12 .2(I 0 4 Account Number FINANCIAL TRUST COMPANY INC December 01. 2004 - December 31, 2004 .1.P. Morgan Securities Inc. 270 Park Avenue. New York, NY 10017 1 ''JPMorgan Private Bank Margin Account Portfolio Page 13 c 13 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT If ere any wore a omission. On des fleMment, Ora you have any quettfaht SOME. Meat POMP yoursessiaccoura RePegerstanse or JPMSICompliance OePeurnserlf Please keep the kebynng an mad when using this Maternal toMICA yens JAMS: banners.* This Statement COmbilea }Our general 'rerun expeoet nth the special memorandum account required by Sexton 1206 Regulation T As moored by Regubbon T. a permanent rerad aster Separate account is available upon )Ur regal tenportam Information about Pitting and Velvet/OM Preps some */ witch are provided by pram services a other sources shah *0 deem rehab* eve not guesanfeed fa posy or as meanies naves Free anal' Prances in youraccount are not segregate/and may be used in the operation of JPMSts trueness subject to The InklgunS Of SEC Rule 1503-3 Unless othentee mebvaed. JPMSI a rts agents and depcplones M noel was secure/es Upon your dernind. JPIASJ wet pay to you the amount of )ov free aedt Pante and wit dens to you funs sed sectatea he on 300' Denary Interest mil be chatted on any debit balance the method of cekulabng interests desewbed ina Adler sent to all maps warps Upon soften 'squeal JAVA& *resupply you wan as most resentstatementreposed to be furnished to cvslomess under SEC Rule 170-60 Na portal cam made wth respect ban Issue Of SectriDOS included en yore Mar Account we wet Moat* the cab by • method iv• doom law and equitable You snood ban flawed want* JPMSI trade contrrnabons la each secuntes transacton AO tnitMaCtenSII0 StrbfaCt >SM. MOW and Madan Sad on Zr. rOvOISO side d sWiCOnAnnatOOS and WO subject tome COMMIX». by-laws Calton), and •Verpretattsns oltho rnwhyboloco /than executed and gemmed by and COnStruOd n accordance was the Jews died state a' New York and eV apotcabre .*deal ns and linPUMbOns You pat promptly phase JPMSI d Pant changes in sour nepstment obpclosas a Minya Parton Unless you seam JPMSI Ottawa, JPMSI red consider the eirbanahco carton* n as tiles robe conobto and accurate JPMSI is moused by law to rep= to the Internal Revenue Serene se dendend s oaks interest moony on bends gadded to your account dray calends year Pease reran Own statements to ass 0! you in Preparing your acne ten (Sums A Monaal statement ofSIAM u wadable to risen personal superbon at Rs °Ikea or a copy old aria be mad ed upon Was written request. JAMS/ a notebook and e a separate legal may from Ss bank a tiedaffieseee metstng JPMCI3 The swats sad offered a recommended by JPMSI Are not nor ed ay the Federal 0000Sof Insurance Caperaboo. Cr any other {wee rinental agency 0 Are not deposits a other obngsh,ns d JPMSI kVA or Wet aerates (unless otherwise radtebd) and are not guaranteed by a the responsdnaly deny such OfgeleM unless emlcfly armed otherwise). and (3)Irwave investment risks madam possible tees of the primes, ineskd !FOAMY batwing affthates may be lenders to awns of sensom that JPMSI underverteS in whet arse preCeeds Of alenngs underwritten by JAMS, may be used fa the repayment of such loan and you shard rola to the decbsure documents retting to partoura smarms la discussion of any such lending reiMonshes The Federal Reserve Moores that JPMSI (*tam your consent below, R can Man certain mM1ymoton band, bank a Wit ef Mates. inchrehng mew credit evaluation or you We rest assume that your continuing to trinsaCt Maness mm JPMSI wnY CCASMIZey010 Con sent 10 the shitng d such Inky nebon by JPMSI awl its bank a rave? 43004.03. 101110 extent peenstre 4 by law JPMorgan RwateBan a the marketing name for the aware tereeng buhness aesthete:1 by J P Morgan Chase 6 CO Pour P suersareraa nsaa sae. .11664rne 4P 4CC5 end JPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPNI-SDNY-00033102 SDNY_GM_00302300 EFTA01507982