09 Account Number: FINANCIAL TRUST COMPANY INC September 01, 2002 - September 30. 2002 J.P. Morgan Securities Inc. 2002 270 Park Avenue New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 35 of 36 IMPORTANT INFORMATION ABOUT YOUR STATEMENT COMact your Client service specialist dyad rte ink your statement Is incorrect or you require additional information about a bensaction on your velment IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT Mere ere any Wen of OnitiOn. On PM Statectect Of Yeo nave Any quarton$ about It. please contact your JPAISI Account Representative 01JPMSI Competence EMPIIIMMt at C2121 40 34 , 41 Please Mee the ketwong n mind when using MS Statement kr Pea your JPMSI brokerage actvey This s telenx.nt oomtwxv, Kee generarrramen W:6)01mM the 4.0W memaanOcim aCCOuntnequeed by SeCbOn 220 6 RegulabOn T AS required by RequettiOn T a pfintianet rabbit a Moe Separate aCCOunt d *HAWN WOO Mu 'request Important MIOMIetIOn .bat means and Valuations. Press anew of wretch are prOvded bye/coy moss a one sown which na deem mkt,* are net gentile& Oct accuracy a 14 reOhZetn• oOlutin Free credit ballbnCeS xm your account ere not segregated and maybe used in the operetron d JPAISes biomass subset to the Motabons el SEC Rule 15c3-3 Unless °Miners* instrucked JPMSI a its agents are depositones eta hod your securities Upon yen demand JPMSI emel pay to you theamount of Hw credit balance and wit deb/orb )Cu trepwped SeCtITITIM hell on your behalf Intern: wt., be charged on any doe balance the method of cat teems Want rs deserted no keep soot to MI marcan oustomOrS Upon carmen request JPMSI wit SAPPY Yuri wsth 0W most recent statement coOthrai b be formsnoa toClAntOWn uncle SEC Rule 17e-5(c) a praticees mode who respect ban issued securities included in your Margin Account no we/ stecote the cal bye method we deem tar emleoutebb You shoute have received septet e JPAISI bade centime:cmIce each meurthes beasectice AI transactions we subect to the kerns and corder:ma sated on the reverse side et such corahrmatorts and are submd to the constituton bylaws OA !CMS and seerpretations of the rrorketpeece where executed end gemmed by end construed in eccodance ster the laws of the stole of New Yak and of apptcoble /Sem/tows and regulations. You must promptly advae JPMSI ot Instant changes in mur rmestnent obpdeves a financial Musette, Unkos you elanJan, dhermse JPMSJ wit consider the okermatcse currently to 4s files So be complete and accurate JPMSI a Motored by Me Al rapes( to the Intern* BenfrlUe Sew* Mt dew:lends snake infant income On berets awaited to yOu• at,O0unl during csienthir year Phrase Wan at mu' Statement, b assert yOu in preparing revs moon* Mx Metre A financial stalement of JPNSJ p emanate a yOui peestalleUpedren al its atom ae copy admit be moiled upon mur written request JAW9 s note bank and es a separate legal entity from its bank a Ore affeetes Poludeng JPMCB The securities sold altered a recommended by JPMSI (I) Are not efelured by the Federal 06,0S.InSurenCet COrptsetran. Or any CAN OOP Infrienlet 4.20n4Y (2) Are not deposits a *Thee °Winton. of JRAVY berth ce Pen StfiheleS Amin, OthErebinat melitaleC0. and We not guaranteed Oy a the reSpOn34b,Oly d any such •Mlekees( unless entACtey steed alnewase). and (3) MvoA,e investment males InCluding pease.* loss Of The pon,,,Of Welled JP.ASIS benk.ng eget., maybe tenders to suss Cit SeCuribef that JPMSI UrrderwrgeS, in With COS* proceeds a °hong, underontfen by JF149 maybe usedfor me repayment of such gem. and youshoudrefer to the dootostoo documents retool.; to panCottv SOW On fa cliaCuiSon (my WO lending retatOnSNOS The Federal Reserve mouses Mat JPMSI oaten your consent below 4 can oaten [Main mecentatton fronds bank a mho affeaters tocanitng mew credit evatuatrin a r }as We res, assume thatnce centmung to transact busness with JAWS! wee cons Ottnat. your consent to the Menne of such Intermabon by JPMSI and es &what/wit alfalfa:es. to the es tentp000ttod by tin JPMorgan Pryer° Bank is the marketing name to me renege banking business conducted by J P Morgan Chase 6 Co through as subszemes ',ceder** matting JPMCB and JAMS, Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00030316 SDNY GM_00299514 EFTA01505336