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Prepared Fix JEFFREY E EPSTEIN DUPLICATE COPY h•Trxxxx XXX4-31005 Page 8 of 8 Identity Theft Assistance - Free from American Express No matter how careful you are, identity theft can happen to you. But here's the good news. With Identity Theft Assistance, we have representatives on call when you need them--24/7--in case the unexpected does happen. We can help determine if you are a victim of identity theft, recommend steps for recovery and offer tips on how to protect yourself in the future. On request, we'll also send you a comprehensive package designed to further help you navigate the recovery process. Should you discover that somebody is using your identity online or in shops, you can turn to American Express for help. And more good news--as a valued Cardmember, you automatically receive Identity Theft Assistance, free of charge. For more information, visit us online at www.americanexpress. comridtheftassIstance. (CE 105326) Sign Up For Account Alerts from American Express Get important information pertaining to your account delivered to you--whenever and wherever you want. With Account Alerts from American Express, you can choose to be notified when your payment is due or when it is received, when irregular account activity is detected or when you are approaching your line of credit/spending limit. Alerts can be sent to your e-mail address, mobile phone, pager or PDA. To sign up for Account Alerts visit www.amerlcanexpress. tom/alerts. (CE 105345) Use Your Card to Donate to Your Favorite Charity Charitable giving is easy and rewarding when you use your Card at the American Express Donation Site. Search and donate to over 850,000 U.S. charitable organizations. You can give to multiple charities in one transaction and your donation is 100% tax deductible. ww.v.amencanexpress. corn/donate. (CE 105344) Return Protection - We'll Take It Back When Others Won't From time to time, merchants refuse to take back items you purchase at the store or online. That's why it's nice to know if you're dissatisfied with any eligible purchases you made with the Card and the merchant won't take it back, Return Protection can help. Perhaps the item is too big. Maybe you don't like the color. Simply contact us within 90 days from the date of purchase and American Express will reimburse you for the purchase price up to $300 per item, excluding shipping and handling. Return Protection refunds are limited to up to $1,000 annually per Card account. Coverage is subject to additional terms, conditions, and exclusions. For more information, visit us online at www.amencanexpress. comketumprotection. (CE 105327) Enjoy Access F:t::::;:r:::::::/, i /,/,'3.• \ . ji ms tzWitnace ; .4 a ' ""”'.1To Once-In-A-Lifetime Experiences Enjoy exclusive access to once-in-a-lifetime experiences - from sports and fine dining to the visual and performing arts. These unique experiences are custom designed for Centurion members and are unavailable to the general public. Past offerings have included a wine dinner with an appearance by a world-renowned wine critic, and the opportunity to watch a famous artist at work in his private studio. Transportation and accommodation costs are additional unless otherwise stated. The price indicated covers event costs only. All sales are final and non-refundable and resale is prohibited. Details and prices are subject to change. Packages are available on a first-come first-served basis. Availability is limited. For a list of By Invitation Only events, call 1.800-455-1657 from 8 am. • 11 p.m. ET. (CE 105347) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726901 DUPLICATE COPY Centurion® Card Statement of Account 5,968g 709 Membership Rewards® Points A,vailable :at 12/31/04, when charges due are paid in >full and all accounts are in good standng, Preparid For closlm Dab JEFFREY E EPSTEIN 02/28/05 Page 1 of 8 Now Aclwity$ prediouslkWaS Paytnint ACWIN $ I Adjustments Now Balance $ Please Pay By 03/15/05 1,897.00 -1,897.00 +444.51 444.51 Please refer to page 3 for important information regarding your account Contact us at www.americanexpress.com or call Customer Service at 1-877-877-0987. Enjoy Broadway Like Never Before with the Your Reward® Program Standing ovations are guaranteed when you use Membership Rewards® points for an inspiring Broadway excursion. We'll arrange for two house seats to a Broadway show, a romantic dinner for you and your guest, and roundtrip limousine transportation. Let the Your Reward Program make this occasion extra special. Call a Your Reward Specialist today to experience Broadway and an unforgettable