November 30,2002 - I EPSTEIN INTERESTS December 31, 2002 Page 3 of 3 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 ;aid 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 1.1zatk"). 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 Funds Transfers (personal accounts only! Telephone or Write to the. Bank if you dunk your stamen( or receipt is wrong. or it you need more mlonnation about an electronic transaction on a statement or receipt The phone number for inquiries is printed on the front of this statement The addiess for inquirieN appears below. We must hear from you no later than 60 days after we sent you the Futs'r stawmcnt on which the error or problem appeared. • Tell us your name and account numb a. • Describe the mar or the marifia you arc unsure &haul, 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 Ste:peeled MOT. Plant direct all inquiries to your Mogan Accotsit Officer 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 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 era so that you will have use of the Pinney dWing the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examin