EFTA Document EFTA01487984

January 01, 2005 - January 31,2005 Page 3 of 3 EPSTEIN INTERESTS Primary Account Nuinbet ° JPMorgan Private Bank Important Information about Your Statement Femur accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accounts and Saone& liminess accounts an: subject to the Tams and Conditions for Commercial Accowits or the General Terms For Accounts and Services. Your accounts- unless otherwise indicarl on the Statement. we held by JPMorgan Chase Bank. N.A. (the "Bank'). Deposit accounts held at the Bank, including checking, savings, CD, and money market accotous, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to the Bank if you think your statement or receipt is wrong. or if you need more intormation about an electronic transaction on a statement or rapt The phone number for inquiries is printed on the front of this gateman. 11w address for inquiries appears below. We must hair fmm you no later than 60 days after we sent you the FIRST Antrim on which the error or problem appeared. • Tell us your name aid account number. • Describe the error or the transfer you an: unsure about. and explain as clearly as you can why you Mieve it is an error or why you need mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Hunk Client Service 500 Stanton Christiana Road. IAN'S; Newark. DIE 19713-2107 We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this (20 dances days for transactions outside the U.S. and point-of-sale tran.sactions), we will reedit 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 clays. 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 hank 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 government or gm eminent agency or government sponsored agency. Securities (including mutual funds) and annuities ins eke investment risks, including the possible loss of the principal amount Invested. The distributor of the ;Morgan Funds is J.P. Morgan Fumes Distributor, Inc. which is not affiliatel with the Bank. 11w Bank and its affiliata receive compensation from the JPIVIorg.an Funds for providing services to the funds. Read theWickman Funds Forman:in carefully for grails including fees and expires, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shares of the New Jersey Daily Municipal Income Fund, Inc. are not pm of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Managanent L.P.. which are unaffiliated with JPMorgan. are the funds' distributors and investment advisor. respectively. Reich & Tang Distributors Inc. is a membaNASD. IRA Accounts Accounts where the Bank serves as truswe or as disaetionary investment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as describe] Mow) do not bear am portion of raiment. administiative. custodian or other charges paid to the Bank or its affiliates for services to the applicable JPMorgan Funds since these charges are subject to rebate as defined Mow. For accounts where the Bank saves as mew, or discretionary investment manager for an ER1SA plan or an IRA. which hold shares in the JPMorgan Funds other than Fiduciary. Shares, the Bar& receives fees for services front the JPMorgan Funds but waives account fees with inspect to the funds so held. Fiduciary. Shares are shares in the Select Shares class of 'Magni Fax Aware Large Cap Value Fund, JI'Morgan US Equity Fund, JI'Morgtm 'fax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund. JPMorgan Mid Cap Equity Fund. JPMorgan Trust Small Cap Equity Fund. JPMorgan Fleming International Equity Fund, JI'Morgan Short Tam Bond Fund II, JPMorgan 13ond Fund II, JPMorgan 'lax Aware Enhanced Income Fund, JPMorgan Tax Aware Shin-IntemmJiate Income Fund, JPMorgan Intermediate Tax-Free Income rind. JPMorgan Tax-Free Income Fund. JI'Morgan California Bond Fund, li'Morgan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax Free Income Fund held in the Bank's trust accounts or in the Bank's investment management accounts for IIRISA plans or IRAs. "Rebate- means an amount returned by the Bank to tiw account which holds the Fiduciary Shares. The rebate amount repress its the portion of servicing fir paid to the Bank by the muted fund with respect to Fiduciary Shares Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009548 SDNY_GM_00278746 EFTA01487984