J.P.Morgan PLAN 0 INC IMPORTANT INFORMATION Please be advised that beginning January 1. 2010. clients charged FDIC fees on their noninterest-bearing business checking accounts will enjoy a fee reduction of approximately 0.10%. This comes as a result of JPMorgan Chase & Co.'s decision to end participation in the Transaction Account Guarantee Program on December 31. 2009. as originally planned. If you have any questions, please contact your J.P. Morgan team. /gait• nine Ihic accent had no acrivror during this slnn nnwr period The date ofloss acOviryfor this acootati was 0,28/09. Primary Account: For the Period 12/1109 to 12/31/09 Page 2 ti14 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00022909 SDNY_GM_00292107 EFTA01499177