EFTA01487729

March 30,2002 - April 30,2002 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number. 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 General 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, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or write 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 pnnted on the front of this statement. The address for inquirito appears below. We must hear from you no later than 60 days alto- we sent you the FutsT stawmcnt on which the error or problem appeared. • Tell us your name and account 'ambit •IMscribe the cane or the flxatsfer you arc unsure aboul, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected MOT. Plato: direct all inquiries to your Morgan 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 error promptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.S. and poinbof-sale transactions), we will nwredit your account for the amount you think is in error so that you will have use of the money dosing 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 nonelectronic transaction. telephone 'Sr write 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 Fluids/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. the Bank and its affiliates weave compensation from the in/foram' Funds for providing services to the finals. Read the ;Morga Funds prospectuses carefully for details. including fees and avant, before investing or wilding money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal income Fund. Inc. arc not part of, or affiliated with, the JPMorgan Family of Mutual Funk Reich it 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 member NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Ftuid Distributors. Inc. a subsidiary of the Bank. is a member of NASD/S1PC. 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 arc subject to rebate as dermal below. For accounts of the Bank as trustee, or discretionmy investment manager for an ERNA plan or an IRA. which hold shams in the JPMorgan Funds other than Fiduciary? Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fors with respect to the dads so held. "fiduciary Shams" mums shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JI'Morgan 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 manual by the Bank to the account which holds the Fiduckny Shares The rebate (anoint represents the portion of servicing fan paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009291 SDNY_GM_00278489 EFTA01487729