This website is a joint project of JPMorgan Chase Bank, N.A. ("JPMorgan") and Thomson Financial. Unauthorized use of this website, including but not limited to unauthorized entry into JPMorgan's or Thomson Financial's systems, or misuse of any information posted by JPMorgan or Thomson Financial to a site, is strictly prohibited.

Disclaimer and Agreement

Must be read and agreed to before entering this website.

DISCLAIMER

This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

JPMorgan and Thomson Financial have not reviewed and hereby disclaim responsibility for any information or materials posted at any of the sites linked to this website, which links are provided for information purposes only.

Additional information is available upon request. Information herein is believed to be reliable but JPMorgan, Thomson Financial, and their information suppliers do not warrant its completeness or accuracy. Opinions and estimates constitute the judgment of certain individuals at JPMorgan and are subject to change without notice. Past performance is not indicative of future results. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. JPMorgan may hold a position or act as market maker in the financial instruments of any issuer discussed herein or act as advisor or lender to such issuer.

The conduct of services contemplated by the terms and conditions ("Terms and Conditions") of each of the Dividend Reinvestment Plan ("DRP Plan") and Direct Stock Purchase Plan ("DSP Plan"), including the processing of buy and sell orders for securities via this Website (collectively, the "Services") is for your convenience only and neither JPMorgan, Thomson Financial, JPMorgan Chase & Co., their respective service providers nor any of their affiliates shall have any obligation to maintain the Services through this website or any other internet facility. Access to Services via this or any other website established by JPMorgan for such purposes may be terminated by JPMorgan at any time, for any reason or no reason, without notice to you. No warranty or guarantee concerning the availability of this website for Services, Information or otherwise is made by any person or entity. You may incur line or usage charges from your ISP in connecting to this website. Website design Copyright ©2007 JPMorgan Chase & Co. All rights reserved worldwide: Website content Copyright ©2007 Thomson Financial and JPMorgan Chase & Co. All rights reserved worldwide. adr.com is a service mark of JPMorgan Chase & Co. JPMorgan is a marketing name for JPMorgan Chase & Co. and its subsidiaries worldwide. J.P. Morgan Securities Inc. is a member of SIPC. JPMorgan Chase Bank, N.A. is a member of the FDIC. This material has been approved for issue in the United Kingdom by JPMorgan Chase Bank, N.A. (London Branch) which is regulated by the FSA. Clients should contact analysts at and execute transactions through a JPMorgan entity in their home jurisdiction unless governing law permits otherwise.

AGREEMENT

This Agreement has 3 parts. Part I applies to all users. Part II applies if you are a JPMorgan registered ADR holder using the "Account Access" features of this website. Part III applies if you are buying or selling shares via on-line transactions.

PART I-TERMS APPLICABLE TO ALL USERS

JPMorgan and Thomson Financial hereby grant to you a non-transferable, non-exclusive license to use, for your internal purposes only, the ADR application contained on the adr.com website (the "System") in connection with obtaining certain ADR related reports, information and services and in connection with the access by you of your account, the revision of account related information and the initiation of online transactions by you in your Dividend Reinvestment Plan ("DRP Plan") or Direct Stock Purchase Plan ("DSP Plan") account(s). You agree not to sell, publish, reproduce, distribute, re-transmit, transfer, sublicense, assign, rent, time-share, lease, convey, copy, translate, convert to another programming language, decompile, disassemble, modify or change the System or its content for any purpose, except that data, statistics, views, recommendations, reports and all other information (the "Information") received through the System may be displayed, reformatted, stored and printed solely for your personal, non-commercial, use, subject to the foregoing limitations. You acknowledge that the System and the Information are the sole property of Thomson Financial and/or JPMorgan and/or their information suppliers, who individually or jointly own all title, copyrights, software code, trade secrets and proprietary interests in the System, and all Information. You acknowledge that the provisions of this Agreement (including, without limitation, each Part thereof) may change from time to time and each time you enter or otherwise use this website you are agreeing to the provisions set forth in this Agreement as at the most recent date in which you have entered or otherwise used this website; provided, however, JPMorgan reserves the right, in its sole discretion, to enforce any form of this Agreement previously agreed to by you against you, irrespective of any provision herein to the contrary.

