EFTA Document EFTA01487890

February 28, 2004 - March 31,2004 Page 3 of 3 EPSTEIN INTERESTS Primary Account Ntunbea ° JPMorgan Private Bank Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accounts or the (Ismael Terms For Accounts and Services Your accounts. unless otherwise mdicalal on the Statement. 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 on01 Telephone or write to the Bank if you think your statement or receipt is wrong. 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 fmm you no later than 60 days after we rent you the FIRST oatemmt on which the error or problem appeared. • Tell us your name aid account number. • Describe the error or the transfer you an: unsure about. and explain ascii:arty as you can why you believe it is an era 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 31/Morgan Private Bank Client Service 500 Stanton Christina 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 D.S. and point-of-sale tran.sactions), we will recrcdit your account for the amount you think is in aim 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 place or have queatons 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 Clime Bank or its affiliates or any federal or state gm e nim en t or gm 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 JPMorgan Fund Distributors, Inc. which is not affiliatal with the Bank. The Bank and its affiliates receive compensation from the 31slorgan Funds for providing savices to the funds. Read the Whiorgan Funds prospectuses carefully for details, including fors and ex-fames, 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 Distributors Inc. and Reich & Tang Asset Management L.P.. which are unaffiliatal with WMorgast are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manba NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bolt is a manlier of NASIYSIPC. IRA Accounts Accounts of the Bank as mace, or ns discretionary bwestment manager for an ER1SA 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 loam established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or dimetionary investment manager for an EFUSA plan or an IRA. which hold Ala/CS in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgon Funds but waives account rims with respect to the funds so held. 'fiduciary Shares' means shares of JPNIorgan Select Funds and Institutional Slums of the JPMorgan Bond Fund II. JPMorgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank tout aCCOUMS or in discretionary investment managanent accoings at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Shores. The rebate amount rmatsents the portion of servicing lets paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009454 SDNY_GM_00278652 EFTA01487890