evening. To redeem this reward or learn more about all of our experiential rewards, please call 1.800-AXP-EARN (297-3276), 24-hours a day, 7 days a week. Points needed: 265,000. Maw .. • catirg deo Activity Mama A;(141ezersiirei(*IYitgAttigglii -,fliguL7;it.Due In Full Activity for JEFFREY E EPSTEIN CamIXMOMOMMODS 02/03/05 FREDERIC FEKKAI NY NY BARBER/BEAUTY SHOP ROC No. 0000000348 02/22/05 FREDERIC FEKKAI NY NY BARBER/BEAUTY SHOP ROC No. 0000003507 Amounts 156.20 288.31 Total Due in Full Activity 444.51 Floasofed on the Ferfaalan tecw.cletsh and Mum wth you: parsed Payment Coupon JEFFREY E EPSTEIN 457 MADISON AVE 4FL NEW YORK NY 10022-6843 Iul ..... Mail Payment to: 05 Please Pay By: 03115/05 Total Amount Due $444.51 AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 11111111 IlrrrIllllralll lllllrrlrlrrlrlrlll111f1 ,111,1 Continued on Page 3 Please enter account number on WI checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Check here if your address or telephone number has changed. Note changes on reverse side. EFTA01726902 DUPLICATE COPY Prepared For Mown! MAWS JEFFREY E EPSTEIN )OOO(•)OOOO(4-31005 • Page 2 of 8 Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking tydem, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be inc.ded on all payments. If payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars,. unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We wift process checks electronically at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unless the check is not amasser:to electronically or a less costly process is available. By submitting a check for payment you authorize us to initiate an electronic debit from your bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or asset account statement. If we cannot coiled the funds electronically we may issue a draft against your bank or asset account for the amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and CredIts: Subject to applicable law, we will apply and allocate payments and credits among Features and Charges on your Account in any order and manner determined by us in our sole discretion. Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the ADB Method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the Daily Periodic Rate (DPR) to the ADB (as described below) for each Feature (including current transactions). Different daily periodic rates may be a Wied to separate Feature balances. To get the ADB for each feature, we (1) take the beginning balance for each day (inWuding unpaid FC from previous billing periods) (2) add any new transactions, debits, or fees (3) subtract any payments or credits, and (4) make any appropriate adjustments. For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by the DPR for the Feature. This gives us the daily balance for the Feature for that day and the beginning balance for that Feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the Feature for the billing period and divide the total by the number of days in the billing period. This gives us the ADB for the Feature. For all Features the ADB will be considered to be zero if you paid the total Account balance,. if any, shown on your previous month's statement by the Closing Date of the current billing period. If you multiply the AD B for each Feature by the number of days in the billing period and the DPR for that Feature, the result will be the FC assessed on that Feature except for variations caused by rounding. The total FC for the billing riod is calculated by adding the FC assessed on all Features of the Account. This method of calculating the ADS and FO results in daily compounding of FO. Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at the number indicated on the frontof this statement, but doirgso will not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay,any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you.question. If you have authonzed us to pay your bill automatically from your checking or savings account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried In good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. If you do not make sufficient charges against the aedt balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800.518.8866. Change of Address It coded on load de rd wee Name Company Name Shred. Address City. Slate Lp Core Ages Code and Home Phone Area Cede and Work Phone Email To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-877477-0987 24 hoursi7 days Express Cash 1.800-CASH-NOW International Collect 1.954-503.8905 Hearing Impaired (9am-5pm EST) TTY: 1.800.221.0050 FAX: 1-800-695-9090 In NY: 1-800-552-1897 Correspondence