07 12004 Account Number: FINANCIAL TRUST COMPANY INC July 01, 2004 - July 31, 2004 J.P. Morgan Securities Inc. 270 Park Avenue, New York, NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 65 of 65 IMPORTANT INFORMATKeti ABOUT YOUR JPMSI MARGIN ACCOUNT Inhere We any MPS or OinittIOSIS on this statement. Of If you have any questions aboutq plate COONCIOILWJPAISIACCOLMIROpritaenfenve or ✓PMSI COmphanCeDep•ITMOnt atar Abase keep the knowing n mod when ohm ass statement to beak yes JPMSI brokerage acavay nes statement Gambian you general nwgin wean: men the spec.) memorandum examd requEed by Seaton 220 6 Regulation T As rebored by Regubbon T. a permanent record &Ms separate account is eivatbbie opal )w regal ImportaM Warmed.= about Pelting and Vateattlant Popes some of newt; yeprovided by acing arras a oThef swan *bob ne deem 'Mat* eve not gussanteetd fa ecancy or ss reeMeebee values Frew aear stances in yes account ere not segregate/ and may be used in the oprebon of JPIASes business subject 10 The Nnfatwa Of SEC Rule 15033 (Miens anonym° a:Masted. JPMSI ads agents and depCIACninS nil hold yet, segue:be, Upon yew Snead JPMSI well pay to you the amount awes' free god, babnoe and wa debate to you foonyed beawbbo heron yOlie bendy Intent mil be chested on any debt balance the method Ofcekubangneata desenbed ma letter sent loan maega costonws Upon whiten 'Squeal JPMS1 will supply you wdh ots most Weal statement required to be rants/led fo anslanen under SEC Rub 170-5(c) Ifs petal call is made wth respect so an ague of sac✓sea included in axe Mega Account we walla:cab, the call by a method wet doom by and ochntebb You should ban rebated sopeeate JPMSI bode contrrnabons la each seeuntes tranyocbon AO tarksactens aro artgoet both* MOW ant nonektons sad on the rovers. side of such contomahbra and ate soiree soap consaution by-laws auroras and aberprotsbans am0 nerbstplaco n/wo executed and governed by and construed a accordance was by laws of th