EFTA01524270.pdf

July 30,2005 - Ghlslaine Maxwell August 31,2005 Printery Account Ntanbt CPJPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Accounts are subject to the Genaal Terms For Accounts and Services and applicable appendices and account agmunail: Your accounts. unless othermse indic.atedon the statement. are held by JPMorgart Chase Bank NA. (the 'Bank"? Deposit recounts held at the Bank, including checking, savings, CD, and matey market accounts, are FDIC insunxl. In Case of Erron or Questions About Your Electronic Funds Transfer, (personal accounts mill Telephone or wine to the Bank if you think your statement or mop is wrong. or if you need more mormation about an electronic transaction on a Aatetnent or receipt. The phone number for inquiries is pirated on the front of this statement. The address for inquiries appears below. We must hear front you no later than 60 days after we sent you the FIRST eatement on which the error or problem appeared. • Tell us your name and account numbs. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the transfer you are unsure about. JPMorgait Private Bank Chan Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 error or why you need more information Newark. DE 19713-210T • 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 transactions), we will recralit your account for the amount you think is in awe so that you will have use of the money during the lime 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 an error has takai place or have questions concerning a non-electronic transaction, telephone or write us within 30 days. The phone number is printed on the lions of this melanin. The address appears above. If no tenon is received within this period. your account will be considered comxt. Mutual Funds/Securities Securities (including Mutual Funds) and annuities ate not hank deposits and arc not FDIC insured nor arc they obligations of or guaranteed by JPMorgan Chase Bank, N.A. or its affiliates or any federal or state government or government agency or government sponsored agency. Securities (including mutual funds) and annuities involve investment risks. including the possible loss of the principal amount invested. 'llse distributor of the JPMorgan Funds is JPMorgan Distribution Services, Inc.. which is an affiliate of JPMorgan Chase Bank, N.A.. JPMoman Chase Bank, N.A., end its affiliates receive compensation from JPMorgan Funds for providing services. Read the JPMorgan Funds prospectuses carefully for details. including fees and moans, before investing or tending 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 Asset Management L.P., which arc unaffiliated with JPIAorgan, arc the fund? distributors and investment advisor, respectively. Reich Et Tang Distributors Inc. is a main- NASD. IRA Accounts Accounts where the Bank serves as trustee or as discretionary investment manager for an ERISA plat or an IRA that hold Fiduciary Shares (as described below) do not tear am mutton of investment, administrative, custodian or other charges paid to the Bank or its affiliates for nnices to the applicable JPMorgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as trustee, or dimretasnary investment manager for an ERISA plan or an IRA, which hold shares in the JPMorvut Funds other than Fiduciary Sharer, the Bank receives fees for services front the JPMorgan Funds but waives account fees with respect to the hinds so held. Fiduciary Shares are shares in the Select Shares class of JPMorgan Tax Aware Large Cup Value Fund, JPMorgan US Equity Fund, JPMorgan Tax Aware US Equity Fund, JPMorgan Fax Aware Large Cap Growth Fund, JPMorgan Mid Cap Equity Fund, 'Morgan Trust Small Cap Equity Fund, JPMorgan Fleming Intonational Equity Fund. JPMcirmul Short Tam Bond Fund II. JPMorgan Bond Fund IL JPMorgan Tax Aware Enhanced Income Fund. Morgan 'Fax Aware Short-Intermediate Income Fund, Jl'Motgan Intermediate Tax-Erm Income Fund, JPIslorgtm Tax-Free Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax Fax Income hind held in the Bank's trust accounts or in the Bank's investment managanaut accounts for ERISA plans or IRAs. "Rebate means an amount retuned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents thc portion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00052060 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321258 EFTA01524270