Primary Account: For the Period 3/1/11 to 3/31/11 Important Information Regarding Your Deposit Account(s) Recently you were sent a copy of the Combined Terms and Conditions that govern your J.P. Morgan deposit accounts as of Apra 1. 2011. Please note that in addition to the changes already highlighted, there is now an Arbitration provision that allows either you or J.P. Morgan to elect mandatory. binding arbitration to resolve any claim or dispute arising from or relating to your deposit accounts. Arbitration replaces the rigM to go to court. For more detail, see the Arbitration provisions on page 30 in the Deposits Accounts and Services Offered by JPMorgan Chase Bank N.A. part of the Combined Terms and Conditions. If you have any questions. please contact your J.P Morgan team. J.P.Morgan Paw 5 of 6 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00025682 SDNY_GM_00294880 EFTA01501384