EFTA01511759.pdf

09 2004 JPMorgan Private Bank Confidential Page 1 of 16 FINANCIAL TRUST COMPANY INC Important JPMorgan Chase & Co. and Bank One Corporation merger news - The merger of the lead J.P. Morgan Portfolios banks JPMorgan Chase Bank, New York, New York and September I - September 30, 2004 Bank One, N.A., Chicago, Illinois, as well as Bank One, N.A., Columbus, Ohio is scheduled for November 13, 2004. The post merger lead bank will be called JPMorgan Chase Bank, N.A. US$ cash balances in your account Table of Contents that have been booked with JPMorgan Chase Bank may Page instead be booked with Chase Manhattan Bank USA , Account Summary 2 N.A., another wholly owned banking subsidary of JPMorgan Chase & Co. that is also FDIC insured. This Asset Account Portfolio JPMCB 3 change will not impact your current mutual fund sweep Margin Account Portfolio JPMSI 14 selection. All products and services related to your account will otherwise remain unchanged. Gift Processing The holiday season will soon be here. If you plan to make securities gifts this year, please notify us before December 1, 2004 to allow sufficient time to process your request and meet the year-end deadline. 000000 000000 0000 000 000000000 =COO FINANCIAL TRUST COMPANY INC ATTN: JEFFREY E EPSTEIN C/O AMERICAN YACHT HARBOR 6100 RED HOOK, QUARTERS #83 ST THOMAS 00802 US VIRGIN ISLDS Confidential Treatment Requested by JPMorgan JPM-SDNY-00037592 Chase CONFIDENTIAL SDNY_GM_00306790 EFTA01511759