EFTA Document EFTA01482541

October 01, 2004 - October 29.2004 Page 8 of S Jeffrey E Epstein 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 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 -13eask"). Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc HNC insured. In Case of Errors or Questions About Your Electronic Rinds Transfers (personal accounts only! Telephone or unto to the. Bank if you think your stamen( or receipt is "Tong. or H 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 inquiries appears below. We must hear from you no later than 60 days attar we sent you the FutsT statement on %filch the error or problem appeared. • Tell us your name and account mania. •IMscribe the mar or the transfer you arc unsure RhOill, and explain anciently as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the SltipiCkJii MOT. Plain: direct all inquilies to your Morgan Accession 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-of-sale transactions), we will nxredit your account for the amount you think is in error so that you will have use of the money donna the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account al once. If you feel an error has taken place or have questions concerning a nonelectronic transacuon. telephone or write us urban 10 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 Rands) 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. Ile Bank and its affiliates weave compensation front the JPMorgai Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and impalas, before investing or wilding money. JPMorgan Select Shoats of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jassy' Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the Whlorgan Family of Mutual Funk Reich et Tang Distributors Inc. and Reich it 'fang Ansel Management L.P., which are unalliliatal with JPMorgan, are the fund? distributors and invesunan advisor. Reich & Tang Distributors Inc. is a member NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Ruid 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 ERISA plan or an IRA that hold Fiduciary Shares (as &sent-led 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 uhich a rebate process has been established since these charges are subject to rebate as delmat below. For accounts of the Bank as trustee, or discretionaiy- investment manager for an ERISA plan or an IRA. which hold shams in the JPMorgan Funds other than Fiduciars- Shams, the Bank receives fees for services from the JPMorgan Funds but waives account foes MTh respect to the dads so held. "fiducitay Shares" nuns shares of IPMorgan Select Raids and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan 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 managanent accounts at the Bank held by ERISA plans or IRAs. 'Rebate means an amount lamed by the Bank to the account which holds the Fiduciany Shares. The rebate amount repressors the portion of servicing fats paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00003680 SDNY_GM_00272878 EFTA01482541