EFTA01514095.pdf

November 01,20O - I NEW YORK STRATEGY GROUP, (SC November 30.2005 JPMorgan 0 Primary Account Number Bank Private Page 6 of 6 Important Information about Your Statement Accounts are subject to the °maid Terms For Accounts and Services and applicable appendices and account flaws-meats. Your accounts. unless otherwise indicated on the statement, are held by JPMorgan Chase Bank, N.A. (the *Bank' Deposit accounts held at the Bank. including checking, savings, CD, and money market accounts, are FDIC instant In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts only) telephoneor write to the Bank d you think your statement or receipt is wrong, or if you need more inlonnatan about an electronic transaction on a statement or map. the phone number for inquiries is pruned on the front of this statement The &Adze% for inquiries appairs below. We mint hair from you no late then 60 days atter we sent you the FIRST statement on which the error or problem appeared • Tell is your name and account number. Please direct all inquiries to your Morgan Account Officer at • Describe the error or the transfix you are unsure about. JPMorgan Private Bank Client Service and exilain as clearly as you can why you believe it is an 500 Stanton Christiana Road, PORS3 error or why you need more information. Newark, DE 19713-2107 • Tell us the dollar amount of the suspected mot 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-site transactions). we will recredit your account for the amount you think is in error so that you will have we of the money during the time it takes us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please exanine your account at once. If you feel an error has taken place or have questions concerning a non-41,room transaction, telephone or write us within in days The phone number is printed on the front of this statement. The address appears above. lino repon is received within this period, your account will be considered correct. Mutual Finds/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, N.A. or its affiliates or any federal or state government or government agency or gosemment sponsored agency. Securities (including mutual funds) and annuities ins e ins estment risks, including the possible loss of the principal amount Invested. The distributor of the IPMorgan Funds is JPMorgan Distribution Saviors. Inc.. which is an affiliate of JPMorgan Chase Bank. N.A.. JPMorgan Chase Bank, N.A.. and its affiliates receive compensation from JPMorgan Funds for providing smites. Read the JPMorgan Funds prospectuses carefully for details, including bath and exp.:mia before investing or sending Macy. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund, Inc. and JI'Morgan Select Shares 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 Amet Management LP, which are unaffiliated with JPMorgan, arc the funds' distributors and investment advisor, respectively. Reich & 'fang 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 deecnbal below ) do not bear any portion of investment, administrative, custodian or other charges paid to the Bank or Its affiliates for services to the applicable Jl'Morgart Funds since these charges are subject to rebate as defined below. For accosts where the Bank seises as Uustee, or dimmtionirry investment managa for an ERISA plan or an IRA, which hold shams in the JPMorgan Funds other than Fiducimy Shares, the Bank receives fees for services from the JPMorgan Funds but warms account fees with respect to the funds so held. Fiduciary Sharth are shares in the Select Shares class of JPMorgan Tax Aware Large Cap Value Fund, JPMorgan US Equity Fund. JPMorgan Tax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund. JPMorgan Mid Cap Equip Fund. JPMorgan I rust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. IPMorgtin Short Tenn Bond Fund II, JPMorgan Bond Fund II. JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Shan-Intermediate Income Fund, JPMorgan Intermediate Tax-Free Income Fund, JPMorgan Tax-Fm Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax hue Income l'und and 'Morgan NJ Tax Free Income Fund held in the Ranks trust accounts or in the Bank's investment management 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 the portion of servicing It paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00040242 JPMorgan Chase CONFIDENTIAL SDNY_GM_00309440 EFTA01514095