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1 () Morgan Guaranty Trust Company of New York 1999 345 Park Avenue, New York, NY 10154-1002 JPMorgan Account Number: 5-0-1 Asset Account Portfolio Page 7 of 7 FINANCIAL TRUST COMPANY, INC. October 01, 1999 - October 31, 1999 in Case of Errors or Questions About Your Electronic Transfers. Telephone us at 1 (800) 576-6221 or write us at 500 Stanton Christiana Road, 1/OPS, Newark, DE 19713-2107 as soon as you can, if you think your statement is wrong or if you need more information about a ransfer on the statement We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared (1) Tell us your name and account number (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information (3) tell us the dollar amount of the suspected error If you contact us orally, you must send us your complaint or question in writing within 10 business days in order fo preserve your rights We will investigate your complaint and will correct any error promptly If we take more than 10 business days fo do this (20 days for purchases using VISA Check Card or for international transactions), we will credit your account for the amount you think is in error, so that you will have the use of money during the time it takes us fo complete our investigation in case of errors or questions about your statement, including your line of credit. If you think that your statement is incorrect or if you need more information about a transaction on your statement including a line of credit transaction, you must write to us on a separate sheet describing the error and send it to 4 P Morgan, Private Client Services, 345 Park Avenue, New York, NY 101541002 We must hear from you no later than 60 days after the statement on which the error or problem appeared is sent You can telephone us at 1-800-576-6227 but doing so will not preserve your rights !n your letter, please provide the following information (1) your name and account number, (2) the dollar amount of the suspected error, and (3) a description of the error and explanation, if you can, why you believe there is an error If you need more information, you must describe the item you are unsure about The J.P. Morgan Funds or The J.P. Morgan institutional Funds or The American Century Funds The J P Morgan, J.P Morgan Institutional, and American Century mutual funds are distributed by Funds Distributor, Inc J P Morgan Investment Management Inc and American Century Investment Management serve as investmentadvisors to their respective fund families Shares of the funds are not bank deposits and are not guaranteed by any bank, governmententity, or the FDIC Return and share price will fluctuate and redemption value may be more or less than originalcost While the money market funds seek to maintaina stable net asset value of $7 00 per share, there is no assurance that they will continue to do so. The estimated annual income and dividend yield figures for mutual funds representthe funds’ most recent income dividend annualized Confidential Treatment Requested by JPMorgan JPM-SDNY-00036869 Chase DOJ-OGR-00015714