EFTA01487896.pdf

April 01,2004 - EPSTEIN INTERESTS April 30,2004 Primary Account Number (= O JPMorgan Private Bank Page 3 of 4 Important Information about Your Statement Personal &comb are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Business accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless oda-issue indicated on the Statement. are held by JPMorgan Chase Bank (the -Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accotous, are FI)IC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to the Bank if you think your statement or receipt is wrung. or if you need more munmation about an electronic transaction on a statement or maim. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days after we sent you the FIRST Pateman on which theater or problem appeared. • Tell us your name and account number. Please direct all inquiries to your Morgan Account Offica at • Describe the error or the transfix you are unsure about. JI'Morgan Private Bank Client Service and explain as dearly as you can why you believe it is an 500 Stanton Christiana Road, I AlIPS3 error or why you need mote information. Newark. DIE 19711-2107 • Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more Qum 10 business days to do this (20 business days for transactions outside the U.S. and point-of-sale tran.sactionr), 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 Takla 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 noneleetrome transaction. telephone or write us within 30 days. The phone number is printed on the front of this statement. 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 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 gm erom en t or gosernment 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 affiliatial with the Bank. The Bank and its affiliates receive compensation from the Whlingan rands for providing aavices to the funds. Read the JI'Morgan Funds prospectuses carefully for details, including fees and expenses, before investing or scaling money. 'Morgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income fund, Inc. arc not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P., which an: unaffiliatal with JI'Morgat 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 Bole, is a manila of NASIYSIPC. IRA Accounts Accounts of the Bank as mom or ns discretionary investment manager for an ERISA 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 which a rebate moss has beam established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or di retionao investment manager for an EFUSA plan or an IRA. which hold stoves in the 'Morgan 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 Shares' means shares of WhIorgan Select Funds and Institutional Shah of the JPMorgan Bond Fund II. JPMorgan Short-Term Bond Fund II. 1I'Motgan Intermediate Bond Fund II. and Worsen Large Cap Equity Fund held in Bank trust accounts or in discretionary investment manager ent accounts at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Sham. The rebate amount raintsents the portion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00009460 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278658 EFTA01487896