EFTA01555360.pdf

For the Period 10/1/08 to 10/31/08 Consolidated Summary Account Number Investment Account(s) FINANCIAL TRUST COMPANY INC FINANCIAL TRUST COMPANY INC Total Value Q30171005 161121381 Beginning Net Market Value Ending Net Market Value Change In Value Start on Page 144,872,073.87 0.00 $144,872,073.87 144,590,844.96 0.00 $144,590,844.96 (281,228.91) 0.00 ($281,228.91) 2 13 000000.0000.00.0000.000.000000000.000000 82,648.00.0.20.00001.FINAN18.20081104 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 16 EFTA01555360 THIS PAGE INTENTIONALLY LEFT BLANK EFTA01555361 JPMorgan Chase Bank, N.A. 345 Park Avenue, New York, NY 10154-1002 Asset Account JPMorgan Private Bank Team Mary Casey Janet Young William Doherty III Online access Banker Client Service Team Client Service Team www.MorganOnline.com (212) 464-0374 (800) 634-1318 Table of Contents Account Summary Holdings Cash and Short Term Portfolio Activity 4 7 Page 2 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Account Q30171005 Page 1 of 11 Page 2 of 16 EFTA01555362 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Account Summary Asset Allocation Cash & Short Term Market Value Accruals Market Value with Accruals Beginning Ending Market Value 144,572,669.41 $144,572,669.41 299,404.46 $144,872,073.87 Market Value 144,224,903.47 $144,224,903.47 365,941.49 $144,590,844.96 Current Portfolio Activity Beginning Market Value Contributions Withdrawals & Fees Securities Transferred Out Net Contributions/Withdrawals Income & Distributions Change In Investment Value Ending Market Value Accruals Market Value with Accruals ($647,170.38) 299,404.46 (0.02) $144,224,903.47 365,941.49 $144,590,844.96 Period Value 144,572,669.41 1,957,829.62 (2,605,000.00) Change In Value (347,765.94) ($347,765.94) 66,537.03 ($281,228.91) Year-to-Date Value 7,618,368.61 146,213,445.30 (3,565,000.00) (6,665,007.44) $135,983,437.86 884,675.05 (261,578.05) $144,224,903.47 365,941.49 $144,590,844.96 Estimated 3,603,770.24 Current EFTA01555363 Annual Income Allocation 100% 100% Account Q30171005 Page 2 of 11 Page 3 of 16 EFTA01555364 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Account Summary Tax Summary Domestic Dividends/Distributions Interest Income Taxable Income CONTINUED Current Period Value 299,364.04 40.42 $299,404.46 Year-to-Date Value 882,945.16 1,729.89 $884,675.05 Unrealized Gain/Loss To-Date Value ($0.04) Account Q30171005 Page 3 of 11 Page 4 of 16 EFTA01555365 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Cash & Short Term Summary Beginning Asset Categories Cash Short Term Total Value Market Value 830,530.18 143,742,139.23 $144,572,669.41 Ending Market Value 183,400.20 144,041,503.27 $144,224,903.47 Change In Value (647,129.98) 299,364.04 ($347,765.94) Current Allocation 1% 99% 100% Cash Asset Categories Short Term Current Market Value/Cost Market Value Tax Cost Unrealized Gain/Loss Estimated Annual Income Accrued Interest Yield Period Value 144,224,903.47 144,224,903.51 (0.04) 3,603,770.24 365,941.49 2.50% Account Q30171005 Page 4 of 11 Page 5 of 16 EFTA01555366 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Cash & Short Term Summary SUMMARY BY MATURITY Short Term Less than 3 months SUMMARY BY TYPE Short Term Mutual Funds Market Value 144,041,503.27 % of Bond Portfolio 100% CONTINUED 144,041,503.27 Market Value Cash & Short Term Detail Quantity Cash POUND STERLING US DOLLAR Total Cash 0.14 183,399.97 1.62 1.00 0.23 183,399.97 $183,400.20 0.27 183,399.97 $183,400.24 ($0.04) (0.04) 2,732.66 967.60 $2,732.66 $967.60 Account Q30171005 Page 5 of 11 Page 6 of 16 1.50% 1.50% Price Market Value Tax Cost Adjusted Original Estimated Unrealized Gain/Loss Annual Income Accrued Interest Yield EFTA01555367 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Quantity Short Term JPMORGAN PRIME MONEY MARKET FUND INSTITUTIONAL SHARE CLASS FUND 829 7-Day Annualized Yield: 2.67% 4812A2-60-3 144,041,503.27 1.00 144,041,503.27 144,041,503.27 3,601,037.58 364,973.89 2.50% Price Market