Retirement Investment Solutions

Personal Asset Manager

J.P. Morgan Personal Asset Manager, our managed accounts program, provides an option for the investor who wants to have little to no involvement in making investment decisions. J.P. Morgan Personal Asset Manager is powered by Financial Engines^® which provides, implements and maintains the recommended investment strategy for the participant.

The program provides a customized retirement forecast based on participant-specific information such as account balance and the investments available within the plan. It also allows a participant to enter information about other retirement savings accounts such as a spouse’s retirement account, an IRA or a taxable brokerage account. Other data such as desired retirement age and maximum percentage invested in company stock can be customized by the participant. The participant’s account is then actively managed and rebalanced as determined by the program.

Participants receive progress reports every 90 days and have access to customize their experiences further on both on our Web site and by speaking with one of our investment advisor representatives.Information on participants’ asset allocation is also included on quarterly participant statements.

To learn more about Total Retirement Solutions^SM, email or call J.P. Morgan at 800-988-9084.

For questions about a personal retirement plan account, email or call J.P. Morgan at 800-345-2345. If your retirement plan is not with J.P. Morgan, contact your employer for that provider's phone number and website.

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. ©2005-2009 Financial Engines, Inc. All rights reserved. Used with permission. J.P. Morgan Retirement Plan Services provides plan recordkeeping and administrative services.

IRS Circular 230 Disclosure: This communication was written in connection with the potential promotion or marketing, to the extent permitted by applicable law, of the transaction(s) or matter(s) addressed herein by persons unaffiliated with JPMorgan Chase & Co. However, JPMorgan Chase & Co. and its affiliates do not provide tax advice. Accordingly, to the extent this communication contains any discussion of tax matters, such communication is not intended or written to be used, and cannot be used, for the purpose of avoiding tax-related penalties. Any recipient of this communication should seek advice from an independent tax advisor based on the recipient's particular circumstances.