Epstein Secrets

- 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

Involve investment risks, including possible loss of the principal invested. JPMSI's banking affiliates may be lenders to issuers of securities that JPMSI un derwrites, in which case proceeds of offerings underwritten by JPMSI may be used for the repayment of such loans, and you should refer to the discl

- 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

Involve investment risks, including possible loss of the principal invested. JPMSI's banking affiliates may be lenders to issuers of securities that JPMSI un derwrites, in which case proceeds of offerings underwritten by JPMSI may be used for the repayment of such loans, and you should refer to the discl

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

Involve investment risks, including possible loss of the principal invested. JPMSI's banking affiliates may be lenders to issuers of securities that JPMSI un derwrites, in which case proceeds of offerings underwritten by JPMSI may be used for the repayment of such loans, and you should refer to the discl