EFTA01497330.pdf

September 01, 2005 - NES. LIG September 30,2005 JPMorgan 0 Primary Account Number Bank Private Page 7 of 7 Important Information about Your Statement Accounts arc subject to the Genoa! Terms For Accounts and Services and applicable appendices and account ago...louts Your accounts. unless otherwise indicated on the statement, are held by JPMorgan Chase Bank, N.A. (the *Bank' J Deposit accounts held at the Bank. including choking, savings, CD, and money market accounts, are FDIC in In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts only) lelephone or ante to the Bank d you think your statement or receipt is wrong, or if you next more mlonnation about an electronic transaction on a statement or map. lbe phone number for inquiries is pnnks1 on the front of this statement °Mire% for inquiries appairs below. We must hair from you no Inter than 60 days atler 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 erns or the transfer you are unsure about. JPMorgan Private Bank Client Service and ewlain as cloudy as you can why you believe it is an 500 Stanton Christiana Road, PORS3 error or why you need more information. Newark, DE 19713-2107 • 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-sile transactions). we will recredit your account for the amount you think is in error so that you will have we of the money during the time it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Flame exanunc your account at once. If you fuel an error has taken place or have questions concerning a non-electronic transaction, telephone or write us within Ni days The phone number is printed on the front of this statement. the address appears above. lino retain is received within this period, your account will be considered correct. Mutual Rinds/Securitles Securities (including Mutual Funds) and annuities are not bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, N.A. or its affiliates or any federal or state government or government agency or gosemment sponsored agency. Securities (including mutual funds) and annuities int oh e ins estment risks, including the possible loss of the principal amount Invested. The distributor of the IPMortian Funds is JPMorgan Distribution Setvices. Inc.. which is an affiliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receive compen.sation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including tom and expenow before investing or sending money. JPMorgan 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 part of. or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Amet Management LP, which are unaffiliated with JPMorgan, arc the funds' distributors and investment advisor. respectively. Reich & Tang Distributors Inc. is a member NASD. IRA Accounts Accounts where the Bank serves as unmet or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as desc Maid below ) do not bear any portion of investment, administrative, custodian or other charges paid to the Bank or Its affiliates for services to the applicable JPtsforgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank serves as trustee, or dimmtionary investment managa for an ERISA plan or an IRA, which hold shares in the JPMorgan Funds other than Fiducimy Shares, the Bank receives fees for Siatkei from the JPMorgan Funds but waives account fees with respect to the funds so held. Fiduciary Sharm are shares in the Select Shares class of JPMorgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund. JPMorgan Tax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund. JPMorgan Mid Cap Equity Fund. JPMorgan 7 nist Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. IPMorgim Short Tenn Bond Fund II, JPMorgan Bond Fund 11, JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Short-Intermodiam Income Fund. JPMorgan Intermediate Tax-Free Income Fund, JPMorgan Tax-Fm Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income l'und and 'Morgan NJ Tax Free Income Fund held in the Bank's trust accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate moms an amount retuned by the Bank to the account which holds the Fiduciary Shares. 'Ilse rebate amount represents the portion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00020760 JPMorgan Chase CONFIDENTIAL SDNY_GM_00289958 EFTA01497330