Customer Service, The Centurion' Card from American Express P.O. Box 297846 Ft. Lauderdale, FL 33329-7846 Customer Service P.O. Box 297804 Ft. Lauderdale, FL 33329-7804 Payments P.O. BOX 2855 NEW YORK NY 10116-2955 Providing your email address to American Express will enable you to receive special offers, suitedto your needs. EFTA01726903 DUPLICATE COPY Prqaared For JEFFREY E EPSTEIN Arxounl Itrbse CLAsig DMe XXXX-X>0O0(4-31005 02(28/05 Page 3 of 8 Important Notice Information on Flexible Payment Features You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual Percentage Rates (APRs) and Daily Period° Rates (DPRs) for the Flexible Payment Features are as follows: For Sign & Travel, the APR is 11.13%, the 0PR is 0.0305% Please refer to page 2 for further important information regarcing your account EFTA01726904 Repend For JEFFREY E EPSTEIN DUPLICATE COPY )000(-)0000(431005 Page 4 of 8 EFTA01726905 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) Iminv.americanexpress.comirewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembelMitHafiads Plus"' Monthly Statement and Program News Statement Period December 1, 2004 - December 31, 2004 Account activity after this period does not appear on this statement PMPWed for JEFFREY E EPSTEIN nal Meter Points are available when charges are paid in full and all your accounts are in good standing. Available points Include everyday spend points. Available Points 5,968,709 Everyday Spend Points earned this period: 27,743 Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 6,202,510 +166,199 -400,000 0 =5,968,709 Page 5 of 8 American Express* Earn Double Points for all your Everyday Spend- groceries, gas, pharmacy New Points Earned 12/01/04 • 12/31/04 Points Activity On Eligible Charges Everyday Spend Points Bonus Points Awarded Total Pointe Activity Per Card Centurion 3715-657814-31005 765 0 85 CONSUMER CENTURION GROUP COE 850 Platinum 3713-818259-32002 0 0 0 0 Gold 3718.463688.41000 18,593 0 0 18,593 Addl Gold 3718.463688.44012 851 0 0 851 Addl Gold 3718-463688-43030 26,534 0 0 26,534 Addl Gold 371846368841042 0 0 0 0 Business Gold 3727-162568-41009 0 0 0 0 Gold 3727-686332-61005 0 0 0 0 Add 'I Gold 3727-686332-62011 44,662 17,186 0 61,848 Add 'I Gold 3727-686332-63027 40,190 10,374 0 50,564 Addl Gold 3727-686332-62060 6,776 183 0 6,959 Totals 138,371 27,743 85 166,199 Points Transferred or Redeemed 12/01/04 - 12/31/04 Points Transferred or Redeemed Request Date $1,000 Saks Fifth Avenue Gift Certificate Amount 'saber 00101815/8 100,000 12/03/04 $1,000 Saks Fifth Avenue Gift Certificate Account maim 0010181547 100,000 12/03/04 $1,000 Saks Fifth Avenue Gift Certificate Account rather 0010811548 100,000 12/03/04 $1,000 Saks Fifth Avenue Gift Certificate Account unbar 0010181549 100,000 12/03/04 Total 400,000 Mentgithlp Rieman:1i PLI pokes owned may be transferred tx redeemed as long ea as emoted Card oxcerts are in geed staning Pants transfewed or roaccnica canna be renewedback into the program. Fond led points can be reinstated tor a fee by calling the number provided below. Emble Cardcharges ere *Pined in the Montero*. Reerant Plus program Tenn: ad Cordite:mins,: Membership Rewards Plus Guido. II you ham questions, pews vac www.arnstIcannacceas.conemembershiprewaraspIus or cal 1-EMAXP-1093 (2974090). Fran overseas, call coke, 205816-2799. Continued on reverse EFTA01726906 Prepared for EIRWIPAWATE COPY JEFFREY E illiggilAcdcuntNimber .4merican Expresso rignieepSHIP Page 6 of 8 Alt flitali EXprref' MEMBEASNIP 111. 4r4finiA l" Afilltetill3 ES 71*$* Me M e E 'Ittg ['Ili RD T H E CAPITAL: G.R.I.L.L.E daringcties Support Tsunami Support Reliefs with Membership Rewards® points Use Membership Rewards points to support the Tsunami Disaster Relief effort. Now through March 31, 2005, you can redeem points TO MAKE A DONATION TO ANY OF 70 organizations that are providing aid in countries affected by Tsunami. Earn Triple points at American Pearl Choose the beautiful gift of pearls or another unique creation for someone special at American Pearl. Packaged in a distinctive red box, your American Pearl gift is sure to strike the perfect romantic note. And now, you can earn triple Membership Rewards® points on any purchase of $1,000 or more now through April 30th, 2005. aler valid km December 1.2001 to Ord 30, 2C05 purchases cd $1.000 or mere. To be *tie beam tortes point, ya rrcbt be arced hew PAecnberibp Reward* engem el the One of putteese and you mat Norge yap perch.