EFTA01558629.pdf

(Reviewed) For the Period 7/1/08 to 7/31/08 Consolidated Summary Account Number Investment Account(s) FINANCIAL TRUST COMPANY, INC. FINANCIAL TRUST COMPANY, INC. Total Value Beginning Net Market Value Ending Net Market Value Change In Value Start on Page 4,670,138.54 33.49 $4,670,172.03 4,281,902.51 33.49 $4,281,936.00 (388,236.03) 0.00 ($388,236.03) 2 14 000000.0000.00.0000.000.000000000.000000 28.00.0.20.00001.FINAN18.20080820 FINANCIAL TRUST COMPANY INC ATTN: JEFFREY E EPSTEIN C/O AMERICAN YACHT HARBOR 6100 RED HOOK, QUARTERS #B3 ST THOMAS 00802 VIRGIN ISLANDS, U.S. Page 1 of 19 EFTA01558629 THIS PAGE INTENTIONALLY LEFT BLANK EFTA01558630 JPMorgan Chase Bank, N.A. 345 Park Avenue, New York, NY 10154-1002 Asset Account JPMorgan Private Bank Team Mary Casey Francisco Villacis Amy Webb Banker Client Service Team Client Service Team (212) 464-0374 (888) 207-5225 Table of Contents Account Summary Holdings Equity Equity Research Ratings Cash and Short Term Portfolio Activity Online access www.MorganOnline.com Page 2 4 6 7 9 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Account Page 1 of 12 Page 2 of 19 EFTA01558631 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Account Summary Asset Allocation Equity Cash & Short Term Market Value Accruals Market Value with Accruals Beginning Ending Market Value 4,670,133.84 4.69 $4,670,138.53 0.01 $4,670,138.54 Market Value 3,903,545.95 377,980.07 $4,281,526.02 376.49 $4,281,902.51 Current Portfolio Activity Beginning Market Value Securities Transferred In Net Contributions/Withdrawals Income & Distributions Change In Investment Value Ending Market Value Accruals Market Value with Accruals $0.00 0.01 (388,612.52) $4,281,526.02 376.49 $4,281,902.51 Period Value 4,670,138.53 Change In Value (766,587.89) 377,975.38 ($388,612.51) 376.48 ($388,236.03) Year-to-Date Value 2,648,004.62 2,775,975.70 $2,775,975.70 0.08 (1,142,454.38) $4,281,526.02 376.49 $4,281,902.51 Estimated Current Annual Income Allocation 91% 6,561.73 EFTA01558632 9% 100% Cash & Short Term Asset Allocation Equity Account Page 2 of 12 Page 3 of 19 EFTA01558633 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Account Summary Tax Summary Interest Income Taxable Income CONTINUED Current Period Value 0.01 $0.01 Year-to-Date Value 0.08 $0.08 Account Page 3 of 12 Page 4 of 19 EFTA01558634 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Equity Summary Asset Categories US Large Cap US Mid Cap/Small Cap Total Value Beginning Market Value 3,024,133.84 1,646,000.00 $4,670,133.84 Ending Market Value 2,870,795.95 1,032,750.00 $3,903,545.95 Change In Value (153,337.89) (613,250.00) ($766,587.89) Current Allocation 67% 24% 91% Asset Categories Equity Market Value/Cost Market Value 3,903,545.95 Current Period Value US Mid Cap/Small Cap US Large Cap Account Page 4 of 12 Page 5 of 19 EFTA01558635 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Note: C indicates Equity covered by JPMSI. Equity Detail Estimated Quantity US Large Cap C APPLE INC. 037833-10-0 AAPL US Mid Cap/Small Cap C TWEEN BRANDS INC 901166-10-8 TWB 18,061.000 158.95 2,870,795.95 N/A Price Market Value Tax Cost Unrealized Gain/Loss Annual Income Accrued Dividends Yield 75,000.000 13.77 1,032,750.00 N/A Account Page 5 of 12 Page 6 of 19 EFTA01558636 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Equity Research Ratings Independent third-party research is available for 18 months after JPMorgan Secur ities, Inc. (JPMSI) terminates coverage. Clients can access this research at www .MorganOnline.com or can call their JPMorgan representative at their toll-free number to request that a copy o f this research be sent to them. Equity Research Ratings for any company where J PMSI has terminated coverage are excluded below. For explanation of JPMSI ratings, see disclaimer section at end of statement. For third-party ratings systems, see specific third-party rese arch at www.MorganOnline com. Argus Research JPMSI APPLE INC. AAPL TWEEN BRANDS INC TWB NEUTRAL NEUTRAL Corporation BOE Securities Morningstar 4 stars 4 stars Renaissance Capital Standard & Poor's 2STAR Sell Account Page 6 of 12 Page 7 of 19 EFTA01558637 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Cash & Short Term Summary Beginning Asset Categories