10 2004 FINANCIAL TRUST COMPANY INC Gift Processing The holiday season will soon be here. If you plan to make securities gifts this year, please notify us before December 1, 2004 to allow sufficient time to process your request and meet the year-end deadline. Confidential J.P. Morgan Portfolios October I - October 31, 2004 JPMorgan Private Bank Page 1 of 14 Table of Contents Account Summary Asset Account Portfolio Margin Account Portfolio 000000 0000 CO 0000 000 000000000 =COO FINANCIAL TRUST COMPANY INC ATTN: JEFFREY E EPSTEIN C/O AMERICAN YACHT HARBOR 6100 RED HOOK, QUARTERS ftB3 ST THOMAS 00802 US VIRGIN ISLDS JPMCB 3 JPMSI 12 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037608 SDNY_GM_00306806 EFTA01511774