= a an Node, carded knercan ExTreeet, Ca:elective Orris ?Alb, credted le yew Membenstop Rematch rocountwittin 64 mein Met theses cg:peas on yevr brag ',Werner& &cos ID- lee Redeem points for The Capital Grille Certificates Enjoy gracious service and an elegant and relaxed atmosphere at The Capital Grille. Nationally acclaimed for dry-aging steaks on the premises, The Capital Grille serves classic steakhouse offerings, such as chops, lobsters and fresh seafood. The restaurant also features an award-winning wine list with more than 300 wines from which to choose. Redeem points for a $100 or 5250 The Capital Grille certificate. Vote the Membership Rewards® program Your Favorite Rewards program! Now through March 15, 2005, you can vote for the 17th Annual Freddie Awards. This is your chance to voice your opinions about your favorite frequent travel program, like the Membership Rewards program. Bloomingdale's Makes Membership Rewards® points More Fashionable Now, when you use your eligible, enrolled American Express® Card*, you can redeem your earned points for Bloomingdale's gift cards** that are valid at all Bloomingdale's stores and on bloomingdales.com. 'borne roman, imminent and palmed d an annual pecgrem lee. Terms, ccodecce and rrnerkeons accly. —Tema and condors are appkd bsll Cage. For more information, log on to www.ammicanexpress. com/rewards. (MR Message 4061) Visit www.americanpeartcom or call 1.800.847-3275 to shop and earn points. (Bonus ID 1048) Log on to www.americanexpress. corn/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 4012) Log on to vmnvireddieawards.com to cast your vote now! (MR Message 5218) For a store near you, visit vnvw. bloomIngdales. corn or call 1.800.555 -SHOP (555-7467). (MR Message 1014) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726907 DUPLICATE COPY Repent! Foe JEFFREY E EPSTEIN Accarg Hinter czoeirg Dam >00000000(4-31005 02/28/05 Page 7 of 8 CustomExtras - Support Tsunami Relief Efforts At American Express, we are committed to supporting relief efforts in the Asian countries devastated by the recent earthquake and resulting tsunamis. Given the enormity of the recent disaster in Southeast Asia, we want to maximize the support given to the many relief organizations that are collecting funds at this time of great need. Therefore, we have decided to waive all fees associated with accepting American Express® Card charges for tsunami disaster relief organizations that have all been recognized by the U.S. government as providing assistance to people affected by the earthquake and tsunamis. To support tsunami relief, you can donate through the American Express Tsunami Relief page located off of the American Express home page at www.american express.com. Please click on the "Help Support Tsunami Relief Efforts" link (CE 105485) Year-End Summary Available Online Your detailed Year-End Summary for 2004 is accessible online with increased functionality and flexibility. New this year is the option to sort charges as "personal" or "business" for easier tax preparation and more efficient expense management. A copy of the summary will also be sent to you by mail. Access your Year-End Summary online at www.americanexpress.com/yes. Then log in with your Manage Your Card Account user ID and password. _ 11:41", ""c`".1 • .3 ras Please call Centurion Customer Service at 1.877.877.0987, option 3 with any questions. (CE 105453) Enjoy Early Access to Great Tickets Be the first. Get some of the best. At venues in New York, LA, and Miami, Centurion® members get early access to luxury suites and ticket sales for certain concerts, sporting events, and more. The seats are often not available to the general public. Even better, Centurion members frequently have access to VIP areas for a look at the action up close. All sales are final and nonrefundable and resale is prohibited. Details and prices are subject to change. Suites, packages, and tickets are available on a first-come, first-served basis. All ticket orders are subject to service charges. Payment must be made using the Centurion Card from American Express. Ticket limits may apply. Availability is limited. Tickets will be sold in pairs. rereted es-r-s^.-51 ' lice! To purchase tickets or gel more information, call 1.800.455.1657 daily between 8:00am and 11:00pm. (CE 105450) Great Ski Offers at American Express Selects Visit American Express Selects at www.americanexpress.com/ski for great ski offers exclusively for American Express® Cardmembers. Whether you want to ski the moguls in Maine or cruise the powder in Park City, we have valuable offers to help you travel to your favorite resorts for an incredible ski vacation. Visit wvnv.american express.com/ski for great ski offers. (CE 105422) Now Accepting American Express® Cards! Life Line Screening - Painless, non-invasive screening for strokes, completed in 10 minutes. Coast-to-coast availability. Call 1-800-597-3754 or visit www.lifelinescreening.com. Princess House - Products that help you cook with confidence, entertain with ease and dine with distinction. Enhance your home and your life, contact us at www.princesshouse.com. RK - REBECCAS of Greenwich, CT has opened RK...An American Brasserie located at 22 Elm Place in Rye, NY. Modern America Cuisine behind a glass wall kitchen. Call 914-967-8900. