EFTA01482681.pdf

December 31, 2005 - Jeffrey E Epstein January 31,2006 JPMorgan 0 Priman Account Number. Bank Private Page II of II Important Information about Your Statement Accounts arc subject to the °maid Terms For Accounts and Services and applicable appendices and account agreements. Your accounts. unless otherwise indicated on the statement, are held by JPMorgan Chase Bank, N.A. (the *Bank-) Deposit accounts held at the Bank. including checking. savings, CD, and money market accounts, are FDIC Maned In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts oak) telephone or write to the Bank d you think your statement or receipt is wrong. or if you neat more inlonnation about an electronic transaction on a statement or map. The phone number for inquiries is pruitial on the front of this statement The addle% for inquiries appears below. We mist hair from you no Inter than 60 days atter we sent you the FIRST statement on which the error or problem appealed • Tell is your name and account number. Please direct all inquiries to your Morgan Account Officer at • Describe the erns or the transfix you are unsure about. JPMorgan Private Bank Client Service and esmlain as 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 cornxi any error promptly. If we take more than 10 business days to do this (20 business days for transactions outside the U.S. and point-of-mle transactions). we will recredit your account for the amount you think is in error so that you will have we of the money during the time it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers ?tease examine your account at once. If you feel an error has taken place or have questions concerning a non-elixtrome transaction, telephone or write us within in days The phone number is printed on the front of Nis statentent. lhe address appears above. lino main is received within this period, your account will be considered correct. Mutual Rinds/Securitles Securities (including Mutual Funds) and annuities are not bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, N.A. or its affiliates or any federal or state government or government agency or goi ernment sponsored agency. Securities (including mutual funds) and annuities int ols e ins estment risks, including the possible loss of the principal amount Invested. The distributor of the IPMorgan Funds is JPMorgan Distribution Setviccs. Inc.. which is an affiliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receive compen.sation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including fiats and expeusa before investing or sending Money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund, Inc. and JI'Morgan Select Shares of the New Jersey Daily Municipal Income Fund, Inc. are not part of. or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Ames Management LP, which are unaffiliated with JPMorgan, arc the funds' distributors and investment advisor, respectively. Reich & 'fang Distributors Inc. is a member NASD. IRA Accounts Accounts where the Bank serves as timbre 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 investment, administrative, custixhan or other charges paid to the Bank or its affiliates for services to the applicable JI'Morgan Funds since these charges are subject to rebate as defined below. For accounts where die Bank serves as trustee, or dimmtionary investment ma age for an ERISA plan or an IRA, which hold tires in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so held. Fiduciary Sharm are shares in the Select Shares class of JPMorgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund. JPMorgan Tax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund. JPMorgan Mid Cap Equity Fund. JPMorgan 7 rust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. JPMorgan Short Ram Bond Fund II, JPMorgan Bond Rind 11, JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Shan-Intermediate Income Fund, JPMorgan Intermediate Tax-Free Income Fund, JI'Morgim Tax-Fm Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income Fund and 'Morgan NJ Tax Free Income Fund held in the Rank's trust accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate mains an amount returned by the Bank to the account which holds the Fiduciary Shares. 'llsc rebate amount represents the portion of servicing It paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00003830 JPMorgan Chase CONFIDENTIAL SDNY_GM_00273028 EFTA01482681