From: "Morris, Paul V" <

From: "Morris, Paul V" < To: "[email protected]" <[email protected]> Subject: RE: Credit Reference Letter Date: Mon, 13 Jun 2011 20:28:13 +0000 I would make some changes to this, Janet from client service will reach out to DI From: Young, Janet E Sent: Monday, June 13, 2011 4:21 PM To: [email protected] Cc: PB-Service1318; Morris, Paul V Subject: Credit Reference Letter Mr. Epstein, Attached it the Credit Reference Letter that you requested for Financial Trust, Inc. Please let me know if you require any further assistance on this request. Thank You, Janet Young Janet E. Youngs Vice President I Private Bank' M. Morgan 1500 Stanton Christiana Road, Newark DE 19713 T: F: Alternate contact: Gina Swetra I T: I F: To ensure a prompt response, please direct your reply to our team: T: F: This email is confidential and subject to important disclaimers and conditions including on offers for the purchase or sale of securities, accuracy and completeness of information, viruses, confidentiality, legal privilege, and legal entity disclaimers, available at http://wwwjpmorgan.corn/pages/disclosures/email. EFTA00912864