EFTA01496706.pdf

October 01, 2003 - I NES, LLC October 11,2003 Primary Account Nano O JPMorgan Private Bank Page 7 of 22 Important Information about Your Statement Personal Iranians are subject to the Deposit Accounts Agrcement or the General Terms For Accotmts and Services. liminess accounts are subject to the Tams and Conditions for Commercial Accounts or the (imam' Tams For Accounts and Services Your accounts. unless otherwise indicated on the Statemen t. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts on01 Telephone or write to the Bank if you think your statement or receipt is wrung. or if you need more 'intimation about an electronic transaction on a statement or maim. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days after we tit 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 transfer you are unsure about. JI'Morgan Private Nand: 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 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.sactionfi, we will reeredit your account for the amount you think is in error so that you will have use of the money during the time it Takla 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 que9tons concerning a noneleetteme transaction. telephone or write us within 30 days. The phone number is printed on the front of this statement. 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 Claw Bank or its affiliates or any federal or state gm ernm en t or gin 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 1PMorgan Fund Distributors, Inc. which is not affiliated with the Bank. The Bank and its affiliates receivecompensation from the WhItapan funds for providing services to the funds. Read thelPhdorgan Funds prowatusinc.arefully for details, including fees and ex-panes before investing or scaling money. 1PMorgan 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 1PMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with 1I'Morgat are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manila NASD. The Bath is not a registered broker-Jailer. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Balk, is a member of NASIRSIPC. IRA Accounts Accounts of the Bank as mace, or as discretionary invest meet manager for an EIUSA 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 beam established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or dimetionao II/WAR/CM manager for an ERMA plan or an IRA. winch hold Ala/CS in the 'Mown Funds other than Fiduciary Shares, the Bank receives fees for services front the JPMorgan Funds but waives account fists with respect to the funds so held. 'fiduciary Shares' means shares of Whlorgan Select Funds and Institutional Sham of the JPMorgan Bond Fund II. 'Morgan Short-Tam Bond Fund 1PMorgan Intermediate Bond Fund II. and Worsen Large Cap Equity Fund held in Bank bust aCCOUMS or in discretionary investment manag•nnent accoaus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiducialy Sham. The rebate amount mime:its the potion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00020103 JPMorgan Chase CONFIDENTIAL SDNY_GM_00289301 EFTA01496706