EFTA01524302.pdf

April 29,2006 - Gillslaine Maxwell 31, 2006 JPMorgan 0 Primary Account Number Private Bank Page 4 of 4 Important Information about Your Statement Accounts are subject to the Central Terms For Accounts and Services and applicable appendices and account agnxilialb Your accounts. unless otherwse indic.atedon the statement. are held by JPMorgan Chase Bank NA. (the 'Bank"). Deposit recounts held at the Bank, including checking, savings, CD, and MOM, market accounts, are FDIC insunxl. In Case of Erron or Questions About Your Electronic Funds Transfers (personal accounts onk) Telephone or write to the Bank if you think your statement or mop is %TON. Of if you need more intormation about an electronic transaction on a aatetnent or receipt. The phone number for inquiries is printed 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 aatement 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 unswe about. JPMorgan Private Bank Chad Service and explain at: clearly os you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 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 ID bwinew days to do this (20 busineni days for transactions outside the U.S and point-of-sale transactions), we will recrelit 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 fed an error has taken place or have questions concerning a non-electronic trznunction, 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 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. 'Ile distributor of the JPMorgan Funds is JPMorgan Distribution Sersices, Inc.. which is an affiliate of JPMorgan Chase Bank, N.A.. JPMorgan Chase Bank, N.A., and its affiliates receive comp-mullion from JPMorgan Funds for providing services. Read the JPMorgan Funds prospectuses carefully for details. including fees and expenses, 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 Municiped Income Fund. Inc. are not pat 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 Wistorgan, arc the funds' distributors and investment advisor, respectively. Reich Et Tang Distributors Inc. is a mamba NASD. IRA Accounts Accounts where the Bank serves as trustee or as discretionary invwtmait manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described below) do not ter am portion of investment, administrative, custodian or other charges paid to the Bank or its affiliates for services to the applicable JPMorgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as trustee, or diarelionary investment manager for an ERISA plan or an IRA, which hold shares in the JPMorvnt Finals other than Fiduciary Sharet the Bank receives fees for services from the JPMorgan Funds Mit waives account fees with respect to the funds 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, JPAtorgan Mid Cap Equity Fund, 'Morgan Trust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. JPMorgan Short Tam Bond Fund II. JPMorgan Bond Fund IL JPMorgan Tax Aware Enhanced Income Fund. Morgan Tax Aware Short-Intermediate Income Fund, JPMorgan Intermediate 'fax-Erw Income Fund, JPNIorgim Taxtrix Income Fund, JPMorgan California Bond Fund. JPMotgan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax lox Income Fund held in the Bunk's trust accounts or in the Bank's investment managanail accounts for ERISA plans or IRAs. "Rebate means an amount returned by the Bank to the account which holds the Fiduciary Shares. Ile rebate amount represents thc portion of servicing fees paid to the Bank by the mutual fund with 'wpm( to Fiduciary Shams. Confidential Treatment Requested by JPM-SDNY-00052098 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321296 EFTA01524302