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 1 ngf4A9) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726908 Proromei For JEFFREY E EPSTEIN DUPLICATE COPY Accost Number >CO0O0O=4-31005 Page Sof 8 Pay Your Bills Automatically With the Card Pay everything from your cable and telephone bills to your newspaper subscription and health club membership with your Card. It's a simple way to consolidate your payments and to help ensure your bills are paid on time. You will have fewer checks to write and you will still continue to get a statement from your service provider to keep for your records. To learn more, visit www.americanexpress.com/abp26 and find a complete list of participating providers. Visit www.americanexpress. com/abp26 for a list of participating providers, or to learn more. Start benefiting from the convenience of Automatic Bill Payment today! (CE 105477) Centurion® Concierge - Dedicated to Your Needs Centurion Concierge can help you with virtually any request, at any hour, anywhere in the world. Have Centurion Concierge secure reservations at an international or domestic restaurant for a special occasion or upcoming trip, locate goods and services unavailable locally, research entertainment options, arrange for special gifts, and much more. It's like having a personal assistant with you while at home or while traveling abroad. ;V•z.,nenctriverfee41,3 v' Tots OPIT 'mina There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning. Call Centurion Concierge at 1.877.877-0987, option 2 to take advantage of the professional kiestyle assistance available to you. (CE 105478) Special Access with Elite Frequent Flyer Benefits Without having to meet any mileage requirements, you are entitled to enroll in the Gold Elite level of the frequent-flyer programs of Continental Airlines, Delta Air Lines, and US Airways®. You'll receive all of-the current program benefits and accrue miles at an accelerated rate. .,i, ...... ... . ... . s i.1.7.. s . 41* 'm .• .r- nil' 1,.......j. os Benefits vary from program to program and we subject to change without written notice. Benefits are based upon space availability. The terms and conditions of each individual partner program apply. Partner programs require enrollment. Participating partners are subject to change. To take advantage of these valuable benefits, contact Centurion Customer Services at 1.677.871.0987, option 3. (CE 105480) Earn Double Points Every Day on the Centurion® Card Earn double Membership Rewards® points for your purchases when you use your Centurion Card at supermarkets, drugstores, gas stations, the U.S. Postal Service, and to pay your wireless phone bill. Double points for everyday purchases is an ongoing benefit of your Centurion membership. Double points for purchases made with the Card at qualifying stand-alone supermarkets, drugstores, gas stations, the U.S. Postal Service, and for payments for wireless phone bills (excluding bulk purchases of wireless time) will be credited to your Membership Rewards account 12 -14 weeks after charges appear on your monthly billing statement. Not valid in the departments of superstores and warehouse clubs. Terms and conditions for the Membership Rewards program apply. .,,:: ..... it i.T. .Cisr".", It 3115ii*1/0ii 11 k\::-.......• 'a 4 For more information, call Centurion Customer Service at 1-677-877-0987, option 3. (CE 105479) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726909 Centurions Card Statement of Account Precacd For JEFFREY E EPSTEIN Novick. Balance $ 444.51 Pawnee* K£4MS -444.51 DUPLICATE COPY N. easle•c. AgAvatneras +553.79 New Balance $ 553.79 CiaurgDwo 03/29/05 6,109,814 Membership Rewardse Points at 01/3105, svhen charges due‘are paid in full'and all accounts ire in "good standng. Page 1 of 10 Please Pay By 04/13/05 Please refer to page 3 for important information regarding your account See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice Contact us at www.americanexpress.com or call Customer Service at 1-877-877-0987. Activity ."