EFTA01496678

August 01.2003 - August 29,2003 Page 6 of 6 NES, LLC Primary Account Number JPMorgan Private Bank Important Information about Your Statement Personal accounts arc 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 or the General Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13catk"). Deposit accounts held at the Bank, including checking. savings, CI), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Rinds Transfers (personal accounts only! Telephone or ante to the. Bunk if you think your stormy( or receipt is wrong. or H you need more inhumation about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this statement. The address for inquirise appears below. We must hear from you no later than 60 days atla we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account sundae. • Describe the enor or the transfer jou arc unsure ghoul, mid explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the SICMCCMLI MIX Plant direct all inquiries to your Morgan Accusal( Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark. DE 19713-2107 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 (1.5. and point-o(-sale transactions), we will nxredit your account for the amount you think is in error so that you will have use of the R1OJXY dwing 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 "ill be considered correct. Mutual Rinds/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 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. winch is not affiliated with the Bank. The Bank and its affiliates receive compensation front the JPMorgan Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and agony, before investing or wading money. JPMorgan Select Shams 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 JPIslorgan Family of Mutual Funds. Reich et 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 member NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Fund Distributors. Inc. a subsidiarj of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as descnbed below) do not bear any portion of investmat, 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 detinoi below. For accounts of the Bank as trustee, or discretionary investment manager for an IERISA plan or an IRA. which hold shams in the JPMorgan 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" nuns shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Term Bond Fund IL JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managanent accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount Yumed by the Bank to the account which holds the Fiduciary Shares The rebate amount represents the portion of servicing fan paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00020070 SDNY_GM_00289268 EFTA01496678