Cash Market Value 4.69 Ending Market Value 377,980.07 Change In Value 377,975.38 Current Allocation 9% Asset Categories Cash & Short Term Current Market Value/Cost Market Value Tax Cost Estimated Annual Income Accrued Interest Yield Period Value 377,980.07 377,980.07 6,561.73 376.49 1.75% Account Page 7 of 12 Page 8 of 19 EFTA01558638 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Cash & Short Term Detail Quantity Cash US DOLLAR 377,980.07 1.00 377,980.07 377,980.07 6,561.73 376.49 1.75% Price Market Value Tax Cost Adjusted Original Estimated Unrealized Gain/Loss Annual Income Accrued Interest Yield Account Page 8 of 12 Page 9 of 19 EFTA01558639 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 Portfolio Activity Summary Beginning Cash Balance Transactions Income INFLOWS Total Inflows TRADE ACTIVITY Total Trade Activity Settled Sales/Maturities/Redemptions Ending Cash Balance Current Period Value 4.69 0.01 $0.01 377,975.37 $377,975.37 $377,980.07 * Year to date information is calculated on a calendar year basis. Year-To-Date Value* -0.08 $0.08 377,975.37 $377,975.37 -Portfolio Activity Detail INFLOWS & OUTFLOWS Settlement Date 7/1 Type Interest Income Description DEPOSIT SWEEP INTEREST FOR JUNE @ 1.74% RATE ON NET AVG COLLECTED BALANCE OF $4.69 AS OF 07/01/08 Quantity Per Unit Amount Amount 0.01 Account Page 9 of 12 Page 10 of 19 EFTA01558640 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 TRADE ACTIVITY Settlement Trade Date 7/8 Date 7/11 Type Settled Sales/Maturities/Redemptions Sale Description TWEEN BRANDS INC @ 15.1691 BROKERAGE TAX &/OR SEC Quantity (25,000.000) 379,227.50 1,250.00 2.13 J.P. MORGAN SECURITIES INC. TRADE DATE 07/08/08 Per Unit Amount 15.169 Proceeds Tax Cost 377,975.37 Realized Gain/Loss Account Page 10 of 12 Page 11 of 19 EFTA01558641 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 In Case of Errors or Questions About Your Electronic Transfers. Contact yourMorgan Teamat one ofthe telephonenumbers on the front of this statem ent or write us at 500 Stanton ChristianaRoad, 1/OPS, Newark,DE19713-2107 as soo n as you can, if you think yourstatement is wrong or if you needmore information about a transfer on the statement. We must hearfrom you no laterthan 60 days afterwe sent you the FIRSTstatement on which the erroror problem appeared. (1) Tellus yourname and a ccount number. (2) Describethe erroror the transferyou are unsure about, and exp lainas clearly as you can why you believe it is in erroror why you need more information. (3) tell us the dollaramount of the suspected error. Ifyou contact us orally, you must s end us your complaint or question in writing within 10 business days in order to preserveyour rights. We will investigateyourcomplaint and will correct any errorpromptly. Ifwe take more than 10 business days to do this (20 days for purchases using yourdebit card or for internationaltransactions),we will credit youraccount for the amount you think i s in error, so that you will have the use ofmoneyduring the time it takes us to complete our investigation. In case of errors or questions about your statement, including your line of cred it. If you think that your statement is incorrect or if you need more information ab out a transaction on your statement including a line of credit transaction, you must write to us on a separate sheet describing the errorand send it to: JPMorga n Private Bank, 500 Stanton ChristianaRoad, 1/OPS3, Newark,DE19713-2107. We must hearfrom you no laterthan 6 0 days afterthe statement on which the erroror problem appearedis sent. You can contact yourclient servicespecialistbut doing so will not preserveyour rights. Pleasereviewyouraccount statement and promptly report anyinaccuracyor discrepanc yincluding possible unauthorizedtrading activity, unrecordeddividendpayments, an d unaccountedcash positions in writing. Any oral communication should be re-conf irmedin writing to furtherprotect yourrights, including yourrights underthe Securities InvestorProt ection Act (SIPA). Ifyou haveanyquestions pleasecontact yourJPMSI Account Repres entativeor JPMSI ComplianceDepartmentat (212)483-2323. In your letter, please provide the following information: (1) your name and acco unt number; (2) the dollaramount of the suspected error; and (3) a description o f the errorand explanation, if you can, why you believethere is an error. Ifyou need more information, you must describe the item you are unsure about. Important Information about Pricing and Valuations Market value information (including without limitation, prices, exchange rates, accrued income and bond ratings) furnished herein has been obtained from sources that the Bank believesto be reliableand is furnished for the exclusiveuse of th e client. The Bank makes no representation,warrantyor guarantee,expressor implied, that anyquoted valuerepre sentsthe actual terms at which transactions or securities could be bought or sol d or new transactions could be enteredinto, or the actual terms on which existin g transactions or securities could be liquidated. The current price is the valueofthe financialasset share, unit or contract as pr iced at the close of the marketon the last dayofthe statement periodor the last availableprice. All valuesprovidedfor structured yielddeposits (forexample,JPMorgan London Time Deposits) reflectthe originaldeposit amount only. The current valuefor RealEstate, Minerallnterestsand MiscellaneousAssets maynot reflectthe most current valueof the asset. Valuations of over-the-counterderivativetransactions, including certain derivati ves-relateddeposit products, have been preparedon a mid-market basis. These valu ations are indicative values as of the close of business of the date of this sta tement and, except as otherwise agreedin writing, these valuationsdo not representthe actual terms at which tran EFTA01558642 sactions or securities could be bought or sold or new transactions could be ente redinto, or the actual terms on which existing transactions or securities could be liquidatedas of the date of this statement. We do not warrant their completeness or accuracy. These valuationsare derivedfrom proprietarymodels basedupon well-recognizedfinancialprinciples and we have, when necessaryto calculate the present valueof future cash flows, made reasonable estimates about relevantfuture market conditions. Valuations based on other models or diff erent assumptions may yield different results. Morgan expresslydisclaims any res ponsibility for (1) the accuracyof the models or estimates used in deriving the valuations, (2) any errors or omissions in computing or disseminating the valuations, and (3)anyuses to which the valuationsare put. Valuationsare providedfor information purposes only and a re intendedsolelyfor yourown use. Pleasereferto the trade confirmation for detai is ofeach transaction. At yourrequest, assets maybe reflectedhereineventhough they are held by a third partyunaffiliatedwith JPMorgan. In such case, unless JPMorgan otherwise agrees,J PMorgan has no responsibilityfor the verification,valuation, safekeepingor manag ementofthose assets. Pleasereviewyourstatement promptly and report anydiscrepanciesimmediatelyto an a ccount officerwhose name appearson the contact page of this statement. Important Information about Auction Rate Securities (ARS) ARS are debt or preferred securities with an interest or dividendrate reset peri odically in an auction. Although there maybe daily, weekly and monthly resets, t here is no guarantee that there will be liquidity. Ifthere are not enough bids a t an auction to redeem the securities available for sale, the result may be a failedauction. In a failedauction, there is no assurance that a secondarymarket will develop or that the security will t rade at par or any other price reflected on statements. Accordingly, investors s hould not relyon pricing information appearing in theirstatements with respect to ARS. The distributor of the JPMorgan Funds is JPMorgan Distribution Services, Inc., w hich is an affiliate of JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. and its affiliates receive compensation from JPMorgan Funds for providing services. American Century InvestmentServices, Inc. is the distributor of the AmericanCenturyFunds. America nCenturyInvestmentManagementlnc. servesas investment advisorto its respectivefun d familyand receivescompensation from that fund familyfor providing investment a dvisoryand other services. JPMSI is the custodian of listed options and most mutual funds, including