Primary Account: For the Period 511/12 to 5/31/12 ENJOY NEW ACCOUNT FEATURES DESIGNED TO COMPLEMENT YOUR LIFESTYLE You now benefit from special features on your J.P. Morgan personal checking and savings account. Effective June 1: - Have ATM fees automatically refunded on cash withdrawals made outside the Chase network - Send domestic or international wires(1) without any fees(2) Contact your J.P. Morgan team if you have any questions about your banking account. 1. Savings accounts are limited to six transactions a month as required by Regulation D. 2. Fees may be assessed by third party financial institutions. J.P.Morgan Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL Page 3 of 4 JPM-SDNY-00051848 SDNY_GM_00321046 EFTA01524064