National Financial Services, LLC:

ESI's clearing firm, National Financial Services, LLC ("NFS"), processes all of ESI's brokerage business including establishing new accounts, cashiering functions and other account maintenance. For clients who hold their assets in our brokerage accounts, NFS provides monthly or quarterly statements which report on all of the activity during the timeframe. They handle banking functions such as the payment and clearing of checks and debit card transactions. Also, NFS is responsible for tax reporting to the IRS and the generation of 1099s and other important tax documents. ESI is one of National Financial Services' biggest clients and custodies over $2 billion in assets with the Fidelity Company. In 2007, NFS processed over 18,000 service requests including over 5,000 check and wire requests, over 4,000 account transfers and opened 6,700 new accounts on behalf of ESI Representatives and their clients.

Asset Protection

Securities in accounts carried by National Financial Services LLC (NFS) are protected in accordance with the Securities Investor Protection Corporation (SIPC) up to $500,000 (including cash claims limited to $100,000). For details, please see www.sipc.org. NFS has arranged for additional protection from Lloyd's of London for cash and covered securities to supplement its SIPC coverage. This additional protection covers up to an aggregate loss limit of $1 billion for all customer claims of which $1.9 million may cover cash awaiting reinvestment at the individual account level. This protection becomes available in the event that SIPC limits are exhausted. Neither coverage protects against a decline in the market value of securities. For more information on the excess coverage, please visit www.mybrokerageinfo.com.

All entities referenced are independent of National Financial Services, LLC and the Fidelity Company.