EFTA01310948.pdf

Questions or Changes? • athweless.com AT&T Wireless • • Toll Free 611 from yo ^ • TTY users JEFFREY E EPSTEIN 457 MADISON AVE NEW YORK NY 10022.6843 Date of Invoice: July 03, 2004 SUMMARY OF MONTHLY CHARGES FOR ACCOUNT 0043811863 Previous Payments Account Balance Current Monthly Total Balance Received Adjustments Forward Charges Amount Due 1459.57 -1459.57 0.00 0.00 335.69 335.69 Your billing cycle ended on July 02, 2004 Current Monthly Charges Subscriber Adjustments 0.00 Monthly Service 186.68 Monthly Usage 91.71 Charges 0.00 Credits 0.00 Taxes. Surcharges & Regulatory Fees 57.30 Total Current Monthly Charges DUE UPON RECEIPT 335.69 TOTAL AMOUNT DUE 335.69 ALL MONTHLY CHARGES IN YOUR BILL ARE DUE & PAYABLE FOR THE ENTIRE BILLING CYCLE COVERED BY THE BILL. FOR ANY TERMINATION (INCLUDING WHEN YOU SWITCH YOUR WIRELESS NUMBER TO ANOTHER CARRIER), YOU WILL BE RESPONSIBLE FOR PAYMENT FOR ALL FEES AND CHARGES THROUGH THE END OF THE BILLING CYCLE. FOR MORE INFORMATION ABOUT BILLING AND YOUR RIGHTS AND OBLIGATIONS. PLEASE CONSULT THE TERMS AND CONDITIONS OF SERVICE IN YOUR SUBSCRIBER AGREEMENT. Note: => We Price on AT&T WIRELESS APPRECIATES YOUR BUSINESS Front and Back Please Return This Portion With Your Payment. Use of service or payment of this invoice indicates agreement Service # Account # 0043811863 AT&T Wireless with the General Terms and Conditions for moveless service. Account Name: JEFFREY E EPSTEIN ❑ Yes. I want to enroll in REFT and have my monthly payments automatically deducted from the account on my enclosed check (see reverse signature located). I— I Check here for change Lj of address (see reverse) Total Amount Date Due Amount Due Paid #BWNHNGB UPON RECEIPT 335.69 #00000004381186301/ w 2000278 02AT OW - AUTO T2 0 0702 10322.S 22 01 10060000 ..... JEFFREY E EPSTEIN AT&T WIRELESS 457 MADISON AVE P0 80X 8229 NEW YORK NY 10022.6843 AURORA IL 60572-8229 000000000000000000004381186300000000335690 SDNY_GM_00336254 CONFIDENTIAL EFTA_00208958 EFTA01310948  T Recurring Electronic Fund Transfer (REFT): To enroll: sign below, check the REFT box on the reverse side and remit with this month's payment. Keep paying your bill until your statement indicates "Do Not Pay". REFT Agreement: I authorize my financial institution to deduct the amount of my monthly wireless phone bill from the account associated with the enclosed check and remit payment to AT&T Wireless. This authority will be effective until I notify AT&T Wireless to terminate it. I agree that I may be assessed a service charge (up to $20) or late fee or both if a payment is returned by my bank. For more information visit attwireless.com/ocs or call 1 866 2934634. Please keep a copy of the form below and this REFT Agreement for your records or retain a copy of the blank form from next month's invoice. Questions? We can help: AT&T Wireless appreciates your business and welcomes the opportunity to assist you. As part of our commitment to you, we are always adding new calling plans and promotions to match your individual needs. Visit our website at allaRIP.