Verification of Practices

Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the confidentiality of information. These reviews are conducted by our own internal staff, J.P. Morgan auditors who report directly to the J.P. Morgan Board of Directors, external accounting and auditing firms, and government regulators. Included in these self-assessments and examinations are reviews of the controls and safeguards related to information privacy which are described in our J.P. Morgan Privacy Policy.