EFTA01503242.pdf

December 07,2001 - ZORRO TRUST December 31,2001 Primary Account Number. JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tams For Accounts and Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13ratk"). 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 Funds Transfers (personal accounts only! Telephone or ante to the. Bank if you think your stamen( or receipt is wrong. or H you need more Yuman:in 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 inquirku appears below. We must hear from you no later than 60 days affix we sent you the Futs'r statement on which the error or probity appeared. • Tell us your name and account manly. Platt direct all inquiries to your Morgan Accotmt Officer at • Ifescribe the error or the transfix you arc unsure ghoul, JPMorgan Private Bank Client Service and explain &Ideally as you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 armor why you need more information. Newark, DE 19713-2107 • Tell us the dollar amount of the SLLSOCCOXI 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 (1.S. and point-of-sale transactions), we will nxredit your account for the amount you think is in emir so that you will have use of the R1OJXY dunag 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 30 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 hinds) 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 government 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 in/foram Funds for providing services to the faith. Read the ;Morgan Funds prospectuses carefully for details. including fees and ccpanim, before investing or molding money. JPMorgan 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 part of, or affiliated with, the ffilviorgan Family of Mutual Fuels. Reich it Tang Distributors Inc. and Reich R Tang Asset Management L.P., which are unaffiliated with JPMorgan. are the fund? distributors and investamt advisor. Reich & Tang Distributors Inc. is a menhir NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Fund Distributors. Inc. a subsidiars of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, or as discretionary investment manager for an FRISA plan or an IRA that hold Fiduciary Shares (as desentiod below) do not bear any portion of investmait, administrative, custodian or other charges paid to the Bank or its affiliates for services to JPMorgan Funds for which a rebate process has been established since these charges are subject to rebate as dermal below. For accounts of the Bank as trustee, or discretionmy investment manager for an EIUSA plan or an IRA. which hold shorts in the JPMagan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the hinds so held. "fiduciary Shams" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, li'Morgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managunent accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount alums' by the Bank to the account which holds the Fiduciary Shores The abate amount represents the portion of servicing firs paid to the Bank by the mutual fwd with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00027850 JPMorgan Chase CONFIDENTIAL SDNY_GM_00297048 EFTA01503242