-G cnin or contact Customer Care by dialing 611 from your wireless phone or 1 866 293-4634. oSabias que tambign ofrecemos servicio al cliente en tu idioma? Maroc 611 desde tu telefono inalfimbrico 6 1 866 293 4634 desde cualquier telefono y oprime el'. Driving Wireless Safety: Your wireless phone gives you the freedom and flexibility to stay in touch when you travel, but don't let a phone call distract you from driving safely. Use hands-free device if allowed or required by law. Call Carefully. Arrive Safely. AT&T Wireless Processing Fees: Accounts suspended for non-payment will be subject to a $25 reactivation fee per line and may be assessed a security deposit prior to reinstatement. Checks returned for non-sufficient funds will be charged up to a $20.00 fee. Local Tax: Local taxes are based on local government boundaries, the address information you provide for your account and/or your wireless telephone number. Please review the local tax charges on your bill. If you believe there is an error in the local tax charge, please contact us immediately at 1 866 293-4634. Please note that some local or state laws may require you to follow special procedures when notifying us about a local tax dispute. You may also use the form below to notify us of any change to your taxing address. Thank you for your cooperation. Early Termination Fee (ETF): If you cancel service before your contract end date (including if you switch your wireless number to another carrier), you will be charged an Early Termination Fee of up to $200. Please Send Correspondence To: AT&T Wireless Next Generation Correspondence P.O. Box 68056 Anaheim Hills, CA 92817-8056 2C00270 0000020We Change Of Address Only. Please print address Neatly and check the box on the reverse side. Please contact Customer Care to change the Account Name and transfer Financial Responsibility. New Billing Address City State Zip Home Phone ( ) Work Phone ( ) H yor► billing address is NOT your Tax Address', please enter the Tax Address below. (Mufti-fine accounts should attach a 1st of each wireless number and the respective Tax Address.) New Tax Address* Wireless Number ( ) City State Zip 'Under Federal laws. your Tax Address must be: your primary place of use. your residential or business address. and located within AT&T Wireless 0 licensed service area. Non-business customers on AT&T Digital One Rate. Regional Advantage or Shared Advantage plans must use their residential address as their tax address. Recurring Electronic Fund Transfer (REFT) Enrollment. Please read the agreement on the top portion of the page. sign below and check the 'REFT Registration" box on the reverse side. 6.1 -3G Financial Account Holder Signature Date Email Address' ' I do not