October 30,2004 - November 30, 2004 Page 6 of 21 NES, LLC Primary Account Number. O JPMorgan Private Bank Important Information about Your Statement Personal marts are subjat to the Deposit Accounts Agreement or the General Terms For Accotmts and Sanas. Business accounts an: subject to the Tams and Conditions for Commercial Aromas or the General Terms For Accounts and Services. Your account& unless otherwise indicatial on the statement. are held by JPMorgan Chase Bank. N.A. (the "Bank"). Deposit accounts held at the Bank, including checking, savings, CD, and money market rotas, are FDIC insured. In Case of Errors or Questions About Your Electronic Funds Transfers (personal accounts onM Telephone or write to the Bank if you think your statement or receipt is wrong. 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. 11w address for inquiries appears below. We must hair fmm you no later than 60 days after salt you the FIRST atrial on which the error or problem appeared. • Tell us your name and account number. • l)cscnbe the error or the transfer you an: unsure about. and explain as clearly as you can why you Mieve it is an error or why you need more information. • Tell us the dollar amount of the atspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank Client Service 500 Stanton Christiana Road. I MM'S3 Neuark. DIE 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 U.S. and point-of-sale transactions), we will reeredit your account for the amount you think is in error so that you will have use of the money during the time it rakes us to complete our investigation. In Case of Errors or Questions About Non Electronic Transfers Please examine your account at once. I