EFTA01487710

Mammy 01,2002 - January 31,2002 Page 3 of 3 EPSTEIN INTERESTS Vuitton Account Number. 000-138912 JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tams For Accounts ;tad Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the Central Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the "Bail:"). Deposit accounts held at the Bank, including checking. savings, Cl), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or wine to the. Bank if you dunk your stamen( or receipt is "Tong. or it you need more mlonnation about an electronic transaction on a statement or receipt. The phone number for inquiries is pinned on the front of this statement The address for inquirisa appears below. We must hear from you no later than 60 days altos we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account mamba. • Describe the emir or the transfer you arc unsure ahead, and explain anciently as you can why you believe at is an error or why you need more information. • Tell us the dollar amount of the suspected cum. Plata: direct all inquilies to your Mangan Actual( Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark, DE 19713-2107 We will investigate your complaint and will correct any ester promptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.5. and point-of-sale transactions), we will nxredit your account for the amount you think is in error so that you will have use of the money during the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account al once. If you feel an error has taken place or have questions concerning a non-electronic transaction. telephone or visite us within 30 days. The phone number is printed on the front of this statement. The address appears above. lino report is received within this period. your account will be considered correct Mutual Rinds/Securities Securities (including Mutual Funds) and annuities are not bank 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 government or government 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. Ile Bank and its affiliates rocave compensation from the JPMorgai Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and impalas, before investing or sending money. JPMorgan Select Shoats of the Connecticut Daily Tam Free Income Fund. Inc. and JPMorgan Select Shams of the New Jersey' Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the Whlorgan Family of Mutual Funk Reich et Tang Distributors Inc. and Reich R Tang Asset Management L.P., which are unaffiliated with JPMorgan. are the fund? distributors and investment advisor. Reich & Tang Distributors Inc. is a manbir NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Fund Distributors. Inc. a subsidiary of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, 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 investmat, administrative, custodian or other charges paid to the Bank or its affiliates for services to JPMorgan Funds for which a rebate process has been established since these charges are subject to rebate as delmal below. For accounts of the Bank as trustee, or discretionan investment manager for an IERISA plan or an IRA. which hold shirts in the JPMorgan Funds other than Fiduciaiv Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the hinds so held. "fiducitay Shams" mains shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Term Bond Fund II. JPMorgan Intamediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managanent accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount mumed by the Bank to the account which holds the lido:Ian Shores The abate amount repressors the portion of servicing fea..s paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009271 SDNY_GM_00278469 EFTA01487710