You are expressly prohibited from including or embedding into any framed page hosted by a third-party website, other than adr.com, any Information or adr.com content or pages, in whole or in part, without the prior written permission of JPMorgan and Thomson Financial. You are further prohibited from including in any third-party website, without the prior written permission of JPMorgan and Thomson Financial, any hypertext link to a link within the adr.com site other than such home page, provided such link is for information purposes only and is not otherwise likely to deceive or confuse the public into believing that JPMorgan and/or Thomson Financial sponsor, support, endorse or approve of any third party products, services, opinions or statements.

THE SYSTEM AND INFORMATION ARE PROVIDED "AS IS." ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE SYSTEM AND INFORMATION ARE HEREBY DISCLAIMED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR WARRANTIES AS TO ANY RESULTS TO BE OBTAINED FROM THE USE OF THE SYSTEM OR INFORMATION. JPMORGAN, THOMSON FINANCIAL, AND THEIR INFORMATION SUPPLIERS DO NOT GUARANTEE THE SEQUENCE, TIMELINESS, ACCURACY OR COMPLETENESS OF THE INFORMATION, AND MAY DISCONTINUE GENERATING THE INFORMATION WITHOUT PRIOR NOTICE.

Under no circumstances will JPMorgan or Thomson Financial, or their respective affiliates, agents, employees, directors and officers, or information suppliers be liable for any ordinary, direct, consequential, incidental, special, punitive or exemplary damages or any other losses or liabilities arising out of (i) this Agreement, (ii) the electronic transmission of Information to or from the System; (iii) the implementation of any security procedures established for the purpose of limiting access to, and preventing unauthorized interception, alteration or fraudulent generation and transmission of Information (the "Security Procedures"); (iv) any decision made, action or inaction taken by any party in reliance upon the System, Information or Security Procedures; (v) any use or inability to use the System or any portion thereof; or (vi) any delays, inaccuracies, errors in, or omissions of the System, Information or Security Procedures; even if JPMorgan or Thomson Financial, or their respective agents and representatives, have been apprised of the likelihood of such damages occurring, and regardless of the form of action, whether in contract, warranty, tort (including negligence), strict liability, or otherwise.

This Agreement shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflicts of law principles or to the United Nations Convention on Contracts for the International Sale of Goods, and the parties submit to the jurisdiction of any federal or state court in New York City for purposes of all legal proceedings arising out of this Agreement. The parties hereby irrevocably waive, to the fullest extent permitted by applicable law, any objection which they may now or hereafter have to the laying of venue of any such proceeding brought in such a court and any claim that any such proceeding brought in such a court has been brought in an inconvenient forum. The parties hereby irrevocably waive any and all rights to trial by jury in any legal proceeding arising out of this Agreement.

In the event any of the terms or provisions of this Agreement shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. With respect to DRP Plans and DSP Plans, this Agreement, together with the Terms and Conditions of the DRP Plan and DSP Plan, as applicable, constitutes the entire agreement between the parties concerning the DRP Plan or DSP Plan Services, as the case may be, and may not be amended, modified or supplemented orally. This Agreement shall be subject to any other applicable agreements you have entered into with JPMorgan.

PART II-TERMS ONLY APPLICABLE IF YOU ARE A REGISTERED ADR HOLDER USING THE "ACCOUNT ACCESS" FEATURES OF THIS WEBSITE

By using the "Account Access" features of this website or otherwise accessing your account, you consent to and authorize JPMorgan to transmit certain confidential information by means of the System.

Your use of the System, including without limitation any communications with JPMorgan, instructions (including proxy voting instructions), orders or other transactions conducted by means of the System (collectively, "Instructions") shall be subject to all of the terms and conditions set forth in any other applicable agreement you have entered into with JPMorgan, as well as any applicable laws, rules and regulations. Instructions shall be reviewed, performed and/or executed by JPMorgan representatives. You agree to be bound by any Instructions, whether or not you actually authorized them, as long as such Instructions are issued in your name and accepted by JPMorgan in compliance with the Security Procedures. You are responsible for maintaining the appropriate segregation of functions between and among your personnel trading, accessing and otherwise supporting the System and the trading thereon, ensuring that all such personnel are duly authorized and that all access levels in the System are kept current.

