August 31,2002 - September 30.2002 Page 4 of 4 EPSTEIN INTERESTS Primary Account Number. JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tams For Accounts ;tad 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 'Bade"). Deposit accounts held at the Bank, including checking. savings, CI), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or wine to the. Bank if you dunk your stamen( or receipt is wrong. or it you need more mionnation about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this statement. The address for inquirim appears below. We must hear from you no later than GO days attic we sent you the Futs'r statement on which the error or problem appeared. • Tell us your name and account numba. • Describe the mar or the nansfer 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 cum. Plata: direct all inquiries to your Mogan Accoisit Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark, DE 19713-2107 We will investigate your complaint arid will correct any alai promptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.5. and point-o(-sale transactions), we will nxredit your account for the amount you think is in amt 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 account al once.