December 01, 2004 EPSTEIN INTERESTS December 31, 2004 Page 3 of 3 Primary Account Ntunba °JPMorgan Private Bank Important Information about Your Statement Personal accounts are subjet to the lkposit Accounts Agreement or the General Terms For Accotmts and Sanas. Maness accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services. Your account& wiless otherwise indicated on the Statemen t. are held by JPMorgan Chase Bank. N.A. (the "Bank"). Deposit accounts held at the Bank, including checking. savings, CD, 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 the Bank if you think your statement or receipt is wrong. or if you need more imormation about an electronic transaction on a statement or twerp. The phone number for inquiries is printed on the front of this statement. The address for inquiries appears below. We must hair from you no later than 60 days alter we scot you the FIRST aternat on which theater 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 need more information. • Tell us the dollar amount of the usspected error. Please direct all inquiries to your Morgan Account Office at JI'Morgan Private Bank elicit Service 500 Stanton Christiana Road. IAN'S; Newark. DE 19711-2107 We will investigate your complaint and will coital any aror promptly. If we take more than 10 tnsiness days to do this (20 batmen days for transactions outside the U.S. and poinEof-salc 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 a