EFTA01497005.pdf

September 01.2004 - NES, LLC September 30.2004 Primary Account Number. ° JPMorgan Private Bank Page 6 of 19 Important Information about Your Statement Personal mamas are subject to the Deposit Accounts Agreement or the General Terms For Accormts and Services. 13roiness accounts are subject to the Tams and Conditions for Commercial Accounts or the Genial Tams For Accounts and Services Your accounts. unless otherwise indicarol on the Statement. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CD, and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to the Bank if you think your statement or receipt is wrong. or if you need more intimation about an electronic transaction on a statement or receipt The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair from you no later than 60 days after we vat you the FIRST statement on which the error or problem appeared. • Tell us your name aid account number. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the transfer you are unsure about. JI'Morgan Private Bank Client Service and explain ascii:any as you can why you believe it is an 500 Stanton Christian Road. I /CIPS3 error or why you need mote information. Newark. DE 19713-2107 • Tell us the dollar amount of the napected 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 U.S. and point-of-sale tran.sactions), we will recrcdit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examtne your account at once. If you feel an error has taken place or have quebtons 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. If no report is received within this period, your account will be considered correct. Mutual Funds/Securities Securities (including Mutual Funds) and annuities are not hank 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 got erom en t or got ernment 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 affiliatal with the Bank. The Bank and its affiliates receive compensation from the WMor•an Funds for providing services to the funds. Read the JI'Morgan Funds prospectuses carefully for Marls, including fors and exposes, before investing or smiling money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan Select Shares of the New Jersey Daily Municipal Income fund, Inc. arc not pan of, or affiliated with, the WMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliated with II'Morgan. are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manha NASD. The Baia is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bank, is a manila of NASIYSIPC. IRA Accounts Accounts of the Bank as mace, or as discretionary bwestment manager for an ERISA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any potion of investment. administrative, custodian or other charges paid to the Bank or its affiliates for services to JI'Morgan Funds for vthich a rebate process has bum established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or discretionary roves R/CM manager for an ERISA plan or an IRA. winch hold Ala/CS in the 'Morgan Funds otha than Fiduciary Shares, the Bank receives fees for services front the JPMorgan Funds but waives account fees with respect to the funds so held. 'fiduciary Shares' means shares of JI'Morgim Select Funds and Institutional Shims of the JI'Morgan Bond Fund II. JPMorgan Short-Tam Bond Fund II. JI'Morgan Intermediate Bond Fund II. and 31tMorgan Large Cap Equity Fund held in Bank nut aCCOUMS or in discretionary investment management 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 rebate annuli rapines the portion of servicing ley paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00020422 JPMorgan Chase CONFIDENTIAL SDNY GM_00289620 EFTA01497005