EFTA Document EFTA01487909

May 0l,2 4 - May *MN Page 3 of 3 EPSTEIN INTERESTS Primary Account Number 000-118912 JPMorgan Private Bank Important Information about Your Statement Personal &comas are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Blueness accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indicakel on the Statement. are held by JPMorgan Chase Bank (the -Banke). Deposit accounts held a 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 (tub) Telephone or write to the Bank if you think your statement or receipt is wrong. or if you need more numeration about an electronic transaction on a statement or maim. The phone number for inquiries is printed on the front of this statement The address for inquiries appears below. We must hear fmm you no later than 60 days after we scot you the FIRST eatemat on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfer you an: unsure about. and explain as clearly as you can why you believe it is an carer or why you iced mote information. • Tell us the dollar amount of the etspected error. Please direct all inquiries to your Morgan Account Officer at 11/Morgan Private Bank Client Service 500 Stanton Ciristiana Road. IAN'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 businem days for transactions outside the ll.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 examine your account at once. If you feel at error has taken placeor have questions concerning a nonseleettemc transaction. telephone or write us within 30 days. The phone number is printed on the front of this suitanent. The address appears above. If no report is received within this period, your account will be considered correct Mutual Funds/Securldes Securities (including Mutual Funds) and annuities are not hank deposits and are nor FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank or its affiliates or any federal or state gm e rom en t or gin 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 .IPMorgan Funds is 114Morgan Fund Distributors. Inc. which is not affiliatal with the Bank. The Bank and its affiliates receivecompensation lion the WhItegan Funds for ixovithng services to the funds. Read thelPtslorgan Funds prospectuses carefully for details, including fees and expanses• before investing or smiling money. WMorgan 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 WMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with IPMorgast 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 may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bolt, is a manlier of NASIMSII'C. IRA Accounts Accounts of the Bank as trtmee, 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 investment. administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for which a rebate process has been established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or diwretionary investment manager for an ERISA plan or an IRA. which hold Ala/CS 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 Stares of the 11)Morgan Bond Fund II. 113Morgan Short-Tenn Bond Fund II. WMorgan Intermediate Bond Fund II. and NMorgan Large Cap Equity Fund held in Bank bust accounts or in discretionary investment management 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 amosua raintsents the potion of servicing fey paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009473 SDNY_GM_00278671 EFTA01487909