Value Tax Cost Adjusted Original Estimated Unrealized Gain/Loss Annual Income Accrued Interest Yield Account Q30171005 Page 6 of 11 Page 7 of 16 EFTA01555368 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Portfolio Activity Summary Beginning Cash Balance Transactions Income INFLOWS Contributions Total Inflows OUTFLOWS Total Outflows Withdrawals TRADE ACTIVITY Settled Sales/Maturities/Redemptions Settled Securities Purchased Total Trade Activity Ending Cash Balance 960,000.00 (299,364.04) ($299,364.04) $183,399.97 * Year to date information is calculated on a calendar year basis. (144,309,720.38) ($143,349,720.38 ) -299,404.46 1,957,829.62 $2,257,234.08 (2,605,000.00) ($2,605,000.00) 884,675.05 146,213,445.30 $147,098,120.35 (3,565,000.00) ($3,565,000.00) Current Period Value 830,529.93 Year-To-Date Value* -Account Q30171005 Page 7 of 11 Page 8 of 16 EFTA01555369 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 Portfolio Activity Detail INFLOWS & OUTFLOWS Settlement Date 10/1 Type Interest Income Description DEPOSIT SWEEP INTEREST FOR SEPT @ 1.74% RATE ON NET AVG COLLECTED BALANCE OF $28,402.49 AS OF 10/01/08 10/1 10/7 Domestic Dividend/Distribution Misc. Disbursement JPMORGAN PRIME MONEY MARKET FUND INSTITUTIONAL SHARE CLASS FUND 829 TRANSFERRED BY WIRE TO FIRSTBANK PUERTO RICO FAO FINANCIAL TRUST COMPANY INC AS REQUESTED 10/8 Misc. Disbursement TRANSFERRED BY WIRE TO FIRSTBANK PUERTO RICO FAO FINANCIAL TRUST COMPANY INC AS REQUESTED 10/14 10/15 Misc. Receipt Misc. Disbursement FUNDS RECEIVED FROM CITIBANK OGB: GOLDMAN SACHS & CO REF: FINAL REDEMPTION PAYMENT FUNDS TRANSFERRED FROM PRN A/C# Q30171005 DDA A/C# AS REQUESTED (1,500,000.00) TO 00000000000739110438 1,957,829.62 (50,000.00) (55,000.00) 144,041,503.270 0.002 299,364.04 Quantity Per Unit Amount Amount 40.42 Account Q30171005 Page 8 of 11 Page 9 of 16 EFTA01555370 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 INFLOWS & OUTFLOWS Settlement Date 10/22 Type Misc. Disbursement Description FUNDS TRANSFERRED FROM ASSET AC# Q30171005 TO DDA AC# 000000739110438 AS REQUESTED Total Inflows & Outflows TRADE ACTIVITY Note: Trade Date Settlement Date 10/1 ($347,765.92) Quantity Per Unit Amount Amount (1,000,000.00) * Settled transaction was initiated in prior statement period and settled in cur rent statement period Type Settled Securities Purchased 9/30 Purchase Description JPMORGAN PRIME MONEY MARKET FUND INSTITUTIONAL SHARE CLASS FUND 829 INCOME DIVIDEND REINVESTED @ $1.00 J.P.MORGAN SECURITIES INC AS AGENT TRADE DATE 09/30/08 Quantity 299,364.040 Per Unit Amount 1.00 Market Cost (299,364.04) * Account Q30171005 Page 9 of 11 Page 10 of 16 EFTA01555371 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 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 Certain assets including but not limited to, pooled private investments, non-pub licly traded and infrequently traded securities, derivatives, partnership intere sts and tangible assets are generally illiquid, the value of which may have been providedto us by third parties who maynot be independent of the issueror manager. Such information is reflectedas o fthe last date providedto us, and is not independently verified. Prices, some ofwhich are providedby pricing servicesor othersources which we dee m reliable,are not guaranteedfor accuracyor as realizablevalues. 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 EFTA01555372 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 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. Account Q30171005 Page 10 of 11 Page 11 of 16 EFTA01555373 FINANCIAL TRUST COMPANY INC ACCT. Q30171005 For the Period 10/1/08 to 10/31/08 The JPMorgan Funds or The JPMorgan Institutional Funds or The American Century F unds Shares of the funds are not bank deposits and are not guaranteedby any bank, gov ernmententity, or the FDIC. Return and share price will fluctuate and redemption valuemay be more or less than original cost. While the money marketfunds seekto maintain a stable net asset valueof$1.00 pershare, there is no assurancethat they will continue to do so. The estimatedannualincome and dividendyieldfigures for mutual funds represen tthe funds' most recentincome dividendannualized. 