JPMorgan shall not be liable for any action taken, or any delay or failure to take any action, to the extent that the taking of such action, or such delay or failure, arises out of causes beyond JPMorgan's reasonable control, including without limitation, any delay or failure to perform, execute or comply with Instructions that, without limitation, (i) are never received by JPMorgan, (ii) are not received by JPMorgan in a timely manner, or (iii) are not received by JPMorgan within normal business hours. JPMorgan shall also not be liable for any action taken, or any delay or failure to take any action, to the extent that the taking of such action, or such delay or failure, arises out of war, insurrection, riot, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown, computer or system failure or other failure of equipment, or malfunction or failures caused by computer virus, failure or malfunctioning of any communications media for whatever reason, interruption (whether partial or total) of power supplies or other utility of service, strike or other stoppage (whether partial or total) of labor, any law, decree, regulation or order of any government or governmental body (including any court or tribunal), or any other cause or reason (whether similar or dissimilar to any of the foregoing) whatsoever beyond the reasonable control of JPMorgan.

JPMorgan shall be determined to have received your Instructions when it has actually received them and is capable of acting upon them.

In the event of an error or failure of the System, as your sole and exclusive remedy and in lieu of any other remedy hereunder, at JPMorgan's option, JPMorgan may elect to provide an error correction, bug fix, patch or replacement of the System, but any such error correction, bug fix, patch or replacement shall be provided under the same terms and conditions set forth under this Agreement including the warranty disclaimers and limitations of liability.

You agree to reimburse JPMorgan for, or shall pay directly to the relevant taxing authorities, any sales, use, value-added, excise or other taxes, other than taxes based on JPMorgan's net income, incurred by JPMorgan or which may in the future be incurred by JPMorgan as a result of this Agreement or on or measured by the prices and other charges of the System or its use, however designated, levied or based, whenever JPMorgan has paid or shall be liable to pay and/or collect the tax from you pursuant to applicable law, as interpreted by the departmental authorities of the taxing unit.

You represent and warrant that (i) you will not engage in any Instructions that are contrary to applicable law, rule, regulation or the terms of any other applicable agreement or agreements you have entered into with JPMorgan and (ii) you will establish commercially reasonable security procedures and controls to limit access to the System solely to authorized individuals.

You agree to indemnify each of JPMorgan and its affiliates, agents, employees, directors and officers and hold each harmless from any losses, liabilities, fees, fines, penalties, costs and expenses (including, without limitation, attorneys fees) in connection with any breach or violation of the terms of this Agreement. In the event you breach or violate a provision of this Agreement, JPMorgan shall be entitled to temporary and permanent injunctive relief against you without the necessity of proving actual damages, in addition to, and independent of, any rights of JPMorgan for damages or otherwise.

PART III-ONLINE TRANSACTIONS

By accessing your account, initiating online transactions and using this website in any way in relation to your DRP Plan or DSP Plan accounts, you are specifically agreeing to the provisions of this Part II and the other provisions of this Agreement. JPMorgan and its affiliates provide you with internet access to your accounts and DRP Plan and DSP Plan Services solely in reliance upon your agreement to all such provisions. Such Services are further governed by the Terms and Conditions to which you, as a DRP Plan or DSP Plan participant have previously agreed. Except as expressly adjusted by this Agreement, the Terms and Conditions remain in full force and effect and, together with this Agreement, form the entire agreement between you and JPMorgan relating to the DRP Plan and/or DSP Plan.

You acknowledge and agree that the Services will necessarily result in the communication of your personal financial information ("Account Information") to JPMorgan, Thomson Financial, JPMorgan Chase & Co., their respective service providers and each of their respective affiliates (collectively, the "Morgan Parties") via the website. By utilizing this website and accessing your account, you are authorizing each of the Morgan Parties to provide you with online access to your account(s). You additionally acknowledge and agree to authorize the applicable Morgan Party to act on instructions concerning your account(s) that we receive by computer or other electronic medium (including instructions received from or through internet service providers ("ISPs")) in all cases in accordance with the DRP or DSP Plan Terms and Conditions and this Agreement. Our receipt of messages or directions from you through this website facility will in all events be treated as your messages and directions. You acknowledge and agree that, whenever you click on an "Accept," "I agree," "I consent" or other similarly worded button or entry field appearing now or in the future on the Website with your mouse, keystroke or other computer device, your agreement or consent will be legally binding and enforceable and may be considered the legal equivalent of your handwritten signature.

