EFTA Document EFTA01487984

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 "