EFTA01524213.pdf

April 01,2004 - Ghiathine Maxwell April 30,2004 Primary Account Number JPMorgan Private Bank Page 4 of 4 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agmement or the General Terms For Accotmts and Services. Business accounts are subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services Your accounts. unless ethane Stem...Jon the Statement. are held by JPMorgan Chase Bank (the allank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FI)IC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onhl Telephone or Mlle to the Bank if you think your statement or receipt is swung. or if you need more affirmation about an electronic transaction on a statement or maim. The phone number for inquiries is printed on the front of this statement. The address for inquiries appears below. We must hair fmm you no later than 60 days n0er we vat you the FIRST eaternau 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 frusta you are unsure about. JI'Morgan Private Bank Cliart Service and explain as eleally as you can why you believe it is an 500 Stanton Christiana Road, I MM'S3 error or why you need mote information. Newark. DE 19711-2107 • Tell us the dollar amount of the suspected error. We will investigate yotw complaint and will coma any error promptly. If we take more that 10 business days to do this (20 business days for transactions outside the U.S. and point-of-sale tran.sactionr), 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 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. 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 Claw 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 affiliatal with the Bank. The Bank and its affiliates receive compensation from the Whlorgan Funds for providing services to the funds. Read the JI'Morgan Funds prospectuses carefully for details, including fees and ex-raises before investing or scaling money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and WMorgan Select Shares of the New Jassy 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 are unaffiliatal with JI'Morgat are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a mania NASD. The Ban is not a registered broker-dialer. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a manta- of NASIRSIPC. IRA Accounts Accounts of the Bank as mace, or as discretionary bwestment manager for an EIUSA 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 bem established since these charges are subject to rebate as defined below. For accounts of the Bank as tnutee, or diatetionary uwerament manager for an EFUSA plan or an IRA. which hold Ala/CS in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so held. 'fiduciary Shares' means shams of JP/slorgari Select Funds and Institutional Shwa of the JI'Morgan Bond Fund II. JPMorgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank bust accounts 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 relate ;gnome rep asents the potion of servicing fan paid to the Bank by the mutual fund with respect to Fiduciary Shann. Confidential Treatment Requested by JPM-SDNY-00051998 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321196 EFTA01524213