EFTA01524235.pdf

October 01, 2004 - Ghlslaine Maxwell October 29.2004 Primary Account Number JPMorgan Private Bank Page 4 of 4 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Marinas accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise Simi-non the Statement. 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 onhl Telephone or wise to the Bank if you think your statement or receipt is wrung. or if you need more affirmation 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 rent 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. 11/Morgan Private Bank Client Service and explain ascii:arty as you can why you believe it is an 500 Stanton Christian Road. I MM'S3 error or why you need mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the suspected 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 examine your account at once. If you feel at error has taken place or have queetons concerning a noneleetteme 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 gm c rom en t or gor 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 .IPMorgan Funds for Landing aavices to the funds. Read the Jl'Morgan Funds prospectuses carefully for details, including fees and ex-panes before investing or sending money. 1PMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income Fund, Inc. are not pan of, or affiliated with, the .1Morgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with WMorgast are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a mantra NASD. The Bank is not a registered broker-Jailer. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Back, is a member of NASIYSIPC. IRA Accounts Accounts of the Bank as trance, or as discretionary Menment manager for an ER1SA plan or on 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 beim established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or dimetionary investment manger for an ERMA plan or an IRA. which hold staves in the 'Morgan Funds o0ta than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fins with respect to the funds so held. "fiduciary Shares' means shams of WhIorgim Select Funds and Institutional Sham of the JPMorgan Bond Fund II. 'Morgan Short-Tam Bond Fund II. 1PMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank bunt aCCOUMS or in discretionary investment managanent 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 Shags. The rebate anown represents the portion of servicing fan paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00052020 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321218 EFTA01524235