And chloramines is just chlorine mixed with ammonia which causes it not to evaporate off, but chloramines will likely dilute and be taken out by some filter muck. Disinfection is selective killing of microorganisms (pathogens in this case) and sterilization is complete killing of all microorganisms pathogens and beneficial bacteria. Chloramines effect pathogens better than regular microorganisms. When your topping off with such a small % and the % of chloramines in the water is 4ppm its virtually undetectable. ex if your tank is 100 gallons and you top off 10%(10 gallons), the chloramine content in the water will be diluted to .4 ppm which isnt going to hurt anything. Your beneficial bacteria is always dying and multiplying anyways and if the chloramines do make it to them before being consumed by tank muck its not going to harm the colony significantly, theyll be back to their regular numbers in a few hours if the food source permits.