EFTA01482398.pdf

May 31,2003 - Jeffrey E Epstein June 30, 2003 Primary Account Number JPMorgan Private Bank Page 9 of 9 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 Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13zatk"). Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts only! Telephone or wine to the. Bank if you think your statanent or receipt is wrong. 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 atlas we sent you the rattsT statement on which the error or problem appeared. • Tell us your name and account number. Plasm direct all inquiries to your Morgan Accoun Officer at • Describe the mar or the transfer you arc unsure RECK JPMorgan Private Bank Client Service and explain as clearly as you can %shy you believe it is an 500 Stanton Christiana Road, I/OPS3 armor why you need more information. Newark, DE 19713-2107 • Tell us the dollar amount of die slti/CCkX1MOT. We will investigate your complaint arid will correct any error promptly If we take more than 10 business days to do this (20 business days for transactions outside the MS. and point-of-sale transactions), we will nxredit your account for the amount you think is in error so that you will have use of the money dieing the tune it takes us to complete our investigation In Case of Er on 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 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 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. 'Me distributor of the JPMorgan Funds is JPMorgan Fund Distributors, Inc. which is not affiliated with the Bank. Ile Bank and its affiliates !mace compensation from the JPMorgai Funds for providing services to the (with. Read the ;Morgan Funds prospectuses carefully for details. including fees and apiaries before investing or wilding money. JPMorgan Select Shears of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan 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 it Tang Distributors Inc. and Reich R Tang Asset Management L.P., which are unaffiliated with JPMorgan, are the fund? distributors and investman 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 subsidiary 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 investmat, 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 defined below. For accruals of the Bank as trustee, or discretionaiy investment manager for an ERISA 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 fads so held. "fiducitify Shams" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JI'Morgan Short-Term Bond Fund II. JPMorgan Intamediate 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 mental by the Bank to the account which holds the Fiduciany Shares The ramie amount represents the portion of servicing fats paid to the Bank by the mutual fwd with respect to Fiduciary Shams. Confidential Treatment Requested by JPM-SDNY-00003537 JPMorgan Chase CONFIDENTIAL SDNY_GM_00272735 EFTA01482398