11201.3859 EPSTEIN INTERESTS STA110,00 P0b00 August 31.2002 0'9000.4 Sipimbee 27.2002 ACCOuET WWIIER 2.00.AnIt scsueen On Flo LAST STATEMENT Alesit 30, 2002 NOTICE OF CHANGE PURSUANT TO THE TRUTH IN LENDING SEC RULE 106-16 Effective as of November 15. 2002. the annual rate of interest charged on any c