11 IMO Account Number: FINANCIAL TRUST COMPANY INC November 01, 2003 - November 30, 2003 J.P. Morgan Securities Inc. 270 Park Avenue, New York, NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 59 of 59 IMPORTANT INFORMATION ABOUT YOUR JPIWSIMARGIN ACCOUNT Olney are any error* or omissions on data melement, Of If you have any questions about men* contact Your Olaf Account RaPresefleaUva or JAWS/ C66,0 4666* DePanaler6at (2/2) 117.9325. Please keep the klbwang to mold when tube Ow, statement b Sock your JPMSI brokerage actvM This stolernent combines t.our general Ireton account rob% thespears! arm:random account required by Seaton 220 6 Regulation T As emoted by Rogulebon T a perverted reared dye separate account as enibble upon has revues! liwoOttant MIOnnellOn about Mang and VeltrIllOng. Hares some of watt are provided by ptong seances a other worms *atoll we deem reek,* se notguseenfeed fa scanty or as reMzerbde naves Free mar balances in yet account we not segregate/and may Da used m the operation of JPMSIs business subsea to Me Inklettons Of SEC Rule 15033 Unless offtentbe tnetsvcled. JPMSI ads agents and deposecnes M nokl your aecusasea (loon yew densind. ROA& evil payto you the anounf of )ota free cried, banes and wtt dekpr to you foonsad asanTea hekl on yew beater Intern( owe bechested on any debit balance toe mefhOd Of °obviating intros! o descrand me leder sent 10 ea margut warmers. Upon soften 'Squeal JPMSI WO supply you with ota most recant statement required to be funissned to asslomess under SEC Rub 17e-5(c) Ifs pater coll is made with respect so an Issue of sectraws included en your Mtn., Account we waist:ate the call by • method era deem few and equtebb You should nave mewed serpent* JPMSI Wade confernabons each 'emotes transacton AO transactens ere subject bib* MOW and COOdelOnS sad on Zr. reverse Sided such contomatons and are sutra tome cancan/a:A by-laws arstorns and inteeprotatbns am* rnwbscalaco Mato executed and governed by and construed in accordance was Ws laws of the state a New York and ell epos/cable federal lens and regulebons You must promptly Wye* JP14S1ci maternal changes insour mourned awakes a Miaow *Nation Unless you Worm JPMSI anerwoo JPMSI or, consider the orlorrnabcn cogently to as tau lobo cornet* and accurate JPMSI SS mused by bw to repot to theIntern& Revenue Straws aOckvaascfs arelbr interest moony on bonds gadded to your account Arno calendar yaw Please ratan ON)C4I SialtYreelb bass hs: you n papa nog year acne tan (Sums A Mena r ti statement of SUSI ts available b ito(' personal superb= al Rs °aces a a copy old will be coaled upon yet written request. JAMS/ a no and is e separate legal enby from as bank air.* affibleas mcludtno JPMCS The secunbas acid offered a recommended by JPMSI IV Are net me ad by the Federal Deposit Insurance Corporebon a any caner government& agency 0 Are not deposts a other obegebons d JPMSle Dana a Wet sadist., (unless otherwise tadtebd) and are not guaranteed by a the responsdntrly of any such olfgelos(unless ettorce.ly Meted otherwise) and (3) MK*. investment raks etatitng possible loss of tne precool invested JPOASIY banking effthetes may be lenders to issuers of sects bets that JPMSI underwrges in witch apse amends of orlenngts underwritten by JP/49 may be used kr Me reviews's.", oTsoch loans and you shoud nab to the clactmee documents relattng to particular securtes fa discussion of any such lending reestronships The Federal &keen* 'flares Zr.! JPMSICOleut yaw Consent before a can 00ten certain o rotelan band, bank Cr Wit efftOetee incerchng they credit evaluation Ora We real assume tea yet contenting to banal bu.S.ne3.1 melt JPMSI Censtrtuleyour <Jensen( to the Inenng of such Infer mown by JPMSI and its bank a Wit eretabS. !OMB et lent vernal. d by If. JP4lorgen Ftwate Bank G toe markettog name for the prorate banking Dueness COnduCteel by J P MOrgan Chase 6 CO errour aa eubardraneet wOrlderde lnOtdrne 'PUCE end JPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00031340 SDNY_GM_00300538 EFTA01506352