EFTA01482568.pdf

January 01,2005 - Jeffrey E Epstein January 31,2005 Primary Account Number JPMorgan Private Bank Page 8 of S Important Information about Your Statement Personal accounts are subject to the Deposit Accounts Agreement or the General Tams For Accounts aid 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 WMorgan 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 Rinds Transfers (personal accounts only) Telephone or ante to the Bonk if you think your statement 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 pnnted on the front of this statement The address for inquirirn appears below. We must hear from you no later than 60 days after we sent you the rattsT statement on which the error or problem appeared. • Tell us your name and account rumba. Plisse direct all inquiries to your Morgan Accrued Of at •13escribe the mar or the transfer you arc UM= AEOLIC JPMorgan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road, 1/O13S3 error or why you need more information. Newark, DE 19713-2107 • Tell us the dollar amount of the suspected arm. 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 transactions outside the U.S. and point-of-sale transactions), ne will nrcredit your account for the amormt you think is in error so that you will have use of the money 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 non-electronic transaction. telephone or write us within lit 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 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 JPAlorgan Chase Bank, N.A. or its affiliates or any federal or state gm ernment or government agency 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 lilviorgan Funds is IP. Morgan Funds Distributor. Inc. which is not alliliated with the Bank. the Bank and its affiliates receive compensation from the JPMorgan Funds for providing =Vices to the funds. Raid the ;Morgan Funds prospxtuses carefully for details including fees and impasse:, before investing or sending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Interne Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund, Inc. arc not part of, or affiliated with. the JI'Morgan Family of Mutual Rusks. Reich & Tang Distributors Inc. and Reich & Tang Asset Managemett L.P.. which are unalfiliatial with WMorgan. an: the funds' distributors and investment 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 Shams (as described below)do not bear any portion of investment. administiative.cuilodian or other charges paid to the Bank or its affiliates for se vices to the applicable JPfiforgan Funds since these charges arc subject to rebate as defined below. For accounts where the Bank senes as trustee, or discretionary investment manager for an ERISA plan or an IRA. %%tech hold shares in the JPMorgan Funds other than Fiduciary Shams, the Bank receives fees for services from the JPMorgan Funds but waives account fax with respect to the funds so hekl. Fiduciary Shares are shares in the Select Shams class of 'Morgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan 'fax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund, JPMorgan Mid Cap FAIW0 Fund. JPMorganTrust Small Cap Equity Fund. .1PMorgan Renting International Equity Fund. 'Morgan Short Term Bond Fund II, JI'Morgan Bond Fund II, 119Aorgiin 'fax Aware Enhanced Income Fund, JPMorgan Tax Aware Short-Intermediate Income Fund. JI'Morgan Intermediate Tax•Free Income Fund. JPMorgan Tax•IYx Income Fund. 'Morgan California Bond Fund. lPMorgan NY Intermediate Tax Free Income Fund and JPMorgan Ni 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• mans 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 Shams. Confidential Treatment Requested by JPM-SDNY-00003707 JPMorgan Chase CONFIDENTIAL SDNY_GM_00272905 EFTA01482568