EFTA01487783.pdf

January 01,2003 - EPSTEIN INTERESTS January 31,2003 Primly Account Nana JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the amend Tenns For Accounts ;tad Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13eatk"). Deposit accounts held at the Bank, including checking. savings, Cl), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or write to the. Bank if you dunk your stamen( or receipt is wrong. or it you need more mlonnatton about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this statement. The address for inquiria appears below. We must hear from you no later than 60 days attar we sent you the Futs'r statement on which the error or problem appeared. • Tell us your name and account numba. Plata: direct all inquilies to your Meagan Accotmt Mica at • Describe the curer or the transfer you arc unsure about, JPMorgan Private Bank Client Service and explain us clearly as you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 error or why you need more information. Newark, DE 19713-2107 • Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.5. and point-of-sale transactions), we will nxredit your account for the amount you think is in emir so that you will have use of the money dunag the tune it takes us to complete our investigation In Case of Erron or Questions About Non Electronic Transfers Please examine your account al once. If you feel an error has taken place or have questions concerning a non-electronic transaction. telephone or write us within 30 days. The phone number is printed on the front of this statement The address appears above. lino report is received within this period. your account will be considered corral. Mutual Rinds/Securities Securities (including Mutual Funds) and annuities am not bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, or its affiliates or any federal or state government or government agency or government sponsored agency. Securities (Including mutual funds) and annuities involve investment risks, Including the possible loss of the principal amount Invested. The distributor of the JPMorgan Funds is JPMorgan Fund Distributors, Inc. which is not affiliated with the Bank. Ile Bank and its affiliates recave compensation from the JPMorgan Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and impalas, before investing or mending money. JPMorgan Select Shoats of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich Ft Tang Distributors Inc. and Reach R Tang Awes Management L.P., which are unaffiliated with JPMorgan, are the fund? distributors and investment advisor. Reich R Tang Distributors Inc. is a mamba NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Rind Distributors. Inc. a subsidiam of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, or as discretionary investment manager for an FRISA plan or an IRA that hold Fiduciary Shares (as descnbed below) do not bear any portion of investmat, administrative, custodian or other charges paid to the Bank or its affiliates for services to JPMorgan Funds for winch a rebate process has been established since these charges are subject to rebate as delmul below. For accounts of the Bank as trustee, or discretional*: investment manager for an ERISA plan or an IRA. which hold shoats in the JPMagan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the Rinds so held. "fiducitay Shams" mains shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Term Bond Fund II. JPMorgan Intro ediate Bond Fund II. and JPMagan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managunent accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount returned by the Bank to the account which holds the lido:nay Shares The rthate annotan represents the portion of servicing fats paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00009347 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278545 EFTA01487783