October 30,2004 - Novemba 30,2004 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 Tams For Accounts rind Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts Of the General Terms For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank. NA. (the "Bank") 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 Ponds Transfers (personal accounts only! Telephone or ante to the Bunk if you dank your statement or receipt is wrong. or It you need more mlonnation about an electronic transaction on a statement or receipt The phone number for inquiries is printed on the front of this statement. The address for inquirim appears below. We must hear from you no later than 60 days atta we sent you the FutsT statement on which the error or problem appeared. • Tell us your name and account number. •13escribe the mar or the transfer you arc UM= AEOLIC and explain as clearly as you can why you believe it is an atm or why you need more information. • Tell us the dollar amount of the SILSOCCOXI error. Plata: direct all inquiries to your Mogan Account Officer at JPMorgan Private Bank Client Service 500 Stanton Christiana Road, I/OPS3 Newark. DE 19713-2107 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 tninacctions outside the U.S. and point-of-sale transactions), we will recredit 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 a