EFTA01524267.pdf

July 01,2005 - Ghlslaine Maxwell July 29,2005 Primary Account Nina CPJPMorgan Private Bank Page 4 of 4 Important Information about Your Statement Accounts are subject to the Cie oral Terms For Accounts and Services and applicable appendices and account agnximmb Your accoiuus. unto“ otherwse indic.atedon the statement. are held by JPMorgat Chase Bank NA. (the 'Bank"). Deposit recounts held at the Bank, including choking, savings, CD, and MOM, market accounts, are FDIC insunxl. In Case of Erron or Questions About Your Electronic Funds Transfers (personal accounts mill Telephone or write to the Bank if you think your statement or mop is %TON. Of if you need more mormation about an electronic transaction on a statetnent or receipt. The phone number for inquiries is pirated on the front of this statement. The address for inquiries appears below. We must hen front you no later than 60 days after we sent you the FIRST eatement on which the error or problem appeared. • Tell us vow name and account numbs. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the transfer you are unswe about. JPMorgait Private Bank Chart Service and explain as clearly os you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 error or why you need more information Newark. DE 19713-210T • 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 bwinew days to do this (20 busineni days for transactions outside the U.S and point-of-sale transactions), we will recralit your account for the amount you think is in arm so that you will have use of the money during the lime it takes us to complete our investigation. to Caw 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 non-electronic transaction, telephone or write us within 30 days. The phone number is printed on the lions of this statement. The address appears above. If no report is received within this period. your account will be considered correct. Mutual Funds/Securities Sean-ides (including Mutual Funds) and annuities are not hank deposits and arc not FDIC insured nor arc they obligations of or guaranteed by JPMorgan Chase 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 involve investment risks. including the possible loss of the principal amount invested. distributor of the JPMorgan Funds is JPMorgan Distribution Sersices, Inc.. which is an affiliate of JPMorgan Chase Bank, N.A.. JPMorgan Chase Bank. N.A., end its affiliates receive compensation from -Tailors= Funds for providing services. Read the JPMorgan Funds prospectuses carefully for details. including fees and expenses, before investing or :ending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund, Inc and JPMorgan Select Shares of the New Jersey Daily Municiped Income Fund. Inc. are not part of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P., which arc unaffiliated with JPIsiorgan, arc the funds distributors and investment advisor, respectively. Reich Et Tang Distributors Inc. is a monde NASD. IRA Accounts Accounts where the Bank serves ris trustee or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described below) do not tear am 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 saves as trustee, or dixrdasnary investment manager for an ERISA plan or an IRA, which hold shares in the JPMorvnt Funds other than Fiduciary Shares the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so held. Fiduciary Shares are shares in the Select Shares class of JPMorgan Tax Aware Large Cup Value Fund, JPMorgan US Equity Fund, JPMorgan Tax Aware US Equity Fund, JPMorgan Fax Aware large Cap Growth Fund, JPMorgan Mid Cap Equity Fund, 'Morgan Trust Small Cap Equity Fund, JI'Morgrm Fleming International Equity Fund. JPMorgan Short Tam Bond Fund II. JPMorgan Bond Fund II. JPMorgan Tax Aware Enhanced Income Fund. JI'Morgim 'Fax Aware ShorkIntennaliate Income Fund, JI'Morgan Intermediate Tax-Erw Income Fund, ll'hiorgim Taxtria: Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax Free Income Fund held in the Bunts trust accounts or in the Bank's investment inanagancit accounts for ERISA plans or IRAs. "Rebate means an amount retuned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents thc portion of servicing fees paid to the Bank M. the mutual fund with 'wpm( to Fiduciary. Shares. Confidential Treatment Requested by JPM-SDNY-00052057 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321255 EFTA01524267