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 JPIASIMARGIN ACCOUNT II there are any cot's or OmfeWOMI on This Statement, 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 wsur general Imago &scant win the spec& memorandum account requeed by Seaton 220 6 Regubtbn T As rebored by Regubbon T. a permanent recad )0lar seeable account u eriaesbie teen ion regal Important &formation about Pelting and Valuation& Popes some of newt seprovided by acing sawn a other sources *h al no deem 'east* eve not guscanteed *cosy or as regazfigke values Free credit Ostances in account are not segregate/and may be used in the opeiebon of JAMS,' bosons suateC110 ale knkletuns Of SEC Rule 1503-3 Unless otherwise instructed. JPMSI ads agents and deposacnens war hob ma secures Upon yew demand. JAMS' mg pay to you the amount of ma free Peal banee and w.Idakpf to you foonad mambas he On yea WS! IntereSOwN be staged on any debit balance the meabd Of °obviating interests dose Abed ma leder sent toed maw custormvs Upon soften request JPMS1 will supply you with W most recent statement required to be ranted to Customers under SEC Rob 170-5(c) Na petal cog a made with respect so en Issue of somehow included in yew Mager Account we mesa:cote the ca0 by a method we doom our end equitable You snood he resented separate JPMSI bode contrmeons a each secuntes transaction AO tarksactens aro subject both* berms an 030d41003 sad on Zr. reverse MeAP such confomatons and so soiree some consauton by-laws ass tons and rbeeprotatesns of the morkoosisco n /Ito executed and governed by one construed n accordance wan the laws of the state a' New Yin and fa appacabla fedora, ass and tegulebons You mat promptlyWm* JAMS! d newel changes in slur mantmont obpcbeas a Mama/ *Nation Unless you Mom JPMSI oMorwae JPMSI red consider mo micanetcncomently in its tiles to no cornobto and accurate JAMS! SS moused by law to rent to the Internal Revenue Sows as tadend s adios interest 'MOMS on bonds credited to your account dreg colander yaw Please reran sewn statemenb bass 0! sown prepanng your acme tan means A /venal statement of SUSI us amiable firma personal empechon at its alkyl of a copy of it wilt barnacled uPznlytir ware request. JAMS/ a no I a bank and e a separate legal entay from As bank a thaT affikeeee act ang JPMCS The sacursbas sad wend a recommended by JPMSI ft) Are not ma end by the Federal Deposd Insurance Caporabon a any ocher gage anent.) agency 0 Are not deposits or other obagatons of JPMSta Desk or Wet affAates (unless otherwise reacebd) and are not gowanksed by or the responsdntrly a/any such oftgeleauniess emIcfly staled otherwise). and 13) knave mrostmen f risks me deg posabie lees of the paces, arested JPAISIY banking affthees may be lenders to issuers of secs solo that JPMSI underwrges in what case proceeds of aflame: underwritten by JAMS, may be vied la the rtrayment 0/such loam and you shout Wei to the doobbee documents netting to particular mattes fa discussion of any such ;mane refelkonshas The Federal Reserve remises that AWAY Cbtem yaw Consent begat ra can Obtan oaten w f cs menOn band, bank a brit effAates. mcbang Mew credit eveMenon of you We re0 assume that kw contnong to transact b11$.0039 'U. JPMSI Cakitrtufe your consent to the shame of such Infer mown by JPMSI and IS bank a (NA eiffiAba *Me ex lent isernsded by law jPalorgan Posse Bank co tne markong name fa the pm** banking DIMOND conducted by J P MOrtian Chan 6 CO though as subsidiaries walamak WARM 'PUCE end JAWS' Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00032981 SDNY_GM_00302179 EFTA01507890