wish to receive email notification of special offers available to AT&T Wireless customers. SDNY_GM_00336255 CONFIDENTIAL EFTA_00208959 EFTA01310949 P Account Name Date of Invoice ••• ••11•Ii. JEFFREY E EPSTEIN July 03, 2004 AT&T Wireless Account Number 0043811863 Page 3 of 12 SUMMARY OF CURRENT ACTIVITY - CONTINUED THE CHARGE FOR AT&T WIRELESS 411 INFO IS INCREASING $.25. THE NEW COST OF $1.50/CALL WILL BE EFFECTIVE Monthly Service Charges • Continued 8/18/04. GET THE SAME GREAT FEATURES AND SERVICES, SUCH Item Description Service Dates Charge AS: DRIVING DIRECTIONS, MOVIE TIMES & RESTAURANT 6 MULTIMEDIA MESSAGING $2.99 060304 - 07/02.04 2.99 7 AT&T VOICEMAIL 06'0304 - 0702.04 0.00 LISTINGS. WE WILL CONNECT YOU AT NO ADDITIONAL CHARGE, 8 MMODEIDATA SERVICE (41418) 06'0364 - 0702.04 12.99 PLUS WE WILL SEND THE NUMBER VIA TEXT MESSAGE! FOR 9 NATIONAL PLAN $149.99 060304 - 07/0204 149.99 10 THREE WAY CALLING 0603/04 - 0702/04 0.00 MORE INFO ABOUT YOUR RIGHTS AND OBLIGATIONS, CONSULT 1I REGULATORY PROGRAMS FEE 0613304 - 07/02/04 1.75 THE TERMS AND CONDITIONS IN YOUR SUBSCRIBER AGREEMENT. 12 VOICEDIAL SERVICE $3.99 0613304 - 07/0264 3.99 13 DETAIL BILLING 060304 - 07/0204 0.00 14 DISCOUNTED INTERNATIONAL ROAMING 0610304 - 07/0264 121 THE $1.75 REGULATORY PROGRAMS FEE HELPS TO FUND AT&T Total Monthly Service Charges 186.68 WIRELESS COMPLIANCE WITH VARIOUS GOVERNMENT-MANDATED Monthly Usage Charges PROGRAMS SUCH AS E911, NUMBER POOLING, AND LOCAL NUMBER Item Description Only Used Charge PORTABILITY WHICH MAY OR MAY NOT YET BE AVAILABLE IN I UNLIM MOBL TO MOBL 254 MIN 0.00 2 400 ADC& ANYTME MIN 400 MIN 0.00 YOUR AREA. IT IS AN ADDITIONAL MONTHLY CHARGE CREATED, 3 411 INFO 9 EVT 11.25 ASSESSED AND COLLECTED BY AT&T WIRELESS. FOR MORE 4 EARLY EVENING NMKND 214 MIN 0.00 5 DROP CALL CREDIT 2 MIN 0.00 INFORMATION AND A DESCRIPTION OF THESE PROGRAMS PLEASE 6 UNUMITED MWKNO MIN 763 MIN 0.00 VISIT OUR WEBSITE AT HTTPIANWW.ATTWIRELESS.COWRPF 7 ENH DISC INT DL 53 MIN 15.26 8 CALL WAITING 21 EVT 0.00 9 100 INCL MSGS SENT 13 EVT 000 10 MESSAGE RETRIEVAL 30 EVT 0.00 11 INCLUDED MINUTES 338 MIN 0.00 ACCOUNT DETAILS 12 INCLUDED IN PLAN MB 396 KB 0.00 13 CALL FORWARDING 216 MIN 64.80 14 LONG DISTANCE 2 MIN QS Detail of Payments - Thank You! Total Monthly Usage Charges 91.71 Item Description Data Appliediteversed Payment AmouM Charge Kilobytes (KB) -1 Megabyte (MB) PAYMENT 08t24/04 -1459.57 -145957 Total of Payments -1459.57 Taxes, Surcharges and Regulatory Fees Current Subscriber Monthly Charges and Credits Item Description Charge Subscriber Number Subscriber Name Charge 1 LOCAL WIRELESS SURCHARGE 0.30 335 69. 