EFTA01514111.pdf

March 01, 2006 - i NEW YORK STRATEGY GROUP, (SC JPMorgan 0 March 31,2006 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 hank-) Deposit accounts held at the Bank. including checking. savings, CD, and money market accounts, are FDIC it In Case of Errors or Questions About Your Electronic Rinds Transfers (personal accounts only) telephoneor write to the Bank d you think your statement or receipt is wrong, or if you nail more inlonnation about an electronic transaction on a statanent or nxeiga. The phone number for inquiries is pnintal on the front of this stattanent The °Mem for inquiries appairs below. We must hair from you no Inter then 60 days atter we sent you the FIRST statement 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 erns or the transfer you are unsure about. JPMorgan Private Bank Client Sen'ice and ewlain as clauly as you can why you believe it is an 500 Stanton Christiana Road, VORS3 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. Case of Errors or Questions About Non Electronic Transfers Flame exanunc your account at once. If you feel an error has taken place or have questions concerning a nonelectronic transaction, telephone or write us within MI days The phone number is printed on the front at this statement. The address appears above. lino repan 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 gmcrony:of sponsored agency. Securities (including mutual funds) and annuities ins oh e ins estment risks, including the possible loss of the principal amount Invested. The distributor of the IPMortran Funds is JPMorgan Distribution Setviccs. Inc.. which ism affiliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receivecompensation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including tom and exp.:nua before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund, Inc. and JI'Morgan Select Shares of the New Jersey Daily Municipal Income Fund, Inc. are not part of. or affiliated with, the JPMorgan Family of Mulual Funds. Reich & Tang Distributors Inc. and Reich & Tang Autet Management LP, which are unaffiliated with JPMorgan, arc the funds' distributors and investment 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 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 the applicable JPMorgan Funds since these charges are subject to rebate as defined below. For accounts where die Bank serves as trustee. or dimmtionary investment managa for an ERISA plan or an IRA, which hold shares in the JPMorgan Funds other than Fiducimy Shares, the Bank naives foes for Siati from the JPMorgan Funds but waives account fees with respect to the funds so held. Fiduciary Sharth 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. JPMorgan Mid Cap Equip Fund. JPMorgan Trust Small Cap Ethuty Fund, 'Morgan Fleming International Equity Fund. IPMorgtm Short Tam Bond Fund II, JPMorgan Bond Fund 11, JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Shan-Intermediate Income Rind, JPMorgan Intermediate Tax-Free Income Fund, JPMorgan Tax-Fm Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Fax Income Fund 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 fees paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00040267 JPMorgan Chase CONFIDENTIAL SDNY_GM_00309465 EFTA01514111