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Details of a civil lawsuit, made public in January 2015, contained a deposition from "Jane Doe 3"
that accused Maxwell of recruiting her her in 1999, when she was a minor, and grooming her to
provide sexualservicesfor e 2018 expose by Julie IC. Brown
revealed Jane Doe 3 to be 1 who was previously known as
met Maxwell at Donald Trump's Mar-a-Lago Club in Palm Beach, Florida, when' was a 16-
year-old spa attendant. E.g. She asserted that Maxwell had introduced her to Epstein, after which
she was "groomed by the two [of them] for his pleasure, including lessons in Epstein's preferences
during oral sex". 221!631
Maxwell has repeatedly denied any_ involvement in Epstein's crimes. M In a 2015 statement,
Maxwell rejected allegations that she has acted as a procurer for Epstein and denied that she had
"facilitated Prince Andrew's [alleged] acts of sexual abuse". Her spokesperson said "the allegations
made against Ghislaine Maxwell are untrue" and she "strongly denies allegations of an unsavoury
nature, which have appeared in the British press and elsewhere, and reserves her right to seek
redress at the repetition of such old defamatory claims" [581[641
asserted that Maxwell and Epstein had trafficked her and other underage girls, often at sex
parties hosted by Epstein at his homes in New -tvMexisc, Palm Beach, and the United
States Virgin Islands. Maxwell called her a liar. aued Maxwell for defamation in federal
court in the Southern District of New York in 20 details of the settlement have nal
made public, in May 2017 the case was settled in favour,1451 with Maxwell paying
"millions" (66]
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New York, again Epstein and Maxwell, alleging that Maxwell hired her to give massages to ,_
Epstein and lat atened to physically harm her or destroy her career prospects if she did not "C
*comply with their sexual demandstat his mansion in New York and on his private Caribbean
island, Little Saint James. The suit was settled in 2018 under undisclosed terms.1a 4g161)1§81
Affidavit filed by (2019)
Ont6Apri12019, went public and sworn affidavit in federal court in New
York, alleging that she and her 15-year-old bad been sexually assaulted by Epstein
I an Dershowitz.1§91 According to the affidavit,. had met famation
suit by I against Al and Maxwell in separate locations in 1996. affidavit was filed in suppo
Maxwell and Epstein at a New York art gallery reception in 1995. The affidavit says that in the
summer of the following year, they hired her to work on an art project in billionaire businessman
Leslie Wexner's Ohio mansion, where she was then sexually assaulted by both Maxwell and
reported the incident to the New York Police Department and the
fidavit also stated that during the same summer, Epstein flew her then is-year-
to his New Mexico property where he and Maxwell molested her on a massage E,pstetu,I.S111
FBI .1-5g722)
old sister,
table.
was interviewed for CBS This Morning in November 2019 where she detailed the 1996
assault and alleged that Maxwell had threatened both her career and her life after the assault.E711
v Epstein's estate, Maxwell, and Jane Does 1-3 (2019)
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EFTA00263576
await
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MA RIBLAc-Prnoty H - Outlook
Welcome to Hay House
Hay House <I
Mon 13/10/2014112 PM
To:
Questions?Call us toll--free: S M-F, 7-5:3o Pacific or send an e-mail
Wgegnie to Hay House!
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EFTA00263577
7/1312020 Maian- Outlook
Make your debut as an author in 2015. - •SEEKiNc,
Balboa Press
Tue 20/01/2015 5:59AM
To: >
To view this email as a web page, go Jiga, POBLIc met:,
PUBLISH AHD SAVE UP TO 51,000 I.
What will you achieve In 2015? Publishing is possible.
If you're thinking of publishing your book, then publishing is just a dream. But you can decide to start
publishing today. You can stop dreaming and start making each moment another step toward your
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The year has only just begun, but that's no mason to postpone your dream of becoming an author in
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' Offer expires 31 Jan. 2015, and cannot be combined with any other promotions. Sec iyobcate for details. This email is an
adiertiscment
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EFTA00263578
Ftsre)c sys-rem 6 - crsiacnt.t, p0 HOOSES TG
g•Te IN\ A • EuesusHit•IcA c_wrftecr - I CHAPTER so81-tiarre5 3 CNLy
ct-iNsiat - ReAti-N
ROI C c_ot.iptere_t> titnts)oscal ft.T - l WOK
4 23/02/2018
Dear Sir / Madam,
I w9tuld like to take this opportunity to introduce myself, my name is
an am.4,7 years of age and a mother of 4 children.A
I am contacting you today in regards to my manuscript of which i have included - Hard
copy, Realit-Ol have included a hard copy of the chapter " Reality " for your review of
which is the main chapter of the book. -A.
The book is based upon true events, individuals and townships and is a non fictional auto
biography of these events, individuals or townships. Events, names and townships have
been changed to protect the identity of these individuals or events.
4 The books title is called " Reality • and i have written it under the alias " Holly Jackson ".
* I am seeking expressions of interest of publishing my first book"l am new to this
procedure and am seeking your assistance in this area.
4. The full manuscript includes a copy of the chapters :
Loss of Innocence
• For the first time
• Entrapment
• The Marriage
• Forbidden Love
• Liberation
•-• Reality
• The Lies, The Truth
If you are interested in the publication of this manuscript or obtaining the full manuscript
for review please contact me :
Co n tacLciii d ilq •
Email :
Addrest.
Thankyou
Yours Sincerely
EFTA00263579
• in.tiU20 - Outlook
Re: Your Submission - QO1 SEEKING, cusuctrnot.) coNtiRe
Jacquline PoNA -tit.)c H&OS&
Mon 19/03/2018 2.11 PM
To: Sydney Reception <
Dear Sir/Madam,
Thankyou for your reply.
I would also like to thankyou for the information of which you have supplied, it is much appreciated
in my endeavour to source a publisher for my book.
Thankyou
Your Since".
