EFTA01487972.pdf

October 30,2004 - EPSTEIN INTERESTS Novemba 30,2004 Primary Account Number JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Tams For Accounts ;tad Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts Of the General Terms For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank. NA. (the "Bank") Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Ponds Transfers (personal accounts onll Telephone or ante to the Bank if you dunk your state ant or receipt is wrong. or It you need more mionnation about an electronic transaction on a statement or receipt. The phone number for inquiries is printed on the front of this statement. The address for inquiria appears below. We must hear from you no later than 60 days after we sent you the FutsT statement on which the error or problem appeared. • Tell us sour name and account numba. Planar direct all inquiries to your Morgan Account Officer at •13escribe the mar or the transfer sou arc UM= AEOLIC JPMorgan Private Bank Client Service and explain as clearly as 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 mount of the SILSOCCOXI MOT. We will investigate sour complaint and will correct any error promptly If we take more than 10 business days to do this (20 business days for trnnortions outside the U.S. and point-of-sale transactions), we will recredit your account for the amount you think is in error so that you will have use of the money dunag the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account at once if you feel an error has taken place or have questions concerning a non-electronic transaction. telephone nr write us within 10 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 "ill be considered correct. Mutual FUnds/Securitlet Securities (including Mutual Funds) and annuities are not bank deposits and are not FDIC insured nor are then obligations of or guaranteed by JPMorgan Chase Bank, N.A. or its affiliates or any federal or state go. ernment or government agents or government sponsored agency. Securities (including mutual funds) and annuities invoke inseament risks, Including the possible loss of the principal amount Invested. The distributor of the Jiltiorgan Funds is J.P. Morgan Funds Distributor. Inc. which is not affiliated with the Bank. the Bank and its affiliates receive compensation from the JPMorgan Funds for providing services to the funds. Rand the ;Morgan Funds prospixtuses carefully for details including fees and (reponse:, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and Altiorgan Select Shams of the New Jersey Daily Municipal Income Fund, Inc. arc not part of, or affiliated with. the JiMorgan Family of Mutual Ironic Reich & 'Fang Distributors Inc. and Reach & 'fang Asset Management L.P.. which are unaffiliated with A:Morgan. an: the funk distributors and ilIVCAMtI0 advisor. respectively. Reich & Tang Distributors Inc is a member NASD. IRA Accounts Accounts where the Bank serves as trustee or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shams (as described below)do not bear airy portion of investment. administrative.cuilodian or other charges paid to the Bank or its affiliates for services to the applicable JPtiforgan Funds since these charges arc subject to rebate as darned blow. For accounts where the Bank acmes as trustee, or diaartionary rove:anent manager for an 11RISA plan or an IRA. which hold shares in the JPMorgan Funds other limn Fiduciary Shares, the Bank receives fees for services from the WMorsum Funds but waives account fees with respect to the funds so held Fiduciary Shares are shares in the Select Shams class of 'Morgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan Tax Aware US Equity Fund, JPMorgan Tax Aware Lane Cap Growth Fund, AIMorgam Mid Cap FAO. Fund. JPMorganmist Small Cap Equity Fund.111Morgan Fleming International Equity Fund. JI'Morgan Short Tenn Bond Fund II, ;Morgan Bond Fund II, 'Mown Tax Aware Enhanced Income Fund, JI'Morgan Tax Aware Shod-Intermediate Income Fund, JI'Morgan Intermediate Tax-Free Income Fund, JI'Morgan Tax-Free Income Fund JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax Free Income Fund held in the Bank's mist 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 firs paid to the Bank by the mutual fund with respect to Fiduciary Shires. Confidential Treatment Requested by JPM-SDNY-00009536 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278734 EFTA01487972