EFTA Document EFTA01487496

J.P.Morgan Primary Account: 000000739474324 For the Period 12/1110 to 12/31/10 Positive changes affecting your deposit account(s) As the regulatory environment continues to evolve, we would like to call your attention to change that will have a positive impact on your noninterest-bearing transaction/checking accounts. Al funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation (FDIC) from Dec. 31. 2010 through Dec. 31. 2012. T