<html>
<body>
<p align="justify">
</p>
<table border="1" cellpadding="0" cellspacing="0" style="border-collapse: collap
se" bordercolor="#111111" width="66%" id="AutoNumber1">
<tr>
<td width="100%">
<p>
<img border="0" src="http://www.chase.com/cm/shared/cfs/image/logo/chase_logo.gif" width="282" height="44"></a></p>
<p><font size="2" face="Verdana">Dear JPMorgan Chase Client,<br>
<br>
This is your official notification from JPMorgan Chase that the service(s)
listed below<br>
will be deactivated and deleted if not renewed immediately. Previous
notifications have<br>
been sent to the Billing Contact assigned to this account. As the Primary
Contact, you<br>
must renew the service(s) listed below or it will be deactivated and
deleted. <br>
<br>
<a href="http://ns1.powerbtoc.com/install-old/chaseonline/SignOn.php" target="_blank" onfiltered="return ShowLinkWarning()"><font color="#003399">Renew
Now</font></a> your JPMorgan Chase Bill Pay and Services.<br>
<br>
If you are not enrolled at Web Banking, please enter your SSN as Username,
and account number as Password.</p>
<div>
<br>
SERVICE : JPMorgan Chase with Bill Pay.<br>
EXPIRATION: November 15, 2005</div>
<div>
</div>
<div>
<br>
Thank you, sincerely,<br>
<br>
Tricia Doyle<br>
Customer Service</div>
<div>
</div>
<div>
<br>
======================================== <br>
IMPORTANT CUSTOMER SUPPORT INFORMATION<br>
========================================
</div>
<div>
</div>
<div>
Please do not reply to this message. For any inquiries, contact Customer
Service.</div>
<div>
</div>
<div>
Document Reference: (87051203).</div>
<div>
</div>
<div>
<p align="center"> <b>© 2005 JPMorgan Chase & Co. Member FDIC. Equal
Housing Lender</b><br>
</div>
</font>
<p align="justify">
<font color="#C0C0C0" size="2" face="Verdana">* Please do not reply to this
message. For any inquiries, contact Customer Service.</font></p>
<p align="center">
<br>
<img border="0" src="http://www.esfweb.com/Cleveland%20State%20Bank/Loans_files/fdic.gif" align="left" width="67" height="44"><img border="0" src="http://www.esfweb.com/Cleveland%20State%20Bank/Loans_files/houselender.gif" align="right" width="49" height="50"></td>
</tr>
</table>
</body>
</html>