10 2002 Confidential FINANCIAL TRUST COMPANY INC JPMorgan Private Bank Page 1 of 15 J.P. Morgan Portfolios October I - October 31, 2002 Gift Processing The holiday season will soon be here. If you plan to make securities gifts this year, please notify us before December 3. 2002. This will provide us with sufficient time to process your request and meet the year-end deadline. Table of Contents Page Account Summary 2 Asset Account Portfolio JPMCB 3 Margin Account Portfolio JPMSI 12 000000 0000 CO 0000 000 000000000 =COO FINANCIAL TRUST COMPANY ATTN: JEFFREY E EPSTEIN C/O AMERICAN YACHT HARBOR 6100 RED HOOK, QUARTERS #83 ST THOMAS 00802 US VIRGIN ISLDS Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037321 SDNY_GM_00306519 EFTA01511494