EFTA01584994

J.P.Morgan Capital Appreciation • for clients who are looking for higher rate of return and are, as a result, wilting to take on higher risk. Speculation - Includes the most aggressive investments. This level of risk tolerance is for clients wilting to Invest all or a portion of their account in products that may generate 'slitter returns but may lose all or part of the investment. Thank you for your trust and confidence in J.P.Morgat Sincerely. Rosa la Cracc'ioio Associate Enclosures NA lanaut. Oleo Hrw 14* 10317 Maw Sen. Los gat as art I. "Inv!" 04st Jodi*. NI Confidential Treatment Requested by JPMorgan Chase JPM-SDNY-00084930 EFTA01584994