EFTA01503311.pdf

November 01, - ZORRO TRUST November 28,2003 Primly Account Number. JPMorgan Private Bank Page 3 of 3 Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tenns For Accounts and Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the (kneel Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the "Bad:"). 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 Funds Transfers (personal accounts only! Telephone or ante to the Bank if you think your statement or receipt is wrong. or H you need more lamination 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 eta we sent you the Futs'r statement on which the error or problem appeared. • Tell us your name and account mantra. Plitt direct all inquiries to your Morgan Accuser( Officer at •13escrilic the enor or the transfer sou arc unsure AEOLIC JPMorgan Private Bank Client Service mid explain racially as 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 pimply If we take more than 10 business days to do this (20 business days for transactions outside the (1.S. and point-of-sale transactions), we will nxredit your account for the amount you think is in arar so that you will have use of the RIOMY during 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 con-electronic 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 comet. Mutual Rinds/Securities 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, 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. which is not affiliated with the Bank. Ile Bank and its affiliates receive compensation from the in/forge' Funds for providing services to the funds. Read the ;Morgan Funds prospectuses carefully for details. including fees and ecpunt, 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. arc not part of, or affiliated with, the JPIrlorgan Family of Mutual Funds. Reich it Tang Distributors Inc. and Reich R Tang Aar* Management L.P., which are unaffiliated with JPMorgan, are the fund? distributors and investnart advisor. Reich & Tang Distributors Inc. is a maybe NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Rusil 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 ERISA plan or an IRA that hold Fiduciary Shares (as (resented below) do not bear any portion of investmait, 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 dolma below. For accounts of the Bank as trustee, or discretionaiy investment manager for an EIUSA plan or an IRA. which hold shares in the JPMorgan Funds Ma than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the fads so held. "fiduciary Shares" moms shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JPMorgan Short-Tenn Bond Fund II. JR./Fagan Intermediate Bond Fund II. and JPMoiwm Large Cap Equity Fund held in Bank trust accounts or in discretionary investment managunent accounts at the Bank held by ERISA plans or IRAs. 'Rebate nuns an amount Yumed by the Bank to the account which holds the Fiduciary Shares The rebate amount represents the portion of servicing fats paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00027919 JPMorgan Chase CONFIDENTIAL SDNY_GM_00297117 EFTA01503311