February 01,2002 - February 28,2002 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number. 000-138912 JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tams For Accounts rind Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the "Bode"). Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or wnte to the. Bank if you think your stamen( or receipt is wrong. or it you need more nilonnation about an electronic transaction on a statement or receipt The phone number for inquiries is printed on the front of this statement. The address for inquiris appears below. We must hear from you no later than 60 days atla we sent you the rattsT statemcnt on which the error or problem appeared. • Tell us sour name and account sundae. • IMscrilie the emir or the transfer you arc unsure RhOUI and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected MIX Please direct all inquiries to your Morgan Accost( Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark, DE 19713-2107 We will investigate sour complaint and will correct any error promptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.5. and point-of-sale transactions), we will nxredit your account for the amount you think is in emit so that you will have use of the money dunag the tune it takes us to complete our investigation In Case of Erron or Questions About Non Electronic Transfers Please examine your