From: Sydney Reception <[email protected]>
Sent: Wednesday, 14 March 2018 9:41 AM 4
4 To:
Subject: Your Submission
* Many thanks for sending your proposal to us. After consideration we have unfortunately
decided we are unable to publish your manuscript. Due to the number of manuscripts
received we cannot supply editorial feedbacOThe Australian Publishers Association has an
online directory which lists most of Australia's publishers and their genre. You may find this
useful in finding another publishertY9u can contact them by phone on 02 9281 9788 or via
their website www,publishers.asn.au:Ve wish you every success in placing your work with
another publisher. *
Home - Australian Publishers
Association
www.publishers.asn.au
The Australian Publishers Association is the peak
body for Australian book, journal and electronic
publishers.
Kind regards
On behalf of the Submissions Editor * • Mccopec Al NG,
Hcus.5.,,..u.71.z'1::
Level 3, 100 Pacific Highway, North Sydney, NSW 2060
[penguin.com.au]penguin.com.au Pc3f3i-iefrittxJ
hapal/outiook.live.corn/meiVO/AOMIcADAwATNI2rnYAZCVA2U5LTZhNWM1MDACLTAviCgAuAAADXV01yWIcnOia0W4CohQ6GAEAXoEEVY&F... 1/2
EFTA00263580
-aerf does l
ac vsoLcd rio".cif BLOOMS BURY
Jr(,-,ct r 4064
With the Compliments of Bloom., Publishing Pty Ltd
WWW. Level 4, 387 George St •
Sydney NSW 2000
111.820 4300
EFTA00263581
►-CNDoN uK
AUSTIN MACAULEY PUBLISHERSTM LONDON • CAMBRIDGE • NEW YORK • SHAMAN
Ms
65 Stirling Terrace
Kadina
South Australia, 5554
Australia
281h4ofarch 2018*
Dear Ms
RE: 'Reality' www.austinmacauley.com
8212
• X8100
",‘ Further to our previous correspondence, you will be pleased to know that our Board of Editors
have reported back favourably regarding your initial submissiqu. Therefore, they now wish to
view your complete manuscript in its final form. itc-
The Board of Editors would prefer to receive this by email as a Word or PDF attachment. We
are aware, however, that this does not suit everyone, and we also accept manuscripts in hard
copy, CD or USB by post. As a precaution, we insist that this is a copy rather than the original.
We would ask you to send return postage, should your work need to be returned to you at
some stage.
We look forward to reading your complete manuscript.
Yours sincerely,
(9.9/Ak Uttfat
Claire Vatinel
Junior Editor
CGC-33.01, 25 Canada Square, Canary Wharf, London, E14 5LQ
Registered In England No: 6243206 VAT Number: 102675634
EFTA00263582
-„k Mail - Page 1 of 1
Outlook Mail
Search Mail and People O New I Reply] Delete Archive Junk I Sweep Move to
Folders Reality
lithos 383
1.int Emal 63 AS* AM Submissions > -3(
Drafts - • Reply I
Teday.12.59 /44
Sent Items You
Deleted Penis 16
Afterpay 20 Deaf Ma
Andrew Chapman Pk Thank you for your email enclosin2 a sample of your manuscript 'Reality'. AK
Angel Steeens Certain Enemlicrs from our editorial department will now peruse end assess the
awe materbeWe will write to YOU twin in due course to discuss whether or not your work
is likely to be acceptable for publication. air Archive
AVG 1
Balboa Press Kind regards.
Century 21 Real Esulte
4 *
Cotwersation iistoty Rachel Spent
Assistant Editor
Corey tax
FacebOOk AUSTIN MACAU LEY PUBLISH E RS-
Frostys twice ',welder • CAM•Illt.01 • N.111 %Ail . • tare r
funnies Austin Macaulay Publishes Ltd 0
Hay House illiaCaneda Square. Canty Wharf. I.ondon. Eta SLQ
5212
ICA.0 - 0P1 2 submissionsCraustinmscauleresm
psis, austinmaraulev. COTT
leanswest 2
Jeff walker PLEASE CONSIDER THE VIV/RONMENT BEFORE PRINTING THIS EMAIL
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it has been addressed.
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Marie fOrleo or agreanent between the recipient and Austin Musuley Publishers Ltd °.
Microsoft Austin Macaule' Publishers Ltd 0. CGC 32-01.25 Canada Square. Canary Wharf. London
EIS SLQ Res No, 6243206
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EFTA00263583
kUSTP;N MACAULEY PUBLISH ERSTm .ONDON • CAMBRIDGE • NEW YORK • SHARJAH
19'h July 2018
Dear Ms.
RE 'Reality' to
tilt www.austinmacaulcy.com
8212
8100
Your manuscript was brought to our attention at the latest Board Meeting when we discussed its
potential, and the possibility of it being published. Having read all the reports and taken note of the
editors' opinions, I can confidently state that your work was found to be a thought-provoking and
relatable novel, with the Board commenting on the ambitious scope of your writing and the gritty
realism of the prose. While it was felt that the work would require a degree of editing, overall the
manuscript showed promise.
Since then, we have held a separate meeting with our marketing team to explore the possibilities
regarding sales and target audiences. Although the forecast for these were looking optimistic, there
were certain reservations put forward concerning the fact that this would be the work of a relatively
new author, and would be of some risk to us as your publishers. To this end, a decision has been
reached and, on this occasion, we are not able to offer you a non contributory -based contract.
We do however feel your work deserves to be published and given the opportunity to be launched for
the reading public alongside other famous publications. As a result, we would like to offer you a
contribution based contract, therefore making this work as a partnership. We would like to say that
the amount asked from you is only a partial sum towards the considerable costs involved in
publishing and then marketing your book, with its vital media coverage.
1 have pleasure in enclosing a contract in duplicate for you to view and sign should you so wish. The
second copy is for you to retain for your own records.
I would advise you to read through all the Clauses carefully. Our contract has been tailored with the
objective of being fair to both parties concerned and has as its main interests what is best for the
publication of the book.
The royalties arc clearly laid out in Clause 16, and the Subsidiary Rights in Clause 17. The royalties
are paid to the author twice yearly after the book has been published.
The contribution amount is stated in Clause 15 under 'Advances.' This figure is a one-off finite
amount and does not have to be paid immediately, it can be paid in monthly instalments and the
CGC-33-01, 25 Canada Square, Canary Wharf, London, E14 5LQ
Registered In England No: 6243206 VAT Number: 102675634
EFTA00263584
Accounts Department are yew helpful with arranging this. Please tick whichever option you would
prefer for your publication. Please be advised that if you have not specified which option you would
prefer, we will be unable to continue. We are excited to be able to offer a book trailer and author
website with our agreement, should you wish to choose one of these options. We find these can be
invaluable tools when promoting your work.
