EFTA01487943.pdf

September 01, 2004 - EPSTEIN INTERESTS September 30,2004 Primary Amount Number. O JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal &comb are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indicated on the btatement. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or wine to the Bank if you think your statement or receipt is wrong. or if you need more intimation about an electronic transaction on a Ratanent 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 atomism 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. 3I'Morgan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road, I alIPS3 armor why you need mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the asspected 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.sactionn, 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 at error has taken place or have queatons concerning a non-electronic transaction. telephone or write us within 30 days. The phone number is printed on the front of this saltation. 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 JP3lorgan Chase Bank. or its affiliates or any federal or state gm 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 receivecompensation from the Whlorgan Sands for voiding services to the funds. Read the .094organ Funds prospectuses carefully for details, including fees and ex-canes, before investing or sanding 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. are not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P., which an: unaffiliatal with JI'Morgiet are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manba NASD. The Bank is not a registered broker-doter. Securities transactions ma be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a manlier of NASIMSII'C. IRA Accounts Accounts of the Bank as moan or ns discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described below) do not bear any portion of investment. administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for which a rebate process has Item established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or di retionaQ- 111WAMent mimosa for an ERISA plan or an IRA. which hold shares in the 'Mown Funds other that Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fns with respect to the funds so held. 'fiduciary Shares' means shares of JPMorgan Select Funds and Institutional Shafts of the JI'Morgan Bond Fund II. JPMorgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank tout accents or in discretionary investment managanent oceans 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 taxmen the portion of servicing ley paid to the Bank by the mutual fund with respect to Fiduciary Shan. Confidential Treatment Requested by JPM-SDNY-00009507 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278705 EFTA01487943