EFTA01496944.pdf

July 01,2004 - NES, LLC July 30,2004 Primary Account Numa ® JPMorgan Private Bank Page 6 of 22 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts are subject to the Tams and Conditions for Commercial Accounts or the General Trims For Accounts and Services Your accounts. unless of arnse indicated on the Statemen t. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CD, and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to the Bank if you think your statement or receipt is wrung. or if you need more intimation about an electronic transaction on a state nent 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 after we vat you the FIRST Paternal 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 error or the transfix you are unsure about. JI'Moigan Private Bank Client Service and egilain as clearly as you can why you believe it is an 500 Stanton Christiana Road. IAN'S; armor why you need mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the usspectedenor. 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 m that you will have use of the money during the time it rakes us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at once. If you feel at error has taken placeor have quenns concerning a noneleetname transaction. 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 bank deposits and are nor FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, or its affiliates or any federal or state gm e rnm en t or goy 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 receive compensation from the 3Phlipan Funds for ixoviding services to the funds. Read the JPMorgan Funds prospectuses carefully for diilails, including fees and expanses, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan 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 are unaffiliated with JPMorgan are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manta NASD. The Bat* is not a registered broker-Jailer. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Back, is a manlier of NASIMSIPC. IRA Accounts Accounts of the Bank as trumee, or as discretionary investment manager for an ER1SA plan or an 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 JPMcirgan Funds for which a rebate process has been established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or dimretionary investment manager for an ERMA plan or an IRA. which hold shares in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for services front the JPMorgan Funds but waives account flies with respect to the funds so held. "Bilis:lot). Shares' means shares of JP/slorgan Select Funds and Institutional Shona of the Jl'Morgan Bond Fund II. JPMorgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank taut accents or in discretionary investment managanrie accomus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Shama. The mime amount mimeses the portion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00020360 JPMorgan Chase CONFIDENTIAL SDNY_GM_00289558 EFTA01496944