Young, Janet E To: jeevecationegmaitcorn Co: PEI-Service1318: Morris, Paul V Subject Credit Reference Letter Attachments: fUnbIledi_pdf Mr. Epstein, Attached It the Credit Reference Letter that you requested for Financial Trust, Inc. Please let me know if you require any further assistance on this request. Thank You, Janet Young Janet E. Y Vice President Private Bank J.P. an 500 Stanton Christiana Road, Newark DE 19713 Alternate contact: To ensure a prompt response, please direct your reply to our team Confidential Treatment Requested by JPMorgan Chase JPM-SDNY-00064304 EFTA01584433