09 Account Number: FINANCIAL TRUST COMPANY INC September 01, 2004 - September 30, 2004 J.P. Morgan Securities Inc. 2004 270 Park Avenue, New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 62 of 62 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT Ifthere we any wrote or OmftWOrlt Oa diht stalemw,t, Of If you here any gunboat about 14 plane Contact you r SAM Account Representative or JPASSI Compliance Depanmam at (214 4834323. Please keep the knowing an mod when asap Mrs statement to beak you JPMSI brokerage acts* rho statement combats poor general maga taccont nit the spec& Inemsrandum account regueed by Seaton 220 6 Regulatan T As rebored by Regobbon T. a permanent reead )0tor separate <Wean is leY•tbbit, LIM> )01./ regal Important &formation about Pacing anclValuilltang Popes some of newt seprovided by wow macets a other maces sin= no deem reAebte we not guwanfeed fa *coney or as reMzebAs values Free credit batances in yew account are not segregate/and maymaybe used in the operation of JAMSts bosons subject to The enslettons a SEC Rule 1503-3 Unless often-ins° insIncled. JAM& ads agents and depos4Cnes rear nok/ yvt, aficurbes Upon yew demand. AM& mg pay to you the snow* a )ot, free Peal babnce. and wt1 deb., to you foonyad soCunbas hekl On yOof barber Intern( wN be eltaged on any debt balance. Old mead Of cakulattng interests doscabed in a leder sent108a maw coatonws Upon soften request JAMS ea supply you with oce most recent statement required to be anted to Customers under SEC RS 170-5(c) Ifs patel cell ismade was respect so an case of soon:tea included in your Lana Account no wet albcoas the cae bye method we doom far and econtebb You should haw mowed separate JPMSI Wade contemabons la each socuntros transaction AO tbroactens two subject bother leans and roncl.tons sad on Zr. rovers. Meg coolomarons and we subject bale consbulan. byJaws arstoms and rbeeprolatans are rnwkatplaco nee moaned and goie,wd by end construed a accordance wan the laws of the state a Now Yin and W goat-cable fedora/ Ins and reguleboos You mat promptlyWas. JAMS! a men! changes in )our maystmont obpdotoscettnanow *Nation Unless you Worm JPMSI ornwtwork JPMSI wit consider me abr.-nab= comently n its tees to be complete and accurate JAMS'S /caused by law to rep= to the Internal Revenue Sows aadiadends argior interest 'MOMS on bonds matted to yaw account Sang calends yaw Pease reran all you statemenb bass 0! you in of epaNng you acne tax returns A lama al it statement of AVM us evadable fcr arscr personal amperbon at its alkes or a copy of a will be mauled oPanlcor written request. JPMS/s notebook and e a separate legal envy from as bank a DWI affibiee: acl.dng JPMCI3 The swots sold offered a recommended by JPMSI Ara not w ed by the Federal Lagoa, Inswance Capers on a any ocher government& agency 0 Are not deposits or then obegolans al JPMSIS Dant, or Waft affAtetes (unless otnevvose reatebd) and we not guaranteed by or the responsttntrly of wry such etaalos(unless mcolcfly staled OtherWaSO) and (3)Motave investment risks eabing possible loss of ale principal areskd JPAISIY banking affthetes may be lenders to issuers of sects bas Met JPMSI uncle-everts in urban apse pf °coeds of olenngs underwritten by JAMS, may be used la the repayment *such loans and you should fee to the 06obsure elccoments reastag to partautw seaways la discussion of any such kmdeb re-Mambo The Federal Reserve recur es NN JPMSI Gdtae, yaw Consent Wag a Can Obtain oaten ntanenen bOmrts bank a MI OnOates. incbdag brew credit even-anon Ora We AO tesswne that ow contmong to Willa! business mm JPMSI writ Cabby* axa 00n sent lobe =wag a such Infer mown by JPMSI and its bank a tat! attenebe are e. lent pernated by It. JP4lorgen Farah> Bankable markeang name fa the prosb banking blows conducted by J P Morgan Chan 6 CO through as subsidiaries wald\ade. walotlatt 3R1fC5 end JAWS' Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00032701 SDNY_GM_00301899 EFTA01507636