At Austin Macauley we feel that our authors' involvement in the production process is essential in
ensuring the high quality of our publications. Therefore, I would like to take this opportunity to
touch on the sequence of the publication process.
Once we have received the signed contract our Production Department will then put the whole
publication process into operation. When the manuscript has been formatted into the correct style
and size it will then be thoroughly proof read, and the author will have ample opportunity to view
the corrections and make their own additional notes. During this time our team of graphic designers
will also be at hand to liaise with you over the ideas envisaged for the cover design.
As the book approaches its publication date our Marketing Department will become involved with
instigating a promotional strategy geared towards the specific genre and target audience of the book
to maximise sales worldwide. This again is something which will be discussed in depth with you
once we have taken your work on for publication.
Should there be anything you may wish to discuss please do not hesitate to contact me or any of my
colleagues.
I would now like to take this opportunity to congratulate you on writing this piece of work which I
look forward to seeing in print.
Yours sincerely,
For and On Behalf of the Board of Editors at Austin Macauley
Alexander Holida
Rebecca Ponting (Junior Editor)
anaging Editor)
EFTA00263585
poesoskAI 1.)c. c_oNaiRncr 19111"(1O.y ,RUIS
THIS PUBLISHER'S AGREEMENT
BETWEEN
AUTHOR
AND
PUBLISHER
AUSTIN MACAULEY PUBLISHERS
CGC-33-01 25 CANADA SQUARE
CANARY WHARF
LONDON
E14 SLQ_
The Author warrants to being the owner of the copyright in the Literary Work as present known as:
`REALITY BY HOLLY JACKSON
Hereinafter called the WORK, and the PUBLISHER agrees to publish the WORK in accordance with
the following Terms and Conditions, which are hereby mutually and freely agreed between the
PUBLISHER and the AUTHOR.
EFTA00263586
26
GOVERNING LAW AND JURISDICTION
Any differences arising between the AUTHOR and the PUBLISHER touching on this Agreement or
the rights and liabilities contained therein, shall be governed and interpreted in all respects by and in
accordance with the Laws of England and Wales.
FOR THE PUBLISHER;
ON BEHALF OF AUSTIN MACAULEY PUBLISHERS
DATE 1.9T" JULY 2018 4 RECO tdef:> CCANSTRACT -
CGC-33-01 25 Canada Square
Canary Wharf
London
El4 5LQ
Tel: 8212
F -
Email:
Web: www.austinmacauley.com
Registered In England No: 6243206
9
EFTA00263587
22
DISCONTINUANCE OF PUBLICATION
The PUBLISHER shall notify the AUTHOR in writing when and if the WORK no longer warrants
continued publication, such notification and decision to be entirely at the discretion of the
PUBLISHER. In this event all copies of the WORK existing shall be remaindered to the trade, pulped
or, at the PUBLISHER'S discretion, copies offered to the AUTHOR at a discounted price.
23
g„omp LET E CONTRACT
•
It is acknowledged by the PUBLISHER that he shall attempt by all means to fulfil his obligations under
the Terms of this Agreement, and it is acknowledged by the AUTHOR that the PUBLISHER has not
made any prior promises, pledges or guarantees, except as may be contained in this Agreement which
constitutes a complete contract and the whole and complete understanding of the parties and no
representations other than those expressly contained herein shall be binding, and this Agreement is
entered into in good faith by both parties, it being distinctly understood that neither party has
guarantee, nor intends nor is able to guarantee, nor is able to predict, the =CC sale of a specific number
of copies of the WORK. All matters relating to the Production Distribution and Marketing of the
WORK and the relationships between the PUBLISHER and the AUTHOR are confidential to both
parties.
24
PAYMENT OF ACCOUNTS
The PUBLISHER shall render accounts of the said WORK annually after 31 December, being after
the first full year of publication, and six-monthly thereafter, and all money due to the AUTHOR shall
be paid to the account within FOURTEEN WEEKS (14 weeks) of the said accountancy date. If the
PUBLISHER has failed to pay the said monies by this date, the AUTHOR shall, on written and
registered notification, inform the PUBLISHER.
25
.4; OPTION TO PUBLISH FURTHER WORK *
Air
The PUBLISHER would like to have first refusal of the AUTHOR'S next work, but this must not be
taken to infringe in any way the right of the AUTHOR, or to commit the AUTHOR to future dealings
with the PUBLISHER.
8
EFTA00263588
7/13/2020
Reality
AM Editors <
Wed 5/09/2018 2:10 AM
To:
Dear Ms.
Thank you for returning to us your signed contract for `Reality'. *
g Your file has now been passed to our Production Departmen4 rwho will contact you in due course to
collaborate with yourself. Your cheque has been passed on to the Accounts Department, who will be
in touch regarding your proposed payment plan.
We all very much look forward to working with you on the publication of your book!
Kind regieds,
Alexander Holiday
Junior Editor
AUSTIN MACAULEY PUBLISH E RS v
t .• ti 50 • 1414‘1,141 11..1 . haw Saint. . •I24“4,;”
Austin Macauley Publishers Ltd
CGC-33-0I 25 Canada Square, Canny Wharf, London E14 5LQ
8212
www.austinmacauley.com
AUSTIN MACAULEY PUBLISHERS
1 ON 'ION. • 14 V.I.i4.111,••1 • '4. • 44 •• • •
One of 2018's
reded rag?
PLEASE CONSIDER THE ENVIRONMENT BEFORE PRINTING THIS EMAIL
This email and any files transmitted with it are confidential to the intended recipient to which it has been addressed.
Unless expressly stated otherwise, this e-mail does not form part of a legally binding contract or agreement between the recipient and Austin Macaulcy
Publishers Ltd.
Austin Macaulcy Publishcs Ltd. CGC 33-01.25 Canada Square. Canary Wharf. London E14 5LQ Rcg No. 6243206
Vu-us checking software has checked this mail item, however responsibility cannot he accepted for any transmitted viruses.
