EFTA01524159

March 08,2003 - March 31,2003 Page 3 of 3 Ohislalne Maxwell Primary Account Number JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the amend Tenns For Accounts and 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 -13ratk"). 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 write to the. Bank if you think your stamen( or receipt is wrong. or it you need more intonation 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 inquirit appears below. We must hear from you no later than 60 days atta we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account number. •17escribe the mar or the transfer you arc unsure about, and explain ors 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 arm. Plitt direct all inquiries to your Morgan Acosta( Mica at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark, DE 19713-2107 We will investigate your complaint arid 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 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 RIOMY 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 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 cermet. 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 !I:cavecompensation from the in/forgot Funds for providing services to the Mauls Read the ;Morgan Funds prosp-xtuses carefully for details. including fees and avant, before investing or sending 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. arc not part of, or affiliated with, the Whiorgan Family of Mutual Funk Reich th Tang Distributors Inc. and Reich It 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 Faid 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 FRISA plan or an IRA that hold Fiduciary Shares (as desental below) do not bear any portion of investment, aihninistrative, 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 derma below. For accounts of the Bank as trustee, or discretionvy investment manager for an IERISA plan or an IRA. which hold shares in the JPMorgan Funds other than Fiduciary? Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the hinds so held. "fidutitay Shams" nuns shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, Jl'Morgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managunent accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount returnsl by the Bank to the account which holds the Fiduciwy Shares The rthate (amount 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-00051944 SDNY_GM_00321142 EFTA01524159