EFTA01511714

04 12004 Account Number: FINANCIAL TRUST COMPANY, INC. April 01, 2004 - April 30, 2004 J.P. Morgan Securities Inc. 270 Park Avenue, New York, NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 17 of 17 IMPORTANT INFORMATION ABOUT YOUR .11WASIMARGIN ACCOUNT Inhere we any wren? or OmfSWOrle an this Stelttment, Of If you here any quieedarleabOuf 14 plane COONCI your suss Account Representenve or JPMSI Compliance Depart:rat at (214 4834323. Please keep the fallowing an mod when uswg this statement to boa yew JPMSI brokerage awry This statement combines )w general sego sown: mitt the speael memorandum account requeed by Seaton 220 6 Regubtan T As rebored by Regubbon T. a permanent recad &SSW seeable account is wadable tips pea request. Sponse Wormiest abaft Siang and Valuellent Popes some of newt seprovided by prong mass a other mass *MS no deem safe we not guwenteed la *cosy or as masa roles Free credit Ostances in yea account are not segregate/and may be used in Uto operation of JPWSIs bosons suateCf 10 The kmatuns Of SEC Rub 1503-3 Unless Saws° infested. JAI& ads agents and deposacnens war flak/ yvt, securities Upon yew dermal. ASA& al payto you the amount of sour free peal banse and a Saw to you fury- ad s00uwbes hatl SSW Slake Intern( DWI be chested on any debit balance the maenad Of °skating entreats described me leder sent ball maga carts Upon rats request JAWS vog supply you wet ov most recent statament requited to be tufnisned to customers under SEC Rolo 170-5fa Na pawl cube made kWh respect so an ese assess included in )OW' lAbba Account we wel Sate the call by a method is. deem far and equttebb You should haw sawed separate JPMSI bade conarnabons la each secuntes transaction AO tarksactens are agact SS. terms and CendtOOS sad on we reverse Sided such solvates and ere subject sable conshbas by-laws custom and rbeeprolatans able ?nab:Islas n /Ito executed and governed by and construed a accordance wan the laws of the state a New Yin and a op/mica/go 'oda-atlas and tegulebons You sat promptlySas JPMSJ a metered changes in )our mantmont obpcbeas a Mama/ *Nation Unless you Worm JPMSI oMorwae JPI4S1 red consider me abash*, cumently in itstiles robe car re and accurate JAMS; As sewed by a to spat to the Intend Revenue Sows as dsdend s arelbe Serest maws on bonds credited to your account Sag colander yaw Please reran all w statemenb bass at you n preps ag yens ass tan returns A Ansa a I statement of AVM us amiable fawn personal emperben at its ages or a copy of a will barnacled uPznlytir wars request. JAMS/ a no I a bank and isle separate legal enbly from ds bank a MM affibiee: sloths JPMCS The secures sad alma a recommended by JPMSI ft) Are not ms ed by the Federal Depose Insurance Cavora0s a any other queeranent& agency 0 Are not deposits or other °Saxton. el JPIASIS bail or tat anat., (unless anamse Steal and we not guaranteed by or the responsentrly of any such effasleaunless Corky staled otherwise) and f3)Irreave seamen f risks skids possible loss of the paste eweskd JPMSI banking Oates may be lenders to suers of tosses Met JPMSI underwrees in when case proceeds of °news underwritten byJAMS may be used kr the repayment 0/such loans and you should fee to the deobswe documents tabs to nista secures kr discussion of any such ;sang refelsonshas The Federal Reserve Sows that JPMSI Cdt.n yew Consent before a can Obtan Sean f metiOn banes bank Cr tat efbOates overdub men credit en/Amnon Ova We aver assume Na kw con0nung to transact bu.S.nen mtl. JPMSI al SSW* wee 00n sent to the shag of such Infernown by JPMSI awl its bank or Wet aft 6S.S. 10160 of IBM perm red by law JP4lorgan Press Bonk s the mans name to' the pros* banking Maness conducted by J P Morgan Chan 6 CO though as Subbaanall %bridal?. WARS; 'PUCE bad JAWS' Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037547 SDNY_GM_00306745 EFTA01511714