97.80 97.795 13 100.000 00 (2.204 87) LINKED TO THE S&P 500 INDEX 8/19/09 JPMORGAN CHASE (1XLEV-98% PAIN PROTECTION +/-19.65% BARRIER) INITIAL LEVELSPX:EV22/08: 1292.20 481231,MS-0 Structured Investments SB1062192-F1 Page 16 of 32 4263 EFTA01666135 J.PMorgan GHISI.AINE MAXWELL ACCT. For t