JPMorgan 0 Private Bank Primary Account: For the Period 2/1/08 to 2/29/08 BEGINNING MARCH 7, OVERDRAFT PROTECTION TRANSFER NOTICES WILL NO LONGER BE SENT THROUGH THE MAIL. INSTEAD, YOU MAY REQUEST A PHONE CALL, EMAIL OR TEXT MESSAGE WHEN YOU ACCESS YOUR OVERDRAFT PROTECTION. TO SET YOUR PREFERRED ALERT METHOD. PLEASE CALL YOUR PRIVATE BANK SERVICE TEAM OR VISIT MORGANONLINE.COM Page 8 of 10 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00043291 SDNY_GM_003 12489 EFTA01516365