EFTA01524224.pdf

July 01,2004 - Ghtsiaine Maxwell July 30,2004 Printery Account Number JPMorgan Private Bank Page 4 of 4 Important Information about Your Statement Personal accounts are subjet to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Marinas accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indicated 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 on Telephone or woe to the Bank if you think your statement or receipt is wrong. or if you need more 'intimation about an electronic transaction on a uatinnent or receipt. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days aria we sem you the FIRST antennae 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 transfix you are unsure about. JI'Morgan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road. I MM'S3 era or why you need mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the ampected 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 examine your account at once. If you feel an error has taken place or have queatons concerning a nonmleetnome transaction. telephone or write us within 30 days. The phone number is printed on the front of this suitanent. 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 bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Claw Bank or its affiliate, or any federal or state gm ernm 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 affiliatial with the Bank. The Bank and its affiliates receivecompensation from the JPNlinpan Funds for providing savices to the funds. Read the Jl'Morgan Funds prowatusmc.arefully for details, including fees and exposes, before investing or smiling 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 pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliated with JPMorgat are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manta NASD. The Bank is not a registered broker-deals. Securities transactions ma be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a member of NASIRSIPC. IRA Accounts Accounts of the Bank as trumee, or as discretionary bwestment manager for an ERISA 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 JPMorgan Funds for which a rebate process has bum established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or discretionary uwemment manager for an EFUSA plan or an IRA. which hold shoes in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account Um with respect to the funds so held. "fiduciary Shares' means shares of JPNIorgan Select Funds and Institutional Shoes of the JI'Morgan Bond Fund II. JPMorgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank bust 8CCOUMS or in discretionary investment management accoans at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Sham. The relate amoum rantsents the potion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00052009 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321207 EFTA01524224