EFTA01497460.pdf

March 01, 2006 - I NES, LIC March 31,2006 JPMorgan 0 Primary Account Numbea Private Bank Page 7 of 23 Important Information about Your Statement Accounts are subject to the Genaal Terms For Accounts and Services and applicable appendices and account agnxinail: Your accounts. unless other se indic.atedon the statement. are held by JPMorgan Chase Bank NA. (the "Bank"). Deposit &comas held at the Bank, including checking, savings, CD, and MOik, market accounts, are FDIC insunxl. In Case of Erron or Questions About Your Electronic Funds Transfers (personal accounts mill Telephone or write to the Bank if you think your statement or mop is %TON. Of if you need more mormation 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 front you no later than 60 days after we sent you the FIRST internalon which the error or problem appeared. • Tell us your name and account numbs. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the transfer you arc unsure about. JPMorgan Private Bank Client Service and explain as clearly os you can why you believe it is an 500 Stanton Christiana Road, I/OPS3 error or why you need more information Newark. DE 19713-2107 • Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 banns days to do this (20 business days %r transactions outside the U.S and point•of-sale transactions), we will recralit your account for the amount you think is in error so that you will have use of the money during the lime it takes us to complete our investigation. In Caw of Errors or Questions About Non Electronic Transfers Please examine your account at once. If you fed an error has takai place or have questions concerning a non-electronic transaction, telephone or write us within 30 days. The phone number is printed on the lion 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 arc not FDIC insured nor arc they obligations of or guaranteed by JPMorgan Chase Bank, N.A. 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. Use distributor of the JPMorgan Funds is JPMorgan Distribution Services, Inc.. which is an affiliate of JPMorgan Chase Bank, N.A.. JPMorgan Chase Bank. N.A., end its affiliates receive communion from JPMorgan Funds for providing services. Read the JPMorgan Funds prospectuses carefully for details. including fees and annum, before investing or standing money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund, Inc and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund. Inc. are not part of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P., which are unaffiliated with JPIslorgan, arc the fun& distributors and investment advisor, respectively. Reich Et Tang Distributors Inc. is a mac NASD. IRA Accounts Accounts where the Bank serves fas trustee or as discretionary instalment manager for an ERISA plan or an IRA that hold Fiduciary Shares (as described below) do not beer am portion of investment, administrative, custodian or other charges paid to the Bank or its affiliates for sunices to the applicable JPMorgan Funds since these charges are subject to rebate as defined below. For accounts where the Bank saves as trustee, or discretionary investment manager for an ERISA plan or an IRA, which hold shares in the JPMorvart Funds other than Fiduciary Shares, the Bank receives fees for services front the JPMorgan Funds but waives account fees with respect to the hinds so held. Fiduciary Shares are shares in the Select Shares clam of JPMorgan Tax Aware Large Cup Value Fund, JPMorgan US Equity Fund, JPMorgan Tax Aware US Equity Fund, JPMorgan Fax Aware Large Cap Growth Fund, JPAlorgan Mid Cap Equity Fund, 'Morgan Trust Small Cap Equity Fund, 'Morgan Fleming Intonational Equity Fund. JPMorgan Short Tam Bond Fund II. JPMorgan Bond Fund IL JPMorgrui Tax Aware Enhanced Income Fund. JPMorgan 'Fax Aware Short-Intermediate Income Find, WMorgan Intermediate Tax-Ern Income Fund, JPIslorgrm Tax-Free Income Fund. JPMorgan California Bond Fund. JPMcagan NY Intermediate Tax Free Income Fund and JPMorgan NJ Tax lax Income Fund held in the Hants trust accounts or in the Bank's investment managanan accounts for ERISA plans or IRAs. "Rebate means an amount returned by the Bank to the account which holds the Fiduciary Shares. The rebate amount represents thc portion of servicing fees paid to the Bank by the mutual fund with iespezt to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00020901 JPMorgan Chase CONFIDENTIAL SDNY_GM_00290099 EFTA01497460