Primary Account: For the Period 7/30/11 to 8131/11 J.P.Morgan checking account(s) changes: Effective October 1, 2011, your JPMorgan Private Checking account will have a new name: Private Client Checking Plus. Interest on Private Client Checking Plus is credited and compounded monthly based on daily collected balances. All other terms and conditions of your Deposit Account Agreement still apply. If you have any questions, please do not hesitate to contact your J.P. Morgan team. J.P. Morgan Page 8 or 10 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00008515 SDNY_GM_00277713 EFTA01486980