EFTA01524220

May 29, 2004 - Jtmc 30, 2004 Page 4 of 4 Ghislaine Maxwell Primary Account Ntunbea JPMorgan Private Bank Important Information about Your Statement Personal mamas are subject to the Deposit Accounts Agmement or the General Terms For Accounts and Services. Business accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indicatalon the Statement. 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 °u p) Telephone or write to Ora Bank if you think your statement or receipt is wrong. or if you need more 'intimation about an electronic transaction on a statement or maim. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days eller we sem you the FIRST suitenumt on which the error or problem appeared. • Tell us your name aid account number. • Describe the error or the frusta you are unsure about. and explain ascii:arty as you can why you believe it is an error or why you need mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank Cliart Service 500 Stanton Christian Road. I MM'S3 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 business 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 non•eleetronc 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 Chase Bank or its affiliates or any federal or state gm e rom en t or gov 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 affiliated with the Bank. The Bank and its affiliates receive compensation from the JI'Morgan Funds for Landing aavices to the funds. Read the JI'Morgan Funds prospectuses carefully for details, including fors and exposes, before investing or smiling money. JPMorgan Select Shares of the Connecticut Daily Tux Free Income Fund. Inc. and 'Morgan Select Shares of the New Jersey Daily Municipal Income Fund, 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 an: unaffiliatal with JI'Morgaik are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manila NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a member of NASIYSIPC. IRA Accounts Accounts of the Bank as mace or ns discretionary investment manager for an ERISA plan or on 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 beim established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or dimraionao roves R/CM meager for an ERISA plan or an IRA. winch hold Ala/CS in the 'Mown 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 shares of JI'Morgcm Select Funds and Institutional Sham of the JI'Morgan Bond Fund II. JPMorgan Short-Tam Bond Fund II. JPMorgan 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' means an amount returned by the Bank to the account which holds the Fiduciary. Sham. The rebate ;mount represaits the portion of servicing fan paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00052005 SDNY_GM_00321203 EFTA01524220