EFTA Document EFTA01482551

October 30,2004 - Novernba 30,2004 Page 10 of 10 Jeffrey E Epstein Primary Account Number: JPMorgan Private Bank Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Tams For Accounts and Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts Of the General Terms For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank. NA. (the "Bank") Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or wnte to the Bank if you think your statanent or receipt is wrong. or It you need more mioniuttion 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 inquirim appears below. We must hear from you no later than 60 days ante we sent you the FutsT stawmcnt on which the error or problem appeared. • Tell us jour name and account mutat •13escribe the mar or the transfer sou arc UM= ahoul, and explain as 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 error. Plisse direct all inquiries to your Mogan Accomit Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, 1/O13S3 Newark, DE 19713-2107 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 tnurnactions outside the U.S. and point-of-sale transactions), we will recredit your account for the amount you think is in error so that you will have use of the money during the tune it takes us to complete our investigation. In Case of Erren or Questions About Non Electronic Transfers Please examine your account at once if you fix] an error has taken place or have questions concerning a non-electrome transaction. telephone or write us within MI 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 correct. 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 JPAlorgan Chase Bank, N.A. or its affiliates or any federal or state gm ernment or gosernment agent, or goy ernment sponsored agency. Securities (Including mutual funds) and annuities ins oh e ins est ment risks, Including the possible loss of the principal amount Invested. The distributor of the lialorgan Funds is IP. Morgan Funds Distributor. Inc. which is not affiliated with the Bank. the Bank and its affiliates receive compensation from the JPMorgan Funds for providing se Vick% to the funds. Raid the ;Morgan Funds prospxtuses carefully for details including fees and ecpansim, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Flee Income Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund, Inc. arc not part of, or affiliated with. the Jilsiorgan Family of Mutual Fu mks. Reich & Tang Distributors Inc. and Reich & Tang Asset Managematt L.P.. which are unaffiliated with JPMorgan. an: the funds' distributors and investment adviser. respectively. Reich & Tang Distributors Inc is a member NASD. IRA Accounts Accounts 'shore the Bank serves as trustee or as discretionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shams (as described below)do not bear any portion of investment administative.curtodian or other charges paid to the Bank or its affiliates for se vices to the applicable JPMorpan Funds since these charges arc subject to rebate as defused blow. For accounts where the Bank serves as trustee, or discretionary immanent manager for an liRISA plan or an IRA, which hold shares in the JPMorgan Funds other than Fiduciary Shams, the Bank receives fees for services from the JPMorgan Funds but waives account fax with respect to the funds so hekl. Fiduciary Shares me shares in the Select Shams class of 'Morgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan Tax Aware US Equity Fund, JPMorgan Tax Aware Lane Cap Growth Fund, JPMorgan Mid Cap FAO. Fund. JPMorgan Trost Small Cap Equity Fund. 111Morgan Fleming International Equity Fund. JI'Morgrin Short Term Bond Fund II, ;Morgan Bond Fund II, 'Mown Tax Aware Enhanced Income Fund, JI'Morgan Tax Aware Short-intermediate Income Fund. Jl'Morgan Intermediate Tax-Free Income Fund, JPMorgan Tax-Free Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income l'und and JPMorgan NJ Tax Free Income Fund held in the Bank's mist accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate' mans an amount returned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents the portion of servicing foes paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00003690 SDNY_GM_00272888 EFTA01482551