EFTA01482523.pdf

July 31.2004 - Jeffrey E Epstein August 31, 2004 Primary Account Number JPMorgan Private Bank Page 8 of S Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tenns For Accounts ;tad Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Tarns For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13ratk"). Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc HNC insured. In Case of Errors or Questions About Your Electronic Rinds Transfers (personal accounts only! Telephone or wine to the. Bank if you think your stamen( or receipt is wrong. or H you need more mlonnation 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 atta we sent you the FutsT stnemcm on which the error or problems appeared. • Tell us your name and account mutat Please direct all inquiries to your Mogan Accotsit Officer at • IRscribe the mix or the transfix you arc unsure ghoul, JPMorgan Private Bank Client Service mid explain as clearly as you can sYhy 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 arid will correct any ewer 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 RIMIOY dieing 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 correct. 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 JP8forgan 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 receive compensation from the JPMorgan Funds for providing services to the (with. Read the ;Morgan Funds prospectuses carefully for details. including fees and apania, before investing or wilding money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund. Inc. are not part of, or affiliated with, the JPIalorgan Family of Mutual Funds. Reich rt Tang Distributors Inc. and Reich R 'Tang Asset Management L.P., which are unalIthated with JPMorgan. are the fund? distributors and Satsuma advisor. Reich & Tang Distributors Inc. is a manta NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Fund Distributors. Inc. a subsidiar) of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described below) do not bear any portion of investman . administrative, custodian or other charges paid to the Bank or its affiliates for services to JPMorgan Funds for which a rebate process has been established since these charges are subject to rebate as dermal below. For accounts of the Bank as trustee, or discretionaty investment manager for an IERISA plan or an IRA. which hold shares in the JPMorgan Funds other than Fiduciary? Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the fads so held. 'fiduciary Shares" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JI'Morgan Short-Term Bond Fund II. JPMorgan Intainediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managanent accounts at the Bank held by ERISA plans or IRAs. 'Rebate means an amount returned by the Bank to the account which holds the Fiduciary Shares The ramie amount 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-00003662 JPMorgan Chase CONFIDENTIAL SDNY_GM_00272860 EFTA01482523