EFTA01482585.pdf

March 01,2005 - Jeffrey E Epstein March 31,2005 Primary Account Number °JPMorgan Private Bank Page 9 of 9 Important Information about Your Statement Accounts are subject to the General Terms For Accounts and Services and applicable appendices and account agreements. Your accounts. unless otherwise indicated on the statement, are held by JPMorgan Chase Bath, N.A. (the *Bank' ) Deposit :lemma held at the Bank. including checking, savings, CD, and money market accounts, are FDIC insured In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts only) lets:phoneor urge to the Bank J you Dunk your statement or receipt is wrong, or if you newt more intormatron about an electronic transaction on a statanent or mein. The phone number for inquiries is printed on the front of this statement. The Mitre% for inquiries appears below. We must hair from you no Inter than 60 days after we sent you the FIRST statement 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 erns or the transfer you are unsure about. JPMorgan Private Bank Client Service and explain as eternity as you can wan 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 mot We will investigate your complaint and will cornxt 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-mle 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 tune it takes its to complete ow investigation. In Case of Erron or Questions About Non Electronic Transfers liaise examine your account at once. It you feel an error has taken place or have questions concerning a non-elixtrome transaction, telephone or write us within UI days. The phone numba is printed on the front of Nis statement. The address appears above. lino taxa is received within this period. your account will be considered Correa Mutual Rinds/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 gammon sponsored agency Securities (including mutual funds) and annuities in% ob e investment risks. including the possible loss of the principal amount invested. The distributor of the IPMorgan Funds is JI'Morgan Distribution Seniors Inc.. which is an atEliate of JPMorgan Chase Bank. N.A.. JI'Morgan Chase Bank, N.A.. and its affiliates receive compensation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including fey and expenswa before investing w sending money. JI'Morgan 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 Monad Funds. Reich & Tang Distributors Inc. and Reich A Tang Asset 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 =raga for an ERISA plan or an IRA that bah' Fiduciary Shares (as desc Maxi below ) do not hear any portion of investment, administrative,custotan or other charges paid to the Bank or its affiliates for services to the applicable JI'Morgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank serves as trustee. or dimetionin investment managa for an ERISA plan or an IRA, which hold shares in the JPMorgan 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 Shara 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, JI'Morgan Tax Aware Large Cap Growth Fund. JI'Morgan Mid Cap Equity Fund. JPMorgan 7 rust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. IPMorgim Short Tam Bond Fund II, JPMorgan Bond Fund 11, JPMorgan Tax Aware Enhanced Income Fund, JI'Morgan Tax Aware Short-Intermediate Income Fund, JPMorgan Intermediate Tax-Free Income Fund, JI'Morgan Tax-Fm Income Fund, JI'Morgan California Bond Fund. JI'Morgan NY Intermediate Tax hue Income fund and 'Morgan 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 by the Bank to the account which holds the Fiduciary Shays. 'the 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-00003725 JPMorgan Chase CONFIDENTIAL SDNY_GM_00272923 EFTA01482585