EFTA01487857.pdf

November 01, 2(813 - EPSTEIN INTERESTS November 28,2003 Primp Account Number. JPMorgan Private Bank Page 3 of 3 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 'Bail:"). 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 Fonds Transfers (personal accounts only! Telephone or ante to the Bank if you dunk your statanent or receipt is %%Tong. or it you need more mlonnation about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this statement. The address for inquirim appears below. We must hear from you no later than 60 days attic we sent you the FutsT statement on which the error or problem appeared. • Tell us sour name and account 'ambit Plebe direct all inquilies to your Mogan Accrual( Officer at • Describe the mar or the transfer sou arc unsure RECK JPMorgan Private Bank Client Service mid explain as clearly as you can why you believe it is an 5110 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 sour 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 (1.5. 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 during the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account al 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 mill tic 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. the Bank and its affiliates !ideate compensation from the JPMorgan Funds for providing services to the funth. Read the ;Morgan Funds prospxtuses carefully for details. including fees and impasse:, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the JPMorgan Family of Mutual Fuels. Reich it Tang Distributors Inc. and Reich 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 Ftuid 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 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 dermal below. For accounts of the Bank as mistee, or discretionap 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 fads so held. "fiduciary Shams" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund Id JPMorgan Short-Term Bond Fund II. JPMorgan Intainediate 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 remittal by the Bank to the account which holds the Fiduciwy Shares The abate (amount represents the portion of servicing fats paid to the Bank by the mutual fund with realism to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00009421 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278619 EFTA01487857