third partymutual funds, purchasedthrough JPMSI. Account Page 11 of 12 Page 12 of 19 EFTA01558643 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 You must promptly adviseJPMSI ofmaterialchanges in yourinvestment objectivesor f inancialsituation. Unless you inform JPMSI otherwise, JPMSI will considerthe inf ormation currentlyin its files to be complete and accurate. You should have receivedseparateJPMSI confirmations for each securities transact ion. All transactions are subject to the terms and conditions stated on the reve rseside of such confirmations and are subject to the constitution, by-laws, cust oms and interpretationsof the marketplacewhere executedand governedby and construed in accordance with the law s of the State of New Yorkand all applicablefederallaws and regulations. Further information with respect to commissions and other charges relatedto the executio n of transactions, including options transactions, has been included in confirmations that were pre viouslyfurnishedto you. Upon written request, JPMSI will promptly supply you wit h the latest such information. Shareholdersof certain JPM Funds are chargeda redemption fee equalto 2% of the p roceeds if they exchangeor redeemshares ofsuch funds within 60 days of purchase, subject to certain exceptions set forth in the prospectus of the applicableFund . Pleaseconsult your JPMorgan representativefora list of the JPM Funds that impose redemption fees. JPMSI is a memberof the Securities InvestorProtection Corporation ("SIPC"),a not -for-profit membership corporation funded by broker-dealers registeredwith the S ecurities and ExchangeCommission. Securities and cash held for a customer at JPM SI are protected by SIPC up to $500,000 per customer, which includes up to $100,000 of protection fo r cash. SIPC does not protect against losses from fluctuations in the value of t he securities. Assets held in custody by JPMorgan Chase Bank, N.A. (the "Bank")a re not subject to SIPC. Youmay obtain information about SIPC, including the SIPCBrochure, on theirwebsit e, at "www.sipc.org" or by contacting them at (202)371-8300. J.P. Morgan Securities Inc., JPMorgan Chase Bank, N.A. or their affiliates(the " Morgan Companies")mayprovide administrative,custodial, sales, distribution or sh areholderservicesto JPMorgan Funds, AmericanCenturyFunds, or funds established, sponsored, advised, or managedby third parties, and the Morgan Companiesmaybe compensatedfor such servi ces. Explanation of JPMSI Ratings: Overweight: Neutral: Underweight: Independent Research Ratings: JPMorgan uses the following rating system: Over the next six to twelve months, we expect this stock will outperform the ave rage total return of the stocks in the analyst's (or the analyst's team's) cover age universe. Over the next six to twelve months, we expect this stock will perform in line wi th the average total return of the stocks in the analyst's (or the analyst's tea m's) coverage universe. Over the next six to twelve months, we expect this stock will under-perform the average total return of the stocks in the analyst's (or the analyst's team's) co verage universe. JPMSI does not endorse or otherwise adopt the IndependentResearchProviderresearc hand/or ratings. Differentfirms use a varietyof ratings terms as well as differe ntratings systems to describe their recommendations. JPMSI uses a "relative"ratings system as describedabove. IRPsmayuse a differentratings system , such as as an "absolute"ratings system and use such terms as "buy", "hold", or "sell". Since "relative"and "absolute"ratings systems are fundamentallydifferen t, you should read carefully the definitions of all ratings used in the JPMSI and IRP research that is includ ed in the research itself. For this reason and since the research contains the b asis for the ratings as well as complete information concerning the analyst's vi ews, you should read carefully the EFTA01558644 researchand not inferits contents from the rating alone. JPMorgan Private Bank is the marketing name for the private banking business con ducted by J.P.Morgan Chase & Co. through its subsidiaries worldwide, including J PMorgan Chase Bank, N.A., J.P. Morgan Trust Company, N.A. and J.P. Morgan Securi ties Inc. Account Page 12 of 12 Page 13 