quent new accounts you open will he goaamtd by the 1.P. Morgan Combined terns and Cortions. and the applamble account agreement sar42`.1"1..13:0?.: els .• C.0.1-4411220A1-,:-.2,P. :NIE4123.74;=Mktaltralatrittc V MOMS arion A Len ' ttann Opens Specialist iris E Young ASSOCOtt rGina Imo Client S