EFTA01487227.pdf

December 30, 2006 - AIR ONISIAINE INC January 31,2007 JPMorgan 0 Priinan Account Number Bank Private Page 3 of 3 Important Information about Your Statement Accounts arc subject to the Gnaw! Terms For Accounts and Services and applicable appendices and account agreements. Your accounts. unlms otherwise usheated on the statement, are held by JPMorgan Chase Bank, N.A. (the *Bank- J 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 (nemonal accounts only) Iclephone or write to the Bank d you think your statement or receipt is wrong, or if you need more marmation about an electronic transaction on a statanent or nxtrige the phone number for inquiries is pruned on the front of this statonent The addicts for inquiries appars below. We must hair from you no later then 60 days after we sent you the FIRST statement on which the error or problem appealed • 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. JPMorgan Private Bank Client Service and ewlain as clearly as you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 error 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 point-of-We 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 Please examine your account at once. If you feel an error has taken place or have questions concerning a nonelectronic transaction, telqthone or write us within in days The phone number is printed on the front of Nis statement. The address appears above. lino man is received within this period, your account will be considered correct. Mutual Finds/Securities 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 goi ernment sponsored agency. Securities (including mutual funds) and annuities int ols e ins estment risks, including the possible loss of the principal amount Invested. The distributor of the IPMorgan Funds is JPMorgan Distribution Saviccs. Inc.. which is an affiliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receive compensation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including tom and expetam. 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 & Tang Amet Management L.P., which are unaffiliated with JPMorgan, are the funds' distributors and investment advisor, respectively. Reich & 'Fang Distributors Inc. is a member NASD. IRA Accounts Accounts where the Bank serves as trustee or as discretionary 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 JPMorgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as Uustee, or dimmtionary investment managa for an ERISA plan or an IRA, which hold share's in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for saticci from the JPMorgan Funds but waists 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. JI'Morgan Mid Cap Equip, Fund. JPMorgan trust Small Cap Equity 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 Shan-Intermediate Income Fund, JPMorgan Intermediate Tax-Free Income Fund, JI'Morgrm lx -Fm Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax hoe Income Fund and 'Morgan NJ Tax Free Income Fund held in the Rank's trust accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate mains an amount returned by the Bank to the account which holds the Fiduciary Shares. 'Ilse rebate amount represents the portion of servicing It paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00008775 JPMorgan Chase CONFIDENTIAL SDNY_GM_00277973 EFTA01487227