EFTA01511685

02 Account Number: FINANCIAL TRUST COMPANY, INC. February 01, 2004 - February 29, 2004 J.P. Morgan Securities Inc. 2004 270 Park Avenue, New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 15 of 15 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT II there we any erred or omissions on Mb matement, or If you have any questions about It Plane caner your JPMSI Account RePresernOW or JAW/ Compliance DePanaltne at (212/ 1112323. Please keep the billowing in mod when tong Mrs statement 10 bock your JPMSI brokerage actvfy This statement combines tae general nation account rob% thespecs& rramarandon account required by Sedan 220 6 Regulation T As moored by Regutstron T a pomaded mood &yew separate account a available upon has request. Important InfonneflOn about DOOM end VeltatIOMP. Paces some of earn are provided by prong seances a other sons steal we deem neat* we Oa gustenteed Ia scanty ass moaned., roves Free °rear Mantes in yew account we not segregate/and may be used in the operation of JPMSts business subject b U* kmations Of SEC Nub 15033 Unless otherwise 'Wracked. JPMSI eras agents and depostIones wig hob yon secorbes Upon yew demand. JPMS1 tot pay to you the snow* of yet free cycle beano.. and wt deka' to you foonad seanTee heal on yew Delia Interest any be droved on any dela balance. Me medad Of cekuating interests described in a Ober sent t0 an ma am coalmen Upon mitten request JEWS will supply sou withal most leant statement required to be rwm,hed to customers under SEC Rua 171o5(o) Is portal cal is mode wen respect to an issue of secomes included en your Mar Account we wawa:cafe the coil by • method iv• deem fair and equitable You shoal hove mowed separateSUSI trade confirmations kw each securities tranSaCton AO transachons are srapset tithe loons and nonagons sated on ice reverse sided sWicontomatons and we subject tole casual/ikon. bydows castom and tratieprototans dare rnorketelseo aide executed and goterned by and construed m accordance wen me haws of the stale of New Yak and all ape/cable lederal Ins and regrubtons You must promptlyadvise JPMSI of maw, changes in )our mourned obpaves et Mame/ aluaeon Unless you edam JPMSI ornwwars, JPMSI red consider toe oforrnoton csnen ,M as tiles lobe tamable and accurate JPMSI is moused by tow to repot to the Internal Revenue Serves Oder:fax is order rawest income on beads overfed to your account doing calendar yaw Please reran sewn statements bass0:1ex, in Preparing yea incOme an returns A mental statement of ANIS us available fo new personal eispecasn ales draw a a copy alit Mk be mailed upon yet written request. JAMS/ a notebook and is a separate legal enby from di bank a ant affikatee mckding JOYCE The senates sold olleved a recommended by JPMSI Are not ma ed birth., Federal °epos,' Insurance Coreorebon a any Oho gover mantel agency 0 Are not deposits a ciao obrigetions d JPMSIS bane a Wet sedge., (unless otherwise tadtebd) and we not guaranteed by or the responsitntrly of any such offiteledunless eolcfly stead otherwise) and (3) Ina*e beestment risks eickkidig pons ire Ices of the precool imeskd JPMSI banking abates may be lenders to wows of sect:bee Met JPMSI um:boots in whits case proceeds of oaeaset underwritten by JPMSI may be wed fa Me raayment of such bent. and you shouti rare to the amebae., documents reasting to parbcutw secedes for discussion of any such lending relistronshies The Federal Reserve Young Met JPMSICOtein yew Consent before a can Man tartan donation band, bank a Uwe *Meares deleting Mew credit evaluation Ora We wet assume that poor contriving to trilliaad bu}ne3.1 nith JPMSI wA manta* your consent to Me Matra of such Inform/KM by.IPMSI and its bank a tea oftWOMI. bore "tarot paroled by If., Jellorgen Pr rya Bonk is toe morkemg name for the envoy banking business co ducted by J P Mercian Cease 6 CO though as evereataraa eralMorde. ',IOWAN; 'PUCE end .n 51 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037516 SDNY_GM_00306714 EFTA01511685