EFTA Document EFTA01487963

October 01,2004 - October 29,2004 Page 3 of 3 EPSTEIN INTERESTS Primly Account Numbs. JPMorgan Private Bank Important Information about Your Statement Personal accounts arc 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 Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13ratk"). 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 Funds Transfers (personal accounts only! Telephone or wnte to the Bank if you think your stamen( or receipt is wrong. or it you need more mlonnation about an electronic transaction on a statement or receipt The phone number for inquiries is pruned on the front of this statement The address for inquirite appears below. We must hear from you no later than 60 days attar we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account mamba. • I/a:scribe the cam or the transfer you arc unsure about, 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 MIX Plana direct all inquilies to your Meagan Acosta( 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 pimply 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 error so that you will have use of the money dunag 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 nonaeleetrome transaction. telephone 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 Rinds/Securities Securities (including Mutual Rinds) and annuities am not bank deposits and are not FDIC insured nor are they obligations of or guaranteed by JPMorgan Chase Bank, or its affiliates or any federal 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. winch is not affiliated with the Bank. the Bank and its affiliates recOve compensation from the In/forgot Funds for providing services to the funds. Read the ;Morgan Funds prospxtuses carefully for details. including fees and impasse:, before investing or mailing money. JPMorgan Select Shoats of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the JPItlorgan Family of Mutual Funds. Reich it Tang Distributors Inc. and Retch R Tang Asset Management L.P., which are unaffiliated with JPMorgan. are the fund? distributors and investment advisor. Reich & Tang Distributors Inc. is a menhir NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Rind Distributors. Inc. a subsidiars of the Bank. is a member of NASD/SIPC. IRA Accounts Accounts of the Bank as trustee, or as discretionary investment manager for an FRISA plan or an IRA that hold Fiduciary Shares (as desenbed 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 defiled below. For accounts of the Bank as trustee, or discretional!): investment manager for an IERISA plan or an IRA. which hold shams in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the hinds so held. "fidutitay Shams" mains shares of JPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan 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 remittal by the Bank to the account which holds the tidal:Say Shares The rebate anoint represents the portion of servicing fats paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009527 SDNY_GM_00278725 EFTA01487963