EFTA01514136.pdf

November 01, 2(306 - I NEW YORK STRATEGY GROUP, (SC November 30.2006 JPMorgan 0 Primary Account Number Bank Private Page 5 of 5 Important Information about Your Statement Accounts are subject to the General Terms For Accounts and Services and applicable appendices and account agreements. Your accounts. unlms otherwise indicated on the statement, are held by JPMorgan Chase Bank, N.A. (the 'Bank' Deposit accounts held at the Bank. including choking, 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 urge to the Bank d you think your statement or receipt is wrong, or if you neat more mionnation about an electronic transaction on a statanent or mart 1be phone number for inquiries is pmittal on the front of this statement The talthem for inquiries appairs below. We must hair from you no Inter than 60 days atler we sent you the FIRST statement on which the error or problem appealed • Tell is your name and account number. Please direct all inquiries to your Morgan Account Meer at • Describe the erns or the transfer you are unsure about. JPMorgan Private Bank Client Service and captain as clairly as you can why you believe it is an 500 Stanton Christiana Road, PORS3 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 corona any nor promptly. If we take more than 10 business days to do this (20 business days for transactions outside the U.S. and point-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 Flame exanunc your account at once. If you fail an error has taken place or have questions concerning a non-electronic transaction, telephone or write us within in days The phone number is printed on the front of this statement. "Ile address appears above. lino nspon is received within this period, your account will be considered correct. 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 go•crnment 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 IPMoritan Funds is JPMorgan Distribution Setvices. Inc.. which is an affiliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receive compen.sation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including tom and expeuwa 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 part of. or affiliated with, the JPMorgan Family of Mulual Funds. Reich & Tang Distributors Inc. and Reich & Tang Amet 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 &sachem,' 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 JI'Morgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as trustee. or dimmtionary investment managa for an ERISA plan or an IRA, which hold shares in the JPMorgan Funds other than Fiduciary Shares, the Bank naives foes for Kati from the JPMorgan Funds but misses 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. JPMorgan Mid Cap Equip Fund. JPMorgan 7 rust Small Cap hputy Fund, 'Morgan Fleming International Equity Fund. JPMorgan Short Tam Bond Fund II, JPMorgan Bond Fund II. JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Shari-Intermediate Income Ruid, JPMorgan Immediate Tax-Free Income Fund, JI'Morgim Tax-Fm Income Fund, WMorgan California Bond Fund. JPMorgan NY Intermediate Tax Fare Income Fund and 'Morgan NJ Tax Free Income Fund held in the Banks trust accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate means rut amount returned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents the portion of servicing IM paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00040312 JPMorgan Chase CONFIDENTIAL SDNY_GM_00309510 EFTA01514136