EFTA01511507

10 Account Number: FINANCIAL TRUST COMPANY, INC. October 01, 2002 - October 31, 2002 J.P. Morgan Securities Inc. 2002 270 Park Avenue New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 14 of 15 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Contact your client seivice specialist if you Mink your statement IS incorrect or you ?nate additional 'Monne ton about a ttensachon on your statement IMPORTANT INFORMATION ABOUT YOUR JPMS: MARGIN ACCOUNT It there are any errors or omissions on this statement, or if you have any questions about it please contact your JPSISI Account Reptinenfaan Or JPMSI COMplanCe Department at a l2)483-2371 Please keep the Sainang on mod when sang tad statement b Pack at JPMS( brokerage activity This statement combines your general merge account with the Sp0Oel mornoendum account 11961/100 by SeCtOn 2216 RegaatOn T As required by Reeve:an T a pev mann! record a >our separate aCCOunt U aniOnM uronla re4Unt Important Information about pricing and valuations. Fb0e3 SO010 a Who, Bre provded by tvong services a other sources *hal we deem antst me not QV& ante& for accuracy a as regain. wins Fencredit balances rn yea account are not segregated and may by used in Ire cperation a JP/ISIs bushes Subalt11O the Pontanons a SEC Rule 13c13 Unless Otherwise ardaucted JPMS1 a ds agoras and dap:apt:nes we hod your secure.: Upon yaw demand JPMSI salpayto you the amount of your free oval eatance and mil dohe - to you fun,dpad socuntos held on your behat invest nabe charged on any debt balance rho method of cot uinng etivest a described m a loiter son: to an margin a4torrots Upon nnIten request JPMSI wit supply you with Our frost tocoM stamen augured to be furnished to customers under SEC Rut. I 7a- c) If a pant calla mode wet, respect to an issue of sew abes no ,*d in your Moran Arearnt no wiN &bee* the cad by a method we deem in and equitable You should have tenant sea:wale JPMSI bade <aflame:au for each secte,teg Vann:ten At Vann:tens ere *Ant to the berms and conabons slated on the reran side olauch confematons end ere sneer to the constitution by-laws customs and eAvevetatons of the raw ketp.bce where executed and gorerned by end cons.Vued in accordance w4h the laws of the state a New Yak and all notable federal lens and regulations You must stomplly advise -OM& a meleel changes in site reestrnen: objectives a finance/ squaton Unless you elan JPIOSI divans* JPMSI w3 consider ;he tntormeten currently snits Wes ro be complete and accurate JPMSI as revived by law to 'era! to the :Menet &neve Sow. ea dcv•dends indict interest noon. on bonds anted to your ea n.8 &woo Calendar yea, Phyla ratan allyou staletrynts bassist you in preparing nor income tar returns A Anemia, statement of JPMSI is tea jab* Ice )oto personal mann at its arca, or a copy°, 4 ma be mailed upon yOto waten request JAMS; v no/ a bank dada* sap:vete legal en* from As bank a tall ern/of mAidtrig JPACB The sect/des sold ceTowlcrfecommanded byJPMS' (I) Ave not insured by the Federal DePOsl InstsanCe COlpOra!on. Or any otter gOver (mania, agency. (2) Are not deposits a other obNi/ons a JPIASrs bank a Or•t allAates (unless WV/VOW indicated), and me not guaranteed by a the responsibigy a any acct, altaales(unless eatiety stated other.se) and (3) imaYa torastenenti4.4 oclod,00 possible Jos, a IN. tvinCdpai "'Kited JPMS43 banking aftAares inertia lenders to issuers a wadies that JPMSI Waffle en in when case proceeds CPI CereengS unlearn:len try JPMS trey be used icr the repayment a such bans and you shoed fele, to the chscawe documents reeled 10 panCukv &pirated Ion d acumen 01 any duct) elan] realenshal The Federal Roane moans that JPMSI obtan your consort before n con obtan oeetatn Mammon homes bank a trek agates nC.Weg re v ciotht ova:oaten ceyou We nil assume that your continuing to aansacl busness with JPMSI w4i constitute your consent .10 two sharng as such coda rbbbOn by JPMSI and its bank o- that afftta!es. to :no ci tent p.m:4W by tan JPalagan Prvoto Bank O oho mationng name to the pervaft banking business conducted by JP Morgan Chase & Co through do sues/dance wetland* mote/vg . , 41C8 and -ANSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037334 SDNY_GM_00306532 EFTA01511507