November 01, 2(813 - November 28,2003 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 ;tad 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 -13zatk"). Deposit accounts held at the Bank, including checking. savings, CD, and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Fonds Transfers (personal accounts only! Telephone or ante to the Bank if you dunk your statiment or receipt is %%Tong. or it 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 matt-anent The address for inquirim appears below. We must hear from you no later than 60 days attic we sent you the FutsT statement on which the error or problem appeared. • Tell us sour name and account 'ambit • Describe the mar or the transfer sou arc unsure RECK mid explain as clearly as you can why you believe it is an armor why you need more information. • Tell us the dollar amount of the suspected arm. Plebe direct all inquilies to your Mogan Accomt Officer at JPMorgan Private Bank Client Service 5110 Stanton Christiana Road, I/OPS3 Newark, DE 19713-2107 We will investigate sour complaint arid 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 error so that you will have use of the money during the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account al o