EFTA01524206.pdf

February 28,2004- i Ohislalne Maxwell March 31,2004 Primary Account NunattiME JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Tenns For Accounts ;tad Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Tarns For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13ratk"). Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or Mt to the Bunk if you think your stamen( or receipt is wrong. or at you need more inhumation about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this statement. The address for inquirita appears below. We must hear from you no later than 60 days after we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account numbs. Plats: direct all inquiries to your Morgan Actual( Offica at •IRscribe the mar or the transfer you arc unsure ghoul, JPMorgan Private Bank Client Service and explain ors clearly as you can why you believe at 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 SLCMCCMLI 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 (1.S. and roinbof-sale transactions), we will nxredit your account for the amount you think is in error so that you will have use of the money during the tune it takes us to complete our investigation In Case of Erron 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. telephone or write us within 30 days. The phone number is primed on the front of this statement. The address appears above. lino report is received within this period. your account will be considered correct. Mutual Rinds/Securities Securities (including Mutual hinds) and annuities are not bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, or its affiliates or any federal or state government or government agency or government sponsored agency. Securities (including mutual fund') and annuities involve investment risks, including the possible loss of the principal amount Invested. The distributor of the JPMorgan Funds is JPMorgan Fund Distributors, Inc. which is not affiliated with the Bank. Ile Bank and its affiliates receive compensation from the JThforgtm Funds for providing services to the finals. Read the ;Morgan Funds prospectuses carefully for details. including fees and ammonia, before investing or mending money. JPMorgan Select Shoats of the Connecticut Daily Tat Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the ffitsiorgan Family of Mutual Funds. Reich et Tang Distributors Inc. and Reach R Tang Asset Management L.P., which are unaffiliated with JPMorgan. are the fund? distributors and investment advisor. Reich & Tang Distributors Inc. is a maybe-NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Rind Distributors. Inc. a subsidiars of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described below) do not bear any portion of investment. athninistrative, custodian or other charges paid to the Bank or its affiliates for services to JPMorgan Funds for which a rebate process has been established since these charges arc subject to rebate as delmul below. For accounts of the Bank as trustee, or discretionary investment manager for an ERISA plan or an IRA. which hold shwts in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fax with respect to the fiends so held. "fiduciary Shams" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, Jl'Morgan Short-Term Bond Fund IL JPMorgan Intamediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managunent accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount rename' by the Bank to the account which holds the Fiduciwy Shares The rebate amount represents the portion of servicing fats paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPM-SDNY-00051991 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321189 EFTA01524206