EFTA01524231.pdf

September 01.2004 - Ghistaine Maxwell September 30.2004 Primary Account Number JPMorgan Private Bank Page 4 of 4 Important Information about Your Statement Personal Iranians are subjest to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Business accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indicatul on 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 onM Telephone or write to the Bank if you think your statement or receipt is wrung. or if you need more somas about an electronic transaction on a matanent or receipt. 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 after we sent you the FIRST statement 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 enor or the transfer you are unsure about. it/Morgan Private Bank Client Service and explain ascii:arty as you can why you believe it is an 500 Stanton Christiana Road. I AlIPS3 aror or why you need mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the suspected as. We will investigate your complaint and will correct 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.sactions), we will stab your account for the amount you think is in error so that you will have use of the money during the time it aka 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 quebtons concerning a nonalectrome transaction. telephone or write us within 30 days. The phone number is printed on the front of this statmient. 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 emmen t or gosernmenr 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 affiliaval with the Bank. The Bank and its affiliates receive compensation from the Whlorgan Funds for ptovirling rewires to the funds. Read the JI'Morgan Funds seams carefully for derails, including fees and ex-panes before investing or setting 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 3Morgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliated with JPMorgase arc the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manha NASD. The BLS is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bank, is a manila of NASIMSIPC. IRA Accounts Accounts of the Bank as trumee or as discretionary bwestment manager for an EIUSA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any potion 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 trustee, or dist:dons roves R/CM 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 Whlorgrm Select Funds and Institutional Shama of the JI'Morgan Bond Fund II. 'Morgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and Wagon Large Cap Equity Fund held in Bank bunt accents or in discretionary investment management access at the Bank held by ERISA plans or IRAs. "Rebate means an amount returned by the Bank to the account which holds the Fiduciary Shama. The rebate amount reptsents the potion of servicing fey paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00052016 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321214 EFTA01524231