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Commingled Pension Trust Funds

The JPMorgan Chase Bank, N.A Commingled Pension Trust Funds(the "Commingled Funds") are collective investment funds intended exclusively as a medium for the collective investment and reinvestment of assets of certain qualified retirement and governmental plans as descrived below. The Commingled Funds are not mutual funds, but are collective investment funds extablished, operated and managed by JPMorgan Chase Bank, N.A., as Trustee. Each Commingled Fund is governed by a Declaration of Trust and extablished as a tax-exempt group trust within the meaning of Internal Revenue Service Revenue Ruiling 81-100, as amended.

The Commingled Funds are exempt from registration under the Investment Compnay Act of 1940 and the Securities Act of 1933, and accordingly are not subject to the prospectus requirements under securities laws. The primary offering document for each Commingled Fund is its Declaration of Trust, which may also be supplemented by a Disclosure Statement. An annual report is available for each Commingled Fund setting forth the Commingled Fund's fees and expenses, investments, and other informatioin. The Trustee administers the Commingled Funds in accordance with regulations issued by the Office of the Comptroller of the Currency, Department of Treasury, under 12 CFR 9.18, and in accordance with applicable provisions of the Employee Retirement Income Security Act of 1974, as amended.

Participation in the Commingled Funds is limited exclusively to (a) trusts of pension,profit sharing, 401(k), or other retirement plans that are qualified under section 401(a) of the Internal Revenue Code and exempt from taxation under section 501(a) of the Internal Revenue Code, (b) governmental plans as defined in section 414(d) of the Internal Revenue Code, and (d) other collective or commingled investment funds or insurance company seperate accounts that consist exclusively of the assets of trusts and plans described in (a) through (c). Each investing plan must execute a standard Participation Agreement prior to investing in the Commingled Funds.

Please see below for more information regarding each Commingled Fund, and contact your J.P.Morgan client advisor or J.P.Morgan Retirement Specialist at 1-877-JPM-IODC if you require more information.