EFTA01506722

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 58 of 58 IMPORTANT INFORMATION ABOUT YOUR JPIWSIMARGIN ACCOUNT Innate we any entre or omissions an Mb stalement, Of If you have any questions about melee contact your Olaf Account Raercserlea0Ve or JAW, Compliance DeParranne at an/ 4634321 Please keep the kikwang an mad when using Ste statement to ewe sow JPMSI brokerage actvey This staberrent combines )our general mono account reTh the specs& tram:tandem secant requeed by Seaton 220 6 Regulation T As revered by Recubbon T a penances' record &yaw separate account as available upon has request. filipOttant WOnnellOn about flaking and ValuIllOnt Poses some of wave are provided by ptong seances a other sown each we deem reasons we nor guwangeed Ia scanty or as reeambes neves Free mar Mantes in yOuf account we not segregate /and ewe be used nn the opeasbon of JPUSts business subsea to The Inagua, d SEC Nub 15033 Unless ofeenwse instsvoled. JPMSI Y as agents and depmknes rag bold get, mica/bee Upon yew densind. ROA& eve pay to you the snow* or )ote free creole babnc, and wtt deka' to you foonsad seamen heal on yeti Debar Intern( me be triaged on any debit balance the merlad Of cekulating inteve3h3 desonbed ima leder sent 10 all maigu, coalmen Upon aniten 'Squeal JEWS wesupply you with ov most resent statement required to be funissned to customers under SEC Rule 1 le-Sfol Ifs pate? calm made wen rasped ban stun cf.:cases included en yew lAtavn Account we wallet:cab the oaf by • method we doom ter and .0600 You shoed nave receved separate JPMSI Wade contrmeons each secuntes transacton AO transachons ere s4ect ktho tern ant ronektons :soled on skis reverse side d such coolomarons and we subject tome wreaked n. byJaws custom's and seerprelatcns of the mwasonlaco nerve executed and goterned by and construed in accordance wan the haws of Me Salo of New Yin and as appacable Wen/ Ins and negulebons You mint promptly *dm* JPMSI or metered changes insect easement awakes a ananow Masten Unless you seam JPMSI ornwwee, JPMSI red consider the onorrnabon canon* in as eke lobe corneae° and accurate JAMS'S legend by taw to repot to U, Internet Revenue Screws Odes:tax/ s ardror Newest 'MOMS on bonds gadded to your account donne calendar seen Plea se relan alyw StaitYrelt b ass 0! you n weed nng sow acne tan retwm A Mance I statement of AVM us available tonere, personale:pace:in al Rs arses a a copy old will be matted upon yw written request. JAMS/ a no and e a separate legal antsy from es bank a DWI amens met/shoo JPACCE The secuf des sold clewed a recommended by JPMSI IV Are not we ed kelt* Federal Depose (nuance Corporabcn a any otter government& agency 0 Are not deposits a ant"' obagstons d JPIOSIS Dana a Wet sedates (unless anevvose tadtebd) and are nor guaranteed by or the responsentrly of any such effeakt(unless ewlcrly armed dhow se). and 13) Aware investment risks eckahng possible bas of the princes, err eskd JPAISIY banking alltheas may be lenders to issuers d sects bee that JPMSI underveres in whop apse pl MOO* of orlenngs underwritten by JAMS may be wales me reviews's.", of such loans and you should nab to the deobswe documents relating to palbotaw sectetes kr discussion of any such lending refalonsh.ns The Federal Reserve Wanes NN AWAY Celan yaw Consent Were a can 0Otan certain recall/0On bermes bank a Wit effeates. incadvig they credit eveasnon Owe We nee assume that yaw wrecking to bra/1N0 b11.941039 Men JPMSI tat Censtrtute your 00n Sent to lee snanng of such Infer 'Tenon by JPMSI and its Dank or WE sernenekt *the e. lent eernstre4 by If. Jellorgan Pr wale Banks the markehng name fa the pre** tensing DIMOND conducted by J P Morgan Chase 6 CO NV0WA RD $00$40M4 Waktende. .^O1Ang 4P4CCB end JPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00031711 SDNY_GM_00300909 EFTA01506722