12 Account Number FINANCIAL TRUST COMPANY INC December 01. 2002 - December 31, 2002 J.P. Morgan Securities Inc. 2002 270 Park Avenue New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 39 of 40 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Center your client service specialist if you think your statement it incorrect or you require additions) information about • transaction on your statement IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT It MIN* ma any Offal t OmletlOnt on OMstatement, Or It you nave any patrons about It. please contact your JPMSI Account Representative or JPMSI Compliance awanment went keep MO ItONvine con mind when uSHIC ma SIStenhyll SO kWh yew JPMSI brokerage actvey This s talenx.nt combines your general nwgn etoOrntouth the speoal inemCeeneurn account ?Sourer) by Satan 220 6 ReedebOn T As required by Requatben T a perffrallentreard )0to Soparale•CCOunt 4 Brialeble WOO Kor request Important InfomiatIon abort Imam and Valuations. Ant tone 0/ when are erOvded Dyercoo swoon a one neat which a* deem reaatM are not (temente& to accuracy or N MOM** Wk.* Free credit balanCeS in your account we not segregated and may be used in me op✓✓tend JPAISIs &novas subject to the Onataboas ol SEC Rule 15c3-3 Unless °Memo* instruckid JPMSI a 4agents ant deposrtones nut had you' secuneass Upon agar demand JPMSI eel pay to you MOamount ot yowl...eon:or balance and wiV (Wye to you ruiVpad SOCIITITIRS hoe on vour bona Interest eel be charged on any debt balance de method of cat Wrong nearest is *strove m a kerre seen to MI nwrom easterners Upon wean request JPMSI wu MOP* You with our most ficsastmernwarnthrod toG twined SO Mar in under SEC Rule 176-5(c) Ha partial o is made with respect ban issued securities mcluded in yow Marten Account we w* etude the cal bye method we deem be and equeebb You shout) have received sepses, &SUSI bode centime:cmIce each securities transaction AD transactions we subject to the terms and cond.:ins Mated on the reverse side Maven conftmatons and are subpd to the consbtuton bylaws customs and seerpretabons of the rrorketplece where executed end qmorned by and construed in accadance rth the laws &die state el New Yak and as appAcoble federal laws and regulebons You must ;comply advise JPMSI dmaterial chew., in vote imeestrient objectives a financial siluston Unless you elan, JPMSI °Montag JPMSJ wit consider he nIconsitcs, currenlyn as Sea to be complete and accurate JPMSI a requeed by taw le repart to this Intern* Resrue Sew* Id <linden* andke whereat income n bawls CseiMed to yea account Mang calendar yes AV.,. ratan t yon statements 10 asset yeti in preparing jeUr moon* lax reran A InenCOISMIOnlent et JPMSI is lensaate) Ia yea personal inspection al is cakes cr • copy or if be moiled upon your written request JAWS? nc ton* and an separate legal nay from Rs bank a thrall affable. including JPMCB The setae*, sad &teed a recommonded by JPMSI (I) AM not enured by the Federal Oepoed Insurance COrptatren. Or !layoff*. oat nrnehler agency. (2) Are not *peat* a Other Obe)M004 d JPMStY bank Cr an? 41•1409.1 (unless Otherwise red Sled). and We not guaranteed by a the respensOiely d any such dadaeles(unless eapartly stated aherwasoa). and (3)My040 onyetimenlyeks. Inautlec Otte* kiss el the principal Masted JPAISIS banking altaates may 04 tender, to issues d seCutibeis Mel S IMS imderwriam. in Weal Case proceeds a Offerings underwhhen by Sens) oily be used ler me repayment ofsuch tar,.. end you shout)refer to the chsolosnre documents relating to peltrotv .00:40.3 Ia cloCusSOn any such kiatng reAllOnthe3 The Federal Reserve mouses Mat .PMSI ogler your consent belcre it can arse certain aNcemation fronds bank a tivet afteates racanduad dor credit aria/afro ar so We wit assume that yeu centmung to transact business with JPMSI wit cchsteuM your consent lo the shame of such westmabon by JPMSI and es bona a that alfeeSes. loth° OA loll potnatfed by bra JPMorgan Aware Bank is the marketing name for Ita, renege banking business conducted by J P Morgan Chase & Co though its vbs.:hones ',ceder** JPMCB end JPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00030456 SDNY_GM_00299654 EFTA01505475