JPMorgan 0 Private Bank FINANCIAL TRUST COMPANY INC Account Number February 01. 2007 - February 28, 2007 In Case of Errors a Questions About Your Electronic Frans fen. Contact you, btorgan ternat one of Me teretshonenuntees on the Sent Of It,,, statement a wrap us al X0 Saigon Ca abonoRalct lif)PC Newark. DE19213-2101 as soon as )ou Can. /Ku Mob /an statement ns with; a tr you needmare Warner:0 aloof a bansfe. err the statement laie most her r from )ou no Isla than 60 days after we sent you the FIRST steamer° t on which the era a problem apceered (I)Tegus wur name and account number (2)Deschbethe efface Me&rosterouae unsure about are I explaw as early as )vu can why you beteve,t is m error or why too need more Ha matter (3)lea us the does, amount of be suspected aria If you contact W terry,. you most send us your Complaint a @Meilen ei wren? within TO bosons days in ode' to raven* your nghts win mestigatewour cMpU'nt and wg carve t any traprornpny Uwe lake mono Men to ousv,ess days fo do Ina (20days fa eschews tam; )0V data ceder fa Vernithononansachons), we st,n cted1yoie account TO the amount tat MtnA a on ear" so that yOti min have the use a money during Me time A lakes us lo complete our wrestaatan In case of errors or quesbons about your Statement. including your Me of credit If you the* Mel Won statemento nor eataro/you need more rdarnation about a fransoctor on how statement matichnp a Ane of credo tram:each you most note to us on a separatesheet descrenng the erns and send 4 to JPMorgan Rnate Bank 500 Stanton ClratianeRoad Newark CE 19713-2107 Manus/ her torn you no clew than 60days aflame slakenent on when the antra protantoppetwedd sent Youcan contact )our cam, senrcespeosieltrif ceing so rano: peasenewir rights In Me env. aro* Provae Tp fabeong alconahon (I) you. home and 000Ount number. (2) tee dona, amount of the suspected era. and (3)a desofFt'X'01 tire ettcf at'd 0',04a grab 400 can, why you breve/here a an rta NKr. need mote racanaten )V1/ !mist describe the .tern opal an unsure afar( Important Intonation about Pricing and Vahanons LtevAerakernformstion Naming without antation aces exchange...es scoffed income and bond ratags) &mated haen hes been obtained ban sources that the Bank bet...rest° be relebteand b furnished fa the voterreuse of die caent The Bank makes no representation nanentYa gotennale egress°. inward that any eve& r atgexeeagag.cle The sot* ferny 40 which twmacton5 or sew/enmad be bought a eat/ a new transaarons MAO be entered inS aTp sat* terms on niter existing tronSaCtiOnnt secures mud be Aquidated The cur Feet aced Me waived the 'manor asset snare lint a contract as creed at the close attn. monetat the last nava the statement honed a the last ereatalathooe AO values pov dy. sPucteved pewddeposts(b'vane* finite/pan London Time Oeposts) reflect the onghrOeaat ath/Punt only Thecurrentvak.ela Rears'ste hharetInterests end thscef enters Assets may not rerectthe most current valuta the asset Valuatansof over arecoanfer denyeameansechons inctucOng certain ckinabvez4eb!eceeposrt products have been pi eparedon a marrivAet base These yetueronsweraceeneyales as &Meapse& business of fee doted this statementand except as °Ohne* eaverho bifofing These vetuatorodo not toore000rrise sags; ww at who., • ansac!ons or seournpo mod be bought a said a new Saha:bons °mad be cathedra,, a the delimit...re on want, booboo tarmac/ nor it.Cuntescout, be Seudated as °, the dated the statement We do not waren:Ow completeness a accuracy Mew valuatons wederived born propootaryradea based upon we., eccitncedtnancel pi:elopes end we luhe when necessaryto a:adatette present wheel future cash flows made reascnabio gametes about retwvant future moket condhons VaNations based on other models a deferent asSumptenS may rad chnerenti mots Megan ex p essh dacterns any 'veva:brew for (I)I)* *carat,' of The mcdeAs a estimates used in *Irving the vabrabons 12) any erase, omorons ocornpubng or &corona/op TP vieuahons and IPanyuses fo when tai eakahons age put VaAAVONs parcloita inIcanation purposes duly and no:ended sokryfa your own use Pseattnelee 10 me lade calf/ e. nfYde4M1s of each transaction Al fair request assets nay be reneardhereneventhowan thew ale ne.) rya Mid pony unaftietedwrh JP•Fagon In hen case unless JPM0egan Othern agrees JPVagen hat no reapCoht,/,tykr there.:~ valuation sarekeepopor nenagernerea ftWe assets Plea:err wew ,our statement ;rarefy ',Mahal any ascrepenoesurrnedustelyto an account career whose rameapperson Yecontact page of the statement. The JPAletgan Funds or The JPMorgan Institutional Funds or The American Century Funds Shares of the hinds are not bank depOS ts and are rot guar embed ty any bank government entey ache FDIC Rettienend share pnCe wG1 Nava* and fedempten Yetuiernay be here a less than airs lees! Wheel* malty matte( funds seen° /motor, * stab* net assetJelin:tanI CO per share. Mavis no assurance that they ha centavo.* do so Theeternate annualmcome and dividend reel figuresIce muturifiuncts waned/he funds' mot fecontmccenedfredendisnouslood The disrobing*, of the !MacNeil Funds is JPMorgan Oderboton Sena& Inc when is en atThste AttAavan Chase Sank N A JPMorgan Chase Bank NA end its iff Males ...cave conewensaton from JPIForgan Funds kr porde.; waxes Arne...con Cann°. Ineestinen, Se-Imes. Inc is fly cosribula of the American Century Funds AfrancenCenturylnveament Atanegement Inc series as erestment (area to is respective fund femly end rec.yesconeensefen nom the! &rid lam.? fa paean; investment edwzayand anon wages JPMS1 a the custodian cl listed options and moot medial funds adding Med party nhetilat funds PUMhasedlfrOughJPMSI You shout, haverecenedsepeteteJPIASI con& nations fa each securities bensacton AN fransectens we subject $2 the terms and condhan stated on Me rover se side of such con& rates end we haled to the gotabhston by-lea's. customs and interpretations of the mah‘efotaSeed.efe executed and governed by and Ocnstreed ten accodanoe well the Laws of the Stated Nen Vaasa, as epparablefederallows and reputations Further racrmation with respect 10 COmn143.0n$ and anti. ~gee (elated to the execution of Peas wading options nensactens has teen mckdod on con& means That wow prevroush 1 zonated to you Upon were° tattiest 'ANSI me pampa supply you w;In the blest such info. matron Snannollence caftanJAM Funds ✓ecnirgel a red...fa:on fee equalto 2% ce the proceeds athey enchangea redeemsrwesd star funds wthw 60 days of purchase subject ro certain vooptens set lath in me prospectus of the apeteatHeFunt Ffeaseconsue yea JPIOagen repesentafivelor a test of the JPM Funds That impose redemption fees. Page 12 of 16 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00033690 SDNY_GM_00302888 EFTA01508427