EFTA Document EFTA01487952

October 01,2004- I EPSTEIN INTERESTS October 29,2034 Page 3 of 4 Primary Account Number. 003-118912 JPMorgan Private Bank Important Information about Your Statement Personal accomws are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accounts or the (Ismael Trims For Accounts and Services Your accounts. unless otherwise indica-1ton the Stab:mutate held by JPMorgan Chase Bank (the -Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accotuus, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onyx) Telephone or write to the Bank if you think your statement or receipt is wrung. or if you need more intimation 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 hair fmm you no later than 60 days after we mot you the FIRST riatemau on which the error or problem appeared. • Tell us your name and account number. • Describe the ern or the transfix you an: unsure about. and explain as clearly as you can why you believe it is an error or why you iced mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank elicit Service 500 Stanton Christiana Road. UCH'S; Newark. DIE 19711-2107 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 transactions outside the U.S. and point-of-sale tran.sactions), we will recrcdit your account for the amount you think is in error so that you will have use of the money during the time it Takla us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at once. If you feel at error has taken place or have queritons concerning a nonelectronic transaction. telephone or write us within 30 days. 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/Securities 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 or its affiliate, or any federal or state gm e rom en t or gosernment 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 affiliatial with the Bank. The Bank and its affiliates receivecompensation from the 3I'Morgan funds for providing saviors to the funds. Read the Mriorgan Funds prorixxturia c.arefully for details, including fees and ex-runes, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jassy Daily Municipal Income fund, Inc. are not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliatal with JI'Morgat are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manha NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a manlier of NASIYSIPC. IRA Accounts Accounts of the Bank as melee, or ns discretionary bweriment manager for an EIUSA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any portion of investment. administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for which a rebate process has been established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or dimetionary uwemment manager for an ERISA plan or an IRA. which hold AWICS in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for warms from the JPMorgan Funds but waives account fees with respect to the funds so held. "fiduciary Shares' means shares of JPMorgan Select Funds and Institutional Shona of the 1Morgan Bond Fund II. WMorgan Short-Tam Bond Fund II. JPMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank bust 8CCOUMS or in discretionary investment managanent accomus at the Bank held by ERISA plans or IRAs. "Rebate means an amount returned by the Bank to the account which holds the Fiduciary Shores. The relate anoint mimeses the portion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Shona. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009516 SDNY_GM_00278714 EFTA01487952