EFTA01496971.pdf

July 31,2004 - NES, LLC August 31,2004 Primary Account Mena ® JPMorgan Private Bank Page 6 of 22 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agmement or the General Terms For Accotmts and Services. Ifininess accounts are subject to the Tams and Conditions for Commercial Accounts or the (imam' Tams For Accounts and Services Your accounts. unless othassue indicated on the btatement. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market scannas, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or wnte to the Bank if you think your statement or receipt is swung. or if you need more intimation about an electronic transaction on a statement or receipt The phone number for inquiries is printed on the front of this gateman The address for inquiries appears below. We must hear fmm you no later than 60 days after we vat you the FIRST natemmt 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 error or the transfer you are unsure about. JI'Moigan Private Bank Client Service and explain ascii:arty as you can why you believe it is an 500 Stanton Christiana Road. IAN'S; error or why you need more information. Assert DE 19711-2107 • Tell us the dollar amount of the suspected error. We will investigate your complaint and "ill 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-sale tran.sactions), we will recrcdit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examtne your account at once. If you feel at error has taken place or have quentons concerning a noneleettemc transaction. telephone or write us within 30 days. The phone number is printed on the front of this seaman. The address appears above. If no report is received within this period, your account will be considered correct. Mutual Funds/Securities Securities (including Mutual Funds) and annuities are not hank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Clime Bank. or its affiliates or any federal or state gm e rom en t or gin ernment agency or government sponsored agency. Securities (including mutual funds) 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. The Bank and its affiliates receive compensation from the Whlingan Funds for ixoviding salvias to the funds. Read the JI'Morgan Funds prospectuses carefully for Marls, including fors and expenses, before investing or sending money. JPMorgan Select Shares of the Comecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income Fund, Inc. are not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Ifistributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with JI'Morgan are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manba NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Back, is a member of NASIYSIPC. IRA Accounts Accounts of the Bank as trumee, or ns discretionary bwestment manager for an Flinn 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 'Morgan Funds for winch a rebate mass has ham established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or dimtetionaQ- investment manager for an ERMA plan or an IRA. which hold AWICS in the 'Morgan Funds o0ier than Fiduciary Shares, the Bank receives fees for services front the JPMorgan Funds but waives account fees with respect to the funds so held. 'fiduciary Shares' means shams of Whlorgan Select Funds and Institutional Sham of the Jl'Morgan Bond Fund II. JPMorgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and Worsen Large Cap Equity Fund held in Bank bunt accounts or in discretionary investment managanent accomits at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary. Shan. The taste amount mimeses the potion of servicing last paid to the Bank by the mutual fund with respect to Fiduciary Sharks. Confidential Treatment Requested by JPM-SDNY-00020388 JPMorgan Chase CONFIDENTIAL SDNY_GM_00289586 EFTA01496971