EFTA Document EFTA01487818

May 31,2003 - lime 30, 2003 l'agc 3 of 3 EPSTEIN INTERESTS Plant Account Number. JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tenns For Accounts ;tad Services. Business amounts are subject to the Tams 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 "Bail:"). Deposit accounts held at the Bank, including checking. savings, Cl), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or write to the. Bank if you dunk your statement or receipt is wrong. or it 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 inquirt appears below. We must hear from you no later than 60 days ants we sent you the )RsT stawmcnt on which the error or problem appeared. • Tell us your name and account number. • Describe the emir or the transfer you arc unsure ahead, and explain as clearly as you can why you believe it is an armor why you need more information. • Tell us the dollar amount of the suspected arm. Please direct all inquiries to your Meagan 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-of-sale transactions), we will nxredit your account for the amount you think is in emir so that you will have use of the RIOMY during 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 nonelectronic 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. Ile Bank and its affiliates restive compensation from the JPMorgai Funds for providing saviors to the (with. Read the ;Morgan Funds prospectuses carefully for details. including fees and avant, before investing or wilding money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shams of the New Jersey 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 R Tang Asset Management L.P., which are unaffiliated with JPMorgan, are the fund? distributors and investment 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 ERISA plan or an IRA that hold Fiduciary Shares (as described 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 winch 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 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" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JI'Morgan Shoe-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 manual by the Bank to the account which holds the Fiducieny Shares The rebate amount represents the portion of servicing fats paid to the Bank by the mutual fund with realist to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009382 SDNY_GM_00278580 EFTA01487818