EFTA01508229.pdf

JPMorgan 0 09 2005 Private Bank Confidential Page 1 of 14 FINANCIAL TRUST COMPANY INC J.P. Morgan Portfolios Alert! September I - September 30, 2005 If you plan to make gifts of securities this year, please notify us before December 1, 2005. This will enable us to process your request prior to year-end and meet the deadline for tax-filing purposes. Table of Contents ;zin c Introducing a new convenience Account Summary 2 Effective immediately, you will be able to take greater Asset Account Portfolio JPMCB 3 advantage of the electronic payment transfer capability of Margin Account Portfolio JPMSI 12 ACH (Automated Clearing House). Payments can now be sent through ACH to accounts at other financial institutions. Many clients already enjoy the convenience of receiving payments through ACH. ACH use makes the most sense for recurring payments. It is also useful in situations where funds are not required urgently. ACH payments are transacted two business days after initiation, unlike wire transfers, which are same-day. Contact your Private Bank team if you have any questions about ACH payments. 0000000000 00 WOO 0000000004:00000000 FINANCIAL TRUST COMPANY INC ATTN: JEFFREY E EPSTEIN C/O AMERICAN YACHT HARBOR 6100 RED HOOK, QUARTERS #B3 ST THOMAS 00802 US VIRGIN ISLDS Confidential Treatment Requested by JPMorgan JPM-SDNY-00033423 Chase CONFIDENTIAL SDNY_GM_00302621 EFTA01508229