JP/slorgati Select Funds and Institutional Shams of the JI'Magan Bond Fund II. JPMorgan Short-Term Bond Fund JPMorgan Intermediate Bond Fund II. and NMorgan Large Cap Equity Fund held in Bank bunt 8CCOUMS or in discretionary investment managinnent accomus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount retur

organ Select Funds and Institutional Stares of the 11)Morgan Bond Fund II. 113Morgan Short-Tenn Bond Fund II. WMorgan Intermediate Bond Fund II. and NMorgan Large Cap Equity Fund held in Bank bust accounts or in discretionary investment management accomus at the Bank held by ERISA plans or IRAs. "Rebate' means an amount retur