Informatnin regarding Ike changes to your deposit account(%) Please be aware ChM Ines affecting you 1P %lorgan checking andor savings account(%) are being changed or eliminated All other tams and conditions of your Deposit Account Agreement still apply. Effective March 28, 2011, deposit accotma will receive duct free wire uansactions per staenwait cycle. regardless of balance level. In addition. font for wilts have bed. reduced. Wires initiated online will be SI0 and wires initiated manually will be $20 Domestic and Foreign Collection Item Fees. Item and Statement Copy Fees and Online Ovanight Choek(SM) Fees Service ate being eliminated The fee for Deposited Item Returned (or cashed 'tan returned) will be SC/ If you have any questions. please contact your 1 P Morgan team Think you for your m id and confidence in 1P Morgan. J.P.Morgan Page 8 of ill Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00004514 SDNY_GM_00273712 EFTA01483344