of 19 EFTA01558645 J.P. Morgan Securities Inc. FINANCIAL TRUST COMPANY, INC. 270 Park Avenue, New York, NY 10017 Margin Account JPMorgan Private Bank Team Mary Casey Francisco Villacis Amy Webb Online access Banker Client Service Team Client Service Team www.MorganOnline.com (212) 464-0374 (888) 207-5225 Table of Contents Account Summary Holdings Cash and Short Term Portfolio Activity 3 4 Page 2 ACCT. For the Period 7/1/08 to 7/31/08 Account Page 1 of 6 Page 14 of 19 EFTA01558646 FINANCIAL TRUST COMPANY, INC. Account Summary MARGIN Cash Asset Allocation Cash & Short Term Market Value Market Value 0.00 $0.00 Long Market Value 33.49 $33.49 Short Market Value 0.00 $0.00 Total 33.49 $33.49 Estimated Current Market Value Annual Income Allocation 100% 100% ACCT. For the Period 7/1/08 to 7/31/08 Account Page 2 of 6 Page 15 of 19 EFTA01558647 FINANCIAL TRUST COMPANY, INC. Cash & Short Term Summary Beginning Asset Categories Cash Market Value 33.49 ACCT. For the Period 7/1/08 to 7/31/08 Ending Market Value 33.49 Change In Value 0.00 Current Allocation 100% Cash & Short Term Detail Quantity Cash US DOLLAR SUB-ACCOUNT: MGN 33.49 1.00 33.49 Price Market Value Tax Cost Adjusted Original Estimated Unrealized Gain/Loss Annual Income Accrued Interest Yield Account Page 3 of 6 Page 16 of 19 EFTA01558648 FINANCIAL TRUST COMPANY, INC. Portfolio Activity Summary Current Transactions Portfolio Activity Detail Beginning Cash Balance Ending Cash Balance Period Value 33.49 $33.49 Year-To-Date Value --ACCT. For the Period 7/1/08 to 7/31/08 No Activity This Period Account Page 4 of 6 Page 17 of 19 EFTA01558649 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 All positions in this Margin Account Portfolio are held in custody at J.P. Morga n Securities Inc. ("JPMSI"). Member SIPC. IMPORTANT INFORMATION ABOUT YOUR STATEMENT Contact your client service specialist if you think your statement is incorrect or you require additional information about a transaction on your statement. Important Information about Auction Rate Securities (ARS) ARS are debt or preferred securities with an interest or dividendrate reset peri odically in an auction. Although there maybe daily, weekly and monthly resets, t here is no guarantee that there will be liquidity. Ifthere are not enough bids a t an auction to redeem the securities available for sale, the result may be a failedauction. In a failedauction, there is no assurance that a secondarymarket will develop or that the security will t rade at par or any other price reflected on statements. Accordingly, investors s hould not relyon pricing information appearing in theirstatements with respect to ARS. The distributor of the JPMorgan Funds is JPMorgan Distribution Services, Inc., w hich is an affiliate of JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. and its affiliates receive compensation from JPMorgan Funds for providing services. American Century InvestmentServices, Inc. is the distributor of the AmericanCenturyFunds. America nCenturylnvestmentManagementlnc. servesas investment advisorto its respectivefun d familyand receivescompensation from that fund familyfor providing investment a dvisoryand other services. JPMSI is a memberof the Securities InvestorProtection Corporation ("SIPC"),a not -for-profit membership corporation funded by broker-dealers registeredwith the S ecurities and ExchangeCommission. Securities and cash held for a customer at JPM SI are protected by SIPC up to $500,000 per customer, which includes up to $100,000 of protection fo ✓ cash. SIPC does not protect against losses from fluctuations in the value of t he securities. Assets held in custody by JPMorgan Chase Bank, N.A. (the "Bank")a re not subject to SIPC. Youmay obtain information about SIPC, including the SIPCBrochure, on theirwebsit e, at "www.sipc.org" or by contacting them at (202)371-8300. J.P. Morgan Securities Inc., JPMorgan Chase Bank, N.A. or their affiliates(the " Morgan Companies")mayprovide administrative,custodial, sales, distribution or sh areholderservicesto JPMorgan Funds, AmericanCenturyFunds, or funds established, sponsored, advised, or managedby third parties, and the Morgan Companiesmaybe compensatedfor such servi ces. Account Page 5 of 6 Page 18 of 19 EFTA01558650 FINANCIAL TRUST