May 29, 2004 - June 30, 2004 Page 3 of 4 EPSTEIN INTERESTS Primary Account Number ®JPMorgan Private Bank Important Information about Your Statement Personal accounts 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 Accounts or the General Trims For Accounts and Services Your accounts. unless othrinue Sims-non the Statement. are held by JPMorgan Chase Bank (the sliank'). 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 nomination 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 fmm you no later than 60 days aria we rent you the FIRST miteman on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfer you an: unsure about. and explain as clearly as you can why you believe it is an error or why you iced mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JI'Moigan Private Bank Client Service 500 Stanton Christiana Road. I MM'S3 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 batmen days for transactions outside the U.S. and point-of-sale tran.sactions), we will recrcdit your account for the amount you think is in arm 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 once.