Subject: Important Online Access Agreement Update!

From: "www.Chase.com" <[email-masked]>
Date: Wed, 22 Mar 2006 05:12:52 -0600

Dear JPMorgan Chase & Co.
customer,

We at JPMorgan Chase & Co. , would like to
remind you that your JPMorgan Chase & Co. Account has not been updated to
the latest Online Access Agreement for JPMorgan Chase & Co. Online Services.

In order for us, at JPMorgan Chase & Co. to
guarantee your online security, you need to update your account information. We
urge you to partner with us to prevent consumer fraud, by going through the 2
steps JPMorgan Chase & Co. Account Confirmation process. This operation
involves logging in and confirming your identity over a secure connection
at:

https://online.chase.com/signon?SIGNON_XCP=1010

After completing this process, you will be informed that your account
has been updated and you will be redirected to the actual Online Access
Agreement, for you to review.

Thank you for choosing JPMorgan Chase & Co. as
your Financial Institution.

When you use JPMorgan Chase & Co. Online ® or
JPMorgan Chase & Co. Business Online ® Banking, we guarantee that you will
be covered 100% for any funds improperly removed from your JPMorgan Chase &
Co. accounts, while we are handling your transactions, subject to your
responsibility, described below.
© 1999 - 2006 JPMorgan Chase & Co.
Bank. All rights reserved.