°"RavingeAnwuntS L03/1161,05e:4•PilkiailitroOtred - Thank You Due in Full Activity for JEFFREY E EPSTEIN Chad )000(-XOcOC#31®S 03/05/05 FREDERIC FEKKAI NY NY BARBEFVBEAUTY SHOP ROC No. 0000006003 03/10/05 2ND AVE DEU NEW YORK NY 01 FOOD/BEVERAGE 03/15/05 PALM RESTAURANT -NEW NEW YORK NY FOOD/BEVERAGE FOOD/BEV 66.26 TIP /44451 Amount$ 171.20 21.13 66.26 03/24/05 TRAVISA VISA SERVICENEW YORK NY PROFESSIONAL SERVICES 139.00 03/24/05 FREDERIC FEKKAI NY NY BARBER/BEAUTY SHOP ROC No. 0000000027 156.20 Total Due in Full Activity 553.79 Fleaao loll cnaeperbrazn blow. doxh and calmwill pact parnem Payment Coupon JEFFREY E EPSTEIN 457 MADISON AVE 4FL NEW YORK NY 10022-6843 Itttllllanlltttltltlttltltilrrlrtlttlltlltllltltltlattiltllll Mail Payment to: Total Amount Due $553.79 AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Continued on Page 3 Please Pay tw13/Boy as s: numberPlee ennntearilaaceoaukant and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Check here if your address or telephone number has changed. Note changes on reverse side. EFTA01726910 DUPLICATE COPY Peepatol For JEFFREY E EPSTEIN Account Norther )OOO(-XXXXX4-31005 Page 2 of 10 Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking oystem, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included on all payments. If payment does not conform to these requirements, crediting may be detayed and additional Charges may be imposed. If we accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debit from your bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or asset account statement. If we cannot cdiect the funds electronically we may issue a draft against your bank or asset account for the amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subject to applicable law, we will apply and allocate payments and credits among Features and Charges on your Account in any order and manner determined by us in our sole dscretion. Finance Charges: Average Daily Balance (ADP) Method for Calculation of Finance Charges (FC): We use the ADB Method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the Daily Periodic Rate (DPR) to the ADB (as described below) for each Feature (nducfing current transactions). Different daily periodic rates may be applied to separate Feature balances. To get the ADB for each feature, we (1) take the beginning balance for each day (including unpaid FC from previous billing periods) (2) add any new transactions, debits, or fees (3) subtract any payments or credits, and (4) make any appropriate adjustments. For each day after Me first day of the billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by Me DPR for the Feature. This gives us the daily balance for the Feature for that day and the beginning balance for that Feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the Feature for the billing period and divide the total by the number of days in the billing period. This gives us the ADB for the Feature. For all Features the ADB will be considered to be zero if you paid the total Account balance if any, shown on your previous month's statement by the Closing Date of the current billing period. If you multiply the ADB for each Feature by the number of days in the billing period and the DPR for that Feature, the result will be the FC assessed on that Feature except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all Features of the Account. This method of calculating the ADB and FC results in daily compounding of FO. Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it wilt be convertedinto US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that IS acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such es airlines) will be billed at the rates such establishments use. Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect or it you need more information about a transaction on your bill, write us on a separate sheet of paper at the Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your checking or savings account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800-518-8866. Change of Address Plowed on front do not no Name COmpany Nat. Strom Address Gil', Sta* to O:do Area Code and Home Primo Area Code and Utak Phone Email r _LiTo Pay By Phone 1.800472--9297 Customer Service and Lost or Stolen Card 1.877-877-0987 24 hours/7 days Express Cash 1-800-CASH-NOW International Collect 1.954503.8905 Hearin Im (9am EST) TTY: 1I.800.221.0050 FAX: 1-800-695-9090 In NY: 1.800.552.1897 • Correspondence Customer Service, The Centurion. Card from American Express P.O. Box 297846 Ft. Lauderdale, FL 33329-7846 Customer Service P.O. Box 297804 Ft. Lauderdale, FL 33329-7804 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Providing your email address to American Express will