EFTA01511787

10 2004 J.P. Morgan Securities Inc. Account Number Margin Account Portfolio FINANCIAL TRUST COMPANY, INC. October 01, 2004 - October 31. 2004 1''JPMorgan Private Bank IMPORTANT INFORMA TAN ABOUT YOUR JPMSI MARGIN ACCOUNT If hOfe We any tot's or OinittiOsIt Oh Misstatement, ad you have any questions about(4 plate COMM yOLWJAWS/ ACCOLIIIRONOWHOOVO of JPMSI COMP/10/1CO Department al Please keep the fabenng an mod when tarp mu statement to ha yew JPMSI &awn° actvay This statement combines pour general Inman tbaunt nth the special memorandum account required by Satan 1206 Regulation T As rebored by Regubbon r a permanent (egad Of )04T separate accounts •VattibIO WOO )01/11.91.0061 Important InfOrmattan Saba: PtICIng and Valuilltatte Poces some of wean are provided by prong mavens a obey sources anal we deem rebates we not guwanfeed fa .cancy or ss reMzebas naves Page 14 cl 14 Free mot mamas in yaw account are not segregate/and may be used in the overman of JPMSts Dueness suateet 10 The Inklabons Of SEC Rule 15033 Unless offreanso msbvaed. JPM.9 arts agents and deposacnes rear hob pal meat*. Upon yew demand. 'PM& AMpayto you the snow* of your free ants baba.. and wa debar to you luanad seCunbss UM On you baba Intent owe be drags on any debit balance. the snood Of °obviating OWN? desa bed ina baler sent 10 all maw cuatonws Upon soften request JPMSI wet I supply you with our mast recant statementrequeed to be lows/led to Customers under SEC Rule 170-5(c) Ifs petal cell is merle wan respect ban awe a SOCalbea included in you' Mar Account we weleacate red call by a method we doom taw end egutebb You snood haw aceved seen* JPMSI Wade contrrnabons each senates transaction Aa tansectens ea sagact bbtho MOW ant concAtons sad on Zr. rovers. side 0/91.‘"hoonlymatvans and we subject blue comittulan. byJaws customs end aberprebtans ot No mwbsalaco ate* executed and bawled by and COnStrued in accordance wan the laws of the state a NOW Yin and eV apoicabio adonanns and ragutebons You mat promptly advise JPMSI a metered changes in you imastment obpclotos a Mama/ *Nation Unless you inform JPMSI carers°, JPMSI wit consider me arcansacncumsaly in as tau robe corninbto and accurate JAMS'S /caused by law to report to the Internal Revenue Sconce satyr:tends aatior rawest monks on bonds gadded to your account dreg calendar yew Please 'elan ON)C4I SialtYreelb boss 0! you in p'epe'g your axone Le returns A Mena a tablet:ant of ANIS is evadable fa an personal mecca= of its °Ikea et a copy d N wal be mead upon )w eaten request. JPMSI a nal a bank and a a separate legal entry from as bank a tact amass mcbdang JPMCS The secuntes sad bleed a recommended ay JPMSI ft) Are not ma ed by the Fed. al Deposit Insurance CapOrebOn. Cr any at*, governmental agency 0 Are not deposts or other obagsbons a JPIASI ban"; or Waft abate., (unless otherwise adgebd) and we not guaranteed by alb* responsantrly of any such offasknRunloss ealc6ly staled Otherwise) and Irrycive investment risks ebbing possible bus of ye primps, imeskd JPAISIY banking affthates may be lenders to asuers of sent boa that JPMSI underver61,4 in what apse ix Meads a aflame: undenw ben by JAMS, may be vsed la the rtrayment of such loans and you shard race lo fle daobsure documents rotas to pertcular searraies for discussion of any such lending refelkonsbps The Federal Reserve Wanks NM JPMSIC0tan your Consent betone a con Cabin oaten manenan bands bank a Wit effaates. rabang Per credit evaluation Ora We rat insane that your contemn° to trimaCt business nth JPMSI wit CRAMP a an lent 10 the shame of such Infoombon by JPMSI and Is Dal* a (NA abbaba rope en lent pampa by bw JPMargan Resale Bonk the markong name for the bras* banking Dueness CarduCte4 by J P Magian Chan 6 CO NY Our 45 Sandenn waldrde. mClabo2 JPMCS end JPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPNI-SDNY-00037621 SDNY_GM_00306819 EFTA01511787