EFTA Document EFTA01487959

October 01, 2004 - October 29,2034 Page 3 of 4 EPSTEIN INTERESTS Primary Account Number JPMorgan Private Bank Important Information about Your Statement Personal &comb are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Business accounts an: subject to the Tams and Conditions for Commercial Accounts or the (Ismael Terms For Accounts and Services Your accounts. unless otherwise indica-lion the btatema0. are held by JPMorgan Chase Bank (the 'Bank"). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts on Telephone or suite to the Bank if you think your statement or receipt is wrong. 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 gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days after we vat you the FIRST lineman on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfix you an: unsure about. and explain as clearly as you can why you believe it is an error or why you aced mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at II/Morgan Private Bank elicit Service 500 Stanton Christiam Road. I '0PS3 Newark. Dli 19711-2107 We will investigate your complaint and will correct any error promptly. If we take more that 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 takes us to complete our investigation. In Case of Errors 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 nonelectronic transaction. telephone or write us within 30 days. The phone number is primed on the front of this statanent. 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 hank 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 rnm en t or gm ernment 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 affiliatal with the Bank. The Bank and its affiliates receive compensation from the Whlorpan Funds for providing services to the funds. Read the JPMorgan Funds prospectuses carefully for details, including fees and expanses, before investing or smiling money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan Select Shares of the New Jersey 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 are unaffiliatal with WMorgast are the funds' distributors and investment advisor. Reich & Tang Distributors Inc. is a manba NASD. The Bank is not a registered broker-deals. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bank, is a manila of NASIYSIPC. IRA Accounts Accounts of the Bank as trumee, or ns discretionary bwestment manager for an ER1SA 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 beim established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or di retionary investment inanager for an EFUSA plan or an IRA. which hold staves in the 'Morgan Funds other than Fiduciary Shares, the Bank receives fees for :melees from the JPMorgan Funds but waives account flies with respect to the funds so held. 'fiduciary Shares' means shares of JPMorgan Select Funds and Institutional Sham of the WM/span Bond Fund II. 'Morgan Short-Tenn Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank tout 8CCOUMS or in discretionary investment managanent accounts at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Sham. The relate ;gnaw uprisen the portion of servicing fora paid to the Bank by the mutual fund with respect to Fiduciary Shahs. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009523 SDNY_GM_00278721 EFTA01487959