EFTA01511816

12 Account Number: FINANCIAL TRUST COMPANY, INC. December 01. 2004 - December 31, 2004 J.P. Morgan Securities Inc. 2004 270 Park Avenue, New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 17 of 17 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT If there we any wren or entrant en nit Matemant, or It nu have any gunboat about 14 plant earner yaw SAM AceOunt Representative or JPASSI Compliance Oeparmlet at (20 4812321 Please keep the ninon n mad when nog this statement to ban yew JAMS: brokerage tinny This statement combine your general Ingo amain( nsth ale speael memorandum wean reqund by Seaton 220 6 Rennin T As renewed by Regobbon T. a permanent roan 0 f )O1ff separate account is leY•tbbit, open )01./ rogue.) Important Information abaft Pining and Valuation Prices some of went* se proiefied by acing sawed a caner swam *hal no deem rents!. ere not buttanteed fa ecostacy or as rentable neon Free ere le balances in Yoe account se not segregate/and may be used in the canton of JPMSts butoriess subject to Na Annan Of SEC Rule 15033 Unless onion° instructed. JAI& ads agents and Oepostlenes rear bog Your sew/bee Upon yaw demand. JPIASJ mg pay to you Me annul dna free aeal bane. and vetI Skye to you foonyad seeunbes Ant ennui Inn Intern on be tinged on any debrt balance. Me mend Of cenAtting intWO3h3 dew bed ma teller seed 10 all mar cuatonws Upon Anna request ant& WOsupply you wan ov most renal statement reputed to be furnished to CvslOmers under SEC Rult 171b5(c) Ifs parte? can mode wan respect so an issue of seaman included in you, Inn, Account we nen:ate the cat by • method we doom tat and entebb You snood nave monad separate JPMSI trade conternabons pen sonnet transaction At tantebons pro subject Mtn MOW aM 0311d41003 sad on Zr. rovers. side d such coolomarons and we sooner some banana,. byaaws auroras and neeprotanns ot the moentobco nee moaned and amend by one construed in accordance web by haws of the state ce New York and at aoaca0le Mani lens and nnutebons You must ;romans:Inn JPMSI d newel changes in yew "nutmeat obpcbtos co' enemy/ Mutation Unless you norm JPMSI anonyms, JPMSI red condor to internam canon in as tiles to be cambia and accurate JAMS! is tensed by law to repot to the Internet Revenue &Twos Otto:tends arnor interest inCen, on bonds ae&Jed to your account Man calendar yaw Please reran seta AdeMenb to ass at you in prep" nog your acme ten returns A Mena a I stamen of ANIS us minable fa yap personal superb= at es aeoes or e copy of a wit be mend ',Anna' written request. JPMSI a nal a bank and u a separate legal any from as bank a tag often inctnng JPMCI3 The secant sad need a recommended by JAMS! IV Are not as ed by the Fedni 0000Sif Insurance Caporabon a any other governments) agency 0 Are not deposits or other obbgabons d JPIASta bank or ant ann., (unless Mena mdcrobd) and ere not gunned by or the responsanly of any such of f Annuniess °manly stated oMerwase) and Minna. investment risks embin possible toes of the pampa, invested JPMSI banking affthates may be lenders to issuers of sem mbas Mel JPMSI undervertes in what case proceeds of animas undenwalen by JAMS, may be used fa tee rtraymont of such loan and you shouti rola to the daobwe documents anima to partcula' mattes fa discussion of any such lending reinonshops The Federal Reserve rogue Os Von JPMSI Celan yaw Consent Wen a Can 00tan certain Warrenton tOmrts ben a Wit effntet inning Mew credit evebabon Gaya, We real assume tattoo. annum° to trilliaad buAne3.1 mM JPMSI tent Cann e nor <Jensen( to the innng d sot?, In( Of nebon by JPMSI adds bank a tan nein& *Me BOOM panned by If. JPMorgan Parem Bonk 4 Me manna none for the Amen banking Maness C0,1040€4 by J P Morgan Chen 6 CO though as tobtabent Panne. mClutnt 'PUCE end JPMSI Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00037652 SDNY_GM_00306850 EFTA01511816