EFTA01511393

04 12002 Account Number: FINANCIAL TRUST COMPANY, INC. April 01, 2002 - April 30, 2002 J.P. Morgan Securities Inc. 270 Park Avenue New York, NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 17 of 18 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Contact your client service specialist it you think your statement is incorrect or you require additional Altoonanon about a trantaCtiOn on your siMerent IMPORTANT INFORMATION ABOUT YOUR JAMS! MARGIN ACCOUNT It there are any Orrin a &Mations On MIS statement. Or if yOu nave any question abOul It. please Contact your JPMSI ACCOunt Representative Or JPMSI COMplaanCe Department at (212)483.2323. Reese keep the Ssayenni2 on trend when Lang this statement b track yew JPMSf Wang., acIvify This stalen*nt combines sia general 'reign aCCOunt nth the speOMMemaandurn account meowed by SeCten 220 6 RegulabOn T As required by Reputation T a pev oaten! record or your separateMO:Ana available icon la" request Important Information about pricing and valuations. ;ben same a wad/ aoprOvded by {veep se-vices 0, Other Sources whiCh se deem ieMbe am not gyranteed for accuracy a as I...amble imlues Fencredit balances m yea, account pro net segregated end may by used in Zr. caration d 2.0/.4Sts &Anna subject so the PrrAtanOnS of SEC Rule 15cX3 Unless ofhorweso anstuctod !WS, a its agents and deposecnos s O hod rots secure.: Upon you' demand JPMSI suepayto you the amour of >ext free aed4 balance and will deinc. to ,CCI fuat.pad socuntos held on your *ease Went sense charged on any deb. balance. nue method of eat ulattng interest is chisaibod 117 a tatter son: to all ma too customers Upon antten request JPMSI wit supply you wan rrostroceM statement majored to be furnished to customers under SEC Rut. 17a-5(c) Ile partialcal/is made wth respect Jo an 'slue of securities encluded en your Mean A,earmt se wiV &bee* the cmd by a method we deem le, and equitable You should have teamed sepeealeJPIOSI bade confemebens fa each secteites 0 arse:ton At Vansectcns ere subect b the berms and condsbons stets on ;Iv reverse side of such confematons and ere subject b the cons:du:on by-laws customs and eNerpretatons of the rmrketp.bce shoe ema.obd and gowned by end conseued in *accedence web the Jaws of the stele of New Yak and all °Wail* federal lens and requicratins You must comptly advise JPMSI of material chin es in your 'meat/nen: objectives a financial squebon Unless you team JPIOSI cMerwee JAMS: we consider the obtmeten currently in its fees robe complete and accurate JAMS: is moored by Jaw to 'Gnat ti the infernal Reienue Setae ea Mv•dends arisVor interest income on bonds °aided to you, account during calendar yetv Physe retain stem.) statements bassist you in pepoung >caw income tan returns A Anemia, statement or JPMSI is available fa pato personal MapeCbOn et its *Mon or a copy of if ma be mailed upon )0t1 written request JAMS; a no I a bank and is* semvate legal entry from its bank ta that arnestos mckithrig JPMCB The secuthes sad cileed a recommanded tyJAWS, (I) Ave not insured by the Federal DePOSIInstsinCe CapOra!on. Of any other gOiei anent., agency. (2) Ne not deposits a other obNilkons Of JP4tSrs dam% a Wit allAates (unless OtArrvose indealed), and me not gumanSeed by or the fespOnsibiety d any st)Ch eft Aeles(un Jess israstety stated otherwise). and (3) trucee investment rah, ocl..d,02 µ,sb4 was 01 Zr'. twinCpat mot:leaf JPMSIs Nolen, aconites maybe tenders to issuers or seCunbes that JPMSI Undenvf rnwhCh Oise proceeds Of Olenngs undo-wit:len fly JPMS may be used la the mpayment of such bans. and you shOukt tele, to Zr'. chsck wire documents recta) 10 partCukv Watt*" for discusser, of any such tending reldlOnShel The Federal Reserve mg urea that JPMSI obtan your mosey before it con obtan oaten meametion homes bank a eine efeates ockidLng mew erode evaluator at We nil assume that your corenuno to transact busness seri JPMSI Yea con:Nub your consent to the shame of such mist nefion by JPIASI and es bank a Mat *e.t.d.'s. bane a, font permitted by law JPMorgan Pr veto Bank a oho nytionng rum, tot ma pwate banking business conducted by JP Morgan Chase 6 Co through its subs/Manes worldwide atoing JPMCB and -tP4ISI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037218 SDNY_GM_00306416 EFTA01511393