EFTA01584993

J.P.Morgan March 19, 2010 Darren Indyke Financial Trust Company Inc 6100 Red Hook, Quarters B•3 St. Thomas, Virgin Islands 00802 Re: J.P.Morgan Asset with Brokerage Account Number for Financial Trust Company, Inc. Dear Mr. tndyke: am pleased to confirm the opening of your accounts at J.P.Morgan. We look forward to bulding our reationship with you. Enclosed is your account agreement which governs tnis account. Please call me with any corrections specific to your brokerage account information. After ten business days, we will assume the account documentation is correct. for Please note that any subsequent new accounts you open will be governed by J.P.Morgan's General Terms for Accounts and Services and the applicable account agreement. In most cases, you will not have to yin any additional documentation. For your reference. I have included your team's contact information: Name Paul Morns Jeff Matusow Janet Young, William Don•erty Rosalie Cracchiolo Role Tel pahone Banker Investor Cl!ent Service Specialist Account Opening Specialist Investment Objective Definitions SEC regulation requires us to provide definitions of the investment objectives that we use, which are outlined below. Capital Preservation • For clients looking to preserve their principal, but who are comfortable with a small amount of volatility In exchange for the possibility of returns. Clients with this objective are interested in liquid, lower risk investments, a portion of which may have short terms and stable values, resulting in smaller returns than some of the other major asset classes. Income Generation • For clients seeking a balanced approach to growth through a combination of products with differing levels or risk and return, Clients with this objective expect the volatility in their account to be more than capital preservation but less than capital appreciation with the intent of earning income. /70 Pin 1heroe. IYYtt wit Ira vork :0317 Morpe Sertei. tet—tt tnt Onktioti Crow %W&. %A. Confidential Treatment Requested by JPMorgan Chase JPM-SDNY-00064929 EFTA01584993