EFTA01487978.pdf

December 01, 2004 EPSTEIN INTERESTS December 31, 2004 Primary Account Ntunba °JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts are subjet to the lkposit Accounts Agreement or the General Terms For Accotmts and Sanas. Maness accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services. Your account& wiless otherwise indicated on the Statemen t. are held by JPMorgan Chase Bank. N.A. (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 wrong. or if you need more imormation about an electronic transaction on a statement or twerp. The phone number for inquiries is printed on the front of this statement. The address for inquiries appears below. We must hair from you no later than 60 days alter we scot you the FIRST aternat on which theater or problem appeared. • Tell us your name and account number. Please direct all inquiries to your Morgan Account Office at • Describe the error or the transfer you an: unsure about. JI'Morgan Private Bank elicit Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road. IAN'S; error or why you need more information. Newark. DE 19711-2107 • Tell us the dollar amount of the usspected error. We will investigate your complaint and will coital any aror promptly. If we take more than 10 tnsiness days to do this (20 batmen days for transactions outside the U.S. and poinEof-salc 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 at error has taken place or have questions concerning a non-electronic 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 Funds1Securides Securities (including Mutual Funds) and annuities are not hank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Claw Bank. N.A. or its affiliates or any federal or state government or gm ernment agency or government sponsored agency. Securities (including mutual funds) and annuities int oho investment risks, including the possible loss of the principal amount Invested. The distributor of the WMorgan Funds is J.P. Morgan Funds Distributor, Inc. which is not all-theta with the Bank. The Bank and its affiliates receive compensation from the 3Phltgan Funds for providing services to the funds. Read the JPMorgan Funds prostxxwila carefully for details including fees and espying& before investing or sending money. JPMorgan Select Shares of the Cornecticut 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 Finds. Reich & Tang Distributors Inc. and Reich & Tang Asset Managanent L.P.. which are unaffiliated with JPMorgan. are the funds' distributors and investment advisor. respectively. Reich & Tang Distributors Inc. is a membaNASD. IRA Accounts Accounts where the Bank serves as trusose or as discretionary investment manager for an ER1SA plan or an IRA that hold Fiduciary Shares (as described Mow) do not bear am portion of unainiatt. administrative. custodian or other charges paid to the Bank or its affiliates for saner to the applicable JPMorgan Funds since these charges are subject to rebate as defined Mow. For accounts where the Bank saves as uusta, or dikretionary investment manager for an FRIBA 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 but waives account fees with respect to the funds so held. Fiduciary. Shares are shares in the Select Shares class of JPMorgan Fax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan Tax Aware US Equity Fund, JPMormui Tax Aware Large Cap Growth Fund. JPMorgan Mid Cap Equity Fund. JPMorgan Trust Small Cap Equity Fund. JPMorgan Fleming International Equity Fund. JPMorgan Short Tam Bond Fund II, JPMorgan 13ond Fund II, JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware ShorbIntermoJiate Income Fund, JPMorgan Intermediate Tax-Free Income rind. JPMorgan Tax-Free Income Fund. JI'Morgan California Bond Fund, JPMorgan NY Intermediatetax Free Income Fund and JPMorgan NJ Tax Free Income Fund held in the Baits 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 white amount represents the portion of servicing fees paid to the Bank by the muted fund with respect to Fiduciary Shares Confidential Treatment Requested by JPM-SDNY-00009542 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278740 EFTA01487978