November 01, 2003 - November 28, 2003 Page 3 of 3 EPSTEIN INTERESTS Primary Account Number ®JPMorgan Private Bank Important Information about Your Statement Personal al:comb are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. lhainess accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indica-1ton the Statemen t. are held by JPMorgan Chase Bank (the 'Bank"). Deposit accounts held at the Bank, including checking, savings, CI), and money market accounts, are HNC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts alp) Telephone or write to the Bank if you think your statement or receipt is wrong. or if you need more inunmatton about an electronic transaction on a statement or maim. 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 aria we sent you the FIRST statement on which the error or problem appeared. • Tell us your name aid account number. • Describe the erwir or the transfer you are unsure about. and explain as clearly as you can why you believe it is an aror or why you need more information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at II/Morgan Private Bank Client Service 500 Stanton Christiana Road. I /O11S3 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.sactions), we will mac& 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 accoun