You acknowledge that use of this website facility entails risks specific to electronic media, including that access may be limited or unavailable at unpredictable times and that delays can occur unexpectedly. You acknowledge that data, including e-mail, electronic communications and personal financial data, may be accessed by unauthorized third parties when communicated between you and JPMorgan, information providers or information transmitters, using the Internet, other network communications facilities, telephone or any other electronic means.

You acknowledge that you have alternative means available to you for accessing DRP or DSP Plan information and services, and you agree that none of the Morgan Parties will be liable to you in the event that electronic access is unavailable or transactions initiated through this facility are delayed for any reason. When you use the electronic services to place a trade or conduct any other transaction, you accept full responsibility for all such trades and transactions and hereby agree that none of the Morgan Parties shall have any liability for such actions.

You agree to use this facility for the electronic communication of trade instructions and other Plan-related inquiries and requests in accordance with the procedures designated by the Morgan Parties for electronic communications via this website and disclosed on these website screens (the "Approved Procedures"). You acknowledge and agree that none of the Morgan Parties will be obligated to act for you or provide services to you through electronic means except pursuant to use of the Approved Procedures and that none of the Morgan Parties will have any obligation to act via electronic means on communications or instructions you send to JPMorgan by email, telephone, or any other medium or process external to the Approved Procedures.

You agree to maintain the confidentiality of your account password and other security information designated as confidential by any Morgan Party and agree that you will not share your password or other security information with anyone. No Morgan Party will have any liability to you for loss, cost, damage, liability or expense resulting from your sharing of your account password or any other security information, and you agree to defend, indemnify and hold harmless each Morgan Party for all loss, cost, liability and expense arising from such sharing to the full extent allowed by applicable law. No Morgan Party will have any liability to you for actions reasonably taken in reliance on instructions that we receive pursuant to use of your password and the security procedures observed by the Morgan Parties.

Each Morgan Party may review and retain copies of electronic communications for, among other reasons, monitoring the quality of internet services and DRP or DSP Plan Services, compliance with this Agreement and the DRP or DSP Plan Terms and Conditions, compliance with law, and maintenance of security in connection with the Services delivered pursuant to this Agreement. Each Morgan Party is entitled to disclose your electronic communications to the same extent it may disclose other information about you or your account as provided elsewhere in the Terms and Conditions and this Agreement, and you hereby consent to such disclosure. In no event will any Morgan Party be liable for any costs, damages, expenses or any other liabilities you incur as a result of such activities by any of the Morgan Parties.

In addition to the other agreements herein this Agreement, you acknowledge and agree to the following terms with respect to use of electronic communications through the electronic services: (i) You will not use any electronic communication feature of the electronic services for any purpose that is unlawful, abusive, harassing, libelous, defamatory, obscene or threatening. You will not use the electronic services to solicit Morgan customers or others or participate in the solicitation of Morgan customers or others for any purpose; (ii) You will not upload, post, reproduce or distribute any information, software or other material posted on or delivered to you through this website that is protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights; and (iii) You agree to provide JPMorgan with your e-mail address, promptly notify JPMorgan about changes to your e-mail address, and accept electronic communications from any of the Morgan Parties at your specified e-mail address.

You agree and consent to our transmission to you by e-mail of all transaction confirmations and periodic account statements that we may send to you or notice that such confirmations and statements are available for your viewing on-line. You may revoke consent at any time by so notifying us and after we receive your notice we shall promptly send all communications by United States Postal Mail. If you have not heard from JPMorgan within four business days after you place an order electronically through this facility or within five to seven business days after you send us an inquiry electronically or attempt to update your account through this facility, or if the confirmation we send you does not match your records, you agree to call JPMorgan immediately to report such event or occurrence. Acceptance or rejection of buy and sell instructions is recognized only through validly issued confirmations.

Although JPMorgan does not currently charge a fee for providing access to DRP or DSP Plan information and services via the website, it reserves the right to do so at any time in the future pursuant to any amendment or supplement to this Agreement or to the Terms and Conditions.