Important Disclosures

All case studies are shown for illustrative purposes only and should not be relied upon as advice or interpreted as a recommendation.  They are based on market conditions at time of the analysis and are subject to change.  Results shown are not meant to be representative of actual investment results. Past performance is not a guarantee of and may not be indicative of future results.

Recordkeeping and administrative services for the retirement plan provided by J.P. Morgan Retirement Plan Services LLC (JPMRPS); securities transactions for the retirement plan may be introduced by J.P. Morgan Institutional Investments Inc. (JPMII), member FINRA/SIPC. Retirement brokerage services are offered by Chase Investment Services Corp. (CISC), member FINRA/SIPC. JPMRPS, JPMII and CISC are affiliates of JPMorgan Chase & Co.

J.P. Morgan Asset Management provides investment management solutions and services, including separate accounts, commingled funds and mutual funds.  J.P. Morgan Asset Management is the marketing name for the investment management businesses of JPMorgan Chase & Co. and its affiliates worldwide. Those businesses include, but are not limited to, J.P. Morgan Investment Management Inc., Security Capital Research and Management Incorporated and J.P. Morgan Alternative Asset Management, Inc.

Recordkeeping and administrative services for the retirement plan provided by J.P. Morgan Retirement Plan Services LLC (JPMRPS); Individual retirement accounts offered by JPMorgan Chase Bank N.A.  JPMRPS and JPMorgan Chase Bank N.A. are affiliates of JPMorgan Chase and Co.

Publications referenced in this material are presented for general educational purposes only. J.P. Morgan and its affiliates did not receive any compensation or consideration for referencing these titles. The opinions and information presented in these titles do not necessarily reflect the opinions of JPMorgan Chase & Co. and its affiliates.

J.P. Morgan Retirement Plan Services LLC provides recordkeeping and administrative services to retirement plans. We also draw on the resources of other JPMorgan Chase & Co. affiliates in order to bring to our clients the products and services of a global financial services leader. J.P. Morgan Retirement Plan Services does not provide investment advisory or fiduciary services.

This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for investment, accounting, legal or tax advice.

J.P. Morgan Institutional Investments Inc. (JPMII) has hired Financial Engines Advisors L.L.C. (“FEA”) to provide sub-advisory services. JPMII is a federally registered investment advisor. FEA, a federally registered investment advisor and wholly owned subsidiary of Financial Engines Inc., is an independent company that is not affiliated with J.P. Morgan Retirement Plan Services LLC or JPMII. Neither JPMII, FEA, nor its affiliates guarantee future results. Financial Engines® is a registered trademark of Financial Engines, Inc. All other marks are the exclusive property of their respective owners. ©2005-2010 Financial Engines, Inc. All rights reserved. Used with permission. J. P. Morgan Retirement Plan Services provides plan recordkeeping and administrative services.

JPMorgan Chase Bank, National Association, provides directed trustee, custody and securities services.

The charts, graphs and screen prints in this presentation are for illustrative purposes only.