J.P.Morgan Important information about your deposit account(s). Please note that when your deposit account is overdrawn, payment is due for the amount of the overdraft. Until the balance is paid in full, interest will be assessed on the amount of the overdraft - as stated in section A.4. in the "Appendix: General Rules and Regulations for Deposit Accounts" in the "General Tenns for Accounts and Services." Effective November 15th. Interest will be assessed at the rate of Prime + 4% (rate subject to change). If you have any questions, please contact your J.P. Morgan team. Primary Accoun For the Period 9/1110 to 9/30/10 Page 2 of 4 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00041733 SDNY_GM_003 10931 EFTA01515086