EFTA01503338.pdf

July 31,2004 - ZORRO TRUST August 31, 2004 Primary Account Number. JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tenns For Accounts and Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13ratk"). 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 Fonds Transfers (personal accounts only! Telephone or wine to the. Bank if you think your stamen( or receipt is strong. or 11 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 inquirke appears below. We must hear from you no later than 60 days after we sent you the rattsT statemcnt on which the error or problem appeared. • Tell us your name and account mantas. Plisse direct all inquiries to your Morgan Acetate( Office at • Describe the mar or the namsfa you arc unsure ahead, JPMorgan Private Bank Client Service and explain as clearly as you can %shy 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 amount of the suspected cum. We will investigate your complaint and will correct any error pomptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.5. and roint-o(-sale transactions), we will exredit your account for the amount you think is in emir so that you will have use of the RIOMY dunag the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account al once. If you feel an error has taken place or have questions concerning a nowelectronic transaction. telephone or write us within 30 days. The phone number is printed on the front of this statement The address appears above. lino report is received within this period. your account will be considered correct Mutual blinds/Securities Securities (including Mutual Funds) and annuities are not bank deposits and are not FDIC insured nor are they obligations of or guaranteed br JPMorgan Chase Bank, or its affiliates or any federal or state government or government agency or government sponsored agency. Securities (including mutual funds) and annuities involve investment risks, including the possible loss of the principal amount Invested. Te distributor of the JPMorgan Funds is JPMorgan Fund Distributors, Inc. which is not affiliated with the Bank. Ile Bank and its affiliates !octave compensation from the JPMorgai Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and imputes, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the JPIslorgan Family of Mutual Funds. Reich et Tang Distributors Inc. and Reich R Tang Asset Management L.P., which are unaffiliated with JPMorgan, are the find? distributors and investman advisor. Reich & Tang Distributors Inc. is a menhir NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Ftuid Distributors. Inc. a subsidiary of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, or as discretionary investment manager for an FRISA plan or an IRA that hold Fiduciary Shares (as described below) do not bear any portion of investman administrative, custodian or other charges paid to the Bank or its affiliates for services to JPMorgan Funds for which a rebate process has been established since these charges are subject to rebate as defunct below. For accounts of the Bank as trustee, or discretionmy investment manager for an ERNA 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 foes with respect to the finds so held. "fiduciary Shams" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managunent 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 Shares The rebate amount represents the portion of servicing fes..s paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPM-SDNY-00027946 JPMorgan Chase CONFIDENTIAL SDNY_GM_00297144 EFTA01503338