EFTA Document EFTA01487786

January 01,2003 - January 31,2003 Page 3 of 3 EPSTEIN INTERESTS Primly Account Number. I JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the amend Tenns For Accounts ;tad Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the Central Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the "Boil:"). Deposit accounts held at the Bank, including checking. savings, Cl), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts only! Telephone or xnte to the. Bank if you dank your stamen( or receipt is wrong. or it you need more mionnation about an electronic transaction on a statement or receipt The phone number for inquiries is primed on the front of this statement The address for inquiria appears below. We must hear from you no later than 60 days alter we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account mamba. • Describe the emir or the transfer you arc unsure about, and explain us 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 MM. Plata: direct all inquilies to your Mogan Accusal( Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark, DE 19713-2107 We will investigate your complaint arid will correct any error pomptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.5. and point-of-sale transactions), we will nxredit your account for the amount you think is in emir so that you will have use of the money Minns the tune it takes us to complete our investigation In Case of Erron or Questions About Non Electronic Transfers Please examine your account al once if you feel an error has taken place or have questions concerning a nonelectronic transaction. telephone or write us within lta 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 corral. Mutual Rinds/Securities Securities (including Mutual Rinds) and annuities an: not bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, or its affiliates or any fedend 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. The distributor of the JPMorgan Funds is JPMorgan Fund Distributors, Inc. which is not affiliated with the Bank. Ile Bank and its affiliates receive compensation from the JPMorgan Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and impalas, before investing or :raiding money. JPMorgan Select Shoats of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shuts of the New Jersey Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the Whlorgan Family of Mutual Funds. Reich sit Tang Distributors Inc. and Reich R Tang Asset Management L.P., which are unaffiliated with JPMorgan, are the fund? distributors and investment advisor. Reich R Tang Distributors Inc. is a member NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Rind Distributors. Inc. a subsidiary of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank 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 investmat administrative, custodian or other charges paid to the Bank or its affiliates for services to JPMorgan Funds for which a rebate process has been established since these charges are subject to rebate as dcfrial below. For accounts of the Bank as trustee, or discretionaty investment manager for an ERISA plan or an IRA. which hold shoats in the JPMagan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the finds so held. "fiducitay Shams" mans shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Tani Bond Fund II. JPMorgan Intamediate Bond Fund II. and JPMagan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managanent accounts at the Bank held by ERISA plans or IRAs. "Rebate means an amount lama' by the Bank to the account which holds the Fiduciao Shares The rthate (amount represents the portion of servicing fes,..s paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009350 SDNY_GM_00278548 EFTA01487786