EFTA Document EFTA01482560

December 01, 2004 - Ikcember 31, 2004 Page 9 of 9 Jeffrey E Epstein Primae Account Number JPMorgan Private Bank Important Information about Your Statement Personal accounts age subject to the Deposit Accounts Agreement or the General Tams For Accounts ;tad Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General 'lerms 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, CI), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only) Telephone or ante to the Bunk if you think your statanent or receipt is wrong. or it you need more mlormation about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this matanent The address for inquiria appears below. We must hear from you no later than 60 days after we sent you the FutsT statement on winch the error or problem appeared. • Tell us sour name and account mantra. • lkscribe the mar or the transfer sou arc MDR= aloud, 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 SILS/CCDX1 Plats: direct all inquiries to your Morgan Accotsa Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark. DE 19713-2107 We will investigate your complaint and will correct any error pomptly If we take more than 10 business days to do this (20 business days for insertions 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 Erron or Questions About Non Electronic Transfers Please examine your account at once if you feel an error has taken place or have questions concerning a non-electronic transaction. telsphone or write us within 30 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 Flinds/Securitla Securities (including Mutual Funds) and annuities are not bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, N.A. or its affiliates or any federal or state gm ernment ur gosernment agents or goy ernment sponsored agency. Securities (including mutual funds) and annuities invoh e ins est ment risks, Including the possible loss of the principal amount invested. The distributor of the llalorgan Funds is J.P. Morgan Funds Distributor. Inc. which is not affiliated with the Bank. the Bank and its affiliates receive compensation from the JPMorgan Funds for providing services to the funds. Reid the JPMorgan Funds prospectuses carefully for details including fees and armee:, before investing or rending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and Whimper' Select Shams of the New Jersey Daily Municipal Income Fund, Inc. arc not part of, or affiliated with. the Jildorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Managemeit L.P.. which are unaffiliated with JPMorgan. an: the funds' distributors and investment advisor. respectively. Reich & Tang Distributors Inc is a member 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 bear any portion of investment administrative.cuilodian or other charges paid to the Bank or its affiliates for se vices to the applicable JPMorgan Funds since these charges arc subject to rebate as &armed below. For accounts where the Bank serves as trustee, or discretionary investment manager for an ERISA plan or an IRA. which hold shares in the .113Morgan Funds other lien Fiduciary Shares, the Bank receives ices for services from the JPMorgan Funds but waives account fees with respect to the funds so hell Fiduciary Shares are shares in the Select Shams class of 'Morgan Tax Aware Large Cap Value Fund. JI'Morgan US Equity Fund, 'Morgan 'fax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund, JPMorgam Mid Cap FAIUD) Fund. JPMorgan Test Small Cap Equity Fund. .IPMorgan Fleming International Equity Fund. 'Morgan Short Term Bond Fund II, ;Morgan Bond Fund II, 'Mown Tax Aware Enhanced Income hal, JI'Morgan Tax Aware Short-intermediate Income Fund. JI'Morgan Intermediate Tax-Free Income Fund. JI'Morgan Tax-Free Income Fund. JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax Free Income Fund held in the Bank's mist accounts or in the Bank's treatment management accounts for ER1SA 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 firs paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00003699 SDNY_GM_00272897 EFTA01482560