EFTA01511856

03 Account Number FINANCIAL TRUST COMPANY, INC. March 01. 2005 - March 31. 2005 JPMorgan Chase Bank, N.A. 2005 345 Park Avenue, New York, NY 10154-1002 II3JPMorgan Private Bank Asset Account Portfolio Page 12 of 17 In Celle Of Emote a Questions About Your ElIveronle Transfers. Contact your Morgan Teemst one or Me tekohottenunterson the front or This staWnentor rote us N500 Stanton grabens Road. MOPS Newark W1970-2107 ea 800n SS you can. yOu thnir War Statement a wrong Or/you need more WarrebOnetoute tenger on the staterran1 We must hear bornyou no Wes than 60 days after no sent you the MRSTstistement on which me era a woblem appeared (I)Titlus your on and account numbs (2)Oesaabe Me mores the Iensferyou ate unsure about and raplamas dearly as we can shy you beteved a in en°, a why you need mat intowebon (3) ter us the doter amount of was sowers WO,. Ifyou contact us as.* you must seed us you canpient a question rn men, wSkn 10 business days in mart* peeaatyourtghts We war invesbgele your careen t and wit correct an y mot monody If we tattoo:a than 10 business days to do Mrs (20days fce pwchases using your debit card a b WernatemeMansactrons) we wit crod4osts scosunl for Ow amount you aura a n era. ao that you wan bait the use of moneyduring the !me N Mies us to complete ow inyestgabon In use of went a quotient (WOW yOus sablemImS Including yew tine Olcrectit Nyco Mint Mat you statement a trewrsof or I you need more information about a banSattiOn ton yaw relerneel tredve a Ave of Credit trensaCtrOn. yev moss tote 10 us on a seperwasheet de:Wang the errs and send 4 10 ilPhkrigan Renate Sank 500 Stanton Chnsherta Reed IiOPS3 Newark OE 9713-2107 We mat leer torn you no Wee then 60 days elate statement on which the erase problem appeareda sent You can coked yaw chant senocospecalat but dung so wit not preseweyour nights In your Meek phase provide the logioning atIcntabon (1) you on and account number. (2) the Odle amount of Fe suspected seta. and (3)a dear peon ce the error end erptinettin Ayou cert why you betmethe e is an ma )(you need =re inkmebon. you must Sweeney tam you am unsure about The JINforpan Fonda or The Ottoman Instrtutional Funds or The Ameelean Century Funds Shares of the funds erg not bank deposits and are not guaranteed by any bank ganhourentenbly a fib FOC Returnand Share pea ita Maw)* tux/ redelnpLi0n val u May be entre Or less then Orate/Cost MANN; money' market funds Seta 1O maintain SIMle ref asset naiad ft 00 per shwa. Mem a re .m.itiwance that they waif con:mato& so The estimated annual wears and (Indochina:elbow's b rn4ual turas represent the funds' most recent income &wan annueeed The dolreutor of the JINtorpen Funds a di:Woven Cstobuton Services Inc which is an <AWN& JP...keno Chase Bens. NA JPIdargen Claw Bank NA and as affitabssreorr ecormsensebon tom JP!Augen Funds for proving services American Century InnestmentSenves Inc a Ms *Weiner of It* Am scan Century Fords Amoocan Cason Westmont PAsnagomentInc serves as meMnamadnsatoCstespalrcoruwdlamyaodrecavescomperastron tom that fund Moth toe providing investment octedoryond other sews If you here Chosen one of the sweep mutual funds you re not boa that posraons mine Runs Money Merkel Steep Fund Written! hOlchnOS in Me JPMorgan Rent Money Alarkst Fund. poosons in the Federal Way Market Sweep Fund represent Wang, in the JPMorgan Fedgealtloney Mania Fund and postrons in the Tex &mei ifoneyhtuliat Stamp Ford reprinenthodings in theSW:nen TawExemptWon MerorPund JANSIrs the cusecchwo allotted options and most noted furds noWing Ned piety mutual funds. pungresed through SIAS You shoua hararecervedseparatoJPMSIconntmetions for each saturates transaction NI &mutations re subset kr ale tuna end condhons staled on the roversesete of such COVVIrlatO1.9 ell 010.9libpa to lho cciruttubsa bylaws customs and Morpreatons of the marketplacewhere erecuted and punned by and constued n accordance with She Saws of the Stated New Yak and as applicabe federal laws and regulations. Further eternal= mth respect to commassons and other charges roe:alto the execution of transedons irckdokt OptiOnS Win:UKCOnt has been included in conlymetons that wen? peevou$Nrwnehed to you Upon swollen repute JONAS, wa er °MON Supply you ash the *5052 Such MOrmetOn. Sharehader se, certenJP%4 Funds ere charged a redemption !coequal to 2% of the proceedsif they exchangeor redeem Memo of such funds within BOSysof Dadaist suited Inertia accepbons set kWh In Na prospectus of Me epplicatOeFund Pleareconna your JAWirgan uttresenkttivekr a ANN the JFWA Funds Mal encase redsehobon fees JAMS, is a mamba Me SectubealrnestorProlection Caporationf'SIFC5 a notforiproMmentewshpecepaation funded by Oro, k idealeengsstored with the Securrtes and ExdrangeCarenissian Sec-untiesand cash held kra cusJornee account et JPIIS1 ere protected up to re Mel net sicheyof each accounl The first 5500000 of protection which includes up to 4160.000 c p °faction to cash. a provided by SOFC As of March 2004. the bakinceo Me profstbon is provdedby a sepeaecCessSIPC Surety Bond issued by Customer AssetProtection Company Slit and woe's Soft protection do not protect against losses born Bucttations in de wiled fro socuotos Assets held in aistoey by JPAtegon Chase tank NA (Mt Ittenk5sionol sulked to SPCA excess SiFiChmtecton JP Mann SecretesInc. JFVorgan Chase Bank NA a thereggees Me lbws Congsnieslmsy pate administrant aabdal saet clostributenor stwelokle rented to JINdorgan Funds MaiicenCenturyFunds a funds established sponsored. advaed. or Menai* aped by Wed parte& and me Merge COModnieti may be Compensated Mr MM SUWON JAN.:organ Pinata Bank NA is the market"; name kr Me prate banking busness conducted by J P Morgan Chew It Co though its subsidiaries weettwort noticing Jtchkrgen Chase Bank J P Morgan Trust Company. NA and JP Morgan SeCUMNIS Inc Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037692 SDNY_GM_00306890 EFTA01511856