EFTA01524209.pdf

February 28, 200-I - Ghisiaine Maxwell March 31,2004 Primary Account Number JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accounts and Services. liminess accounts are subject to the Tams and Conditions for Commercial Accounts or the General Trims For Accounts and Services Your accounts. unless othrismse indica-lion the btatement. are held by JPMorgan Chase Bank (the -Banke). Deposit accounts held at the Bank, including checking, savings, CD, and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts et) Telephone or wine to the Bank if you think your statement or receipt is wrong. or if you need more intimation about an electronic transaction on a thainnent or receipt. The phone number for inquiries is printed on the front of this statement. The address for inquiries appears below. We must hair fmm you no later than 60 days aria we sent you the FIRST internal 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 error or the transfix you are unsure about. JI'Morgan Private Bank Client Service and explain ascii:arty as you can why you believe it is an 500 Stanton Christiana Road. I iOPS3 cam or why you iced mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the suspected error. 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 point-of-sale tran.sactions), we will recredit your account for the amount you think is in arm so that you will have use of the money during the time it takes us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at once. If you feel at error has taken place or have questions concerning a nonelectronic transaction. telephone or write us within 30 days. The phone number is printed on the front of this statsment. The address appears above. If no report is received within this period, your account will be considered correct. Mutual Funds/Securities Securities (including Mutual Funds) and annuities are not hank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank or its affiliate, or any federal or state gm erom en t or got ernment 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 affiliatial with the Bank. The Bank and its affiliates receive compensation from the WMor•an Funds for ixoviihng savices to the funds. Read the JI'Morgan Funds prospectuses carefully for details, including fors and expanses, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income Fund, Inc are not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with JI'Morgieat are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manila NASD. The Bath is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a manila of NASIYSIPC. IRA Accounts Accounts of the Bank as trumee, or ns discretionary bwestment manager for an ER1SA 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 'Morgan Funds for which a rebate process has berm established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or dimetionary investment manager for an ERISA plan or an IRA. which hold AWICS in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for sen•ices (torn the JPMorgan Funds but waives account fees with respect to the funds so held. "fiduciary Shares' means shams of JP/slorgati Select Funds and Institutional Shams of the JI'Magan Bond Fund II. JPMorgan Short-Term Bond Fund JPMorgan Intermediate Bond Fund II. and NMorgan Large Cap Equity Fund held in Bank bunt 8CCOUMS or in discretionary investment managinnent accomus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Shama. The rebate anoint mimeses the potion of servicing fey paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00051994 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321192 EFTA01524209