EFTA01487966.pdf

October 30,2004 - EPSTEIN INTERESTS Novemba 30,2004 Primary Account Number JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Tams For Accounts rind Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts Of the General Terms For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank. NA. (the "Bank") 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 Ponds Transfers (personal accounts only! Telephone or ante to the Bunk if you dank your statement or receipt is wrong. or It you need more mlonnation about an electronic transaction on a statement or receipt The phone number for inquiries is printed on the front of this statement. The address for inquirim appears below. We must hear from you no later than 60 days atta we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account number. Plata: direct all inquiries to your Mogan Account Officer at •13escribe the mar or the transfer you arc UM= AEOLIC JPMorgan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 atm or why you need more information. Newark. DE 19713-2107 • Tell us the dollar amount of the SILSOCCOXI error. 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 tninacctions outside the U.S. and point-of-sale transactions), we will recredit 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 non-electronic transaction. telephone or write us within MI days. The phone number is printed 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 Rinds) 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 go. ernment or gosernment agency or goy ernment sponsored agency. Securities (Including mutual funds) and annuities invoke inseament risks, Including the possible loss of the principal amount Invested. The distributor of the JPMorgan Funds is J.P. Morgan Funds Distributor. Inc. which is not affiliated with the Bank. the Bank and its affiliates receive compensation from the 'Morgan Funds for providing services to the funds. Raid the ;Morgan Funds prospxtuses carefully for details including fees and iscpmam, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Interne Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund, Inc. arc not part of, or affiliated with. the JI'Morgan Family of Mutual Fumkt Reich & 'Fang Distributors Inc. and Rcmh & 'fang Asset Management L.P.. which are unaffiliated with 113Morgan. an: the funk distributors and ilIVCAMtI0 advisor. respectively. Reich & Tang 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 Shams (as described below)do not bear any portion of investment. administative.custodian or other charges paid to the Bank or its affiliates for services to the applicable JPtiforgan Funds since these charges arc subject to rebate as defied blow. For accounts where the Bank serves as trustee, or discretionary immanent manager for an ERISA plan or an IRA. which hold shares in the JPMorgan Funds other limn Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so hekl. Fiduciary Shares me shares in the Select Shams class of 'Morgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan Tax Aware US Equity Fund. JPMorgan Tax Aware Lane Cap Growth Fund, JPMorgem Mid Cap FAO. Fund. JPMorganTrost Small Cap Equity Fund. ;Morgan Fleming International Equity Fund. JPMorgan Short Tenn Bond Fund II, JI'Morgan Bond Fund II, JPMorgan Tax Aware Enhanced Income Fund, JI'Morgan Tax Amire Short-Intermediate Income Fund. JI'Morgan Intermediate Tax-Free Income Fund, JPMorgan Tax-Free Income Fund JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income fund and JI'Morgan NJ Tax Free Income Fund held in the Bank's mist 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 Shares. The rebate amount represents the portion of servicing foes paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00009530 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278728 EFTA01487966