January 01, 2005 - January 31,2005 Page 6 of 18 NES, LLC Primary Account Number. JPMorgan Private Bank Important Information about Your Statement Personal accotarts are subiat to the Deposit Accounts Agreement or the General Terms For Accounts and Savices. Badness accounts an: subject to the Tams and Conditions for Commercial Accounts or the General Terms For Accounts and Services. Your accounts. unless Ohtani: radicals-a on the blab:nu:atm held by JPMorgan Chase Bank. N.A. (the "Bank"). 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 write to the Bank if you think your statement or receipt is wrong. or if you need more automation about an electronic transaction on a state ual 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 we sent you the FIRST mammal on which the error or problem appeared. • Tell us your name and account number. • Describe the ermr or the transfer you an: unsure about. and explain as clearly as you can why you believe it is an error or why you iced mote information. • Tell us the dollar amount of the suspected error. Please direct all inquiries to your Morgan Account Officer at JI'Morgan Private Bank Client Service 500 Stanton Christiana Road. UCIPS3 Newark. 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 poinbof-sale transactions), we will recrcdit your account for the amount you think is in error so 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 examine your account at once.