EFTA Document EFTA01487851

November 01, 2003 - November 28, 2003 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number ®JPMorgan Private Bank Important Information about Your Statement Personal al:comb are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. lhainess accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indica-1ton the Statemen t. are held by JPMorgan Chase Bank (the 'Bank"). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are HNC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts alp) Telephone or write to the Bank if you think your statement or receipt is wrong. or if you need more inunmatton about an electronic transaction on a statement or maim. 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 aria we sent you the FIRST statement on which the error or problem appeared. • Tell us your name aid account number. • Describe the erwir or the transfer you are unsure about. and explain as clearly as you can why you believe it is an aror or why you need more information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at II/Morgan Private Bank Client Service 500 Stanton Christiana Road. I /O11S3 Newark. DIE 19711-2107 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 U.S. and point-of-sale tran.sactions), we will mac& 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 at error has taken place or have quebtons concerning a nonelectronic transaction. telephone or write us within 30 days. The phone number is printed on the front of this saltation. 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 hank 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 gm e rnm en t or got 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 WMorgan Fund Distributors, Inc. which is not affiliatal with the Bank. The Bank and its affiliates receive compensation from the Whlorgan Funds for rirovirling services to the funds. Read thelPtslorgan Funds prospectuses carefully for derails, including fees and ex-Issues before investing or scaling money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan Select Shares of the New Jena 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 WMorgari are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manta NASD. The Bank is not a registered broker-deals. Securities transactions ma be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a manlier of NASIYSIPC. IRA Accounts Accounts of the Bank as mac, or as discretionary bwestment manager for an ERISA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any portion of investment. administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for %Inch a rebate moss has bean established since these charges are subject to rebate as darned below. For accounts of the Bank as trustee. or dimetionao uwerament manager for an ERISA plan or an IRA. which hold staves in the 'Morgan Funds o0er than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account Um with respect to the funds so held. 'fiduciary Shares' means shares of JPMorgan Select Funds and Institutional Shwa of the JPMorgan Bond Fund II. WMorgan Short-Tam Bond Fund II, JPMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank bunt aCCOUMS or in discretionary investment managanent accowns at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Shags. The rebate amount mimes the potion of servicing lets paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009415 SDNY_GM_00278613 EFTA01487851