EFTA01514105.pdf

February- 01,2006 - NEW YORK STRATEGY GROUP, LLC Febnary 28,2006 JPMorgan 0 Primary. Account Number Bank Private Page 6 of 6 Important Information about Your Statement Accounts arc subject to the °maid Terms For Accounts and Services and applicable appendices and account agreements. Your accounts. unless otherwise indicated on the statement, 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 Mural. In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts only) Ichtplame or write to the Bank d you think your statement or receipt is wrong. or if you neat more mlormation about an electronic transaction on a statement or map. The phone number for inquiries is pruned on the front of this statonent The address for inquiries appairs below. We must hair from you no Inter than 60 days aria we sent you the FIRST statement on which the error or problem appealed • Tell us your name and account number. Please direct all inquiries to your Morgan Account Officer at • Describe the erns or the transfer you are unsure about. JPMorgan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Rood, I/OPS3 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 outside the U.S. and paint-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 us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers liaise inanity your account at once. If you feel an error has taken place or have questions concerning a non-electronic transaction, tclqthone or write us within in days The phone number is printed on the front of this staientent. 'the address appears above. If no imam is received within this period, your account will be considered correct. Mutual Finds/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 its affiliates or any federal or state government or government agency or goi ernment sponsored agency. Securities (including mutual funds) and annuities int ols e investment risks, including the possible loss of the principal amount Invested. The distributor of the IPMorgan Funds is JPMorgan Distribution Setviccs. Inc.. which is an affiliate 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 tom and expenm before investing or sending money. JI'Mothan Select Shares of the Connecticut Daily Tax Free Income Fund, Inc. and B./Morgan 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 & Tang Aura Management L.P., which are unaffiliated with JPMorgan, arc the funds' distributors and investment advisor, respectively. Reich & 'fang Distributors Inc. is a manlier NASD. IRA Accounts Accounts where the Bank serves as mstee or as &sachem,' investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as desenbel below ) do not bear any portion of investment, administrative, custodian 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 dimmtiomuy investment ma age for an ERISA plan or an IRA, which hold tires in the JPMorgan Funds other than Fiduciary Shares, the Bank moves fees for serviced from the JPMorgan Funds but warm account fees with respect to the funds so held. Fiduciary Sharm are shares in the Select Shares class of JPMorgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund. JPMorgan Tax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund, JI'Morgan Mid Cap Equity Fund. JPMorgan mist Small Cap Equity Fund, 'Morgan Fleming Intonational Equity Fund. IPMorgari Short Tam Bond Fund II, JPMorgan Bond Fund 11, JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Short-Iniermodiath Income Fruit JPMorgan Intermediate Tax-Free Income Fund, JI'Morgim 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 Ranks trust accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate moms an amount returned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents the portion of servicing foes paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00040261 JPMorgan Chase CONFIDENTIAL SDNY_GM_00309459 EFTA01514105