EFTA01482627.pdf

July 01, 2005 - Jeffrey E Epstein July 29, 2005 Primary Account Number °JPMorgan Private Bank Page 9 of 9 Important Information about Your Statement Accounts are fajta to the General Terms For Accounts and Services and applicable appendices and account agreements. Your accounts. unless otherwise mat:avid on the statement, arc held by JPMorgan Chase Bank, N.A. (the *Bank' Deposit accowits held at the Bank. including clucking, savings, CD, and money market accounts, are FDIC instant In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts only) ragas:meor urge to the Bank J you think your statement or receipt is wrong, or if you nail more information about an electronic transaction on a statanent or mein. The phone number for inquiries is pruned on the front of this statement. The °dike% for inquiries appears below. We must hair from you no Inter 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 erns or the panda you are unsure about. JPMorgan Private Bank Client Service and captain as clairly 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 cot 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 onside the U.S. and point-of-mle 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 in to complete ow investigation. In Case of Erron or Questions About Non Electronic Transfers Plane examine vow account at once. It you feel an error has taken place or have questions concerning a non-electronic transaction, telephone or write us within in days. The phone numba is printed on the front of Nis statement. "the address appears above. lino ninon is received within this period. your account will be considered correct. Mutual Rinds/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 Chase Bank, N.A. or in affiliates or any federal or state government or government agency or government sponsored agency. Securities (including mutual funds) and annuities in% obe investment risks. including the possible loss of the principal amount invested. The distributor of the IPMorgan Funds is Jl'Monzan Distribution Seri-ices. Inc.. which is an atEliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receive compensation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including fey and expel na. before investing u sending th011e:f 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 A Tang Ana Management I..P., which are unaffiliated with JPMorgan, are the funds' distributors and investment advisor, respectively. Reich & 'fang Distributors Inc. is a member NASD. IRA Accounts Amounts where the Bank saves as uustee or as discretionary investment managa for an ERISA plan or an IRA that hotel Fiduciary Shares (as described below ) do not hear any portion of investment, administrative,custotan 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 serves as trustee, or dime-nouns' investment managa for an ERISA plan or an IRA, which hold shares in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds tint waives account fees with respect to the funds so held. Fiduciary Shares are shares in the Select Shares class of JPMorgim 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 &juin Fund. JPMorgan 1 rust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. IPMorgtm Short Tam Bond Fund II, JPMorgan Bond Fund 11, JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Shan-Intermediate Income Fund, JPMorgan Intermediate Tax-Free Income Fund, JPMorgim 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 means an amount returned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents the portion of servicing It paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00003771 JPMorgan Chase CONFIDENTIAL SDNY_GM_00272969 EFTA01482627