EFTA Document EFTA01487869

January 01, 2004 - January 30,2004 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number ° JPMorgan Private Bank Important Information about Your Statement Personal aecomos are subjait to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Business accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indicatulon the Statement. are held by JPMorgan Chase Bank (the -Bank-). Deposit accounts held at the Bank, including checking, savings, CD, and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts on Telephone or write to the Bank if you think your statement or receipt is wrong. or if you need more affirmation about an electronic transaction on a statement or receipt. 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 after we scot you the FIRST stateman on which the error or problem appeared. • Tell us your name aid account number. • Describe the error or the transfer you are unsure about. and explain as you can why you believe it is an error or why you need mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank elicit Service 500 Stanton Christiana Road, I AN'S; 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. l and point-of-sale tran.sactions), we will recrcdit 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 an error has taken placeor have queatons concerning a non-electronic transaction. telephone or write us within 30 days. The phone number is printed on the front of this statanent. 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 affiliate, or any federal or state gm e rom en t or go, ernmenr 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 receivecompensation lion the 3Phlorpan funds for providing services to the funds. Read the JI'Morgan Funds proextusue.arefully for &sails, including fees and exposes, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan Select Shares of the New Jersey Daily Municipal Income fund, Inc. are not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Ifistributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with JPMorgat are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manila NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bank, is a manlier of NASIMSII'C. IRA Accounts Accounts of the Bank as mace, or ns discretionary bwestment manager for an EIUSA plan or an 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 JPMorgan Funds for which a rebate process has berm established since these charges are subject to rebate as defined below. For accounts of the Bank as mince. or diwretionary investment manager for an EFUSA plan or an IRA. which hold shares in the JI'Morgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgon Funds but waives account flies with respect to the funds so held. 'fiduciary Shares' means shams of JP/slorgrai Select Funds and Institutional Shorts of the JI'Morgan Bond Fund II. IPMorgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank oust 8CCOUMS or in discretionary investment managanent accomus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Sham. The rebate ;summit rantsents the portion of servicing fir paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009433 SDNY_GM_00278631 EFTA01487869