From: "Young, Janet E" < > To: "[email protected]" <[email protected]> CC: PB-Service1318 , "Morris, Paul V" Subject: Credit Reference Letter Date: Mon, 13 Jun 2011 20:21:29 +0000 Attachments: [Untitled].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. Young' Vice President 1 Private Bank' • Morgan I 500 Stanton Christiana Road, Newark DE 19713 T: 800-634-1318 1 F: 888-731-66071 Alternate contact: Gina Swetra 1 T: 800-634-1318 1 F: 888-731-6607 To ensure a prompt response, please direct your reply to our team: T: 800-634-13181 F: 888-731-6607 This email is confidential and subject to important disclaimers and conditions including on offers for the purchase or sale of securities, accuracy and completeness of information, viruses, confidentiality, legal privilege, and legal entity disclaimers, available at http://wwwjpmorgan.corn/pages/disclosures/email. EFTA00674734