October 30,2034 - November 30, 2004 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number JPMorgan Private Bank Important Information about Your Statement Personal accounts are subjet to the lkposit Accounts Agreement or the General Terms For Accounts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services. Your accounts. unless otherwise indicarl 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 accotuus, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onbi Telephone or write to the Bank if you think your simantint or receipt is wrong. or if you need more nomination about an electronic transaction on a statement or receipt. The phone number for inquiries is printed on the front of this gateman 11w address for inquiries appears below. We must hair from you no later than 60 days alter we sent you the FIRST siaternat on which theater or problem appeared. • Tell us your name aid account number. • l)cscribe the error or the transfer you an: unsure about. and mylain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the arspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank Client Service 500 Stanton Christiana Road, IAN'S; Nenark. DE 19713-2107 We will investigate your complaint and will correct any anon promptly. If we take more than 10 business days to do this (20 business days for transactions outside the U.S. and point-of-sale tran.sactions), we will ratan your account for the amount you think is in error so that you will have use of the money during the time it takes 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 que9tons concerning a non-electronic transaction. telephone or write us within 30 clays. 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/Securides Securities (including Mutual Funds) and annuities are not hank 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 gm ernment agency or government sponsored agency. Securities (including mutual funds) and annuities ins oho im cement risks, including the possible loss of the principal amount invested. The distributor of the WMorgan Funds is J.P. Morgan Funds Distributor, Inc. which is not affiliated with the Bank. 11w Bank and its affiliates receive compensation from the JPMorgan Funds fin providing services to the funds. Read the JI'Morgan Funds Forman:a carefully for grails including fees and expenes, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and .IPMorgm Select Shares of the New Jersey Daily Municipal Income Fund, Inc. are not pat of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asps Managanent L.P.. which are manlier) with JPMorgan. are the funds' distributors and investment advisor. respectively. Reich & Tang Distributors Inc. is a mind-I-NASD. IRA Accounts Accounts where the Bank serves as truswe or as disaetionary investment manager for an FRISA plan or an IRA that hold Fiduciary Shams (as describe] Mow) do not bar am portion of investment. administrative. custodian or other charges paid to the Bank or its affiliates for services to the applicable JPMorgan Funds since these charges are subject to rebate as defmcd below. For accounts where the Bank saves as mina, or di:reraa ). invatment manager for an ER1SA plan or an IRA. which hold shares in the JPMorgan Funds other than Fiduciary. Shares, the Bar& receives fees for services from the JPMorgan Funds but waives account fees with respect to the funds so held. Fiduciary. Shares are shams in the Select Shares class of JI'Morgan Fax Aware Large Cap Value Fund, JPMorgan US Equity Fund, 'Morgan 'fax Aware US Equity Fund, JPMorgan Tax Aware Large Cap Growth Fund. JPMorgan Mid Cap Equity Fund. JPMorgan Trust Small Cap Equity Fund. JPMorgan Fleming International Equity Fund, JI'Morgan Short Tam Bond Fund II, JPMorgan Bond Fund II, WMorgrut 'lax Aware Enhanced Income Fund, 'Morgan Tax Aware ShorbIntemailiate Income Fund, JPMorgan Intermediate Tax-Free Income rind. JPMorgan Tax-Free Income Fund. JI'Morgan California Bond Fund. JI'Morgan NY Intermediate Tax Free Income Fund and.IPMorgrm NJ Tax Free Income Fund held in the Bank'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 Wm account which holds the Fiduciary Shares. The rebate amount represents the portion of 9axieing fees paid to the Bank by the muted fund with respect to Fiduciary Shares Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009533 SDNY_GM_00278731 EFTA01487969