EFTA01487222.pdf

November DI, 2006- I AIR GHISI.JAINE INC November 30.2006 JPMorgan 0 l'rimary Account Number Bank Private Page 3 of 3 Important Information about Your Statement Accounts arc subject to the Galant Terms For Accounts and Services and applicable appendices and account anus:malts. Your accounts. unless otherwise indicated on the statement, are held by JPMorgan Chase Bank, N.A. Mellott' f Deposit accounts held at the Bank. including checking. savings, CD, and money market accounts, are FDIC instant In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts only) leleplame or write to the Bank d you think your statement or receipt is wrong, or if you neat more mlonnation about an electronic transaction on a statanent or ruin. The phone number for inquiries is printol on the front of this statanent The oldie% for inquiries appears below. We must hair from you no Inter than 60 days after 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 error or the transfer you are unsure about. JPMorgan Private Bank Client Service and explain as clauly 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 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 owside 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 Errors or Questions About Non Electronic Transfers ?tease exanine your account at once. If you fuel an error has taken place or have questions concerning a nonelixtrome transaction, telephone or write us within in days The phone number is printed on the front of Nis statement. 'Ile address appears above. lino raison is received within this period, your account will be considered Correa Mutual Rinds/Securitles 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 goicmment sponsored agency. Securities (including mutual funds) and annuities int oh e ins estment risks, including the possible loss of the principal amount Invested. The distributor of the IPMorgan Funds is JPMorgan Distribution Services. 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 awfully for details, including tom and expensia 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 laity 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 Azet Management L.P., which are unaffiliated with JPMorgan, are the Tunis' 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 descnbed 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 size these charges are subject to rebate as defined below. For accounts where the Bank serves as trustee, or dimmtionary investment manager for an ERISA plan or an IRA, which hold shares in the JPMorgan Funds other than Fiducimy Shares, the Bank receives fees for SiatiCei from the IPMorgan 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 1 rust Small Cap Equity Fund, 'Morgan Fleming Intonational Equity Fund. IPMorgim Short Term Bond Fund II, JPMorgan Bond Fund II. JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Shan-Intermediate Income Fund, JI'Morgan Imennediate TaN-Free Income Fund, JI'Morgrm Tax-Fm Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income fund and 'Morgan NJ Tax Free Income Fund held in the Bank's trust accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate moms im amount returned by the Bank to the account which holds the Fiduciary Shares. 'the rebate amount represents the portion of servicing It paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00008769 JPMorgan Chase CONFIDENTIAL SDNY_GM_00277967 EFTA01487222