New York, September 17, 2014 -- Moody's Investors Service, at the request of JP Morgan Securities LLC, has reviewed the proposed amendment dated as of September 18, 2014 (the Amendment) to the Series Trust Agreement relating to Puttable Tax-Exempt Receipts (PUTTERs), Series 3969. The Amendment, which affects the Change in Proportionality, will not have an adverse effect on the credit quality of the certificates and therefore will not, in and of itself and as of this time, result in reduction or withdrawal of Moody's rating. Moody's does not express an opinion as to whether the amendment could have other, non credit-related effects.

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