COMPANY, INC. ACCT. For the Period 7/1/08 to 7/31/08 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT Please review your account statement and promptly report any inaccuracy or discr epancy including possible unauthorized trading activity, unrecorded dividend pay ments, and unaccounted cash positions in writing. Any oral communication should be re-confirmed in writing to further protect your rights, including your rights under the Securities Investor Protection Act (SIPA). If yo u have any questions, please contact your JPMSI Account Representative or JPMSI Compliance Department at (212) 483-2323. Please keep the following in mind when using this statement to track your JPMSI brokerageactivity: This statement combines your generalmargin account with the s pecial memorandum account requiredby Section 220.6 Regulation T. As requiredby R egulation T, a permanentrecordofyourseparateaccount is availableupon yourrequest. Important Information about Pricing and Valuations. Prices, some of which are provided by pricing services or other sources which we deem reliable, are not guaranteed for accuracy or as realizable values Free credit balances in your account are not segregatedand may be used in the op eration of JPMSIs business, subject to the limitations of SECRule 15c3-3. Unless otherwise instructed, JPMSI or its agents and depositories will hold your secur ities. Upon your demand, JPMSI will payto you the amount ofyourfree credit balance,and will deliverto you fully-paidsecurities held on yourbehalf. Interestwill be chargedon anydebit balance; the method ofcalculating interest is describedin a lettersent to all margin customers. You should have receivedseparateJPMSI confirmations for each securities transact ion. All transactions are subject to the terms and conditions stated on the reve rseside of such confirmations and are subject to the constitution, by-laws, cust oms and interpretationsof the marketplacewhere executedand governedby and construed in accordance with the law s of the State of New Yorkand all applicablefederallaws and regulations. Further information with respect to commissions and other charges relatedto the executio n of transactions, including options transactions, has been included in confirmations that were pre viouslyfurnishedto you. Upon written request, JPMSI will promptly supply you wit h the latest such information. Ifa partialcall is made with respect to an issue of securities included in yourM argin Account we will allocatethe call by a method we deem fairand equitable. You must promptly adviseJPMSI ofmaterialchanges in yourinvestment objectivesor f inancialsituation. Unless you inform JPMSI otherwise, JPMSI will considerthe inf ormation currentlyin its files to be complete and accurate. JPMSI is not a bank and is a separate legal entity from its bank or thrift affil iates, including JPMCB. The securities sold, offered or recommended by JPMSI: (1) Are not insured by the Federal Deposit Insurance Corporation, or any other g overnmental agency; (2) Are not deposits or other obligations of JPMSI's bank or thrift affiliates unless otherwise indicated), and are not guaranteed by or the responsibility of any such affiliates(unless explicitly stated otherwise); and (3) Involve investment risks, including possible loss of the principal invested. JPMSI's banking affiliatesmay be lenders to issuers of securities that JPMSI and erwrites, in which case proceeds of offerings underwritten by JPMSI may be used for the repaymentof such loans, and you should referto the disclosure documents relating to particular securities for discussion of any such lending relationships. The FederalReserver equires that JPMSI obtain your consent before it can obtain certain information from its bank or thrift affiliates, including their credit evaluationof you. We will assume that your continuing to transact business with JPMSI will constitute yourconsent to the sharing ofsuch i nformation by JPMSI and its bankor thrift affiliates,to the extent permitted by law. JPMorgan Private Bank is the marketing name for the private banking business con ducted by J.P. Morgan Chase & Co. through its subsidiaries worldwide, including EFTA01558651 JPMCB and JPMSI. Account Page 6 of 6 Page 19 of 19 EFTA01558652