EFTA01511639

11 2003 Account Numbe FINANCIAL TRUST COMPANY, INC. November 01. 2003 - November 30, 2003 .I. P. Moroarl Svciirinc‘ Inc. JPMorgan Private Bank Margin Account Portfolio Page 14 of 14 IMPORTANT INFORMA TAM ABOUT YOUR JAWS! MARGIN ACCOUNT Othere are any effort Of °minden an this statement or!! you have any wee Lions about IA Mete contact your JFIVS1 Account Representative or JPMSI Compliance Deparrilltne at 04 4834323. Abase keep the kabwang an maid when usrng tha statement to frock yow JPMSI tacactege actvfy Tlus stakmaant combines your general n-ation account roth the specalmamarandurn account required by Seaton 2206 Regulation T required by Regutsbon T a Rammed rectal dyes separate account a ayabble won pas request. ImpOrtaM InfOrmatIOn about Mang and ValuallOnt Aces some of *fah are provided byprong 30aCeS a other sown wnrh we deem rettOhy are not gustenteed la scanty or as ratan** valves Free ae0606.6nces in yea account are not segregate /and nay be used in the operation of JAMS), lasoess start SO the InsAbons d SEC Rule 1503.3 Unless almanac. instructed. JAMS, a as agents and depmknes M hokl yon aecuribes Upon yew demand ,ANSI mil pay to you the amount or )ot, free oval banee and mI deAer to you loo/-pad sectnbeo heal on yea Death! Intent mil bedraped on any debit balance the methOd Of cekulabng infanta descAbed ina leder sent to an mew coalmen Upon soften request JAMS me supply you win W mOsf recent statement required to be Walled to CuslOmers under SEC Rub 171O(G Ws petal call a made wth respect so an Issue of socarbes included en your Mar Account we waist:ate the call by • method war deem law and equitable You snood baye monad sopa:weJAM& trade conerrnabons la each seamen transaction At trarksachons ere subject both. lams era con:Mons sad on me My0010 sde dso.‘-to coolomarons and we sutra so the coastal/a:A. byJaws aatorns and sWerprelabwns d The rnwhwoloco ante executed and goterned by one construed in accordance wan the haws of the stale a New Yak and all appacablo kdeal Ins and inugeboos You must promptly Wars* JAMS! of nitwit changes in )our imastmont awakes a anemia Masten Unless you Sam JAMS' ornerwars JAMS, war consider me orbanehan cannily A as tau* bo cornebto and accurate JAMS; is /caused by law to repot to the Internal Revenue Servce a0d6rdends aralax interest Ober* on bonds gadded to your account Arno calends yew Pease felon Own state end boss 0:10,4 in preparing you "cone ten (Sums A finance statement al JAMS us wadable for yews personal superb= at as °Aces a a copy of a wire be marled upon )GOr waren request. JPMSI a no I a bank and mason/ate legal antsy from As bank a theat affiNseca Act/Poo JPMCB The sacuraes sad anted a recommended by JPMSI Are not ma rad by Federal Deposit Insurance Caporebon a daycad peva ranenttaagency 0 Are not deposits a ono obbgalons of JPIASJa bank a bra aff Areas (unless otherwise Adcebd) and are not guaranteed by or the responsantrly of any such OraeleNNunless mplcaly staled otherwise) and (3)IrrycAsa investment risks nctriarg possible loss or the principal invested JPMSI batwing allthates may be lenders to swan of sem be Mal JPMSI um:Newts in which case proceeds of teams* undenw Gen byJP/49m.y be vsed la the rabytnent OT Sven loans and )ttr shouU refer 10 the claabaee documents AWING to bathtub, seesaws la discussion of any such kmding reaslanships The Federal Reserve Acores that JAMS/CO:An yew Consent belOre a an 00tan oaten WO melan tom do bank Cr Wit effdatea incarclaig mew Credit evearabon ot you We real assume that kw contemn° to trillaad bu}ne3.1 men JPMSI wag COnstaile 3010 Cement to the showy of such Sanshon by JAMS, and its bank a (NA enkaaa. *the robot paraded by If., JPMorgan Ammar Bank a the marketing name fa the aware banking busmen co ducted by J P Madan Chase 6 CO dwoorth as aleardrenea waldmde. watdrne ',MICR end APMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037469 SDNY_GM_00306667 EFTA01511639