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- 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
ting name for the private banking business con ducted by J.P.Morgan Chase & Co. through its subsidiaries worldwide, including J PMorgan Chase Bank, J.P. Morgan Trust Company, N.A. and J.P. Morgan Securities I nc. Ratings: twelve months, we expect this stock will outperform the ave the stocks in the analyst's (or the a
- 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
ting name for the private banking business con ducted by J.P.Morgan Chase & Co. through its subsidiaries worldwide, including J PMorgan Chase Bank, J.P. Morgan Trust Company, N.A. and J.P. Morgan Securities I nc. Ratings: twelve months, we expect this stock will outperform the ave the stocks in the analyst's (or the a
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
ame for the private banking business con ducted by J.P.Morgan Chase & Co. through its subsidiaries worldwide, including J PMorgan Chase Bank, N.A., J.P. Morgan Trust Company, N.A. and J.P. Morgan Securi ties Inc. Ratings: twelve months, we expect this stock will outperform the ave the stocks in the analyst's (or the a
Entities connected to both Independent Research and J.P. Morgan Trust Company

Newark
LOCATION
JPMorgan Chase
ORGANIZATION
Jeffrey Epstein
PERSONThe American Century
ORGANIZATIONthe FederalMoney Market Sweep Fund
ORGANIZATIONIRPsmayuse
ORGANIZATIONAmerican Century Funds
ORGANIZATIONJ.P. Morgan Funds Distributor, Inc.
ORGANIZATIONJPMSI Complia
PERSON
Columbus
LOCATION
the Internal Revenue Service
ORGANIZATIONOptions
ORGANIZATIONBank One
ORGANIZATIONMoody's Rating
ORGANIZATIONJPMSI un
ORGANIZATIONAmerican CenturylnvestmentServices, Inc.
ORGANIZATIONnce Department
ORGANIZATIONJ.P. Morgan Securities
ORGANIZATIONMXN PUT USD
ORGANIZATIONExpired Opt
ORGANIZATION