EFTA01497024.pdf

October 01, 2004 - NES, LLC October 29, 2004 Primary Account Number JPMorgan Private Bank Page 6 of 22 Important Information about Your Statement Personal accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Ihniness accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services Your accounts. unless otherwise indica-1ton the Statement. are held by JPMorgan Chase Bank (the 'Bank"). Deposit accounts held a 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 woe to the Bank if you think your statement or receipt is wrung. or if you need more animation about an electronic transaction on a 9atinnent or maim. 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 sem you the FIRST internal 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 transfer you an: unsure about. II/Morgan Private Bank Client Service and explain as chanty as you can why you believe it is an 500 Stanton Christiana Road. I AlIPS3 error or why you need mote information. Newark. DIE 19711-2107 • 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 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 an error has taken place or have que9tons concerning a nonelectronic transaction. telephone or mite 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 not FDIC insured nor are they obligations of or guaranteed by JPMorgan Clime Bank. or its affiliates or any federal or state gm erom en t or gos ernmeni 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 aftiliatal with the Bank. The Bank and its affiliates receive compensation from the JPMor•an Funds for providing savices to the funds. Read the JI'Morgan Funds prospectuses carefully for Marls, including fees and ex-panes, before investing or smiling money. 'Morgan 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 WMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which are unaffiliatal with II'Morgat are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manic NASD. The Bath is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bank, is a manila of NASIYSIPC. IRA Accounts Accounts of the Bank as mom 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 'Morgan Funds for which a rebate moss has bem established since these charges are subject to rebate as defined below. For accounts of the Bank as %mice. or dimretionary roves R/CM manager for an ERISA 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. "fiduciary Shares' means shams of JPMorgan Select Funds and Institutional Sham of the JI'Morgan Bond Fund II. JPMorgan Short-Term Bond Fund II. WMorgan Intermediate Bond Fund II. and 3PMorgan Large Cap Equity Fund held in Bank bunt aCCOUMS or in discretionary investment management accounts at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Shaer. The rebate amount mimeses the portion of servicing fey mid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00020441 JPMorgan Chase CONFIDENTIAL SDNY_GM_00289639 EFTA01497024