J.P.Morgan FINANCIAL TRUST COMPANY INC ACCT. For the Period 12/1/09 to 12/31/09 DEPOSITS IN FOREIGN BRANCHES ARE NOT INSURED BY THE FDIC. THE FEDERAL RESERVE BOARD OR ANY OTHER GOVERNMENTAL AGENCY: AMOUNTS IN THE TIME DEPOSITS DO NOT HAVE THE BENEFIT OF ANY DOMESTIC PREFERENCE APPLICABLE TO U.S. BANKS. Page 14 of 14 Page 15 of 21 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00035044 SDNY_GM_00304242 EFTA01509530