<,> SIGNS INDICATE TRUE HIGH CREDIT OR BALANCE IS < OR > AMOUNT SHOWN ADDITIONAL PAYMENT EXPERIENCES BUSINESS DATE CATEGORY REPTD 91+ LAST SALE RECENT HIGH CREDIT BALANCE $ ACCOUNT STATUS -DAYS PAST DUE- 1- 31- 61- CUR 30 60 90 +CELLUL/PAG 2/16/2002 2/2002 2300 1300 100% Payment Terms: NET 30 Comment: CUST 10 YR CELLUL/PAG 7/21/2001 Payment Terms: NET 30 -FREIGHT 12/30/2001 <100 <100 100% Payment Terms: NET 7 +TELECOM 8/26/2002 7/2002 1000 <100 100% Payment Terms: NET 30 Comment: CUST 9 YR TRADE PAYMENT TOTALS RECENT HIGH ACCOUNT STATUS -DAYS PAST DUE- CREDIT BALANCE 1- 31- 61- $ CUR 30 60 90 91+ CONTINUOUSLY REPORTED: 3 3400 100 100% TRADE LINE TOTALS: 3 3400 100 100% HIGHEST CREDIT MEDIAN: 1000 PAYMENT TRENDS (BASED ON CONTINUOUSLY REPORTED TRADE LINES) -DAYS PAST DUE- 10 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00002625 SDNY_GNLO0271823 EFTA01480464