EFTA01511671

01 Account Number 166759021 FINANCIAL TRUST COMPANY, INC. January 01, 2004 - January 31, 2004 J.P. Morgan Securities Inc. 2004 270 Park Avenue. New York. NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 16 of 16 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT II thee we any error. or omissions an this malement, orlh you have any questions about It Went caner your JPMSI Account RePresernOW or JPMSI Compliance DaPanalara at an/ 483'2323. Please keep the fabvong m mad when using Ma statement I I o boa yow JPMSI brokerage actvfy This ablernant combines sour general mono account roM thespecial iramerandurn account requeed ay Section 220 6 Regulation T reaored by Reputation T a permanent mood &yaw separate account a available upon has request. Important InfOrmatIOn 'POW Mang and Valuathang. Popes some of neat are provided by piano se-aces a atom sconces oath we deem rettab not gustenteed fa scantya ss reMzebb waived Free aerie Mences in yew account are not segregate/and may be used in the cow Mon or JPMSts busoess subject to The knuNtions c f SEC R14015033 Unless othenvise instructed. JPMSI ads *gents and depcmleines rag bold sot, aecuobes Upon yew demand. JPIASJ tot pay to you the snow* am" free wed, ban, and wtI deka' a you /up/-pad sacuoteo heal on your DOW trans( was be merged on any debt balance. Me methed Of °obviating interests dews bed n a leder sent Mao maigv, coatonws Upon molten request JPMSI wit I supply you watt ov moat regent statement required to be Waned to customers under SEC Rob 17m5(c) If a patalcial is made wen rasped to an Issue of sonnies included in sow Mar Account we wet Mbeato the coil by • method iv• deem taw and equitable You shwb have 'caved separateSUSI trade confirmations Ia each seaman transacton Ail trarksections two sirbiect tithe terms and cionditons sated on toe reverse side of sWiconfomatons and we soiree tome corkshtuebn. byJaws aatorns and interprotatons WM. rnwketplaco nhav moaned and goterned by end construed to accordance with the haws Oi the stale a New Yak and at appacablo 'oda-a/Ins and immitebons You must Aron advise JPMSI a meters, ta ngos into, mantmont awakes a Meow/ Mato, Unless you Sam JPMSI ornwwaik, JPMSI wit consobr trio mammalian cunontly in as tilers to be corriebte and accurate JPMSI is leisured by bw to repot to the Internet Revenue Seatce a0daaaxis aratior interest inCenbi on bards wedded to your account Sono calendar yaw Please elan& AdeMenb bass 0! you 01 p a Nog you incOme ten returns A Mena a Istatement of AVM u available fawn personal aispecbso al is °Ikea a a copy ot t sic be mailed ',Pon lcor written request. JPMSI a notebook and a a separate legal may from as bank a Prat affaikkas mckaling JPMCS The sagas acid peered a recommended by JPMSI ft) Are not ma ad by the Federal °epos,' Insurance Cerporebon a any other government& agency 0 Are not deposits a wine' obagatons al JPMSIS bank a gra sadist., (unless otherwise mdcrobd) and we not guarantied by or the responsitnby of any such Wigalet(untess emlicaly stated otherwise) and 13) leryorve mitatment risks eickriing possible loss or the principal iniieskd JPMSI banking atfthetes may be lenders to issuers asecwbas Mal JPMSI underverres sn whet apse a meals or onennot underwritten by JPMSI may be vsed a the repayment dsah loans and you shouU rata to the clack:awe documents retting to Wooly seaways for discussion of any such lending terislonships The Federal Reserve regimes Met JPMSICOtein yew Consent below? a Can Mao Certan or miatiOn band, bank cr pre erMates. inoliding Fier credit eveMation cr you We rea stswne that ow continuing to tenses bu.S.ne3.1 men JPMSI wit CCrisNut e your <Jensen( to Me sharing of such San*hon by JPMSI and is bank a Wit artrabea. *Me (silent permitted by taw JPMorgan Proem Bank G toe maikong name for the private banking DIMOND COnduae/ by J P MOrgan Chase 6 CO though as eabellharbe walMode. l^CloMnd JPICC8 end iliPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037501 SDNY_GM_00306699 EFTA01511671