Financial Trust Company, Inc. 6100 Red Hook Quarter, B-3 St. Thomas, VI 00802-1348 Phone (340) 775-2525 Fax (340) 775-2528 FAX T LINN SmIrrAL To: From: Date: RE: MX: 0 I "ItGENT 0 FOR YOUR INFORNIATION ()PLEASE REVIEW 0 AS PER YOUR REQUEST TOT t PAG ES ( Including Transmittal Sheet) COMM ENTS: EFTA01221144