EFTA01497106.pdf

January 01, 2005 - NES, LLC January 31,2005 Primary Account Number. JPMorgan Private Bank Page 6 of 18 Important Information about Your Statement Personal accotarts are subiat to the Deposit Accounts Agreement or the General Terms For Accounts and Savices. Badness accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services. Your accounts. unless Ohtani: radicals-a on the blab:nu:atm held by JPMorgan Chase Bank. N.A. (the "Bank"). 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 onM Telephone or write to the Bank if you think your statement or receipt is wrong. or if you need more automation about an electronic transaction on a state ual or receipt. The phone number for inquiries is printed on the front of this gateman 11w address for inquiries appears below. We must hair fmm you no later than 60 days after we sent you the FIRST mammal 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 ermr or the transfer you an: unsure about. JI'Morgan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road. UCIPS3 error or why you iced mote information. Newark. DIE 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 outside the U.S. and poinbof-sale transactions), we will recrcdit your account for the amount you think is in error 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 an error has taken place or have questions concerning a nonalectrome transaction. telephone or mite us within 30 clays. The phone number is printed on the front of this statanent. The address appears above. If no report is received within this period, your account will be considered correct. Mutual Funds/SecurlUes Securities (including Mutual Funds) and annuities are not hank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Clime Bank. N.A. or its affiliates or any federal or state government or government agency or government sponsored agency. Securities (including mutual funds) and annuities ins eke investment risks, including the possible loss of the principal amount Invested. The distributor 01' the WMorgan Funds is J.P. Morgan Funds Distnbutor, Inc. which is not affiliated with the Bank. 11w Bank and its affiliates receive compensation from the JPItIorg.an Funds for providing services to the funds. Read the JI'Morgan Funds prosixxuarric.arefully for derails including fees and expenes, 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 Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asps Managranent L.P.. which are unaffiliated with JPMorgan. are the funds' distributors and investment advisor. respectively. Reich & Tang Distributors Inc. is a membaNAS1). IRA Accounts Accounts where the Bank serves as Maw or as disactionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described Mow) do not bur am portion of uriannatt. administrative. custodian or other charges paid to the Bank or its affiliates for services to the applicable JPMorgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as matte, or discretionary immanent manager for an ERISA plan or an IRA. which hold shares in the JPMorgan Funds other than Fiduciary. Sham, the Bar& receives fees for sat, front the JPMorgan Funds but waives account fees with inspect to the funds so held. Fiduciary Shares are shares in the Select Shares class of 'Morgan Fax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan 'fax Aware US Equity Fund. JPMorgan Tax Aware Large Cap Growth Fund. JPMorgan Mid Cap Equity Fund. JPMorgan Trust Small Cap Equity Fund. JPMorgan Fleming International Equity Fund, JPMorgan Short Tam Bond Fund II, JPMorgan 13ond Fund II, 1PMorgrui Tax Aware Enhanced Income Fund, 1PMorgan Tax Aware Shrt•IntermaJiate Income Fund, JPMorgan Intermediate Tax-Free Income nod. JPMorgan Tax-Free Income Fund. JPMorgan California Bond Fund. JPNIorgan NY IntermediateTax Free Income Fund and JPMorgan 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 means an amount returned b• the Bank to tlw account which holds the Fiduciary Shares. The rebate amount represaas the portion of writing flex paid to the Bank by the muttud fund with respect to Fiduciary Shares Confidential Treatment Requested by JPM-SDNY-00020524 JPMorgan Chase CONFIDENTIAL SDNY_GM_00289722 EFTA01497106