November 29, 2003 - December 31,2003 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number ° JPMorgan Private Bank Important Information about Your Statement Personal accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accounts or the Gemini Terms For Accounts and Services Your accounts. unless otherwise indica-a on the Statemen t. are held by JPMorgan Chase Bank (the liank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to the Bank if you think your statement or receipt is sating. or if you need more automation about an electronic transaction on a statement or receipt. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days after rent you the FIRST sideman on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfix you an: unsure about. and explain as clearly as you can why you believe it is an error or why you need mote information. • Tell us the dollar amount of the arspected error. Please direct all inquiries to your Morgan Account Officer at II/Morgan Private Bank Client Service 500 Stanton Christiana Road, I 'OPS3 Newark. DE 19711-2107 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-sale tran.sactions), we will recrcdit your account for the amount you think is in error so that you will have use of the money during the time it aka us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at once. If von feel an error has taken place or have queatons concerning a nonelectronic transaction. telephone or write us within 30 days. 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/Securities 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. or its affiliates or any federal or state gm e rom en t or got ernment 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 affiliatial with the Bank. The Bank and its affiliates receive compensation lion the WhItagan Funds for voiding aavices to the funds. Read the ,IPtslorgan Funds promatusa carefully for derails, including fors and expanses, before investing or sending money. JPMorgan Select Shares of the Connecticut Daily Tax Free Income Fund. Inc. and 'Morgan Select Shares of the New Jersey Daily Municipal Income Fund, Inc. are not pan of, or affiliated with, the JPMorgan Family of Mutual Funds. Reich & Tang Distributors Inc. and Reich & Tang Asset Management L.P., which are unaffiliatal with WMorgan. are the funds' distributors and investment advisor. Reich & Tang Distributors Inc is a manha NASD. The Bank is not a registered broker-Jailer. Securities transactions may be through JPMorgan Fund Distributors, Inc a subsidiary of the Bole, is a manlier of NASIYSIPC. IRA Accounts Accounts of the Bank as mom or as discretionary investment manager for an ERISA plan or on IRA that hold Fiduciary Shares (as described below) do not bear any portion of investment. administrative, custodian or other charges paid to the Bank or its affiliates for services to 'Morgan Funds for which a rebate process has been established since these charges are subject to rebate as defined below. For accounts of the Bank as trustee, or dimetionaQ- II/WAR/CM manager for an ERISA plan or an IRA. which hold Ala/CS in the 'Mown Funds otter than Fiduciary Shares, the Bank receives fees for services front the JPMorgan Funds but waives account flies with respect to the funds so held. "fiduciary Shares' means shares of Whlorgrai Select Funds and Institutional Shwa of the JPMorgan Bond Fund II. 'Morgan Short-Term Bond Fund II. JPMorgan Intermediate Bond Fund II. and Woman Large Cap Equity Fund held in Bank bunt aCCOUMS or in discretionary investment management accoaus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount returned by the Bank to the account which holds the Fiduciary Sham. The rebate amount ram:sena the portion of servicing fees paid to the Bank by the mutual fund with respect to Fiduciary Shams. Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00009427 SDNY_GM_00278625 EFTA01487863