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. Important Information RegardingAuction Rate Securities (ARS). ARS are debt or pr eferredsecurities with an interest or dividend rate reset periodicallyin an auct ion. Although there may be daily, weeklyand monthly resets, there is no guarante ethat there will be liquidity. If there are not enough bids at an auction to redeemthe securities availablefor sal e, the result maybe a failedauction. In a failedauction, there is no assuranceth at a secondarymarket will developor that the security will trade at paror anyoth er price reflectedon statements. Accordingly, investors should not relyon pricing information appearingin theirst atements with respect to ARS. JPMSI is the custodian of listed options and most mutual funds, including third partymutual funds, purchasedthrough JPMSI. 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 EFTA01555374 areholderservicesto JPMorgan Funds, AmericanCenturyFunds, or funds established, sponsored, advised, or managedby third parties, and the Morgan Companiesmaybe compensatedfor such servi ces. 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. and J.P. Morgan Securities Inc. Account Q30171005 Page 11 of 11 Page 12 of 16 EFTA01555375 THIS PAGE INTENTIONALLY LEFT BLANK EFTA01555376 J.P. Morgan Securities Inc. 270 Park Avenue, New York, NY 10017 Margin Account JPMorgan Private Bank Team Mary Casey Janet Young William Doherty III Online access Banker Client Service Team Client Service Team www.MorganOnline.com (212) 464-0374 (800) 634-1318 Table of Contents Account Summary Page 2 FINANCIAL TRUST COMPANY INC ACCT. 161121381 For the Period 10/1/08 to 10/31/08 Account 161121381 Page 1 of 4 Page 13 of 16 EFTA01555377 FINANCIAL TRUST COMPANY INC ACCT. 161121381 For the Period 10/1/08 to 10/31/08 Account Summary MARGIN Cash Asset Allocation Cash & Short Term Market Value 0.00 Long Market Value 0.00 Short Market Value 0.00 Market Value Annual Income Allocation 0.00 Total Estimated Current Account 161121381 Page 2 of 4 Page 14 of 16 EFTA01555378 FINANCIAL TRUST COMPANY INC ACCT. 161121381 For the Period 10/1/08 to 10/31/08 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 RegardingAuction Rate Securities (ARS). ARS are debt or pr eferredsecurities with an interest or dividend rate reset periodicallyin an auct ion. Although there may be daily, weeklyand monthly resets, there is no guarante ethat there will be liquidity. If there are not enough bids at an auction to redeemthe securities availablefor sal e, the result maybe a failedauction. In a failedauction, there is no assuranceth at a secondarymarket will developor that the security will trade at paror anyoth er price reflectedon statements. Accordingly, investors should not relyon pricing information appearingin theirst atements with respect to ARS. 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. Account 161121381 Page 3 of 4 Page 15 of 16 EFTA01555379 FINANCIAL TRUST COMPANY INC ACCT. 161121381 For the Period 10/1/08 to 10/31/08 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. Certain assets including but not limited to, pooled private investments, non-pub licly traded and infrequently traded securities, derivatives, partnership intere sts and tangible assets are generally illiquid, the value of which may have been providedto us by third parties who maynot be independent of the issueror manager. Such information is reflectedas o fthe last date providedto us, and is not independently verified. 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 fates, 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 EFTA01555380 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 J PMorgan Chase Bank, N.A. and J.P. Morgan Securities Inc. Account 161121381 Page 4 of 4 Page 16 of 16 EFTA01555381