11 12002 Account Number: FINANCIAL TRUST COMPANY INC November 01, 2002 - November 30, 2002 J.P. Morgan Securities Inc. 270 Park Avenue New York, NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 29 of 30 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Contact your client service specialist if you think your statement is incorrect or you require additional int or1713 non about a tranteCtiOn on your statement IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT ll there are any area a omissions on MIS statement. Or if yOu nave any Walken &60W lb phrase Contact your JPMSI ACCOunt Representative Or JPMSI COMplaanCe Department at Pease keep the Andeniiine on mod when using this statement b Pack yew, JPMSI lineorege acIvify This sleben!»r combines your general margin aCCOunt Roth the speak membeandurn account required by Secton 220 6 Peculation T As required by Reguebon T a pew manent record of your separate MObunt 4 anklets* 4000 ea, request Important Wonnanon about pricing and Valuations. EbOeS SC01001 which are prOvdod by peeing services 0, Other Sources .whiCh Re deem/oakle are not Ts soloed to accuracy a as 'sizable miss Free credit balances in yea account aro not segregated and may be used in the operation a JP/.4Sts business subpar to the 000.00n$ of SEC Rue 15c3-3 Unless Otherwise anstuctod JPMS) a ds agents and depSiecnos Mod 1o✓ socurtna Upon yon demand JPMSI .0/pay to you the amount of lo✓ tree ['edit balance and mil deinc. te Cu y luatipact socuntos held on your bona ln$oest suVie Charged on any dote balance. rise method of cot ulating interest rs 04000041 m a haler son: to all margin customers Upon ember, request JPMSI wit supply you ...An ore (rostrata statononacquired to be furnished 10customers under SEC Rae 17a-5(c) If a partial belle mode wth respect to an 'sloe of sec✓Car encluded en your Margin Awomt no *Wear** the call by a method we deem law and equitable You should have received sea:wale JPMSI bade contrmabaws fo