2 MCTD SURCHARGE 2.30 III,Porent Subscriber Monthly Charges ancill 335.69 3 FEDERAL TAX 8.47 4 TELECOM EXCISE TAX 9.27 5 SALES TAX 23.46 Total Current Monthly Charges 335.69 6 ST WIRELESS COMM SURCHARGE 1.20 7 UNIVERSAL CONNECTIVITY CHARGE 6.59 SUMMARY OF CURRENT ACTIVITY 8 NY CITY UTILITY G.R. SUR La Total Taxes. Surcharges and Regulatory Fees 57.30 Monthly Service Charges TOTAL CHARGES FOR 335.69 Item Description Service Dates Charge I CALL WAITING 2 AT&T TEXT MESSAGING 3 CALLER ID 4 EARLY EVENING 0663/04 - 07102+04 0603/04 - 07/02104 0603+04 - 07/02104 0603/04 - 07/02104 0.00 4.99 0.00 0.00 I 5 ENH DISCOUNT INTL DIAL 0603/04 - 07/02104 3.99 1 SDNY_GM_00338258 CONFIDENTIAL EFTA_00208960 EFTA01310950 P Account Name Date of Invoice JEFFREY E EPSTEIN July 03, 2004 AT&T Wireless Account Number 0043811863 Page 4 of 12 DETAIL OF CURRENT ACTIVITY DETAIL OF CURRENT ACTIVITY - CONTINUED VOICE USAGE FOR VOICE USAGE FOR - Continued Number Onty Charge Number Only Charge hem Date Time Called Calls To Used Rate Description Charge Item Date Time Called Calls To Used Rate Description Charge 0603 08 424 NEW YORK NY IMIN UNLAI MOBL TO MOBL 63 C6110 09 26P NCOMING IMN UNLMTED NWKNO IAN 2 0603 08.434 NEW YORK NY 1MIN 400 AOUL ANYT1AE IAN 64 WM 09 27P QUEENS NY 26IN UNL/AiTED NAVKNO MN 3 C6,03 474 NEW YORK NY IMN UNUM 14.0191. TO MOBL 65 NW 09 28P N WYO NY 'IAN UNUIATE N WK MN 4 06,03 0935 1,3 4 IN INO I MIN LNUM MOBL TO MOM. 66 0603 09 58P INCOMING RK MON UNUNITE N.WKPC MN 6 0603 10.42A NCOIAING 7MIN 400 *001ANYTAE MN 67 0603 1001P INCOMING 2141.1 UNMATED *WINO MN 6 0603 11004 NCOIANG 4MIN WO 4001. 4141•TME MN 68 06.03 10 02P NEWYORKZNI NY 1MN UNUIATE0 *WINO PAN 7 MO 12,30P MOONING I MIN 403 ADCAL ANYTME MN 69 0603 10 OW INCOMING 1MN UNLIMITED NWKNO PAIN 8 0603 01:16P NCOMNG 1MIN 400 ADM ANYTME MN 70 06,03 10 08P QUEENS NY 1MIN UNLIMITED NIM010 MN 9 0603 0135P NEW YORK NY MAIN 400 ADDL ANYTME MN 71 0603 10 I8P NEWYORKZNI NY I IAN UNLIMITED N.W101D MIN 10 0603 0145P WPALMBEACH R. 2MIN 403 ADCAL ANYTME MN INCOMING 1PAIN UNLIMITED NWKND MIN 11 0603 0185P NEW YORK Ng, 4MIN 400 ADM ANYTME MN 73 06.03 1044P INCOMING I MIN UNLIMITED NWIG/D MIN 12 OM 0204P NCOMING 4MIN 400 ADDI ANYTIAE IAN 74 0103 1044P INCOMNG 2MIN UNLIMITED NWKND MIN 13 0600 0208P NEW YORK NY 261IN UNLAI M0131 TO 410B1 75 0803 1045P T i 14 0603 02 13P NCOMING SPAN 400 ADC& ANYTIAE IAN 1EVT 1.25 411 INFO 1.25 IS 04,03 02 32P NCOMING 3 i ,M1AN IN UNLIA Loa TO MOW 76 0603 1047P NEW YORK NY UNLIMITED NWKND MIN 16 06'03 03 40P NEW YORK NY MUM MO& T I/OBI. 77 0603 I051P 2 MIN UNLIMITED NINKNO, MIN IT 0603 00 47P NEW YORK NY HMI 400 ADDL AIDMIE MN 78 0603 I 1:02P INCOMING NConiNo 4N IAI UM.IMITED NINKND MIN 18 01103 0602P NEWYORK NY 21411 UNUMMOBL TO MOBL 79 0103 II:11P NEW YORK NY I MIN UNLIMITED NIANND MIN 19 0603 05 04P INCOMING 3PAN T 80 0803 1120P INCOUEENS I MIN UNLIMITED NWKND MIN 20 06.03 06 21P ADO1 AN N IE PAIN 61 06,031126P Q NYY 2 MIN UNLIMITED NWKND MIN 1 2L M VTI 1.25411 0 F0 1.25 82 06111 05:134 NCOMMG 1MIN UNLIMITED NWKND MIN 21 060 C6 25P4P I,P,Ke WORTHC FL I 400 AWL NIYIME PAIN 63 0604 05414 U IWN 4 IA UNLIMITED NWKND MIN 22 1:6133 06 2 INCOIAING BE 1MN 400 4001ANYTIME MIN 64 