12 Account Number FINANCIAL TRUST COMPANY INC December 01. 2002 - December 31, 2002 J.P. Morgan Securities Inc. 2002 270 Park Avenue New York, NY 10017 II3JPMorgan Private Bank Margin Account Portfolio Page 39 of 40 IMPORTANT INFORMATION ABOUT YOUR STATEMENT Center your client service specialist if you think your statement it incorrect or you require additions) information about • transaction on your statement IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT It MIN* ma any Offal t OmletlOnt on OM statement, Or It you nave any patrons about It. please contact your JPMSI Account Representative or JPMSI Compliance awanment went keep MO ItONvine con mind when uSHIC ma SIStenhyll SO kWh yew JPMSI brokerage actvey This s talenx.nt combines your general nwgn etoOrntouth the speoal inemCeeneurn account ?Sourer) by Satan 220 6 ReedebOn T As required by Requatben T a perffrallentreard )0to Soparale•CCOunt 4 Brialeble WOO Kor request Important InfomiatIon abort Imam and Valuations. Ant tone 0/ when are erOvded Dyercoo swoon a one neat which a* deem reaatM are not (temente& to accuracy or N MOM** Wk.* Free credit balanCeS in your account we not segregated and may be used in me op✓✓tend JPAISIs &novas subject to the Onataboas ol SEC Rule 15c3-3 Unless °Memo* instruckid JPMSI a 4agents ant deposrtones nut had you' secuneass Upon agar demand JPMSI eel pay to you MOamount ot yowl...eon:or balance and wiV (Wye to you ruiVpad SOCIITITIRS hoe on vour bona Interest eel be charged on any debt balance de method of cat Wrong nearest is *strove m a kerre seen to MI nwrom easterners Upon wean request JPMSI wu MOP* You with our most ficsastmernwarnthrod to G twined SO Mar in under SEC Rule 176-5(c) Ha partial o is made with respect ban issued securities mcluded in yow Marten Account we w* etude the cal bye method we deem be and equeebb You shout) have received sepses, &SUSI bode centime:cmIce each securities transaction AD transactions we subject to the terms