EFTA01511773

09 Account Number: FINANCIAL TRUST COMPANY, INC. September 01, 2004 - September 30, 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 Inhere are any Wife,* a OMISSICWIS an This allttMerit, Or/ you hale any queettatt about lb plane COMM you r SAM Account Reprettentetwe or JPASSI Compliance Department at (214 4834323. Please keep the knowing n mad when wog the statement le back lava JPMSI brokerage acbay This abstement asenbiles you generalnovo cacao: net the wooer memorandum account required ay Seaton 220 6 Regulation T As revered by Regobbon T. a permanent recad of)Our Separale account is available twat jo:u• regal Important &formation about Pricing and Vatuellarta Prim some of newt se provided by prong moon a other scaces shah he deem reAstre se not gutaanteed fa *cosy or as reolarble robes Free credit Ostances in yea account are not segregate/ and maybe used in the operation of JAMS,' bosons suateC110 amebas Of SEC Rule 1503-3 Unless alone.° inancled. JAM-St arts agents and depostIcnens wit hold on secure., Upon yew demand. JOU& oN pay to you the amount a me free Peal babae and we dear' to you foonad soeunbas half On you Daher Oleos( we be barged on any debit balance. Me method of caul:sang interests described ina War sent loan maftan coatonws Upon soften request as! we I supply you wet ore most recent statement required to be ranted to customers under SEC Ruke 170-50 Is parts? WI is make wth respect so an cams of sectribos included in your lAtnal Account a. we! oallsCatie red call bye Mead is. doom taw and equitable You should haeo naval separate JPMSI Wade contarnebons each 'aunties transaction AO trarisacbons aro strbiact tote loons and osnektons sad on Ma rovers. Siang such confrmatons and ate subject so be corishruton. byJaws customs and siSerpretattsns blew rnwhoplaco nap orooutod and goterned by and consPued n accordance wan the haws of the state a New Yak and al applicable 'oda-a f fans and factutebons You must Aron , advise JP14S1 a newel changes in )our instmont °Opel/Jos a Mama/ *Nation Unless you Worm JPMSI oMerwae, JPMSI wit confider me orbanalcoarrently in its tiles to no corroubto and accurate JAWS; is natured by law to rent to the Internet Revenue Sows °stolen* arallor interest ureace on bends credited to you account Song calends yaw Pease reran talon statement b as:0:1,04 n preparing yaks acme tan returns A Mena a i statement of SUSI u erahlable a on personal etspecbun at its °Ikea of a copy of it sill be mailed aPznYGor written request. JAMS/ a notebook and ea separate regal mayhem di bank a tint affibiee: mcludog JPUCE The lacunae, acid aimed a recommended by JPMSI Ara not at ad by the Federal DepOsof Insurance Corporabco a any other goverment& agency 0 Are not deposits a ant.' Obbgab,ns a JPICIS Dan* or WO effete., (unless otneense odcebd) and are not guaranteed by or the responotaly of any sat ateeleRunten eatery staled Otherwise) and (3) Moire investment risks cokang possible toes a the probes, oreskd JPAISIY banking afftheas may be lenders to issuers a sectobes Met JPMSI underwrges in which apse pf Mends Of alenngs underwritten by JAMS may be used la the repayment 0/such loans and you should reef to the clack:owe clawnents re4ahng to partoulw sateen la discussion of any such kmang realkonshos The Federal Reserve requires that JPMSI Caen yaw consent before N can aten oaten e motion tomes bank a Wit *Abated ochidog mew Credit evaluation a yOu We 060 assume that kw Contnong to tor &WO bu.S.nen man JPMSI wit constitute 3010 00n NMI 10 it. shitng of such Infer mown try.)PMSI and its bank a own ahroWee. *Die e.t.a permitted by It. dikalorgan Reese Bankable markong name to. the preen, banking Maness co ducted by J P MOrtian Chan 6 CO thrOugh as alateralrea waldorde. l°1105a7 'PUCE and JAWS' Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037607 SDNY_GM_00306805 EFTA01511773