July 31,2004 - August 31,2004 Page 3 of 3 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. lhainess accounts an: subject to the Trims and Conditions for Commercial Accounts or the General Trims For Accounts and Services Your accounts. unless othassue indicaual on the btatement. 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 clap) Telephone or wine to the Bank if you think your statement or receipt is wrong. or if you need more intimation about an electronic transaction on a that-anent or twerps. 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 vat you the FIRST suttermau on which the error or problem appeared. • Tell us your name and account number. • l)cscribc the error or the transfer you an: unsure about. and explain ascii:any as you can why you believe it is an error 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 JI'Morgan Private Bank Client Service 500 Stanton Christiana Road, ISCIPS3 Newark. Dli 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 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 examtne your acco