International Paper Salaried Savings Plan MARK EBY

Personal Rate of Return - as of 10/31/06
Last 3 Months 9.96%
1 Year 26.28%
3 Year Annualized N/A**
5 Year Annualized N/A**
10 Year Annualized N/A**
Since Inception 16.76%
Inception Date = 05/10/2004*

ersonal Rate of Return Query

Beginning Month Beginning Year Ending Month Ending Year
January February March April May June July August September October November December 2004 2005 2006 January February March April May June July August September October November December 2004 2005 2006

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Your Personal Rate of Return is calculated on your account balance while recordkeeping services are provided at JPMorgan Retirement Plan Services or, if you have converted to JPMorgan Retirement Plan Services from another recordkeeper, beginning in the month after your conversion is complete. It is calculated using the standards promoted by the CFA Institute. The CFA Institute standards require calculations of a time-weighted rate of return using monthly data. It is important to note that past performance does not guarantee future results.

*Inception Date is the date that JPMorgan Retirement Plan Services started recordkeeping your account.
**N/A indicates that the information is currently unavailable to calculate your Personal Rate of Return.