EFTA01487774

November DI, 2002 - EPSTEIN INTERESTS November 29,2002 Primary' 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 Tams For Accounts mid Services. Business amounts are subject to the terms and Conditions for Commercial Accounts or the General Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the "Bade"). Deposit accounts held at the Bank, including checking. sasings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or wine to the. Bank if you dunk your stamen( or receipt is wrong. or H you need more mlonnation 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 inquirim appears below. We must hear from you no later than 60 days attic we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account numbs. Plisse direct all inquilies to your Morgan Accusal( Officer at •1)escribe the mar or the transfer you arc unsure RhOUI JPMorgan Private Bank Client Service and explain as clearly 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 ems. We will investigate your complaint and will correct any error pomptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.5. and point -sale transactions), we will nxrcdit your account for the amount you think is in error so that you will -of have use of the RIOMY Ming the tune it takes us to complete our investigation In Case of Erron or Questions About Non Electronic Transfers Please examine your account al once. If you feel an error has taken place or have questions 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. lino report is received within this period. your account will be considered correct Mutual Rinds/SecurItle% 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 recave compensation from the JPMorgan Funds for providing services to the kith. Read the ;Morgan Funds prospaauses carefully for details. including fees and cermet, before investing or mending money. JPMorgan Select Shams of the Connecticut Daily Tax Free Income Fund. Inc. and JPMorgan Select Shams of the New Jersey Daily Municipal Income Fund. Inc. arc not part of, or affiliated with, the JPIslorgan Family of Mutual Funds. Reich et Tang Distributors Inc. and Reich it 'fang Asset Management L.P., which are unaffiliated with JPMorgan. are the fund? distributors and investment advisor. Reich R Tang Distributors Inc. is a member NASD. The Bank is not a registered broker-dealer. Securities transactions may be through JPMorgan Fund 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 descntied below) do not bear any portion of investment, 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 delmal below. For accounts of the Bank as trustee, or discretionaty investment manager for an IERISA plan or an IRA. which hold shams in the JPMagan Funds other than Fiduciary Shares, the Bank receives fees for services from the JPMorgan Funds but waives account foes with respect to the dads so held. "flduciay Shares" miens shares of IPMorgan Select Funds and Institutional Shares of the JPMorgan Bond Fund II, JI'Morgan Shore-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and JPMorgan Large Cap Equity Fund held in Bank trust accounts or in discretionary investment management accounts at the Bank held by ERISA plans or IRAs. 'Rebate means an amount manual by the Bank to the account which holds the Fiduciary Shares The rebate amount represents the portion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00009338 JPMorgan Chase CONFIDENTIAL SDNY_GM_00278536 EFTA01487774