0604 05:444 NEWYORKYNY M IN N LNUMITED NWKND AIN 23 0603 06 25P WPALMAH FL I MN 400 ADM. ANYTAIE MIN 85 0804 0554A BROOKLYN NY 1MIN UNIAMITED 14WKND MN 24 06'03 05 25P WPALMNA.CH FL 1PAIN 400 AWL ANTIME MIN 86 0604 05554 NEW YORK NY 1MIN mumps MWKNO MN 25 06'03 05 2tP WPALIAUEACH FL I PAIN 4004 'L ANTIME PAIN 87 0604 051574 mc011e FRA LNLI.IT NWKND IAN INCOMING 2MIN 400 ADM. ANYTME MIN IMN 0.28 EAU DISC INT DL 0.28 27 05.32P 26 0603 05.37P 29 06.03 05.39P NEW YORK NY CALDWELL Fl./ NEW YCAK NY 25 1MIN NIN 400201, ANYTIAE MIN 400 01. ANYT/AE MIN 403 ADM. ANYT/AE MIN 88 C604 06 064 69 C604 07294 90 0804 07:304 QUEENS a NEWYORK NY 'MIN INN IMN 400400`L ANYTIME IAN MUM MOBL TO MOBL UNLIA met TO MOM 30 06,03 06:08P INCOMING 2MIN 400 4001ANYTME MIN 91 0804 08:37A INCOMING IMN UNLIA meet TO MOBL 31 0603 06:16P NEW YORK NY I MIN UNLIM IAOBL TO MOBI 92 66,04 08:43A NEWYORK NY 'IAN UNUM MOOL TO MOBL 32 0103 06:1W NEW YORK NY 2 400 ADM AN MIN 93 0604 08:464 A FL 1151 400 ACOI ANYTME MIN 33 0603 06:18P NEW YORK NY 1MIN 400 ADMANYTLJIE MIN IN 94 0604 08:48A NEW WAN 400 AC01ANYTME MIN 34 0603 0626P NEW YORK NY I MIN 400 ADDL ANYTIME MN 95 C6'04 09:52A NEW YORK NY NAN 400 ADM. ANYTME MIN 35 06D3 0628P NCOMING 2MIN 400 ADM AAWTME MN 96 0604 10:044 NEW VOW NY IIN UNLIM MOBL TO MCGL 36 0603 0629P NEW YORK NY 1MIN 403 ADM ANYTME MN 97 06.04 10:054 NEW YORK NY I MIN UNLIM MOBL TO MOBL 37 C603 061IP QUEENS NY 2til N IN 403 AOC& ANYTME ION 98 0604 10154 BROOKLALMBEYN NY 1 PAIN UNLIM MOBL TO MON. 38 04,03 0632P NCOIAING UNUM moe4. TO MOBL 99 06.04 10:124 WP ACH FL I MN 400 ADOIANYTME MIN WPALMBEACH FL MN 480 ADC& ANYTIME IAN 100 06.04 10:13A INCOMING 9MIN UNLIM MOBL TO MOBL 40 0603 06 WP NeWYOBI5 NY MN MINA moet. TO 66)BL 101 0604 1030.4 OMERS PT NJ I MIN 400 ADM ANY1M MIN 41 136,03 05 37P NEWYORK NY IAN 400 ADO` NIVIME MN 102 0604 10314 IN SCOMING 7 MIN 400 AWL ANYINE MIN 42 6000 09 40P NM UNUM MOBL TO MOBL 103 0604 10474 INCOMING I MIN UNUM MOBL TO MOBL 43 06,03 06 47P INCO/JYQINGW NY Pal 400 AWL ANYTME PAIN 10 0600 1 INCOMING I MIN UNLIM MOBL TO PAOBL 44 0603 06 SW NEW YORK NY MN 400 AMYL ANYTME MIN 10 05 0604 1004 /854 NEW HAVEN CT I MIN 400 ADO'L ANYINE MIN 45 060107 COP INCOMING MN EARLY EVEN NG NW10117, 106 0604 10:58A OUEENS NY 2MIN 400 ADM. ANFRAE CON 44 0603 07 02P NEW YOWN( MN me NQ NWKNQ 107 0600 1116.4 QUEMOY I MIN UNLIM MOBL TO MCAL 47 06'03 07 06P NEWYCAI, MAI NY PAIN EVEN NO NYWND 108 06'00 11074 NEW YORK NY I MIN 400 AWL ANYTAE MIN 46 06.0107 I6P NEW YORK NY MIN EARLY EVEN NG NWKND 109 06,04 11884 OUNEW YORK $ NY 2MIN 400 ADM. *WTI& MIN 07 NEVY YCAK NY PAIN eyg.N NO NWKNQ 110 06'0011214 EENNY 3MIN 400 ADM ANYlla MIN 50006'6'03 I9PW IrcOAING PAIN EARLY EVEN NO NWKNO III 0600 11244 NEW YORK NY I MIN UNLIM MoBL TO NOEL 51 08133 0728P NY ZONE 1NY MIN EARLY EVEN NG NWKND 112 06.04 11:54.4 N NCOMING EW YORK NY MIN UNUM MOBL TO MOBL 52 06W 0730P NEWYORKZNI NY MIN NO NWKNQ 