EFTA01511438

05 12002 Account Number: FINANCIAL TRUST COMPANY, INC. May 01, 2002 - May 31, 2002 J.P. Morgan Securities Inc. 270 Park Avenue New York, NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 45 of 46 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Contact your client service specialist of you think your statement is incorrect or you require additional offhandnon about a OanteCtiOn on your statement IMPORTANT INFORMATION ABOUT YOUR JAMS! MARGIN ACCOUNT ll there are any Orrin a &Mations On MIS Statement. Or if yOu nave any pertinent abOul tt plena Contact your JPMSI ACCOunt Repredentative Or JPMSI COMplaanCe Department at (212)483.2323. Please keep the kayoing on mod when Lang this statement b track yOur JPMSt artaterage aavify This stalenXmloomteXe you general margin Setae°, men the spOOMMOMO•Odurn account ragweed ty SeCten 220 6 Reg' abal T As require(' by Reguebon T a permanent record dour separate account is available 14000 r regent Important tnIonnanon about pricing and Valuations. EbOeS some a when are 'warded by peeing serviced 0, Other Sources whith we deem /eget*. are not fps soloed to' accuracy or as 'sizable kalues Fencredit balances m VOW' OCCOunf Aro rat segregated oaf may by used in Zr. operation of JP/.4Sts business subject to trio draddiS of SEC Rue 15cX.3 Unless ahead.° ardtuCted !WS, a its agents and dep,SrteneS w,5 hod dna socurana Upon your dentin JPMSI at' pay to you the amount of your fro. ['edit &Nance and will deine- to ylLNI tuajdae SOCuntOS hen err year beaaa interest wig be Charged on any deb. balance. rho method of cab/Wing interest d (Waded m a hotter son: to all margin customers Upon norton request JPMSI aid Supply you wen oursrostrocoM statement fecund to be furnished to customers under SEC AA. 17a-5(c) If a porta/cal/is mode web respect to an ague of securities ,no, ee en your Margin A.-eamt ne wiV &bra the oaf by a method we deem lair and equitable You should have/convect sepwaleJPIOSI bade contemetions fa each seam*: Sense:ten At Sense:tens ere sutect to the Yarns and conddens sbted on the reverse side ol such confematons and ere subject to the constitution Oydaes customs and mkwevetatons of the mew ketp.bce shoe exea.obd and goiemed by end cons.Vued an *accedence with the laws of the stele a'New York and all °apical* We:fatless and requicratins You trust etompity advise JAMS/ of matte! changes in your 'mese/nen: objectives a financial squaton Unless you elan JPIOSI cMerwee JAMS: cut consider the obtmeten currently in its huts robe complete and ecodate JAMS: a moored by law 'Goat to the Infanta &hems, Sow. as dividends andror interest income on bonds aedSed to your &count during calendar ye. Please retain atlyou statenynts bassist you in pi epaung your income lay returns A Anemia, statement of JPMSI is tradable fa loots personal inspection at Rs *Mon or a copy of. ma be mailed upon 'mai written request JAMS; a no I a bank soda* sepwate keel entry Iron, As ben* a the affAstes mAidtrig JPMCB The sect/Res add °leaf a recommanded byJPMSl (I) Ave not insured by the Federal De(Osl InstsinCe Caper a!on a any oth€e gore t anent.) agency (2) Are rot deposits a other obaplons d JPAAS, Edna a dad affmattis (unless OUVIVOSe indicated) and av not guaranteed by a the fespOnSibigy Of any Seth ertAeles(unless erptCely stated othen, ne) and (3) Irrecav investment rake oc4.60.2 poss,Cae less of tt,e tvinGpat imestea JPMSIY banking afIn‘ares maybe tenders le awes a Wades that JPMSI under...fees 0Sn Case proceeds 0 I MPugs undowiden try JPMSI nevi* used Icr the repayment of such bans and you shOuitl fele, b Zr. esck e &Currents (Skov IO par Vat" Seatta.9 Ia doc11330n of any such lending rehddedhal The Federal Reacde 'agates that JPMSI obtain your consore &dot rt con oaten oaten meametion homes bank a Mr": aff*rates ockidLng mov credit evaluator eyed IVo n A assume that your continuing to transact busoess mthJAMSIresll constitute your consent to Me Marro of such nada outdo by JPMSI end its bank a that eittabs to the enfant permeed by Ian JPMorgan Prveto Ban the maniaMg NUM, to ma a/Nab banking business conducted by JP Morgan Chase 6 Co througn its subsdanos watt./ do irhadag JPMCB and -tad& Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037264 SDNY_GM_00306462 EFTA01511438