EFTA01487845.pdf

October 01, 2003 - EPSTEIN INTERESTS October 31,2003 Primary Account Number O JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Business accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services Your accounts. unless othawrie 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 onh.) Telephone or write to the Bank if you think your statement or receipt is swung, or if you need more automation 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 aria we rent you the FIRST outman on which the error or problem appeared. • Tell us your name and account number. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the frusta you are unsure about. it/Morgan Private Bank Client Service and explain ascii:any as you can why you believe it is an 500 Stanton Christiana Road, I /CIPS3 armor why you need mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the urinated 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 examtne your account at once. If you feel an error has taken place or have queatons concerning a noualectrome 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 erom en t or gm 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 affiliated with the Bank. The Bank and its affiliates receivecompensation from the Whlorgan Funds for providing aavices to the funds- Read the JPMorgan Funds prospectuses carefully for Mails, including fees and ex-panes, before investing or scaling money. JPMorgan Select Shares of the Cams:erica% 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 JPMorgan 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 manha NASD. The Bran is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bank, is a manlier of NASIYSIPC. IRA Accounts Accounts of the Bank as trumee, or as discretionary bwenment manager for an ER1SA 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 been established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or diwretionary investment manager for an ERISA plan or an IRA. which hold AWICS in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account Uses with respect to the funds so held. 'fiduciary Shares' means shares of JPMorgan Select Funds and Institutional Sham of the WM/upon Bond Fund II. JPMorgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank tout 8CCOUMS or in discretionary investment management accomas at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Shan. The white amount ulnae:its the portion of servicing fir paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00009409 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278607 EFTA01487845