts on page 28 with the following. Interest is credited monthly. Depending on the type of account, interest may be compounded daily or monthly and is computed on a 360• or a 365 day basis. We reserve the right not to pay interest on any deposited item that is returned to us unpaid. The interest rate, annual percentage yield, compounding and computation method applicable to your Account on the date your Account is opened will be set forth on a separate trate sheet? or other interest rate disclosure provided to you when your Account is opened. That interest rate disclosure is considered a pan of this Agreement. If you have any questions, please contact your J.P Morgan team. J.P. Morgan Page 6 of 8 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00008479 SDNY_GM_00277677 EFTA01486944