EFTA01497100.pdf

Ihrcember 01, 2004 - NES, U.0 Ihmember 31, 2004 Primary Account Number: JPMorgan Private Bank Page 7 of 7 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Tams For Accounts mud Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts Of the General Terms For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank. NA. (the "Bank") Deposit accounts held at the Bank, including checking. savings, CI), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or ante to the Bunk if you think your statement or receipt is "rang. or it you need more mionnation about an electronic transaction on a statement or receipt. The phone number for inquiries is printed on the front of this statement The address for inquiria appears below. We must hear from you no later than 60 days attic we sent you the rattsT statemcnt on which the error or problem appeared. • Tell us sour name and account numba. Plebe direct all inquiries to your Mogan Account Officer at • Describe the mum or the transfer you arc WM= ACK JPMorgan Private Bank Client Service and explain 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 die 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 tnunictions outside the U.S. and point-of-sale transactions), sae will recredit your account for the amonmt you think is in error so that you will have use of the money thump the tune it takes us to complete our investigation In Case of Erron or Questions About Non Electronic Transfers Please examine your account at once. If you feel an error has taken place or have questions concerning a non-electronic transaction. telephone or write us within 10 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 Fluids/Securities Securities (including Mutual hinds) 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 gm ernment or government agents or government sponsored agency. Securities (Including mutual funds) and annuities invoke inseament risks Including the possible loss of the principal amount Invested. The distributor of the JPMorgan Funds is J.P. Morgan Funds Distributor. Inc. which is not affiliated with the Bank. the Bank and its affiliates receivecompensation from the Morgan Funds for providing services to the funds. Rand the ;Morgan Funds prospatuses carefully for details including fees and equine:, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Fore Income Fund. Inc. and Whimper% Select Shams of the New Jersey Daily Municipal Income Lund, Inc. arc not part of, or affiliated with. the Whiorpan Family of Mutual Fumks. Reich & 'Fang Distributors Inc. and Retch & Tang Asset Management L.P.. Mich are unalfiliatal with JPMorgan. an: the funk distributors and investment advisor, respectively. Reich & Tang Distributors Inc is a member NASD. IRA Accounts Accounts where the Bank serves as trustee or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shams (as described below)do not bear any portion of investment. administative.cuilodian or other charges paid to the Bank or its affiliates for services to the applicable JPMorgan Funds since these charges arc subject to rebate as darned blow. For accounts ahem the Bank serves as trustee, or discretionary investment manager for an liRISA plan or an IRA. Much hold shares in the JPMorgan Funds other Linn Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so held Fiduciary Shares are shares in the Select Shams class of 'Morgan Tax Aware Large Cap Value Fund. JPMorgan US Equity Fund, 'Morgan Tax Aware US Equity Fund. JPMorgan Tax Aware Large Cap Growth Fund, JPMorgan Mid Cap FAO. Fund. JPMorganmist Small Cap Equity Fund. ;Morgan Fleming International Equity Fund. Morgan Short Tenn Bond Fund II, JI'Morgan Bond Fund IL 'Morgan Tax Aware Enhanced Income Fund, JI'Morgan Tax Aware Short-Intermediate Income Fund. JI'Morgan Intermediate Tax-Free Income Fund. JPMorgan Tax-Free Income Fund. JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income Fund and JPMergan NJ Tax Free Income Fund held in the Bank's mist accounts or in the Bank's investment management accounts for ERISA plans or IRAs. •Rebate' means an amount returned by the Bank to the account which holds die Fiduciary Shares. The rebate amount represents the portion of servicing fees paid to the Bank by the mutual fund with raped to Fiduciary Shwa. Confidential Treatment Requested by JPM-SDNY-00020518 JPMorgan Chase CONFIDENTIAL SDNY_GM_00289716 EFTA01497100