enable you jto receive special offers, suited to your needs. EFTA01726911 DUPLICATE COPY hewed Fa JEFFREY E EPSTEIN Account Nunr Clown; Ode Page 3 of 10 XXXX-XXXXX4.31005 03/29/05 Important Notice Please refer to page 2 Information on Flexible Payment Features for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodc Rates (DPFts) for the Flexible Payment Features are as follows: your account • For Sign & Travel, the APR is 11.39%, the DPR is 0.0312% EFTA01726912 DUPLICATE COPY Pmper•IFor tont Nurher JEFFREY E EPSTEIN )000C-X>000(4-31005 Page 4 of 10 EFTA01726913 NlembelWitgferrils Plus° Monthly Statement and Program News For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpress.conVrewards American Express Statement Period January 1, 2005 - January 31, 2005 Account activity after this period does not appear on this statement Proparedla JEFFREY E EPSTEIN Matti:h . Reno:dee Aoccant Number Available Points 6,109,814 Membership Rewards P.O. Box 297813 Points are available when charges are Everyday Spend Points earned this period: Ft. Lauderdale, FL 33329.9785 paid in full and all your accounts are in good standing. Available points Include Everyday Spend Points. 27,991 Account Summary Opening points balance 5,968,709 New points earned +141,105 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =6,109,814 New Points Earned 01/01/05 - 01/31/05 Points Activity On Everyday Spend Bonus Points Eligible Charges Points Awarded Centurion 3715-657814-31005 1,897 0 0 1,897 Platinum 3713.818259.32002 0 0 0 0 Gold 3718-463688-41000 15,275 396 0 15,671 Aden Gold 3718-463688-44012 87 0 0 87 Addl Gold 3718-463688-43030 10,981 0 1,814 Orbitz 2x pis 2004-6 1917 12,795 Add! Gold 3718,463688-41042 0 0 0 Business Gold 3727-16256841009 0 0 0 0 Gold 3727-686332-61005 0 0 0 0 Add 'I Gold 3727-686332-62011 42,483 14,154 0 56,637 Add'! Gold 3727-686332-63027 36,205 13,025 0 49,230 Add? Gold 3727-686332-62060 4,372 416 0 4,788 Totals 111,300 27,991 1,814 141,105 Page 5 of 10 American Expr.” se Earn Double Points for all your Everyday Spend - groceries, gas, pharmacy Total Points Activity Per Card Membership Rewards Plus points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards Plus program Termsand Conditions in your Membership Rewards Plus Guide. If you have questions, please visit www.americanexpress.com/membershiprewardsplus or call 1.800•AXP-1090 (297-1090). From overseas, call collect 305.816.2799. AIR CANADA Transfer Membership Rewards® points to Aeroplane Miles Transfer Membership Rewards points to your Aeroplan Miles account and enjoy worldwide travel! Journey to over 700 destinations in 120 countries on any of the 17 members of the Star Alliance' network, including Air Canada. Flights start at just 15,000 Aeroplan Miles. 1,000 Membership Rewards points equal 1,000 Aeroplan Miles. For more information on Aeroplan, visit www.aeroplan.com or call 1-800-361-5373. Tams and cc...dhotis ci the Mater: Sp Retards poRran sixty. For more inlarriation, www.membershipcewards.com. To review these rewards and redeem points, visit vnyw.amerIcanexpress. corn/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 2027) Continued on mom Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726914 American Ear' resSO rttkts .com AMC; teal: Express' MBE-MOB c hjprip /As • FTD.COM SPORTS Autu9RFK Precebeed EIRypalrFATE COPY JEFFREY E • rl Number tak ' RBARDAPEarn Double points for Your Tickets at kt.com With 15 year's experience, tkt.com offers premium seating to concerts, theater and sporting events. Now earn Double Membership Rewards® points on all your tickets through April 15th, 2005. Cloar max:114.7n d 2.503 bona poi t. 010, expires, Apa 1911, 2005. robe 00* lo own bonus pcnts, you roun to On( 0401 in ITO Members/soRewards prayrun at the tune or punkt," and you mat charge your Connate cc an eltottr. erroro4 Amencal Excreo40 Card. Bonus pcints oru be cradled to Your Merrnonho Rewards recount within 68weeb aver charges appear on 'our bdwj starcrnent eau 0:2764. Introducing TAG Heuer to the Membership Rewards® program TAG Heuer watches are now available in the Membership Rewards program. You can choose from watches such as the TAG Heuer Formula 1 Chronograph Watch (CMP1) for 85,000 points or the TAG Heuer Aquaracer Men's Quartz Watch (CMP2) for 110,000 points. Al product atm aro sobjoct to avalcalty. Nato rewards may net be reamed or err:harped wins Cowan to be damped co delataut Damped co deficave lin mutt be returned witin 100ayeddielvery. No odavewa ream we aricephod Wier 1044*. Spoil Mom with Flowers & Gifts from FTD.COM! Mother's Day is Sunday, May 8th! Redeem Membership Rewards® points and