January 01,2003 - January 31,2003 Page 3 of 3 EPSTEIN INTERESTS Primly Account Number. I JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the amend Tenns For Accounts ;tad Services. Business amounts are subject to the Terms 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 "Boil:"). Deposit accounts held at the Bank, including checking. savings, Cl), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts only! Telephone or xnte to the. Bank if you dank 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 primed on the front of this statement The address for inquiria appears below. We must hear from you no later than 60 days alter we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account mamba. • Describe the emir or the transfer you arc unsure about, and explain us 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 MM. Plata: direct all inquilies to your Mogan Accusal( 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 error pomptly 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 emir so that you will have use of the money Minns 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