EFTA01482462.pdf

January 11, 2094 - Jeffrey E Epstein Febmary 27, 2004 Primary Account Number ° JPMorgan Private Bank Page 8 of 8 Important Information about Your Statement Personal accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accounts or the Genial Tams For Accounts and Services Your accounts. unless otherwise indicated on the Statement. are held by JPMorgan Chase Bank (the -Bank-). Deposit accounts held at the Bank, including checking, savings, CD, and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts ouN Telephone or write to the Bank if you think your statement or receipt is wrung. or if you need more intimation about an electronic transaction on a statement or receipt. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days aria we vat you the FIRST statement on which the error or problem appeared. • Tell us your name and account number. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the transfer you an: unsure about. JI'Moigan Private Bank Client Service and explain as clearly as you can why you believe it is an 500 Stanton Christiana Road. I /CIPS3 error or why you iced mote information. Newark. DIE 19711-2107 • 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 business days to do this (20 business days for transactions outside the D.S. and poinnof-sale tran.sactions), we will recrcdit your account for the amount you think is in error so that you will have use of the money during the time it Takla 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 queritons concerning a non-electronic transaction. telephone or write us within 30 days. 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 Clime Bank or its affiliates or any federal or state gm erom en t or gm ernment 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 affiliatml with the Bank. The Bank and its affiliates receive compensation from the Whlingan Funds for providing sortices to the funds. Read thelPtslorgan Funds prospectuses carefully for derails, including fees and expenses, before investing or scaling money. 1PMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and Woman Select Shares of the New Jersey Daily Municipal Income fund, Inc. are not pan of, or affiliated with, the 3Morgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P.. which an: unaffiliated with 1PMorgast are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manha NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a manila of NASIYSIPC. IRA Accounts Accounts of the Bank as trumee, or ns discretionary bwestment manager for an EIUSA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any portion of investment. administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for which a rebate process has been established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee. or discretionary investment manager for an EFUSA plan or an IRA. which hold shares in the JPMorgan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so held. "fiduciary Shares' means shares of JPMorgan Select Funds and Institutional Shares of the 1PMorgan Bond Fund II. 'Morgan Short-Tam Bond Fund II. 1PMorgan Intermediate Bond Fund II. and 3Morgan Large Cap Equity Fund held in Bank tout accounts or in discretionary investment management accomas at the Bank held by ERISA plans or IRAs. "Rebate' mans an amount returned by the Bank to the account which holds the Fiduciary Sham. The rebate amount Femmes the portion of servicing fan paid to the Bank by the mutual fund with respect to Fiduciary Sham. Confidential Treatment Requested by JPM-SDNY-00003601 JPMorgan Chase CONFIDENTIAL SDNY_GM_00272799 EFTA01482462