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EFTA00263589
7/13/2020 Mail - - Outlook
Welcome to Production- Reality
AM Production Team
Wed 3/10/2018 5:08 PM
To:
I 1 attachments (104 KB)
* Author Welcome and Questionnaire August-2018 .doac
Dear Holly,
Were delighted to introduce ourselves in the Production team at Austin Macaulev. If you
Haven't alfeady done so, please send your manuscript (preferably in Microsoft
Word format, not .pdf) as we're eagerly looking forward to working on your book with you.
It's an exciting time, of course, and we appreciate you're keen to see the book completed.
However, we need to do a lot of work to ensure we maintain our high standards and that will
be time consuming; we would welcome and appreciate your patience.
We'll be in touch at various stages during the procedure, but please do not panic if you don't
hear from us for several weeks at a time. Creating a book is not a quick and easy process.
Between now and the publication of your book, we would prefer any contact by e-mail rather
than telephone, if you'd be so kind, and will endeavour to reply to every message within two
working days at the very most, frequently more promptly.
In the meantime, please read the attached document carefully and return it to us at your
earliest convenience.
Kind regards,
Fallon Black
Publishing Coordinator to:
Vinh Tran and Joseph Lee
AUST'N MACAULEY r t. I. tl • I I U.
Austin Macauley Publishers Ltd
CGC-33-01, 25 Canada Square, Canary Wharf, London, E14 5LO
8212,
httpsi/outook.ilve.corn/ma,VO/A0MkADAwATNIZmYAZClAA2U5LTZMWMtMOACLTAv/CoAuAAADX\/01yWlonOia0iN4CohCOGAEAXoEEi%2F... 1/2
EFTA00263590
7/13/2020 Mad
Re: Reality By Holly Jackson
AM Production Team d
Tue 19/02/2019 10:25 PM
Dear Jacquline,
Hope you are well.
Kindly note that your manuscript has been house-styled into our standard book format and sent to the
proofreaders to create a set of proofs.
As soon as we receive the file, we will send it for your review.
Have a niceday.
Kind regards,
Fallon Black
Publishing Coordinator to:
Vinh Tran
AUST ti4 MACAULEY r I. 1• • 7i I .; • t I :1,
Austin Macauley Publishers Ltd
CGC-33-01 25 Canada Square, Canary Wharf, London, E14 5LQ
8212
www.austinmacauleys=
AUSTIN MACAULEY PUBLISHERS ',NOON • ••••11.ilrga • 'am
One of 2018's
Faded tow/
1w
PLEASE CONSIDER THE ENVIRONMENT BEFORE PRINTING THIS EMAIL
This email and any files transmitted with it are confidential to the intended recipient to which it has
been addressed. Unless expressly stated otherwise, this e-mail does not form part of a legally
binding contract or agreement between the recipient and Austin Macauley Publishers, Ltd.
Austin Macauley Publishers, Ltd. CGC-33-01, 25 Canada Square, Canary Wharf, London, E14 5LQ
8212
Virus checking software has checked this mail item, however responsibility cannot be accepted for
any transmitted viruses.
httpsiloutlookJIvo.00rnimail/0/AQMIcADAwATNIZmYA2C1jM2U51T2hNWMtMDACLTAwCgAuttAADXVO1yWIcn0laOW4CohQ6GAEAXoEEi% 2F... 1/3
EFTA00263591
7/14/2020 Mad - - Outlook
Re: Confidential : Amendments manuscript "Reality"
AM Production UK <[email protected]>
Mon 1/06/2020 10:31 PM
Dear
I trust you are well.
A I contacted our Editorial Department and work is still going on the manuscript of the book "Reality". As soon
as it is amended, you shall be notified.
Have a safe day.
Kind regards,
Anna Cooper
Publishing Coordinator to:
Vinh Tran
ALL YOU NEED TO K NOW ABOUT THE GLOBAL
CORONAVIRUS PANDEMIC READTHEEXPERTS . GLINT°
PREVENT ANOCONTROL
COVID-19 HERE! CEIRONATilplIS:
,4,_,New AMP logo for e-mail signatures ,Amage result for twitter logo 2017
cid:[email protected]
Austin Macauley Publishers Ltd •
•CGC-33-01, 25 Canada Square, Canary Wharf, London E14 5LQ
8212 or 0352
www.austinmacau/ey som
PLEASE CONSIDER THE ENVIRONMENT BEFORE PRINTING THIS EMAIL
• This email and any files transmitted with it are confidential to the Intended recipient to which it has been addressed.
Unless expressly stated otherwise, this e-mail does not form part of a legally binding contract or agreement between the recipient and Austin Macauley
Publishers Ltd.
Austin Macauley Publishers Ltd. CGC 33-01,25 Canada Square, Canary Wharf, London E14 MO Reg No. 6243206
Virus checking software has checked this malt item, however responsibility cannot be accepted for any transmitted viruses.
If received in error, please delete and notify the sender via
From
Sent: 29 May 2020 02:42
To: AM Production UK l>
Subject: Re: Confidential : Amendments manuscript "Reality"
Dear Anna,
https://outfooklive.corn/nutiVOfiriboxfid/AOQIcADAwATNI2mYAZeljM2U5LT7ANVVMtMCIACLTAwC4A 0AGerUXuCFz 5PhGdiOTO 2DCI%3CI 1/7
EFTA00263592
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taS I PelgrueinTRelge rrjrclpeCia‘etaelia.com> Gma
Confidential change of contact details 44 1 message
Cc: .4 12 July 2020 at 22:05
Dear Sammy,
I am contacting you to inform you of a change in my contact details.
plirn currently creating a professional email account on my new computer system and will contact you to provide you of This contact once created. *-
*Please do notend any more information or contact me on the previously supplied email address of our
correspondent it has been compromiseAnd is currently under Investigation and is being closed by an IT Specialist and Is no longer operational. X-
I can be contacted on this new email service to reply as it is my newly created personal email address.
