January 01, 2005 - January 31,2005 Page 3 of 3 EPSTEIN INTERESTS Primary Account Nuinbet ° JPMorgan Private Bank Important Information about Your Statement Femur accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accounts and Saone& liminess accounts an: subject to the Tams and Conditions for Commercial Accowits or the General Terms For Accounts and Services. Your accounts- unless otherwise indicarl on the Statement. we held by JPMorgan Chase Bank. N.A. (the "Bank'). Deposit accounts held at the Bank, including checking, savings, CD, and money market accotous, 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 intormation about an electronic transaction on a statement or rapt The phone number for inquiries is printed on the front of this gateman. 11w address for inquiries appears below. We must hair fmm you no later than 60 days after we sent you the FIRST Antrim on which the error or problem appeared. • Tell us your name aid account number. • Describe the error or the transfer you an: unsure about. and explain as clearly as you can why you Mieve it is an error or why you need mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Hunk Client Service 500 Stanton Christiana Road. IAN'S; Newark. DIE 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 dances days for transactions outside the U.S. and point-of-sale tran.sactions), we will reedit 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 onc