EFTA Document EFTA01487878

January 11,2004 - February 27,2004 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number ° JPMorgan Private Bank Important Information about Your Statement Persian] awaits are subjat 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 Genial Terms For Accounts and Services Your accounts. unless otherwise indicated on the btatement. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or suite to the Bank if you think your statement or receipt is wising. or if you need more intimation 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 sent you the FIRST Asuman on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about. and explain ascii:any as you can why you believe it is an error or why you iced mote information. • Tell us the dollar amount of the arspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank elicit Service 500 Stanton Christiana Road, I 'OPS3 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 businens days for transactions outside the U.S. 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 examtne your account at once. If you feel at 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. 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 mm en t or err 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 .IPMorgan Fund Distributors, Inc. which is not affiliatial with the Bank. The Bank and its affiliates receivecompensation from the WhItagan Funds for providing services to the funds. Read the li'Morgan Funds prospectuses carefully for dinails, including fees and eypatses• before investing or scaling money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan 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 Distributors 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 manha NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Book, is a manlier of NASIYSIPC. IRA Accounts Accounts of the Bank as trance, or ns discretionary lineament manager for an ERISA 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 'Morgan Funds for which a rebate process has bum established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or discretionary investment manger for an ERISA plan or an IRA. which hold shares in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so held. "fiduciary Shares' means shams of JPMorgan Select Funds and Institutional Shwa of the JI'Morgan Bond Fund II. JPMorgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank tout 8CCOUMS or in discretionary investment managenem accoinits 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 relate amount alpacas the portion of servicing fan paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009442 SDNY_GM_00278640 EFTA01487878