Thank you
in Re ards
4 Author: Holly Jackson
NA 'Neu CAoract
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EFTA00263593
Commonwealth Bank of Australia
ABN 48 123 123 124
4 ecaisiirtt coN-TRecr pepucm -Fici\)*
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N,16afatrat COP-1 OF Im'ecic en( en 02O21
MS CommonwealthBank
Dear Ms IME
fk. Thank you for your Personal Loan application for $6,000. 4-
4 We have carefully assessed your application and unfortunately it has been unsuccessful 4-
4 based on your current financial circumstances This decision was based on information 4
4 received from the credit reporting body, Veda Business Information Services Limited,*
Loan amount: $6,000.00 if-
What you need to know
When we make a decision about whether to provide you credit, we consider a number of
factors. including information we already hold about you, new information that you provide in
your application and credit history information provided by credit reporting bodies.
Factors that can be taken into account include the adequacy of your income to meet
repayments on an ongoing basis, your other debts and financial commitments, the length of
time you have been employed and your credit history, including any bankruptcy, defaults,
serious credit Infringements, the number of applications for credit you may have made and
any recorded payment defaults.
In your case, one of the factors that led us to decline your loan application was credit history
information we obtained from Veda Advantage (and in some cases Dun & Bradstreet) for the
purposes of assessing your application.
What Next?
If you would like a free copy of your credit information file from a credit reporting body you
can request this within 90 days of this letter from:
• Veda Advantage Information Services and Solutions Limited — www.veda.com.au
• Dun & Bradstreet (Australia) Pty Ltd. — winv.checkyourcredit.com.au
We recommend you regularly check the accuracy of information held on you by credit
reporting bodies, as incorrect information may affect your ability to obtain credit.
7007 PL. V03.05.82 OW08/2021 15:41 Paoe 1 of 2
EFTA00263594
We're here to help
We would like to be able to help you reach your financial goals and we invite you to re-apply
at a later date. Personal circumstances can, and do, change over time, so please stay in
touch and we will be happy to meet with you to discuss your needs.
For information about accessing, correcting or making a complaint about the credit
information that we hold about you, please visit commbank.com.au (follow the Privacy
Policy link) to view the most recent copy of our Group privacy policy.
Yours sincerely,
Brian Moseley
General Manager, Retail Customer Service
7007 a V03.05.82 09/08/2021 15:41 Page 2 of 2
EFTA00263595
/13r 20 Mail - T Relm ic
illion CheckYourCredit I Documents Uploaded k
illion Public Access Centre <
* Tie 7/08/2018 12:20 PM
To:
Dear
Your Customer Reference Number: DVIN201808071483
You have successfully. uploaded your identification documents.
Please note your Reference Number listed above. You will need this number for any future
enquiries.
illion's Public Access Centre team will review your documents and you will receive an email
confirming the status of your identity verification within one business day.
Should you have any queries please contact illion's Public Access Centre on 1300 734 806
between 8.30am and 5.30pm, Monday to Friday. Alternatively visit our website at
checkyourcredit.com.au.
Kind regards,
illion Public Access Centre
illion Australia PO Box 7405 St Kilda Rd, Melbourne VIC 3004
t 1300 734 806 f 03 9828 3118 e w www.illion.com.au
This email message and any attachments are confidential. No confidentiality is waived or lost by any mistaken delivery. If you have
received this message in error. please notify us and immediately delete it and any copies from your system. My unauthorised use is
expressly prohibited and you must not disclose copy or relay any part of this correspondence if you are not the intended recipient.
https://oudoolclive.corn/mail/O/AOMIcADAwATNi2mYAZO1jM2USLTZhNWIAtMDACLTAwCgAuAAADXV01yWicnOia0W 4Coh06GAFAXoEEi%2F... 1/1
EFTA00263596
cers'")E-O aws - DC) teD FINnOcati._ tippucerrica)
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INDIVIDUAL
Jacqueline DIT REPORT
CONSUMER CREDIT INFORMATION
Accounts
No information recorded al"
—What Is a credit account?
A credit account is a facility for credit.
This section contains detailed information about the personal credit accounts in your name that have been
submitted to Ilion by credit providers.
This information can include the type of credit accounts, the credit limit's, the credit provider/s, and the date's
the accounts were opened and dosed. This information will remain on your credit report for up to two years
after the account is dosed.
Repayment History
No information recorded
What Is my repayment history?
Your repayment history Includes up to two years of detail about the monthly payments you have made to the
personal accounts listed on your credit report.
This repayment history information is provided to ilkon by credit providers on a regular basis.
Ftwoutregi ecrivrry vs/go& IN DENIM cegorr seppeAcerrioNts
cgireuz Rail ma benaRmATI04
N. Osb al lastow/meat 'Original
DOW :Date Type •Amount Current
Anoint Default'
:Accelerated Original Credit
Provider Comet Credit
Provider
i'l 1210112014 I i j i 'Unities, i 52.074 00: 52.074 AGL SOUTH Baycorp Pdl ,4 CollectionsrAus) 00 4c. j.AUSTRALIA OIL 1
No j sums Icredit otagation *canal Reason to Current Reason to :unpin' Customer
;reanotahpetbn Wort 'Report Reference Current Customer
Reference .
9054257602 1 ,1FriTiasal s Outstanding i • Payment Default Account Payment Default 19054257602
What is a default and how long does It remain on my credit report?
A default is information about a payment to a credit account that is at least 60 days overdue, where the credit
provider- has notified the individual in writing about the overdue payment and the overdue payment is equal to
or over $150.
A default remains on your credit report for 5 years from the date of default.
I have paid my default In full, how can I update the status of my default to reflect this?
The credit provider listed on your credit report is responsible for ensuring the default is accurate and up-to-
date. ff your default requires updating please contact the credit provider. Alternatively, please provide Mien with
Ilion Pubic Access Cents Per 3 of 12
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EFTA00263597
illion individual credit report INDIVIDUAL
CREDIT REPORT
application by you for credit. Commercial enquiries are credit appicalions intended for business purposes.
This assists you to know who has accessed your credit report Enquires are retained on your credit report for 5
years from the date of application.
How can I find out why I was refused credit?
As a credit reporting body, illion is not the dedsion maker. Man only supply the information. If credit has been
denied based on a illion credit report, refer to the credit provider to understand the reason for decline. It is
suggested that you should keep yourself informed of your aec%t history by obtaining an updated copy of your
credit report
Authorised Agent Enquiries
No information recorded
What Is an authorised agent enquiry and how long does It remain on my credit report?
