JPMorgan 0 Private Bank FINANCIAL TRUST COMPANY INC Account Number November 01. 2006 - November 30, 2006 In Case of Enors a Questions About Your Eteciconac Franste.s. Contact you, 44organ Teams one doe lekstahonenuntes on Me Sent Of trrn statement a wrap us al X0 Saheon ChratevhsRald MOPS, Next's. DE19213-2107 es seen as net Can. asst Moe tow statement w wrong a st you need mare miasmata:0 alaos A a bangle. cn the statement We mist her sr from )ou no later than 60 days after he sent sesu the FIRST Oaten's° t on which the era a acesiemapccetod (I) Teaus as name and account number (2)Desarbelhe ens a the bans(a)cuae unsure about and explan as catty as )vu can why you &etre,' V ta error or why soo need more Has motors (3)lea us the 0045, amount of Me suspected era. If you acc(fde( us wary,. )ov most send us you, COnanavli a (Mahan in wren? within TO 8000003 days in ode to einem* your esghts We tie most/gain raw conpla'nt and w4 came t any once peavey Uwe rake may than ICI Ousv.ess days fo do Ma (20days fa ...chases ussn; w dead caida for mkonsishonoleardachons), we still steal you account fa the amount scar Mn* a on ens" so Mat yOti wa have the use a' money during Me lane a takes us fo complete our nyestgaban In case of aeon or quesbons about your SISOMOOt including your Me of credit. If you Ms* that sous statement's exarect .ov need rive rdarnabon about a fransector on tout statement mciochnp a Me of credd tram:debar. you most onto to us On a Separate sheet crescnbno tie errs and send a to JPMorgan F Is Nate Sank 500 Stanton ClvistianaRoad hops3. 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Ice detests 's, each raissacten Al we request assets nay be reneeleethereneventhoagh Me/ ateheel Oy a Mid oany unaffbiredwal JMInagan In suCh case assess .07)Magan Ogienstse *yen JPMorgan net nOttlap0,,Ptarykr lie retbCebOn vaWabOn sareeeepago• nanagenureol fh,Sta assets Pease rev reW you. Statement prompay and /tear, any dacrepanoosurrnedatelyto en account dike whose name appears on tie contact paged the statement The JPAlotgan Funds or The JPIsforganIntautional Funds or The American Century Funds Snares of the catch are not bank deposes and arena guaranteed by any bank govranententey, a The FO/C RON/0800 shelepnCe Nausea and red...when eaaaarnay be mere a leas than axons Cgs! Wneteete malty matter( bonds seen° 'tenter, a stab* net asset valued St CO pee share Maya no assurance that they wa ocnbnuelo do so ineetesmate annueennoome and dydend yeti faures to mutual funds monawsellhe funds' most feCentnaCenedfredandennualr200 The datnbuaa at me JPMorgan Fads ss siFatortran 001000000 Sanas Inc when a an ebbs/ea JblAavan Chase San* NA Jnalagan Chase Sank NA end as 1088960 iewrecompensat.yr from JPMorgan Funds kr prorating seven Amencen Canary nnesanen, &mans. Inc a the astabuta of the American Century Funds American Century Investment Management Inc series as investment advisor to !a respective/um' lamb and receyesconeensefen aom !net fuld ferny/a posedng investment advuayand ethos set wiles JPMS1 a the custodian d listed opbal and matt rattail funds educing Med patty melte' funds. purchased th,OughJPMSI You shout, haverecervedsepaaFJFMSt con& rnabons fa each secontestansacton Alt transectens we su.ect ti the terre and condacns stated on the fever se &deo, sub contematons and ensue/eta to the oonsbloton by-laws. customs and inferpretabonsof the madetotaCesshere executed and gananelby end construed to accadance wen the eaa of the Saab of New eon, and al aptesratnededtvallaws and segtnahsen Funnel fracarnahOn wan respect to corn/mesons and ogle. ~gee related tO the execution."' Peas made.; options transactans has teen eckded on contrnabons That worepreyousfylormshed to you Upon were° request 'ANSI mg ptomptiy supply you with the latest such intonate., Snare...Mend cerfasn.d.. Funds asecnirgel a red...fp:on tee equal to Si ce the proceeds 't they e.changea recteemshares of such funds wt.,. 60 days of purchase subset ro cerfaine.doptens set teeth of led prospectus of Etas apoteatgeFuni ROMIC003/4 Ida JPMorgan repesentatsvelor a list of the JPM Funds That impose redemption tees. Page 18 of 22 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00033540 SDNY_GM_00302738 EFTA01508315