EFTA Document EFTA01487987

January 01,2005 - January 31,2005 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number. JPMorgan Private Bank Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Tams For Accounts mid Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Terms For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank. NA. (the "Bank") Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Ponds Transfers (personal accounts only! Telephone or write to the Bank if you dank your statement or receipt is "rung. or it you need more intonation 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 hear from you no later than 60 days albs we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account numb a. • Describe the mom or the transfer you arc IMO= ghoul, and explain us clearly as you can why you believe it is an armor why you need more information. • Tell us the dollar amount of the SILSOCCOXI error. Plats: direct all inquiries to your Morgan Accrual( Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark, DE 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 business days for tnunactions outside the U.S. and point-of-sale transactions), we will recredit your account for the amount you think is in error so that you will have use of the money dining 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 non-electronic transaction. telephone or write us within 10 days. The phone number is primed on the front of this statement The address appears above. lino report is received within this period. your account will be considered correct. Mutual Fainds/Securitle. 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, N.A. or its affiliates or any federal or state gm ernment or government agent, or government sponsored agency. Securities (including mutual funds) and annuities invoke ins est ment risks, Including the possible loss of the principal amount Invested. the distributor of the lialorgan Funds is J.P. Morgan Funds Distributor. Inc. which is not affiliated with the Bank. the Bank and its affiliates receive compensation from the 'Morgan Funds for providing services to the funds. Raid the ;Morgan Funds prospxtuses carefully for details including fees and impasses, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income land, Inc. arc not pan of, or affiliated with. the Jilviorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Managemeit L.P.. which are unalfiliatal with WMorgan. an: the funds' distributors and ilIVCAMtI0 advisor. respectively. Reich & Tang Distributors Inc is a member NASD. IRA Accounts Accounts where the Bank serves 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 investment administative.cuilodian or other charges paid to the Bank or its affiliates for se vices to the applicable JPfsforgan Funds since these charges arc subject to rebate as defused blow. For accounts where the Bank serves as trustee, or discretionary investment manager for an ERISA plan or an IRA, which hold shares in thc.113Morgan Funds other limn Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives =omit fax with respect to the funds so heki. Fiduciary Shares are shares in the Select Shams class of 'Morgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan Tax Aware US Equity Fund, WMorgan Tax Aware Large Cap Growth Fund, JPMorgan Mid Cap FAO. Fund. JPMorgan mist Small Cap Equity Fund. JPMorgan Fleming International Equity Fund. JPMorgan Short Term Bond Fund II, ;Morgan Bond Fund II, JI'Morgun Tax Aware Enhanced Income Fund, JPMorgan 'fax Aware Short-Intermediate Income Fund. JI'Morgan Intermediate Tax-Free Income Fund. JPMorgan Tax-Free Income Fund JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax Free Income l'und and JPMorgan NJ Tax Free Income Fund held in the Bank's mist accounts or in the Bank's investment management accounts for ERISA plans or IRAs. 'Rebate mains an amount returned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents the portion of servicing foes paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009551 SDNY_GM_00278749 EFTA01487987