An authorised agent enquiry is a footprint left by an agent acting on your behalf to assist you to obtain credit.
Mortgage brokers and automotive dealers are types of authorised agents. Authorised Agent Enquiries are
retained on your credit report for 5 years from the date of enquiry.
*Accesses • ke
No
R- ot Unique Customer . Amount TN* Enquiry Reference Organisation Credit
Obligation
Principal 09/08/2018 . Unspecified BAYCORP COLLECTIONS PDL S.,'
13:37 i her 01
(AUSntAuA) User 00-0001
2 10/07=2018 tither -1T:Vi (AUSTRALIA). Unspecified BAYCORP COLLEC11OFIS PDL Principal User 000001
3
r—13/0612018 Unspecerred ACYC°c . Rpni r PCTIONS Pfll Principal I her 14:04 — (AUSTRALIA). User 000001
09/05/2018 • her 12:54 Unspec ifiedilAYCORP COLLECTIONS PDL Principal (AUSTRALIA). User 000001
BAYCORPCOLLECTIONS FIX
(AUSTRALIA). User 000001 5 10/04/2018 I ther 23:31 .
UnsPeafted Principal
6 08103/2018 ether
16:31 UnspecifiedBAYCORP COLLECTIONS PDL
(AUSTRAUA). User 000001 Principal
Principal 7
8 08/022018 tither 11:59 Unspecified BAYCORP COLLECTIONS PDL
(AUSTRALIA). User 000001
09/0112018 • her 14:11 Unspecified COLLECTIONS PDL
(AUSTRALIA). (AUSTRALIA). User 000001 Principal
9 11/12/2017 ether 15.19 Unspecified BAYCORP COLLECTIONS PDL
(AUSTRALIA). User 000001 Principal
10 21i1112017 '1116 • her Unspecified BAYCORP COLLECTIONS POL
(AUSTRALIA). User 000001 Principal
1 03/10/2017
22;22 • her Unspecified BAYCORP COLLECTIONS PDL
(AUSTRALIA) User 000001Principal
Principal 12 04/09/2017 ether Unspec.tfied
10:37 BAYCORP COLLECTIONS P01
(AUSTRALIA). User 000001
13 26107/2017 s her 15:26 Unspecified
--7—ArV____NialE81011AL I.lag&laigeK.r.pciii.cicUnSpOC 0 BAYCORP COLLECTIONS PDL Principal (AUSTRALIA). User 000001
14 24/07)2017nnanni - - -- . al- „.v,
Illion Public Access Centre Page 7 of 12
EFTA00263598
ill occe-sst (IG cRan
ewe' illion individual credit report • .•,_
15
6 16,07/2017
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13:22
7 05/061017
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8 W05.1017
15:08
19 09/05/017
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23:40
22 16/12(2016
01:55
23
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02/09/2016
06:38
26
27
28 28/0712016
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.$2/06.12016.
10:47
23/051016
12:03
29
30 28/04/2016
13:53
20/04'2016
12.56
31 17/03/2016
13:44
17/02/2016
10:50
19/01/2016
16:28
15/01/2016
1525
.14/01/2016
12:49
6 21/1212015
15:56
37 23/11/2015
16:01
19/101015
13:55
18/091015 8
1660
0 2443812015
16:30
1 16/07/2015
14:20
20/0612015 ferrl Nt/ RECOR3M3
INDIVIDUAL
CREDIT REPORT
Other
Other BAYCORP COLLECTIONS PDL Unspecified BAYCORP
User 000001
Unspecite +1AROPIAL AUSTRALIA BANK User
000001
tins 1PAYCORP COLLECTIONS PM.*
Pec (AUSTRALIA). USN 000001 Principal
Principal
Principal
Other
Other
fittest X013
PonNTS taCcartsieD Other Unspecified
Unspecified
Unspecified
Unsplifi NATIONAL AUSTRALIA BANK. User
000001 Principal
BAYCORP COLLECTIONS POL
(AUSTRALIA). User 000001
BAYCORP COLLECTIONS POL
(AUSTRALIA). User 000001
IAT10h1AL AUSTRALIA BANK. User
000001
BAYCORP COLLECTIONS POL
(AUSTRALIA). User 000001
BAYCORP COLLECTIONS PDL
(AUSTRALIA). User 000001 Principal
Principal
Principal
Other Unspecified
Unspecified Principal
Principal
Unspec elplATIONAL AUSTRALIA BANK User e 000001 Principal
Other BAYCORP COLLECTIONS PDL Unspecified BAYCORP
User 000001
elecommunications Unspecified APIC. User 000001 Principal
Principal
Credit Cop Recoveries Pty Limited elecommunications Unspec ed User 000001 Principal
elecommunications
elecommunications Unspecified Credit Corp Recoveries Pty Limited.
User 000001 Principal
Credit Corp Recoveries Pty Limited. Unspecified User 000001 Principal
Other Unspecified
elecommunications
elecommunications
elecommunications Unspecified
Unspecified
Unspecified BAYCORP COLLECTIONS PDL
(AUSTRALIA). User 000001
CREDIT CORP FINANCIAL SERVICES.
User 000001
Credit Corp Recoveries Ply Limited.
User 000001
Credit Corp Recoveries Pty Limited.
User 000001
BAYCORP COLLECTIONS PVL
(AUSTRALIA). User 000001
BAYCORP COLLECTIONS PDL
(AUSTRALIA;. User 000001
Credit Corp Recoveries Ply Limited.
User 000001
Credit Corp Recoveries Ply Limited.
User 000001 Principal
Principal
Principal
Principal
elecommunications Unspecified Principal
elecommunications Unspecified Principal
elecommunications Unspecified Principal
elecommunications Unspecified Principal
Telecommunications Unspecified
Telecommunications
Telecommunications Unspecified
Unspecified Credit Corp Recoveries Pty Limited.
User 000001
Credit Corp Recoveries Pty limited.
User 000001
Credit Corp Recoveries Ply Limited.
User 000001
Credit Corp Recoveries Ply Limited.
