EFTA Document EFTA01491390

J.P.Morgan FINANCIAL TRUST COMPANY INC ACCT. 24200686 For the Period 811110 to 8/3U10 Free credit balances in your account are not segregated and may be used In the operation of JPMCCs business, subject to the limitations of SEC Rule 15c3-3. Unless otherwise noted, JPMCC or Its agents and depositories will hold your securities. Upon your demand. JPMCC will pay to you the amount of your free credit balance, and will deliver to you fully-paid securities held on your behalf. Interest will be charged on any debit balance; the method of calculating interest is described in a letter sent to all margin customers. You should have received separate confirmations for each securities transaction. All transactions are subject to the terms and conditions stated on the reverse side of such confirmations and are subject to the constitution, by-laws, customs and interpretations of the marketplace where executed and governed by and construed in accordance with the laws of the State of New York and all applicable federal laws and regulations. Further information with respect to commissions and other charges related to the execution of transactions, including options transactions, has been included in confirmations that were previously furnished to you. Upon written request. JPMSI will promptly supply you with the latest such information. Bank products and services are offered through JPMCB and its affiliates. Securities are offered by JPMSI and, to the extent noted above. cleared through JPMCC. If a partial call is made with respect to an issue if securities included in your Account we will allocate the call by a method to which we deem equitable. You must promptly advise JPMSI of material changes in your investment objectives or financial situation. Unless you inform JPMSI otherwise. JPMSI will consider the information currently in its files to be complete and accurate. JPMSI is not a bank and is a separate legal entity from its bank or thrift affiliates, including JPMCB. The securities sold, offered or recommended by JPMSI: (1) Are not insured by the Federal Deposit Insurance Corporation, or any other governmental 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. JPMSrs banking affiliates may be lenders to issuers of securities that JPMSI underwrites, in which case proceeds of offerings underwritten by JPMSI may be used for the repayment of such loans. and you should refer to the disclosure documents relating to particular securities for discussion of any such lending relationships. The Federal Reserve requires that JPMSI obtain your consent before it can obtain certain information from its bank or thrift affiliates, including their credit evaluation of you. We will assume that your continuing to transact business with JPMSI will constitute your consent to the sharing of such information by JPMSI and its bank or thrift affiliates, to the extent permitted by law. Account 24200686 Page 10 of 10 Page 56 of 56 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-000 13603 SDNY_GM_00282801 EFTA01491390