October 01, 2004 - October 29,2034 Page 3 of 4 EPSTEIN INTERESTS Primary Account Number JPMorgan Private Bank Important Information about Your Statement Personal &comb are subject to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. Business accounts an: subject to the Tams and Conditions for Commercial Accounts or the (Ismael Terms For Accounts and Services Your accounts. unless otherwise indica-lion the btatema0. 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 on Telephone or suite to the Bank if you think your statement or receipt is wrong. or if you need more intimation 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 after we vat you the FIRST lineman on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfix you an: unsure about. and explain as clearly as you can why you believe it is an error or why you aced mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at II/Morgan Private Bank elicit Service 500 Stanton Christiam Road. I '0PS3 Newark. Dli 19711-2107 We will investigate your complaint and will correct any error promptly. If we take more that 10 business days to do this (20 business 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 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 account at