EFTA01487235.pdf

March 31,2007 - AIR OHISLAINE INC April 30,2007 JPMorgan 0 Primary Account Rumba Bank Private Page 3 of 3 Important Information about Your Statement Accounts arc subject to the General Tams For Accounts and Services and applicable appendices and account agreements. Your accounts. unless otherwise indicated on the statement, are 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 instant. In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts only) telephoneor urge to the Bank d you think your statement or receipt is wrong, or if you nail more intormation about an electronic transaction on a statanent or map. The phone number for inquiries is 'manta on the front of this statonent The Metre% for inquiries amain below. We mint hair from you no Inter then 60 days atler we sent you the FIRST statement on which the error or problem appeared • Tell us your name and account number. Please direct all inquums to your Morgan Accomt Meer at • Describe the erns or the transfix you are unsure about JPMorgan Private Bank Client Ss-nice and ccplain as clauty as you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 nor or why you need more information. Newark, DE 19713-2107 • Tell us the dollar amount of the suspected cot 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 paint-of-mle transactions). we will recredit your account for the amount you think is in error so that you will have me of the money during the time it takes us to complete our investigation. hi Case of Errors or Questions About Non Electronic Transfers Flame exanunc your account at once. If you feel an error has taken place or have questions concerning a non-electronic transaction, telephone or write us within Ni days The phone number is printed on the front of this galivant. The address appears above. lino man 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 an they obligations of or guaranteed by JPMorgan Chase Bank, N.A. or its affiliates or any federal or state government or government agency or got emment sponsored agency. Securities (including mutual funds) and annuities int oh e investment risks, including the possible loss of the principal amount Invested. The distributor of the IPMorgan Funds is JPMorgan Distribution Savices. Inc.. which is an affiliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receive companation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses awfully for details, including thin and expenaa 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 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 & Tung Asa Management L.P., 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 discretionary investment ma nags for an ERISA 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 the applicable JPMorgan Funds since 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 services from the JPMorgan Funds but waives account fees with respect to the funds so held. Fiduciary Sharth arc 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 Emits Fund. JPMorgan Trust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. IPMorgtm Short Tam Bond Fund II, JPMorgan Bond Fund II. JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Short-Intermodiam Income Fund, JI'Morgan Intermediate Tax-Free Income Fund, JI'Morgem 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 Banks trust accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate means an 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 Barth by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00008784 JPMorgan Chase CONFIDENTIAL SDNY_GM_00277982 EFTA01487235