October 01, 2004 - October 29, 2004 Page 6 of 6 NES, U.0 Primary Account Number: JPMorgan Private Bank Important Information about Your Statement Personal accounts arc subject to the Deposit Accounts Agreement or the General Tams For Accounts and Services. Business amounts are subject to the Terms and Conditions for Commercial Accounts or the General Tams For Accounts and Services. Your accounts, unless otherwise indicated on the statement. are held by JPMorgan Chase Bank (the "Bail:"). Deposit accounts held at the Bank, including checking. savings, CI), and money market accounts, arc FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts only! Telephone or wine to the. Bank if you dunk your stamen( or receipt is wrong. or it you need more intonation about an electronic transaction on a statement or receipt The phone number for inquiries is pruned on the front of this statement The address for inquirica appears below. We must hear from you no later than 60 days alter we sent you the tittsT statement on which the error or problem appeared. • Tell us your name and account numb r. • Describe the mar or the transfer you arc unsure aloud, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected arm. Plata: direct all inquilies to your Kogan Accusal( Officer at JPMorgan Private Bank Client Service 910 Stanton Christiana Road, I/OPS3 Newark, DE 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 business days for transactions outside the (1.S. and point-of-sale transactions), we will nxredit your account for the amount you think is in error so that you will have use of the money during the tune it takes us to complete our investigation. In Case of Erron or Questions About Non Electronic Transfers Please examine your account al once