Primary Account: For the Period 7/30111 to 8/31/11 J.P.Morgan checking accounts) changes: Effective October 1, 2011, your JPMorgan Private Checking account will have a new name: Private Client Checking Plus. Interest on Private Client Checking Plus is credited and compounded monthly based on daily collected balances. All other terms and conditions of your Deposit Account Agreement still apply. If you have any questions, please do not hesitate to contact your J.P. Morgan team. J.P. Morgan Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL Page 4 orb JPM-SDNY-00052591 SDNY_GM_00321789 EFTA01524772