11 12004 Account Number: FINANCIAL TRUST COMPANY INC November 01, 2004 - November 30, 2004 J.P. Morgan Securities Inc. 270 Park Avenue. New York. NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 35 of 35 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT If there are any cot's or OmfeWOMI On Mb Stelement, Or/ you hive any gunboat about 14 plane COONCI yourSAISIActountRepresentenve or JPMSI Compliance (*pelf:bent at (20 483.2323. Please keep the knowing n mod when tame this statement to ha yew JAMS: brokerage acts* This statement combines you general neon ac cunt nsth the spec& memorandum account requeed by Seaton 220 6 Regubtbn T As rebored by Regubbon T. a permanent recad )0lar seeable account u eriatbbie teen ion regal Important &formation about Pelting and Valuation& Popes some of newt seprovided by acing sawn a other sources *h al no deem reAsbie eve not guscanteed la *cosy or as regazfigke values Free credit Ostances in Yea account are not segregate/and may be used in the opeiebon of JPMSts bosons suateCf 10 The knkletuns Of SEC Rule 1503-3 Unless otherwise instructed. JPMSI ads agents and deposacnens war hob ma aecuribes Upon yew demand. JPIASJ mg pay to you the amount of ma free aedg banee and w.Idakpf to you foonad mambas heel On yea WS! Interest wN be staged on any debit balance the meabd Of °obviating interests dose abed ma leder sent toed maw custormvs Upon soften request JPIAS1 will supply you with W most recent statement required to be tufnisned to Customers under SEC Rob 170-5(c) Na petal cog ismade with respect so en Issue of somehow included in yew Magill Account we mesa:cote the ca0 by a method we doom 4m end equitable You snood he mowed separate JPMSI bode conternebons a each secuntes transaction AO tarksactens aro subject both* berms an 030d41003 sad on Zr. reverse sded such confomatons and so soiree some consauton bydaws ass tons and rbeeprotatesns of the morkoosisco n /Ito executed and governed by and construed n accordance wan the laws of the state a' New Yin and fa appacabla fedora, ass and tegulebons You mat promptly *dm* JPMSJ d newel changes in slur mantmont obpcbeas a Mama/ *Nation Unless you Mom JPMSI oMorwae JPMSI wit consider mo micanetcncomently in its tiles to no cornobto and accurate JPMSI SS moused by law to rent to the Internal Revenue Sows as tadend s adios interest 'MOMS on bonds gadded to your account dreg colander yaw Please reran sewn statemenb bass 0! you in pfepaNng your acne tan means A Mena e statement of SUSI us readable firma personal superb= at its alkyl of a copy of it wilt barnacled uPznlytir waren request. JAMS/ a °debar'', and e a separate legal mayhem As bank a hit affikeem mcbang JPMCS The ´ sad wend a recommended by JPMSI ft) Am not ms ed by the Federal Deism, Insurance Caporabon a any ocher gage anent.) agency 0 Are not deposits a other obagatons of JPMSta Desk or Waft aff Aates (unless otherwise reacebd) and are not gowanksed by or the responsdntrly deny such oftgeleauniess emIcfly staled otherwise). and 13) Imam mrostmen f risks ebbang posabie Joss of the paces, arested JPMSIb banking affthees may be lenders to issuers of seeable that JPMSI underwress what case proceeds of aflame: underwritten by JF*19 may be vied la the rtrayment 0/such loam and you shout rant' to the doobbee documents retting to particular mattes for discussion of any such ;mane refelkonshas The Federal Reserve remises that JPMSI (*NM yaw Consent begat ra can Obtan oaten mfornelan band, bank er brit effRateg mcbang Mew credit eveMenon of you We rig assume that kw contnong to transact b11$.0039 mm JPMSI cob Cakitrtufe your consent to Me shame of such Infer mown by JPMSI and its bank a tail aff ROME she ex lent isernsded by law JPMorgan Fbrate Bonk n the markong name fa the pm** banking DIMOND conducted by J P Morgan Chan 6 CO though as subsidiaries walamak mak4Re 'PUCE end JAWS' Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00032946 SDNY_GM_00302144 EFTA01507858