User 000001
Credit Corp Recoveries Ply Limited. Telecommunications Unspecified Principal
Principal
Principal
Principal
Ilion Public Access Centre Page 8 of 12
EFTA00263599
illion
individual
credit
report IRA Leil: c REITTED i 'aiS skacRIMED UK) cp.eorr
Prv% NCA OR -regce-i-e.D oat N 00\Wi ES0SiNcsS cReDr
INDIVIDUAL
00:44
19105/201a
02:22
1710422015
16:39
17/03,2015 Telecommunications Unspecified
17/02:2015* CREDIT REPORT
Telecommunications Unspecified
Telecommunicstions Unspecified
µ telecommunications Unspecified User 000001
Credit Corp Recoveries Ply Limited.
User C00001
Credit Corp Recoveries Ply Limited.
User 000001
Credit Corp Recroeries Pty Limited.
User 000001
Credit Corp Recoveries Ply Limited.
User 000001 Principal
Pnncipal
Pnncipal
Pnncipal
What Is an access and how long does it remain on my credit report?
An access is a footprint left by an organisation that has viewed your credit report. Accesses are retained on
your credit report for 5 years from the date of access.
Accesses are recorded on your credit report for your information only, for you to know who has accessed your
credit report and car only be viewed by yourself. Credit providers and other organisations are not able to view
this information.
Serious Credit Infringement Notices
No information recorded
What is a serious credit infringement and how long does it remain on my credit report?
A serious credit infringement is the opinion of a credit provider that an individual has committed an act
involving fraudulently obtaining or attempting to obtain credit, or fraudulently evading or attempting to evade
their obligations in relation tc credit
A serious credit infringement is further defined as where a reasonable individual would consider that the act
indicates an intention by the individual to no longer comply with their obligabons in regard to the consumer
credit provided, the provider has taken reasonable steps to contact the individual but has been unable to do
so, and at least 6 months have passed since the provider last had contact with the individual.
Serious credit infringements remain on your credit report for a period of 7 years that starts on the day on which
the credit reporting body collects the information.
iillon Public Access Centre Page 9 of 12
EFTA00263600
el)t3U$HING, Ccd.ri ROC Pfr/t-le."-IATTS 20!S Commonwealth Bank Commonwealth Bank of Australia
ABN 48 123 123 124
5503-KADINA SA - KAbiM3 BRANC-11
Transaction Ref :
Transaction Date : 23•Aug-2018 (14:27)
Customer : 4 23-Aug-2018 14:27:56 ir
' Page : 1 / 1
Details of Overseas Draft Issued
(Customer Copy)
Draft Details - GBP 646.20
Draft Number: 452890020
Beneficiary : AUSTIN MACAULEY PUBUSHERS
Destination Country : UNITED KINGDOM Currency Amount : GBP 646.20
Drawn On : National Westrninister Bank Pie Exchange Rate : 0 5385000
City of London Office,
1 Princes Street
London EC2R 88P Amount: AUD 1.200.00
Payment Stamen
Total Convened Amount : AUD 1,200.00
Plus Service Fee : 30.00
Settlement By : DebitAccouM ST PAvtat epfl ,A- Payment Amount: AUD 1,230.00 *
Please note: Overseas banks may charge the payee fees for negotiating this Draft.
Terms & Conditions:
The Bank assumes no responsibity for circumstances beyond its control. In the absence of Its proven negligence, the Bank shall not be
liable for any loss or damage suffered as a result of the Sank acting on this instruction in good faith.
We collect personal info to: identify you for the AMUCTF Ad; share with third parties to complete transactions: or use It as per our
Privacy Policy (which includes how to access, correct or provide feedback on your info).
* (")fr-tmem-r PLAN FiRtZetC4e1). wi-n-1 AKIN PIACNA-67 1 POBLISEERS
inIs-veLtiehrf 5
If you require information regarding our International Products and Services, please visit the CBA web site www.cba.com.au or
contact your local branch for assistance.
EFTA00263601
AUST N VlACAULEY ..:PLIBLISFIERS LTD.
Author WELCOME
Au n . caule Publishers Ltd
EFTA00263602
te-actiRcAQic itkPiNef Ei4s Ner 4ic(rNa ICGNITRACT
v901 $ pH /MATS — 4 il-Sep_2018 13 53:36 'r'
Co rrrnonwealth Bank Page 1 / 1
Commons of Australia
N 48 1231.1 Details of Overseas Draft Issued
gADM SA Kett nit; t3Re&cki (Customer Copy)
Transaction Ref
Transacton Date
Customer : 11-Sep-2318 (13:53)
Draft Details - GBP $17.20
Draft Number : 452890031
Beneficiary : AUSTIN MACAULEY PUBLISHERS LTD
Destination Country : UNITED KINGDOM
Drawn On National Westminister Bank Plc
City of London Office.
1 Princes Street
London EC2R BBP Currency Amount: GBP
Exchange Rate : 517.20
0.5172000
Amount : AUD 1,000.00
Payment Summary
Settlement By : Casi ..C€.$Q eitYfilee Total Convened Amount : AUD 1,000.00
Plus Smite Fee : 30.00
•,* Payment Amount: AUD 1,030.00
Please note: Overseas banks may charge the payee fees for negotiating this Draft.
Terms & Conditions:
The Bank assumes no responsibly for circumstances beyond its control. In the absence of its proven negligence, the Bank shall not be
liable for any loss or damage safferod as a result of the Bank acting on this instruction in good faith.
We cornett personal into to: Identify you for the AMUCTF Act; share with third parties to complete transactions. or use it as per our
Privacy Policy (which includes how to access, correct or provide feedback on your info).
A. NO NoMe tetISER HAS EVER S1P-4\1 I Ntr-L-0 OW 11,1
'ELECaciM‘c_ E'ER COLITRAcr PRVMENTS C0MMY-AN6
IN i2Ottig..
