October 01,2002 - October 31,2002 Page 3 of 3 EPSTEIN INTERESTS Primly Account Number: JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tenns For Accounts and Services. Business amounts are subject to the Tams and Conditions for Commercial Accounts or the Central Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the -13catk"). 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 write to the. Bank if you dunk your statanent or receipt is wrong. or H you need more mlonnation 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 60 days atlir we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account mamba. • Describe the mar or the transfer you arc unsure RhOU1 and explain as clearly as you can why you believe at is an armor why you need more information. • Tell us the dollar amount of the suspected arm. Please direct all inquilies to your Morgan Accoamt Offica at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark, DE 19713-2107 We will investigate your complaint and will correct any error pomptly If we take more than 10 business days to do this (20 business days for transactions outside the (1.S. and point-of-sale transactions), we will nxredit your account for the amount you think is in error 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 at once.