113 06'00 11554 I I PAIN AWL PNYTh 400 AL ANY1M MIN PAIN 53 06W 0732P NNEEWW YORK NY MIN EARLYEVEN EARLY EVEN NO NWKNo I EVT GAlS CALL W W*JI1NO 54 am 0745P NEW YORK NY MIN EARLY EVEN NG NWKND 114 06,04 11:56A OUEENS NY INN UNUM MOBL TO MOBL 55 06,03 07:47P NEW YORK NY MIN DROP CALL CREDIT 115 06,04 11:56A NEW YORK NY 31.8N 400 ADM. ANYTWE MIN MIN EASILY EVEN NO t4WKAID 116 0604 I118.4. NEW YORK NY 1MIN 400 AWL ANY1M MIN 56 MEG 07:49P NEW YORK NY MIN EARLY EVEN NG t4WKND 117 06,04 12AW NEW YORK NY 2MIN UNLIM MOBL TO MOBL 57 MAW 06.137P NCOMNG MIN EARLY EVENNG WWKNO 118 06,04 12:10P BROOKLYN NY INN UNLIM MOBL TO MOBL 58 0603 084IP INCOMING MIN EARLY EVENNO NWKND 119 0604 12:12P OUEENS NY 1MIN UNUM MOBL TO Mall. S9 0803 0905P QUEENS NY MIN UNLMITED NMKM) MN 120 06.04 12:12P OUEENS NY 1MN UMW MOBL TO MOBL 60 080,3 0908P MIN N UNLMITED NWKND MN 121 06.04 12:1W WRALMBEACH FL INN UNLIM MOBL TO MOBL 1.25 411 INFO 25 122 0604 12:16P WPALMBEACH FL I IAN 400 AWL ANYTWE MIN tl 81 0803 0909P I N UMLAUTED WWKAO MN 123 06.04 12:30P INCOMING 4MIN 400 AWL ANYTIME MIN EVT 1.25 411 INFO 1.25 120 06.04 12:56P WRALMBEACH FL 1MIN 400 AWL ANYTIME MIN 62 0603 0819P I NEW YORK NY MIN UM.MITED WWKND MIN 125 06,04 1257P WPALMBEACH FL I MIN 400 AWL ANYTME14IN SDNY_GM_00338257 CONFIDENTIAL EFTA_0020896I EFTA01310951 P Account Name JEFFREY E EPSTEIN Account Number Date of Invoice July 03, 2004 a AT&T Wireless 0043811863 Page 5 of 12 DETAIL OF CURRENT ACTIVITY - CONTINUED DETAIL OF CURRENT ACTIVITY - CONTINUED VOICE USAGE FOR --Continued VOICE USAGE FOR - Continued Number Only Charge Number Only Charge Item Date Time Celled Calls To Used Rate Description Charge Item Date Time Celled Calls To Used Rate Description Charge 26 27 06134 0624 01:02P 01:389 INCOMING WPALIABEACH II6MIN MIN 400 400ADM. ADOt ANYTME MIN 192 06.0604519 WPALMBEACH NYNYFL 2MIN 2MIN UNLIMITED UNLIMITEDNWKND MIN 28 29 06134 06134 0128P 0226P BROOKLYN INCOMING NYFL 2IMMIN MIN UNLIM IN UNLIM12RL ANYTME L TO TO MIN II08L IWOEL 193 194 195 0106 06.060454P 0458P OUEENS BROOKLYN NEWYORKNY 2MIN UNLIMET NWKND NWKN N1A.131 MIN MIN MIN 30 31 0624 0624 0247P 03:029 BROOKLYNNY INCOMING IMIN UNLIM UNLIMMOBL MOBL TO WEIL TOmax 1960106 0459P 0606 0500P INCOMNG IMIN 1EVT UNLIMITED UNLIMITED CALL WAITINGNWKND MIN 32 062134 3343 064 314P IX3:17P 003:1W INCOMING ALIABEACH 1OMIN 400AMA ANYTME MIN 197 06.0605019 NEW NEWYORK YORKNY IWIN MIN UNLIMITED NWKND MIN 35 0624 06134 IX324P NEW EAC FL WPAUABEACH YORK NY FL IIPPAIAINN 400 IVAIN ADM. MIME 4004001. MIN 4004001. AMP& ANYTMEMIN MN MIN 198 199 06436 0643605/32P 05/37P 200061060509P INCOMNG INCOMNG NY I1EVTWIN UNLIMITED UNLIMITED MIN UNLIMITED NWICND NWKND NWKND MIN MIN MIN 36 37 0624 0624 03:25P 03:2W NEW WPALMBEACH FL IIPAIN 4000201. 400A001. AMITE ANYWE MIN MIN 201 CALL WNTNG 20206.1361022P OUEENS NY IMIN UNLIMITED NWKND MIN YCAK NY 38 39 06134 0624 IX33CP 03:3W WPALMBEACH NEW FL MIN I IAN