April 01,2004 - April 30,2004 Page 3 of 4 EPSTEIN INTERESTS Primary Account Number (= O JPMorgan Private Bank Important Information about Your Statement Personal &comb are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Business accounts are subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless oda-issue 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 accotous, are FI)IC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to the Bank if you think your statement or receipt is wrung. or if you need more munmation 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 fmm you no later than 60 days after we sent you the FIRST Pateman on which theater or problem appeared. • Tell us your name and account number. • Describe the error or the transfix you are unsure about. and explain as dearly as you can why you believe it is an error or why you need mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Offica at JI'Morgan Private Bank Client Service 500 Stanton Christiana Road, I AlIPS3 Newark. DIE 19711-2107 We will investigate your complaint and will correct any error promptly. If we take more Qum 10 business days to do this (20 business days for transactions outside the U.S. and point-of-sale tran.sactionr), we will recrcdit your account for the amount you think is in error so that you will have use of the money during the time it Takla us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at onc