EFTA Document EFTA01524288

December 31,2005 - January 31,2006 Page 4 of 5 Ghialaine Maxwell Primary Account Number JPMorgan 0 Private Bank Important Information about Your Statement Accounts are subject to the Central Terms For Accounts and Services and applicable appendices and account agnxilialb Your accounts. unless otherwse indicatedon the statement. are held by JPMorgart 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 onlv) Telephone or write to the Bank if you think your statement or mop is oTOlig. or if you need more mormation about an electronic transaction on a Aatetnent or receipt. The phone number for inquiries is printed on the front of this statement. The address for inquiries appears below. We must hair front you no later than 60 days after we sent you the FIRST idement on which the error or problem appeared. • Tell us vow name and account numbs. • Describe the error or the transfer you are unwire about. and explain as clearly Ils you can why you believe it is an error or why you need more information • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JPMorgan Private Bank Chart Service 500 Stanton Christiana Road, UOPS3 Newark. DE 19713-2107 We will investigate your complaint and will correct any error promptly. It' we take more than 10 bwinew days to do this (20 husinew days for transactions outside the U.S and point-of-sale transactions), we will recrelit your account for the amount you think is in error 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 examine your account at once. If you fuel an error has taken place or have questions concerning a non-electronic transaction, telephone or write us within 30 clays. 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/Sceurities 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 invoke investment risks. including the possible loss of the principal amount invested. The distributor of the JPMorgan Funds is JPMorgan Distribution Sersices, Inc.. which is an aniline of JPMorgan Chase Bank, N.A.. JPMorgan Chase Bank. N.A., and its affiliates receive compensation from JPMorgan Funds for providing services. Read the JPMorgan Funds prospectuses carefully for details. including fees and expenses, before investing or sending money. JPMorgan Select Shares of the Comedian Daily Tax Free Income Fund, Inc and JPMorgan Select Shares of the New Jersey Daily Municiped 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 arc unaffiliated with Widorgan, arc the fun& distributors and investment advisor, respectively. Reich Et Tang Distributors Inc. is a monde NASD. IRA Accounts Accounts where the Bank serves as trustee or as discretionary investment 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 services to the applicable JPMorgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as trustee, or discretionary investment manager for an ERISA plan or an IRA, which hold shares in the JPMorvart 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 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 l.argc Cap Growth Fund, JPAiorgan Mid Cap Equity Fund, 'Morgan Trust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. JPMorgan Short Tam Bond Fund II. JPMorgan Bond Fund IL JPMorgan Tax Aware Enhanced Income Fund. Morgan Tax Aware Short-Intennaliate Income Fund, JPMorgan Intermediate Tax-Erw Income Fund, JPNIorgim .fax-Free Income Fund, JPMorgan California Bond Fund. JPV.lotgan NY Intermediate Tax Free Income Fled and JPMorgan NJ Tax Fax Income hind held in the Bank's trust accounts or in the Bank's investment managanatt 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 respect to Fiduciary. Sham. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00052081 SDNY_GM_00321279 EFTA01524288