EFTA01505300

09 Account Number 161121381 FINANCIAL TRUST COMPANY INC September 01, 2002 - September 30. 2002 J.P. Morgan Securities Inc. 2002 270 Park Avenue New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 35 of 36 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Contact your client service specialist if you think your statement is incorrect Or you require additional al/primnon about a UantaCtiOn on your statement IMPORTANT INFORMATION ABOUT YOUR JAMS! MARGIN ACCOUNT If there are any Orrin Or &Mations of MIS statement. Or if you nave any questions about it please contact your JPMSI Account Representative or JPMSI Compliance Department at (21V 483.2323. Please keep the kayoing on mod when rang Nos statement b track your JPMSI brokerage acIvify This stelernentCarbines you general "reign BCCOunl with thO Sp00.1 MOma Worsen OCCOunt ragweed by Sedan 220 6 RegulObOn T As required by Regulebon T a permanent record dour separate aCCOunt b available WOO la , request Important tnIonnaVon about pricing and valuations. (4,0e3 some a each are prOvdod by {voting Services 0, Other sources whiCh ne deem/eget*. are not Tie/anted kw accvrecy Cr as roO.Vablo .glues Fencredit balances m yOu, account Aro not segregated and may by used in Ire operation ot.h0/.45/1 business Sutra DO trio Amtatons of SEC Rule 15cX.3 Unless otherwise arostuctod !WS, a its agents and deposrtenes hod rots socurtos Upon your denund JPMSI .0/pay to you the amount of plat tree end,: balance and mil doher to you fulki.oad socuntos held on your bona interest ree be charged on any debit balance. rho method of cotthiating interest rs eh:dated m a hooter sent to an margtn arstarors Upon antral request JPMSI wit supply you ...An ots frost recoM Marron: fecund to be furnished to customers under SEC Fey*. I 7a- c) Ile porta/cal/4 mode wth respect to an issue of sew ites encluded en your Moron Arecent no vtiV &but* the call by a method we deem dm, and equitable You shed have received seprealeJPIOSI bade contrmeecns fa each secteeres 0 arse:bon At bansectos ere sutoct b the berms and conditions stated on the reverse side onuch confematons and we subpect to the constitution. by-laws customs and eNeveretatons of the no. ketp.bce shoe erearbd and gosemed by and conaaued an *co:stance with Me laws of the stated New York and all °apical* federal leas and requirgons You must etompey advise JAMS/ of meleel charges in your 'meat/nen: objectives or femme-al squab'', Unless you :tram JPMSI cMerwrte JAMS: wit consider the obtmaten currently in its Nos robe complete and accurate JAMS: is moored by law to remt to the Infernal Remove Service aadiv•denda end merest income on bonds °Weed to yore aCcount durfog calendar year Pkese retain atlyou atalerrynts basset you in preparing 'oat inosme tan returns A financial statement of JPMSI is &Whist* Ice your personal MtpeCton at its *Mon a a copy of if ma be mailed upon your written request JAMS; is no I a bane end is e separate legal entry from As Oen, a eve aff AsPos mcAidmo JPMCB The secedes add °leaf a recomnrondad ty/PMS0 (I) Are not insured by the Federal DePOsd Infuriate Caper Mon of any other gOvtonnlorthWegency (2) Are not deposits a other a:Valens d JP4tSra bank a Or t aff mates (unless omervose indicated) and me not guaranteed by or the responsibiety Of any Web aft arales(unkes 0.10<e4 stated otherwise). and 13) Inhcee investment inks mc4.4,02 posed Os, 01 Zr. teinCpahmesteLl JAMSIs banking afIn‘ares maybe lenders to issuers of seCtsdies that JPMSI UnclervefSn m which case on:coeds of Offerings unlirver:Ien by JPMS may be used be the repayment of such bans and you shOull refer to Zr'. chscewoe documents (OWN I0 partCukv Seatta.9 Ice d,%usson of any such lending ref.:0040bn The Federal Rosen* req we es that JPMSI obtan your conscre orsby it can obtain certain meormation Fames bank a eine &ideates mc.lidmii :hoe credit m a4naton Pryor We ado assume that your conenuno to transact busness aids JPMSI ree constitute your consent .t Me Marrero err such robe nntion by JPMSI and ms bank a that e 1/4,..s!es tome *Afoot potmttod by Ian JPMorgan PrvateBank.s the nwionng name to the prrrate banking business conducted by JP Morgan Chase 6 Co through da suesdones emir do atalmg JPMCB and-ANSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00030280 SDNY_GM_00299478 EFTA01505300