01 2004 Account Number FINANCIAL TRUST COMPANY INC January 01, 2004 - January 31, 2004 .I. P. Morgan Securities Inc. 270 Park Avenue, New York, NY 10017 1 ''JPMorgan Private Bank Margin Account Portfolio Page 53 c 53 IMPORTANT INFORMA TAM ABOUT YOUR JAWSI MARGIN ACCOUNT Olhare are any MOM or °minden an ml. statement or!! you have any wee Lions about IA Mete contact your JPMSI Account Representative or JPMSI Compliance Deparrilltnt at 04 4834323. Arose keep me Redwing an mod when tarn; Ms statement to Saes your JPMSI &Marne actvfy This slalentent combines your general n-argn account roM the spears! tram:random account required by Section 2206 Regulation T As tomcod by RogrAstron T a permanent recent &pow separate account a areakttee roan pow rogueal frilpOrtaM InfOrmatIOn about Mang and VeltallOne. Paces some */ wench are provided by prong seances a cana scams *Taal we deem mast* re notgueented la apvacyar ss reeMerbd naves Free aola Oaaances in you account ere not segregate/and may be used in the opestion ot)PMSIs busoesa subject kr the InsAbons d SEC Nub 15c33 Unless abeam., insbvcled. JAMS, ads agent, and deportee:nits M hold trots secretes Upon yew demand. JAMS1 we pay to you the amount or tot" free creed banee and wa deka( to you loaned mantes hed On you bears! folded we be chested on any debit balance the melted Of caul:ding interests Seabed in a ear sent loan n*'gu, coalmen Upon metal request JAMS wet supply you wan ots mOsf recent statement required too ti ned to Customers under SEC Rub 17a-5(c Ws portal call a made wan respect ban issue of wades included en your Margin Account we waist:Me the call by • method we doom tor one equitoble You should ban mooned separate JPMSI ludo conerrnabons la each secuntres transacaon AO trarksachons aro subject both. lerrns ed 0311C141003 sad on me reverse snide of su h coolomarons and we subject so me corabtuden. byJaws ass torte and sderprotattms of The rnwhstplaco nate onocuted one optative by one construed in occadance with the laws of the stare oeNew Yin and all appacamo 'Moral Mos and ragulettons You must promptly odds* JAMS! of meters, changes in your mourned obpcavaa co' Mama/ *beaten Unless you inform JAMS' answers JAMS, war consider mo orcanobcn cannily in as Mu to bo cambia and accurate JPMSJ is mused by law to repot to the Intend Revenue Seryce satyr:taxis arddr interest II7COMS on bends cleated to your account clang calendar yea Please ratan ON yon Allefrerib b as: 0! per o prep:imp parr acme tan returns A Mena a I statement of JAMS is erearlable fonaarr personal superb= of ita eases a a copy old wit be mailed Won Poor written request. JPMSI a not a bank and a a separate legal entry from As bank a DMA afrAeren motoldg JPMCB The moats sae cline a recommended by JPMSI IV Are not me S by theFederalDeposit Insurance Caporabon a any Woo governmental agency 0 Are not deposits a other °I.o.W.:1ns d JPIASJS Dana a Wirt at/Ades(uness otherwise decode) and de not guaranteed by or the responsantrly of any such attarslot(unless etcacely stated otherwise) and (3)IrrroNe investment risks narrow poss04 tees of the prretedel entreskd JPMSI become NYANdes may be lenders to issuers of senates that JPMSI unclawrects in which case proceeds ce teems* undenw den byJP/49m.y be vsed la the rerayment oT such loans and )ttr shoud rota to the deck:twee documents retread to particular securtes la discussion of any such Amend relationships The Federal &Merv* Mowed that JAMS, Cateat yew Consent belOn? It Can Obtan oaten WO metiOn Somas bank Cr MI NOS& incardarg Thew Credit evaluator Ora We rest assume Ardour contenting to bri/1940 b11$.0039 with JPMSI we Wishful e )our Cement 10 the sharaw of WO Infer 'Tenon by JAMS, and its bank a (NA amen es. *the et lent mended by If., JPMorgen Proof.> Bank G the markeMg name for the proses panting busmen co ducted by J P Morgan Cane 6 CO NVOWA ds $00$449MS WOrkfrde. .n0,4"n9 4P4CCe end JPSISI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00031595 SDNY_GM_00300793 EFTA01506607