EFTA01524192.pdf

November 01, 2003 - Ghisiaine Maxwell November 28, 2003 Primary Account Number JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accomm are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts are subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services Your accounts. unless otherwise indica-Mon the Statement. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FDIC insured. In Case of Errors or Qualions 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 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 hair from you no later than 60 days after we vat you the FIRST Amman 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 frusta you are unsure about. II/Morgan Private Bank Client Service and explain ascii:arty as you can why you believe it is an 500 Stanton Christiana Road. I /O11S3 error or why you need mote information. Montt 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 than 10 business days to do this (20 business days for transactions outside the U.S. and poinrof-sale tran.sactionn, we will rear& 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 examine your account at once. If you feel an error has taken place or have queatons concerning a non-electronic transaction. telephone or mite us within 30 days. The phone number is printed on the front of this statanent. 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 government or gm 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 affiliatial with the Bank. The Bank and its affiliates receive compensation from the JPh1or•an Funds for voiding metiers to the funds. Read the JI'Morgan Funds prospectuses carefully for details, including fors and ex-poises before investing or sinning money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan Select Shares of the New Jassy Daily Municipal Income Fund, Inc. are 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'Morgam are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manba NASD. The Bank is not a registered broker-doter. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a member of NASIYSIPC. IRA Accounts Accounts of the Bank as mom, or ns discretionary investment manager for an ERISA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any potion of invirstment. administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for which a rebate proems has born established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or dimtetionao roves R/CM manager for an ERMA plan or an IRA. which hold staves 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 shams of JP/slorgrai Select Funds and Institutional Shafts of the JPMorgan Bond Fund II. WMorgan Short-Term Bond Fund JPMorgan Intermediate Bond Fund II. and Woman Large Cap Equity Fund held in Bank tout aCCOUMS or in discretionary investment managanent accents 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 relate amount Femmes the portion of servicing fez paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00051977 JPMorgan Chase CONFIDENTIAL SDNY_GM_00321175 EFTA01524192