EFTA01503275.pdf

November Dl, 2002 - ZORRO TRUST November 29,2002 Primary Account Number. 000-119024 JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tams For Accounts and Services. Business amounts are subject to the Tema: and Conditions for Commercial Accounts or the General Terms 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 Fonds Transfers (personal accounts only! Telephone or ante to the. Bank if you think your statement or receipt is wrong. or H you need more alkalisation about an electronic transaction on a statement or receipt. The phone number for inquiries is primal on the front of this statement. The address for inquiries appears below. We must hear from you no later than 60 days after we sent you the tittsT statement on which the error or problem appeared. • Tell us your name and account manba. Plant direct all inquiries to your Morgan Accotsit Officer at • Itescribe the error or the transfer you arc unsure AEOLIC JPMorgan Private Bank Client Service and explain as clearly as you can %shy 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 arm. 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.S. and point-of-sale transactions), we will nxrcdit your account for the amount you think is in error so that you will have use of the RIOJIOy during 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 lti 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 are 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 !cease compensation front the in/foram Funds for providing services to the funds. Read the ;Morgan Funds prospanuses carefully for details. including fees and impasses before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tay 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 ffitylorgan Family of Mutual Funds. Reich et Tang Distributors Inc. and Retch R Tang Asset Management L.P., which are unaffiliated with JPMorgan. are the fund? distributors and investment advisor. Reich & Tang Distributors Inc. is a member NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Rind Distributors. Inc. a subsidiars 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 desertion below) do not bear any portion of investment 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 discretionary investment manager for an IERISA plan or an IRA. which hold shams 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 dads so held. "fiduciary Shares" mains shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts 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 amount repressors the portion of servicing fats paid to the Bank by the mutual fatal with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00027883 JPMorgan Chase CONFIDENTIAL SDNY_GM_00297081 EFTA01503275