11 12004 Account Number: FINANCIAL TRUST COMPANY INC November 01, 2004 - November 30, 2004 J.P. Morgan Securities Inc. 270 Park Avenue. New York. NY 10017 JPMorgan Private Bank Margin Account Portfolio Page 35 of 35 IMPORTANT INFORMATION ABOUT YOUR JPMSI MARGIN ACCOUNT If there are any cot's or OmfeWOMI On Mb Stelement, Or/ you hive any gunboat about 14 plane COONCI yourSAISIActountRepresentenve or JPMSI Compliance (*pelf:bent at (20 483.2323. Please keep the knowing n mod when tame this statement to ha yew JAMS: brokerage acts* This statement combines you general neon ac cunt nsth the spec& memorandum account requeed by Seaton 220 6 Regubtbn T As rebored by Regubbon T. a permanent recad )0lar seeable account u eriatbbie teen ion regal Important &formation about Pelting and Valuation& Popes some of newt seprovided by acing sawn a other sources *h al no deem reAsbie eve not guscanteed la *cosy or as regazfigke values Free credit Ostances in Yea account are not segregate/and may be used in the opeiebon of JPMSts bosons suateCf 10 The knkletuns Of SEC Rule 1503-3 Unless otherwise instructed. JPMSI ads agents and deposacnens war hob ma aecuribes Upon yew demand. JPIASJ mg pay to you the amount of ma free aedg banee and w.Idakpf to you foonad mambas heel On yea WS! Interest wN be staged on any debit balance the meabd Of °obviating interests dose abed ma leder sent toed maw custormvs Upon soften request JPIAS1 will supply you with W most recent statement required to be tufnisned to Customers under SEC Rob 170-5(c) Na petal cog is made with respect so en Issue of somehow included in yew Magill Account we mesa:cote the ca0 by a method we doom 4m end equitable You snood he mowed separate JPMSI bode conternebons a each secuntes transaction AO tarksactens aro subject both* berms an 030d41003 sad on Zr. reverse sded such confomatons and so soiree some consauton bydaws ass tons and rbeeprotatesns of the morkoosisco n /Ito executed and governed by and constr