J.P.Morgan March 19, 2010 Darren Indyke Financial Trust Company Inc 6100 Red Hook, Quarters B•3 St. Thomas, Virgin Islands 00802 Re: J.P.Morgan Asset with Brokerage Account Number for for Financial Trust Company, Inc. Dear Mr. ndyke: I am pteased to confirm the opening of your accounts at J.P.Morgan. We look forward to bulding our relationship with you. Enclosed is your account agreement which governs Iris account. Please call me with any corrections specific to your brokerage account information. After ten business days, we will assume the account documentation is correct. Please note that any subsequent new accounts you open will be governed by J.P.Morgan's General Terms for Accounts and Services arid the applicable account agreement. In most cases, you will riot have to sign any additional documentation. For your reference. I have included your team's contact information: Name Role Telephone Banker Investor Client Service Specialist Account Opening Specialist Paul Morris Jeff Matusow Janet Young, William Doherty Rosalie Cracchiolo Investment Objective Definitions SEC regulation requires us to provide definitions of the investment objectives outlined below. that we use, which are Capital Preservation • For clients looking to preserve their principal, but who are comfortable with a small amount of volatility In exchange for the possibility of returns. Clients with this objective are interested in liquid, lower risk investments. a portion of which may have short terms and stable values, resulting in smaller returns than some of the other major asset classes. income Generation • For clients seeking a balanced approach to growth through a combination of products with differing levels or risk and return, Clients with this objective expect the volatility in their account to be more than catrtal preservation but less than capita, appreciation with the intert of earning income. IX Pub seen*. rem ierioiers 'do* :0317 ..P Wit Sefftel.n-4( atrrt tnt Onktiati eine ten- %A. Confidential Treatment Requested by JPMorgan Chase JPM-SDNY-00064420 EFTA01584540