EFTA Document EFTA01524280

November 01, 2005- November 30, 2005 i Ghislaine Maxwell JPMorgan 0 Primary Account thuna Private Bank Page 3 of 3 Important Information about Your Statement Accounts are subject to the Central Terms For Accounts and Services and applicable appendices and account agnxincit: Your accoiuus. unless otherwise indic.atedon the statement. are held by JPMorgan Chase Bank NA. (the 'Bank"). Deposit recounts held at the Bank, including checking, savings, CD, and mom, market accounts, are FDIC insunxl. In Case of Erron or Questions About Your Electronic Funds Transfers (personal accounts mkt Telephone or write to the Bank if you think your statement or mom is wrong. or if you need more mormation 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 hear front you no later than 60 days after we sent you the FIRST gatement on which the error or problem appeared. • Tell tw vow name and account numbs. • Describe the error or the transfer you are unsure about. and explain as clearly as you can why you believe it is an error or why you need more information • Tell is the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark. DE 19713-2107 We will investigate your complaint and will cornet any error promptly. It' we take more than ID bwinew days to do this (20 busineni days for transactions outside the U.S and point-of-sale transactions), we will recrolit your account for the amount you think is in mot so that you will have use of the money during the lime it takes us to complete our investigation. to Caw of Errors or Questions About Non Electronic Transfers Please eXarninc your account at once. If you fuel an error has (akin place or have questions concerning a non-electronic trznisaction, minnow or mite us within 30 days. The phone number is printed on the front of this statement. The address appears above. If no tenon 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 arc not FDIC insured nor arc they obligations of or guaranteed by JPMorgan Chase Bank, N.A. 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. 'Dm distributor of the JPMorgan Funds is JPMorgan Distribution Services, Inc.. which is an affiliate of JPMorgan Chase Bank, N.A.. JPMorgan Chase Bank. N.A., and its affiliates receive compensation from JPMorgan Funds for providing Woke?. Read the JPMorgan Funds prospectuses carefully for details. including fees and expanses, before investing or sending money. JPMorgan Select Shares of the Comedian Daily Tax Free Income Fund, Inc and JPMorgan Select Shams of the New Jersey Daily Mauldin] Income Fund. Inc. are not part of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P., which are unaffiliated with JPItiorgan, arc the funds distributors and investment advisor, respectively. Reich Et Tang Distributors Inc. is a member NASD. IRA Accounts Accounts where the Bank serves ns trustee or as discretionary Myra-matt manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described below) do not tear am portion of investment, administrative, custodian or other charges paid to the Bank or its affiliates for satices to the applicable 'Morgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as nista:, or discretionary investment manager for an ERISA plan or an IRA, which hold shares in the JPMorvars Funds other than Fiduciary Sham, the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the hinds so held. Fiduciary Shares are shares in the Select Shares class of JPMorgan Tax Aware Large Cup Value Fund, JPMorgan US Equity Fund, JPMorgan Tax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund, JPAlorgan Mid Cap Equity Fund, 'Morgan Trust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. JPMorgan Short Tam Bond Fund II. JPMorgan Bond Fund II. JPMorgan Tax Aware Enhanced Income Fund. JPMorgan Tax Aware Short-Intennaliate Income Fund, JI'Morgem Intermediate Tux-Free Income Fund, Whlorgtm Tax-Free Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax Free Income Find held in the Bank's trust accounts or in the Bank's investment managanaa accounts for ERISA plans or IRAs. "Rebate means an amount returned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents the portion of servicing fees paid to the Bank by the mutual fund with Tappet to Fiduciary. Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00052072 SDNY_GM_00321270 EFTA01524280