spoil the special Mom's in your life. Redeem points for certificates towards fresh flowers and unique gifts from FTD.COM. Or, shop online using your American Express Card and send her a floral arrangement hand delivered by a quality FTD® Florist or spoil her with a special gift of chocolates, a spa set, jewelry and more! Come WeeCurexclusive line cif FTDe Mother's Day products.Shop early for the best selection! Hotel Night Stays Start at Just 10,000 Priority Club® Points! With more than 3,500 locations worldwide, the Priority Club Rewards family of hotel brands includes InterContinental®, Crowne Plaza®, Hotel Indigo'", Holiday Inn®, Holiday Inn Express®, Staybridge Suites® and Candlewood Suites®. Redeem Priority Club points for free room nights, gift certificates and brand-name merchandise. Tams and cordtcoa d the Martership Rewards. Foy= qxky. Foe more inbemabon, vis:1 revny.mamberahlprewardssom. Redeem points Today for Spring Savings Sports Authority, Gan Sports, Sportmart and Oshman's carry an unbeatable selection of golf, team sports, snowsports and fitness equipment, plus, much more at great prices! Redeem points today for the best in sports! Page 6 of 10 Book online at www.tld.com or call 1.800-ALL-SHOWS to eam Double points. (Bonus ID 2764) View all of the TAG Heuer rewards at www.amerIcanexpress. corn/rewards. (MR Message 9355) Shop online at vAvw.ttd. comtamexmr75 or call 1-800-SEND-FTD and give promo code 2112. (MR Message 8513) To review these rewards and redeem points, visit www.americanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 9353) Call 1.888-LOOK4TSA (566-5487) for the store nearest you. Reward certificate may be redeemed for product only. Limit one certificate per purchase. Valid at store locations only. Not valid online. (MR Message 8074) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726915 DUPLICATE COPY Paciaal Fa JEFFREY E EPSTEIN Co:4v Da* Page 7 of 10 03/29/05 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement ("Agreement') governing the American Express. Card Account Identified on this Notice. Unless otherwise Indicated below, these changes become effective with billing periods beginning on or after May 1, 2005, whether or not you receive a billing statement. This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (including increasing APRs/DPRs and fees, changing fixed APRs/DPRs to variable APRs/DPRs, and adding new terms) in accordance with the Agreement governing your Account. All terms of the Agreement not amended herein remain in full force and effect. This is an important Notice of changes to your Agreement. We recommend that you carefully review these changes, share them with any Additional Cardmembers on your Account, and keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Determining the Prime Rate Applicable to your Account We are changing the timing of when we determine the Prime Rate used to calculate the variable APRs (and corresponding DPRs) applicable to your Account. Accordingly, we are replacing subsection C of the Finance Charges on Features section of your Agreement with the following: 'C. The 'Prime Rate' Is determined once with respect to each billing period. The Prime Rate for each billing period is the Prime Rate - • published in the Money Rates section (or successor section) of The Wall Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever is higher. In each case, if such a day Is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. Any Increase or decrease to an APR resulting from a change in the Prime Rate takes effect as of the first day of the billing period. An Increase in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to your Account will increase and you may incur higher Finance Charges and may have a higher Minimum Amount Due? Average Daily Balance Method for Calculation of Finance Charges (Effective May 8, 2005) We are revising the Average Daily Balance Method for Calculation of Finance Charges section of your Agreement to add the following two sentences to the end of that section: °In our sole discretion, we also may round any calculations made in determining the Finance Charges on your Account in any way that is convenient to us. Any such rounding may apply to or cause-variations In your DPRs.' Arbitration (Effective May 8, 2005) We are amending certain subsections of the Arbitration section of your Agreement as follows (references to subsections below refer to those subsections in the Arbitration section of your Agreement): We are replacing the first sentence of the Definitions subsection with the following: "As used in this Arbitration Provision, the term "Claim' means an