EFTA01511758

08 Account Number: FINANCIAL TRUST COMPANY, INC. August 01, 2004 - August 31, 2004 J.P. Morgan Securities Inc. 2004 270 Park As elute, New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 15 of 15 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT If there are any errant or OmISSIOMI end(: statemw, or( you have any gmettfaele SWIM plane Caner yam JAMS, AcCaunt Representabve or JPASSI Compliance Department at (21V 483.2323. Please keep the fallowing n mad when woo; 1ho statement to Pack yea JPMSI braterage fl ay This abstement °Grabbed woe general neon &scant men No speed! memorandum exam! regaled by Seaton 220 6 Regulation T As reduced by Regobbon T. a permanent reead &Ms separateaccount u eriabbie taco par regal Important Information abed: Pricing and Valuittlatt Prwa some of wench ere prowded by acing sawed a other wows siwt no deem roast* eve not gueranteed for *cosy or ss ratan** wives Free ofeW Meows sn >Oa account ere not segregate/ and may be used in Me oprebott of JAMSts &flown au/WO10 ale Imabons Of SEC Rule 15033 Unlessaboard° insbvaed. JAMS ads *gents and c/epcWows M nod )w aecestes Upon yew demand. 'PM& mg pay to you tne snow* of )oe free aedt banca and a clekw to you fuoned meetfolaw bed On yon DMaN Intern( twN be thwped on any debit tulaoce. Me medqd Of °skirl:ging intefeaha dew ibed in a teller sent Pao marmn costonws Upon soften request JAMS will supply you with ov most recant statement required to be furnished fo *Women under SEC Rule 1 lit-Sf0 Ifs partial col is made wth respect so an issue of socurates included in your Mama Account we wet sibratte the cab by • method tv• doom tae and econtobb You snood nave monde soperoto JPMSI bode conarnobons Ia oath 'ebonies trunsacaon AO tansoctions are subject both* loons and COICAtOnS sad on Zr. reverse Sara such 000/0/natOOS and are subject some constttuton. bylaws adtorns and obeeprobbcds oath. ?nab:abbe* ateo moaned and goternod by one construed in accordance wn,fen haws of ft stare a Now Yin and s5 OpOCable Sodom! lens and mstutebons You meat promptly **de JAMS! a newel changed ingot awastmont objeclows ahnanow Wafts, Unless you edam JPMSl oMerwoo, JPI4S1 red consider the infarnabcncunentlyd der Abs to be cormobto and accurate JAMS! is mused by law to repot to the Internal Revenue Some Odevadends aatior blared inCenbS on bonds gadded to you account Sting calendar yaw Phase reran OM)C4F AlleMenb bass 0! Imo in prep:oda you acne ten returns A Mena a I statement of JPMSI u evadable knew personal superb= of der WW1 at e copy of d WO bumbled upon your written request. JPMSI a not a bank and e a separate legal eddy from as bank a tint offibeco motAbng JPMCI3 The secordea sob offered a recommended by JPMSI Are not not ed by the Federal Deism, Insurance Caporebon a any other governmental agency 0 Are not deposits or ant"' obbgetons a JPIASIS Dan* or fait affdtates (unless otnomise ddgebe) and ere not guaranteed by alb* responsitntrly of any such efitialeo(uniess °watery staled otherwise) and 13) Invelve investment risks ambing possible dos of the pampa, invested JPMSI bankng affthates may be lenders to issuers of secwtes Mel JPMSI undeavortes witch case omen* of oidenngs undenwden by JP*19 may be vsed kr the rewaymmt Ouch loans and you shout fee to the dcobstee documents reAstmg to particubr seaways fa discussion of any such lending reielonships The Federal Reserve recur es Mel JPMSIGNOM yaw consent Wen? a can Organ cation r g miabOn admits tank a Wit eradiates incillehng Ater credit eveArsbon Gaya) We real assume the( pat cunt ono to trilliaad bu}ne3.1 men JAMS, ima GRAMM* yen <Jensen( to the snowy of such Infeenebon by JPMSI and its Nab a tad amen bar. ante M lent nand. d by taw JPMorgan Moab den& o the markong name fa tne ante banking business conducted by J P Madan Chime 6 CO through as MaddefteS waldnde inCluMnd 'PUCE end JPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037591 SDNY_GM_00306789 EFTA01511758