EFTA Document EFTA01483575

Primary Account: For the Period 3/31/12 to 4/30/12 IMPORTANT INFORMATION REGARDING ATM TRANSFERS For your added convenience, effective May 1. 2012, we are extending our time for transfers between J.P. Morgan checking and savings accounts. For transfers and deposits at most ATMs. the cutoff lime is 11 p.m. Eastern time. Please note, for ATMs with an earlier cutoff, the ATM screen will notify you of the specific cutoff time. This change will be reflected in the section of your General Terms