IA:ember 01, 2004 - December 31, 2004 Page 3 of 3 EPSTEIN INTERESTS Primly 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 mid Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or 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, CI), 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 Bank if you think your statanent or receipt is wrong. or it you wed more mlomuttion about an electronic transaction on a statement or receipt The phone number for inquiries is pnnted on the front of this statement. The address for inquiet appears below. We must hear from you no later than 60 days atta we sent you the FutsT stawmcnt on winch the error or problem appeared. • Tell us your name and account number. • Ihrscrihe the mar or the nansfer you arc HMI= RhOUI and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the SLLSOCCOXI Plisse direct all inquilies to your Morgan Accoemt Oilier., 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 insertions outside the U.S. and point-of-sale transactions), we will rccredit your account for the amoemt you think is in error so that you will have use of the money dunag the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account at once.