12 Account Number: FINANCIAL TRUST COMPANY INC December 01. 2003 - December 31, 2003 J.P. Morgan Securities Inc. 2003 270 Park Avenue, New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 44 of 44 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT II Own we any wrest or omissions on this tualemeek, or If you have any quesObne about Plena comer Your Olaf Account RePeeseftfaUve or JAWS/ Compliance DePanalar6at (2n) 4634321 Please keep the !abeam° an maid when ramp Sas abtement to ha now JPMSI brokerage actray This stalentent combines your general nation account mTh thespecs& tram:tandem account required by Seaton 220 6 Rergurabbn T Aar reqwed by Regulebon T a dementialreared &yaw separate account as watt* upon has rawest Important InfOrmatIOn about Mang end ValuallOnt Paces some of watt are provided by pt env seances a other swots *Won we deem rattle, we ma °worked fa scanty or as reetzebse naves Free mar Oasances in yeaaccount are not segregate /and maybe, used in the operation of JPIASIs business subsea to Be Inagua, Of SEC Rule 15033 Unless othenwse instvcled. JPMSI ads agents and depoejones wit bold yon senates Upon yew demand. ROA& ma pay to you tne snow* of to free eject, babnce and wrI deenve to you foonsad sactsaTea heal on yOut behat Intern( owe be0*W on any debit balance. the method Of °stun:ging newest a Seabed inn Wes sent b all margun outlaws Upon aniten anuest JPMS1 we supply you wan ors most recut statement required to be funissned to asslomess under SEC Rub 17e-5(c) Is patrol cell ismode wan respect ban owe of secretes included en yew Unworn Account we wet eAtcate the cap bye method we doom taw and equstebb You snood nave meted septic.* JPMSI Wade contrmeons Ia each senates transacton AO tattactens ere subject bens kynts and condrtons sad on Zr. rotorso side of sWicontomatects and we subject some corobtuton. bydaves custom end aberprelatuns date mothtrplaco Mato executed end °warned by one construed in accadance wan by haws of tat state of New Yak and all ape/cable iederal lens and tactutestons You must promptly Wets* JP14Slci nett/ changes in sow atonement obpcbeas c enamor *Wotan Unless you Wow JPMSI anwwwo JPMSI rear consider the sultana)°, annoy en as pas moo connnbto and accurate JAMS; is rotund by law to report to the Internal Revenue Straws fl ays:tax is orate Waseca income on bards gadded to yaw account drain° attendee yew Please ratan a wow stakvnenb b es: 0! you rpre pa rug yaw acme be ratans A Menai statement of SUSI u wadable forms personator:boob= et es alkes a a copy of e wit be marled upon ye written request. JAMS/ a °carnation and is a separate legal enMy from di bank a hit affieetco mak/clang SPACE The swots acid ellaved a recommended by JPMSI Are not me ed by the Federal Deposit Inswance Capone on a any caw government& agency 0 Are not deposts a other obingabons d JPIOSIS Dana or Waft sate., (unless otherwise reatebd) and we not guaranteed by a the responsentrly of any such effinakWunless °watery staled otherwise) and (3)IrrycAst investment risks inctriorg possible tees of the principal enreskd JPAISIY banning affthates may be lenders to issuers of senates Mel JPMSI unclerwrees in etch case places* ce onennens undenw rtlen by JAMS may be vsed a Me reviews's.", oTsoch loans and you shout! Wes to the daobsure documents retting to particule securants Ia discussion of any such lending rantlronships Tn. Federal Reserve rewires that AWAY Cdtan your Consent belored can oaten ortao two nation banter bank a WIt ef Oates inalectru mew credit eyabsebon of you We rea esswne that ptcr contemn° to trilliaad bu.S.ne3.1 wen !PASS, we °DAWN* your <Jensen( to the snanng of such Infer 'Tenon by JPMSI and its Dank a Wit at MAW tame wilt perntde d by If. jPilorgan Pr reale Banks the matemg name to' tne pewee, banning Dueness co ducted by J P 41061an Cane 6 CO theour de Warder rea warden*. lnelndene JPMCB and APSISI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00031489 SDNY_GM_00300687 EFTA01506501