EFTA01482488.pdf

April 01,2004 - Jeffrey E Epstein April 30,2004 Primary Account Number: JPMorgan Private Bank Page 9 of 9 Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tams 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 HNC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts only! Telephone or ante to the. Bank if you think your salaam( or receipt is wrong. or H you need more mionnation about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this statement. The address for inquirim appears below. We must hear from you no later than 60 days atta we sent you the FutsT statement on which the error or probhm appeared. • Tell us your name and account numbs. Plata direct all inquiries to your Mogan Acosta( Officer at • lkscribe the error or the transfer you arc unsure ahoul, 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 amount of the suspected arm. 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 (1.5. and roinbof-sale transactions), we will nxredit 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 nonselectrome 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 Rinds/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, 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. The distributor of the JPMorgan Funds is JPMorgan Fund Distributors, Inc. which is not affiliated with the Bank. Ile Bank and its affiliates salve compensation from the JPIslorgtm Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and impalas, before investing or tending money. JPMorgan Select Shams of the Connecticut Daily Tag 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 Retch it 'fang Asset Management L.P., which are unalliliatal with JPMorgan, are the fund? distributors and investment advisor. Reich R Tang Distributors Inc. is a member NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Ftuid Distributors. Inc. a subsidiars of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank 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 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 arc subject to rebate as dermal below. For accounts of the Bank as trustee, or discretionari investment manager for an ERNA plan or an IRA. which hold shams 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 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, JR./Forma Intermediate Bond Fund II. and JPMagan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment management accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount Yuma' by the Bank to the account which holds the Fiducitny Shares The mate remount represents the portion of servicing fins paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPM-SDNY-00003627 JPMorgan Chase CONFIDENTIAL SDNY_GM_00272825 EFTA01482488