August 30,2003 - September 30, 2003 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number JPMorgan Private Bank Important Information about Your Statement Personal accent are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accowas or the General Tams For Accounts and Services Your accounts. unless otherwise indicated on the Statement. are held by JPMorgan Chase Bank (the 'Bank'). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to Om Bank if you think your statement or receipt is wrung. or if you need more mimmation about an electronic transaction on a statement or receipt. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair from you no later than 60 days after we sem you the FIRST statammt on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfix you an: unsure about. and explain ascii:arty as you can why you believe it is an error or why you need mote information. • Tell us the dollar amount of the unpaved error. Please direct all inquiries to your Morgan Account Officer at II/Morgan Private Bank Client Service 500 Stanton Christirma Road, I 'OPS3 Newark. DIE 19711-2107 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 U.S. and point-of-sale tran.sactionn, we will recredit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at