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If you require information regarding our International ProduGs and Services, please visit the CBA web site www.cba.com.au or
contact your local branch for assistance
EFTA00263603
PUBLISH INE, c_ontRec-r- pe-ft-t-t\n -5 - Reacuri cob-fete-rep pRice
-ro POBLIcPrricN AtAceer t•1 tOTAL. (t)
Austin Macauley Publishers Ltd
Date Invoice No. Amount Invoiced Amount Pald Egyment Nethml Egyment Date
06-09-2018 14392 £ 646.20 £ 646.20 Paid by Cheque 06-09-2018
21-09-2018 14649 .--£ 517.20 £ 517.20 Pald by Cheque 21-09-2018
30-10:2018 15435 £ 255.40 £ 255.40 Paid by BACS 30-10-2018
04-12-2018 16122 £ 261.45 £ 261.45 Paid by BACS 28-11-2018
07-01-2019 16697 £ 0.00 £ 0.00 CANCELLED 07-01-2019.
07.01-2Q3k 16698 E 258.05 £ 258.05 Paid by BACS 27-12-2018
..-
05-02-2019 17287 £ 362.69 £ 362.69 Paid by BACS 23-01-2019
27-02-2019 17750 E 253.50 £ 253.50 Paid by BACS 27-02-2019
06-03-2019 17923 £ 0.00 £ 0.00 CANCELLED 06-03-2019
04-04-2019 18545 £ 251.95 £ 251.95 Paid by BACS 02-04-2019
01-05-2019 19127 £ 254.45 £ 254.45 Paid by BACS 24-04-2019
04-06-2019 19877 £ 439.11 £ 439.11 Paid by BACS 29-05-2019
Total Contract Amount £ 3500.00
Paid on These Invoices £ 3500.00
Already Paid Invoices £ 0.00
Total Amount Paid £ 3500.00 4
Total Outstanding £ 0.00 4
EFTA00263604
AUST N MACAULEY PUBLISHERSTM
LONDON • CAMBRIDGE • NEW YORK • SHARIAH
Media and Communications
Getting to know you & your book...
Congratulations] Your book is now published and has been passed to us to start the exciting journey of
marketing your book! We work hard to make sure we maximise all opportunities possible — to do this its helpful
for us to understand your journey so far by completing this questionnaire.
*Please indicate (Oen mirk* any dem& to remain confidential.
Full name — Please do not provide my real name to any source
Pen name I Holly Jackson — Prefer to be known as to other sources
Date of Birth
Book Tide
Genre
Citizen of
Home address
Home phone number
Mobile phone number
.A1 Email address Reality
Riveting Drama — Inspired by true events
Australia
Please do not provide my home address to any source.
- NEAr•lov cRceret) £QS
l~MHIL NON COMPOTEg
SYSTEM liscy 9c20
We may pass on your contact details to interested parties, including but not limited to local press and media,
libraries, bookshops, charities and schools.
Are you happy for us to do so?
YES xEl NO El CORM-11/2017
EFTA00263605
AUSTIN MACAULEY PUBLISHERSTM
LONDON • CAMBRIDGE • NEW YORK • SHARIAN
cycle of abuse to find herself and form her own path.
Reality — Wrong steps, wrong choices that plunged her life into mayhem and adversity only to rise up
through it all and re-build her lik once mote
Have you witten any other published books? fso, please lisd ibe book fides.
No but I have atecond book with your company under contract "On the Edge of Realitylthe second 4e
editionkand Ahird book in progress*, the third edition of this series, and =fin progress of writing two
mote booki,Chich I have informed the production team and why the clause was written into my contract
that your company has the first rights to any subsequent works. *
Have you appeared in newspapers, magazines, or on TV or radio? If so, which ones?
I have not appeared on TV , radio or newspapers for marketing of any form but have been on TV in the
form of being questioned regarding council township developments and have only had my picture taken
and placed in a newspaper for my involvement with Eventbrite, Women in Business organisation.
My experience is in business development, marketing, sales, business management, business administration
and currently also have a registered business under development and negotiating establishment.
On some occasions you may be asked to make public appearances or attend guest speaking events. This could
range from radio, books signings, author events, newspaper interviews and so on. Please detail below if you
foresee any issues in doing so.
COR/JR-11/2017
EFTA00263606
This
is
a
temporary
blurb.
The
retail
price
of
the book
and
the
final
blurb
will
be
agreed
with
the production
department
in
the
weeks
leading
up
to the
release
date.
Our
graphics
department
will then
add
this
information
to
the
back
cover
when the
book
is
being
finalised
for
print.
Please
do
not hesitate
to
📷 Images in this document (40 detected; 6 largest described)
AI-generated factual descriptions of embedded images (llava:13b). These are searchable across the corpus.
[Image 1] The image shows a book cover with a dark background. The title "REALITY" is prominently displayed at the top in large, bold, white letters. Below the title, the author's name "HOLLY JACKSON" is written in smaller white letters. The bottom of the cover features the word "PROOF" in a smaller font size and a different color, suggesting it might be the name of the publishing company or a series. The o
[Image 2] The image shows a document with text that has been redacted with black lines, obscuring certain words and phrases. The document appears to be a legal or official document, possibly a court ruling or a report, given the formal language and structure. The visible text includes references to a person named "Ms. Williams," a location "New York," and a date "15 April 2017." The document is marked with
[Image 3] The image shows a document with a table titled "Credit Report." The table contains rows with columns that include dates, names, and amounts. The document appears to be a financial or credit-related report, possibly from a bank or financial institution. The names and amounts are redacted, obscuring personal information. The document is a scan or a photograph of a physical document, and the text is
[Image 4] The image shows a document with text, which appears to be a contract or agreement between an author and a publisher. The document is titled "Author Contract" and includes sections such as "Class & Production," "Copyright," "Royalty," and "Filing the Manuscript." There are clauses and conditions outlined in the document, which are typical for such contracts, including terms related to the rights of
[Image 5] The image shows a scanned document, specifically a credit report form. The form is filled out with handwritten notes and corrections. It includes sections for personal information, credit card details, and a payment history. The form is dated and appears to be related to a credit card account. The handwritten notes suggest that the form has been reviewed and possibly corrected.
[Image 6] The image shows a document that appears to be a credit report or a financial statement. It includes a table with various columns such as date, description, amount, and balance. The document is partially obscured by a red rectangle, which seems to be a watermark or a marking to indicate that the document is confidential or restricted. The visible text includes the title "CREDIT REPORT" and a discla