Epstein Secrets

or their affiliates (the "Morgan Comp anies"Imay provide administrative, custodial, sales, distribution or shareholderservic es to JPMorgan Funds, American Century Funds, or funds established, sponsored, advised , or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. JPMorgan Priva

rotection, which in cludes up to $100,000 of protection for cash, is providedby SIPC. As ofMarch 2004, the balanceof the protection is providedby a separateExcessSIPC SuretyBond issued by Cust omer Asset Protection Company. SIPCand excessSIPCprotection do not protect against losses f rom fluctuations in the valueof the sec

or their affiliates (the "Morgan Comp anies"Imay provide administrative, custodial, sales, distribution or shareholderservic es to JPMorgan Funds, American Century Funds, or funds established, sponsored, advised , or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. JPMorgan Priva

rotection, which in cludes up to $100,000 of protection for cash, is providedby SIPC. As ofMarch 2004, the balanceof the protection is providedby a separateExcessSIPC SuretyBond issued by Cust omer Asset Protection Company. SIPCand excessSIPCprotection do not protect against losses f rom fluctuations in the valueof the sec

or their affiliates (the "Morgan Comp anies"Imay provide administrative, custodial, sales, distribution or shareholderservic es to JPMorgan Funds, American Century Funds, or funds established, sponsored, advised , or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. JPMorgan Priva

rotection, which in cludes up to $100,000 of protection for cash, is providedby SIPC. As ofMarch 2004, the balanceof the protection is providedby a separateExcessSIPC SuretyBond issued by Cust omer Asset Protection Company. SIPCand excessSIPCprotection do not protect against losses f rom fluctuations in the valueof the sec

or their affiliates (the "Morgan Comp anies"Imay provide administrative, custodial, sales, distribution or shareholderservic es to JPMorgan Funds, American Century Funds, or funds established, sponsored, advised , or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. JPMorgan Priva

rotection, which in cludes up to $100,000 of protection for cash, is providedby SIPC. As ofMarch 2004, the balanceof the protection is providedby a separateExcessSIPC SuretyBond issued by Cust omer Asset Protection Company. SIPCand excessSIPCprotection do not protect against losses f rom fluctuations in the valueof the sec

or their affiliates (the "Morgan Comp anies"Imay provide administrative, custodial, sales, distribution or shareholderservic es to JPMorgan Funds, American Century Funds, or funds established, sponsored, advised , or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. JPMorgan Priva

rotection, which in cludes up to $100,000 of protection for cash, is providedby SIPC. As ofMarch 2004, the balanceof the protection is providedby a separateExcessSIPC SuretyBond issued by Cust omer Asset Protection Company. SIPCand excessSIPCprotection do not protect against losses f rom fluctuations in the valueof the sec

or their affiliates (the "Morgan Comp anies"Imay provide administrative, custodial, sales, distribution or shareholderservic es to JPMorgan Funds, American Century Funds, or funds established, sponsored, advised , or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. JPMorgan Priva

rotection, which in cludes up to $100,000 of protection for cash, is providedby SIPC. As ofMarch 2004, the balanceof the protection is providedby a separateExcessSIPC SuretyBond issued by Cust omer Asset Protection Company. SIPCand excessSIPCprotection do not protect against losses f rom fluctuations in the valueof the sec

or their affiliates (the "Morgan Comp anies"Imay provide administrative, custodial, sales, distribution or shareholderservic es to JPMorgan Funds, American Century Funds, or funds established, sponsored, advised , or managedby third parties, and the Morgan Companiesmaybe compensatedfor such services. JPMorgan Priva

rotection, which in cludes up to $100,000 of protection for cash, is providedby SIPC. As ofMarch 2004, the balanceof the protection is providedby a separateExcessSIPC SuretyBond issued by Cust omer Asset Protection Company. SIPCand excessSIPCprotection do not protect against losses f rom fluctuations in the valueof the sec