EFTA01495619

November 01,2W6- JEGE INC November 30.2006 JPMorgan 0 l'nman Account Munk Bank Private Page 3 of 3 Important Information about Your Statement Accounts arc subject to the General Terms For Accounts and Services and applicable appendices and account agrainents. Your accounts. unlms otherwise indicated on the statement, are held by JPMorgan Chase Bank, N.A. (delimit( Deposit accounts held at the Bank. including chinking, savings, CD, and money market accounts, arc FDIC instant In Case of Errors or Questions About Your Electronic Rinds Transfers (nenonal accounts oak) telephoneor write to the Bank d you think your statement or receipt is wrong, or if you nail more mlonnation about an electronic transaction on a statement or map. the phone number for inquiries is (mused on the front of this statonent The °Mem for inquiries appairs below. We must hair from you no Inter than 60 days atler 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 transfer you are unsure about. JPMorgan Private Bank Client Service and explain as clauly 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 promptly. If we take more than 10 business days to do this (20 business days for transactions outside the U.S. and point-of-mle transactions). we wilt recredit your account for the amount you think is in error so that you will have we of the money dining the time 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 nonelectronic transaction, telephone or write us within in days 'the phone number is printed on the front of Nis statement. The address appears above. lino repon is received within this period, your account will be considered Correa 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, 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 oh e ins estment risks, including the possible loss of the principal amount Invested. The distributor of the IFMorgan Funds is JPMorgan Distribution Ss-wives. 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 1Pb/formai Funds prospectuses awfully for details, including four and expetum. before investing or sending money. 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 & Tung Antet Management L.P., which are unaffiliated with JPMorgan, arc the funds' distributors and investment advisor. respectively. Reich & tang Distributors Inc. is a amber NASD. IRA Accounts Accounts where the Bank serves as tnsstee or as discretionary investment manages for an ERISA plan or an IRA that hold Fiduciary Shares (as tic nbed 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 JPMorgan Funds size these charges are subject to rebate as defined below. For accounts where the Bank rents as trustee, or dimmtiomuy investment managa for an ERISA plan or an IRA, which hold shares in the JPMorgan Funds other than Fiducimy Shares, the Bank receives fees for services from the JPMorgan Funds but waists account fees with respect to the funds so held. Fiduciary Sharm 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 1 rust Small Cap Equity Fund, 'Morgan Fleming International Equity Fund. IPMorgim Short Tam Bond Fund II, JPMorgan Bond Fund 11, JPMorgan Tax Aware Enhanced Income Fund, JPMorgan Tax Aware Shoffilmermedirne Income Fund, JPMorgan Intermediate Tax-Free Income Fund, JPMorgan Tax-Fm Income Fund, JPMorgan California Bond Fund. JPMorgan NY Intermediate Tax hoe Income Fund and 'Morgan NJ Tax Free Income Fund held in the Rank's 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 Ices paid to the Bank by the mutual fund with respect to Fiduciary Shares. Confidential Treatment Requested by JPM-SDNY-00018852 JPMorgan Chase CONFIDENTIAL SDNY_GM_00288050 EFTA01495619