EFTA Document EFTA01508714

JPMorgan Private Bank FINANCIAL TRUST COMPANY INC December 01, 2007 - December 31, 2007 J.P. Morgan Portfolios Upcoming Changes To Your Brokerage Account Beginning January 2008. J.P. Morgan Securities Inc. will no longer mail clients individual trade confirmations for dividend reinvestments in money market mutual funds held in brokerage accounts. However, all transaction information included in these confirmations will continue to be provided on account statements and be available upon request. You can also access transaction history and other account information anytime on Morgan Online. To enroll in Morgan Online or if you have any questions, please contact your JPMorgan Private Bank team. Table of Contents Pogo Account Summary 2 Asset Account Portfolio O 30171-00-5 JPMCB 3 Margin Account Portfolio 161121381 JPMSI 17 00000000.000 ocao coo 0°00000w 0000100 600 500 OV 0000f FINANI8 FINANCIAL TRUST COMPANY INC ATTN: JEFFREY E EPSTEIN C/O AMERICAN YACHT HARBOR 6100 RED HOOK, QUARTERS #B3 ST THOMAS 00802 VIRGIN ISLANDS, U.S. Page 1 of 19 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00034055 SDNY_GM_00303253 EFTA01508714