January 01, 2004 - January 30,2004 Page 7 of 22 NES, LLC Primary Account Number. JPMorgan Private Bank Important Information about Your Statement Personal accounts are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Services. liminess accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Tams For Accounts and Services Your accounts. unless otherwise indicated on the Statemen t. are held by JPMorgan Chase Bank (the sliank'). 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 woe to the Bank if you think your statement or receipt is wrung. or if you need more intormation about an electronic transaction on a statement or receipt. The phone number for inquiries is printed on the front of this gateman. The address for inquiries appears below. We must hair fmm you no later than 60 days after we sem you the FIRST lineman on which the error or problem appeared. • Tell us your name and account number. • Describe the error or the transfix you an: unsure about. and explain as clearly as you can why you believe it is an era or why you need mote information. • Tell us the dollar amount of the ampected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank Cliart Service 500 Stanton Christiana Road. I /CIPS3 Newark. Dli 19711-2107 We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this (20 business days for transactions outside the U.S. and point-of-sale tran.sactions), we will recrcdit your account for the amount you think is in error m 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 examtne your account at once.