EFTA01524203

January 11, 2004 - Febmary 27, 2004 Page 4 of 4 Ghislaine Maxwell Primary Account Number JPMorgan Private Bank Important Information about Your Statement Personal Iranians are subjat to the Deposit Accounts Agreement or the General Terms For Accounts and Services. liminess accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise Indiana on the Statemen t. 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 onM Telephone or write to the Bank if you think your statement or receipt is wrung. 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 statement The address for inquiries appears below. We must hair from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfix you an: unsure about. and explain as clearly as you can why you believe it is an error or why you iced mote information. • Tell us the dollar amount of the suspected Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank elicit Service 500 Stanton Christiana Road. UCH'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 U.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 aka 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 place or have questions concerning a noneleettemc transaction. telephone or write us within 30 days. The phone number is printed on the front of this statement 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 affiliate, or any federal or state gm e mm 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 Whlingan Funds for providing eavices to the funds. Read the JI'Morgan Funds prospectuses carefully for details, including fees and ex-poises, before investing or sending money. 1PMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income lend, 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 1I'Morgase are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manha NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Back, is a manlier of NASIYSIPC. IRA Accounts Accounts of the Bank as armee, or as discretionary bwestment manager for an EIUSA 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 JI'Morgan Funds for which a rebate process has Isom established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or dimtetionary roves MCIll manager for an ERMA plan or an IRA. which hold Ala/CS in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for services (ran the JPMorgan Funds but waives account foes with respect to the funds so held. "fiduciary Shares' means shares of JP/slorgra Select Funds and Institutional Shuns of the JI'Morgan Bond Fund II. JI'Morgan Short-Tam Bond Fund II. 1PMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank bunt accounts or in discretionary investment managanent accounts at the Bank held by ERISA plans or IRAs. "Rebate mans an amount returned by the Bank to the account which holds the Fiduciary Shama. The relate :mount ram:seas the potion of servicing lets paid to the Bank by the mutual fund with respect to Fiduciary Shan. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00051988 SDNY_GM_00321186 EFTA01524203