EFTA01505435.pdf

12 2002 J.P. Morgan Securities Inc. 270 Park Avenue New York, NY 10017 II3 JPMorgan Private Bank Account Number. Margin Account Portfolio Page 39 of 40 FINANCIAL TRUST COMPANY INC December 01. 2002 - December 31, 2002 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Contact your client service specialist it you think your statement is incorrect or you require additional MIOnr4non about a nantaCtiOn on your statement IMPORTANT INFORMATION ABOUT YOUR JAMS! MARGIN ACCOUNT It there are any Orrin a &Mations On MIS Maternal. Or if you nave any pertinent &DOW It. please Contact your JPMSI ACCOunt Representative Or JPMSI Compliance Department at (212)483.2323. Please keep the kayoing on mod when tang this statement b track your JPMSI &Menge acIvify This stalenevit combines 'Oa general margin aCCOunt aoth the spOOM inOmaanduen OCCOunt ragweed by Sedan 220 6 RectWatiOn T As required by Reputation T a pew oaten!record dour separate Matunt b available WOO la , request Important tnIonnalYon about prang and valuations. (40e3 SC0100, wad, are leaded by feting writes 0, Other Sources whiCh ne deem/oak* are not gt.eranteed Ion eau...Cy a as regaZable wlues Fencredit balances m you, account pro not segregated and may by used in Zr. operation of JP/.45 /1 business Sutra. ..0 MO Amtations oft SEC Rule 15c3.3 Unless anonym, arostuctod !WS, a its agents and dep:ttecnos hod joNs SOCurtna Upon you' demand JPMSI ai*pay to you the amount of >our fro. end,: balance and and dame- to you fulki.oad socuntos held on your bona Interest me be Charged on any debit balance. rho frothed d cab/Wing interest rs atosaibod m a haler sent to an matom customers Upon amen request JPMSI wit supply you ...An ou frost tocoM man,: tcythrod to be 'VAL.:hal 10 antanierS under SEC Rae I 7a- c) Ile porta/cal/4 made wth respect to an issue of sects dery ,ncsuded en ye- Senn A.-eamt no vtiV &but* the call by a method we deem tau and equitable You should have received sepevaleJPIOSI trade contemetions la each secteitee band-tin AO bansectms ere sutect to the tom s and conditions stated on Me reverse side ol 'won confematons and ere subject to the constitulon by-laws customs and :Meade:ens of the rrewketp.bce shoe meatbd and gosemed by end conaVued in *accedence with The laws of the stele d New Yak and all °apical* federal lens and repuiceons You must stomptly advise JAMS/ of material changes in your 'meat/nen: objectives or financial squaton Unless you m ean JPMSI cMerwae JPMSI war consider the obtmeten currently in ds Nos ro be complete and ciao-rate JPMSI is reputed by law to rem! to the InternalRe,enue Service aadiv•denda ender interest income on bonds aedded to your account durfog calendar yea, Please retain aVyas atalerrynts bassist you in preparing 'oat moan* lax ref✓umis A financial statement of JPMSI a available fa en personal MtpeCtiOn at its this or a copy of if ma be mailed upon )0t1 sullen request JAMS; is noI a Perk end a et sap:vete level entity from As bank a the affnkeos mcAidprig JPMCB The secedes sad olowl a recomnrondcd ty/PMS0 (I) Are not insured by the Federal DePOsilInsuanCe Corporator a any other gevernmenlel agency. (2) Are not deposits a other obeplions of JPM.Srs bank a thin alleges (unless OtewevoSe indicated). and me not guaranteed by or the iespOnsibigy Of any Mien ertaietie(unhies OVIC64 stated otherwise). and (3) Inmee investment rake nekaang ameba, bag a ton temente, notated JPMSI banking afIn‘ares maybe lenders to issuers ol seCutthes that JPMSI under.?Aro rnvohCh Case proceeds 060IlfeingS unIeWhlien by JPMS play be used la the repayment of such bane and pou shOuitl refer to Zr'. deck e OCCuments (Skov 10 peaCutii Watt*" fa d,%usson of any such band.r' ifirdlOnS0‘01 The Federal Reserve req wees that JPMSI obtain your consort ewbro it con obtain oaten mtamation homes bank a Vine eferates ockidmii mov credit evaluation a5ou We nil assume that your continuo., to transact Maness miss JPMSI wa constitute your consontlo the Marry of such neer rrofion by JPMSI and es bank a that oettabs. tome *Afoot ;omitted by Ian JPMagen Preens Bon nvtionng rune to the arva6a banking business conducted by JP Morgan Chase 6 Co though its :one/Antis w do irc.td,ng JPMCB and -tPMSI Confidential Treatment Requested by JPMorgan JPM-SDNY-00030416 Chase CONFIDENTIAL SDNY_GM_00299614 EFTA01505435