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continue to do so. The estimatedannualincome and dividendyieldfigures for mutual funds represen tthe funds' most recentincome dividendannualized. J.P. Morgan Funds Distributor, Inc. is the distributor of the JPMorgan Funds and American CenturylnvestmentServices, Inc. is the distributor of the American Cen turyFunds. J.P. Morgan
- September 30, 2004 Page 59 of 62 Explanation of JPMSI Ratings: Overweight: Neutral: JPMorgan uses the following rating system: Underweight: Independent Research Over the next six to rage total return of age universe. Over the next six to twelve th the average total return m's) coverage universe. Over t
continue to do so. The estimatedannualincome and dividendyieldfigures for mutual funds represen tthe funds' most recentincome dividendannualized. J.P. Morgan Funds Distributor, Inc. is the distributor of the JPMorgan Funds and American CenturylnvestmentServices, Inc. is the distributor of the American Cen turyFunds. J.P. Morgan
- September 30, 2004 Page 59 of 62 Explanation of JPMSI Ratings: Overweight: Neutral: JPMorgan uses the following rating system: Underweight: Independent Research Over the next six to rage total return of age universe. Over the next six to twelve th the average total return m's) coverage universe. Over t
continue to do so. The estimatedannualincome and dividendyieldfigures for mutual funds represen tthe funds' most recentincome dividendannualized. J.P. Morgan Funds Distributor, Inc. is the distributor of the JPMorgan Funds and American CenturylnvestmentServices, Inc. is the distributor of the American Cen turyFunds. J.P. Morgan
aybe compensatedfor such servi ces. Explanation of JPMSI Ratings: Overweight: Neutral: JPMorgan uses the following rating system: Underweight: Independent Research Over the next six to rage total return of age universe. Over the next six to th the average total m's) coverage universe. Over the next six to
Entities connected to both J.P. Morgan Funds Distributor, Inc. and Independent Research

Newark
LOCATION
JPMorgan Chase
ORGANIZATION
Jeffrey Epstein
PERSONThe American Century
ORGANIZATION
the Internal Revenue Service
ORGANIZATIONMoody's Rating
ORGANIZATIONJ.P. Morgan Portfolios
ORGANIZATIONJ.P. Morgan Trust Company
ORGANIZATIONthe FederalMoney Market Sweep Fund
ORGANIZATIONBank One
ORGANIZATION
Columbus
LOCATIONWALT DISNEY CO TOTAL RETURN SWAP
ORGANIZATIONOptions
ORGANIZATIONIRPsmayuse
ORGANIZATIONAmerican Century Funds
ORGANIZATIONSTERLING - JAPANESE YEN
ORGANIZATIONMRNGSTAR
ORGANIZATIONMorningstar
ORGANIZATIONXAUDPA-CQ-Z
ORGANIZATIONXTHBCA-AC-Z
ORGANIZATION