EFTA00556161.pdf

m Centurion* Card JEFFREY E EPSTEIN Closing Date 10/10/12 New Balance $48,578.90 Amount Due $47,881.90 Please Pay By 10/25/12 2 See page 2 for important information about your account O See Page 19 for Important Changes to Your Account Terms See Page 21 for Important Changes to the Arbitration provision Your payment of $48,578.90 will be debited from your account on 10/25/12. Any inquiry to American Express concerning this debit should be made by 10/23/12. If your AutoPay payment is less than your Amount Due, we must receive an additional payment for at least the difference by your next Closing Date. Your billing inquiry is under investigation. No payment on the amount under review of 5697.00 is required at this time. To view the status of your investigation, please visit us at americanexpress.comfinqulrycenter. 121 Payment Coupon Do not staple or use paper clips p. 1:25 Account Ending 0-13001 Membership Rewards Points Available and Pending as of 08/31/12 3,249,459 For up to date point balance and full program details, visit membershIprewards.com Account Summary Previous Balance $41,337.68 Payments/Credits 467,444.81 New Charges +$74,686.03 Fees +s0.00 New Balance $48,578.90 Daysin Billing Period: 31 Customer Care PaybyComputer americanexpress.com/pbc Customer Care Pa b Phone 1 1 O See page 2 for additional information. Pay byComputer irU Phone amencanexpress.com/pbc 1 JEFFREY E EPSTEIN 9 E 71STST NEW YORK NY 10021-4102 n Check here if your addressor phone number has changed. Note changes on reverse side. AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Account Ending 0-13001 Enter account number on all documents. Make check payable to American Express. Please Pay By 10/25/12 AutoPay Amount $48,578.90 IIIIIIIIIIIIIIIIII IInJIrrLllrrrlllrrrlrrrllLrnlrrll 0000349991868454851 004857890004788190 06 rl EFTA00556161 JEFFREY E EPSTEIN Account Ending 0-13001 p. 2/25 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check 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 system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional Interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Pleasedo not send post-dated checks as they will be deposited upon receipt Any restrktive languageon a payment we accept will have no effect on us without our express prior written approval. We will represent to your financial institution any payment that is retumed unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your deposit or other asset account We will process checks electroo 'tally by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unless the check is not processabk electronkally Of a less costly process Is available. When we process your check electronically, your payment may be withdrawn from your deposit a other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your financial account statement if we cannot collect the funds electronically we may issuea draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronkally withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. Now We Cakulate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions)to cakulate the balance on which we charge Interest for Pay Over Time balances on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting Interest charges are determined. The method we use to figure the ADS and interest results in doily compoundingof interest. Paying Interest: if you havea PayOver Time balance, your due date is at least 25 days after the close of each billing period. We will begin charging interest on transactions added to a Pay Over Time balance as of the date they are added. However, we will not charge interest on charges added to a Pay Over Time balance automatical ly (fotexampk, Sign& Travel and Extended Payment Option) if you pay the Account Total New Balance by the due date each month. Foreign Currency Charges: If you make a Charge in a (amigo currency, we will convert it Into US dollars on the date we or our agents process it. We will choose a conversion rate that Isacceptable to us for that date, unlessa particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we Identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges convened by establishments will be billed at the rates such establishments use. Credit Balance: A credit balance(designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is S1.00 or more. Credit Reporting: We may report Information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the NY Banking Dept. fora comparative listing of credit card rates, fees and grace periods at 1 Customer Care & Billing Inquiries International Collect Large Print & Braille Statements Express Cash -a l 1 Hearin Impaired 1 TTY:1 1 FAX:1 1 • W In NY:1 Changeof Address If correct on front, do not use. • To change your address online, visit www.americanexpressxom/updatecontactinfo • Far Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print dearly In blue or black Ink only In the boxes provided. Street Address City, State Zip Code Area Code and Horne Phone Area Code and 1Vork Phone Email Website: americanexpress.com Mobile Site: amexmoblle.com Customer Care & Billing Inquiries P.O. BOX 981535 EL PASO, TX 79998-1535 Payments P.O. BOX 1270 NEWARK NJ 07101..1270 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automatically each month Visit americanexpress.comMutopay today to enroll. Fog/Information on how we protect your privacy and to set your communication and privacy choices. please visit vavrw.amerIcanexpress.comtprivacy. EFTA00556162 Centurion* Card JEFFREY E EPSTEIN Closing Date 10/10/12 p. 3/25 Account Ending 0.13001 Payments and Credits Summary Total Payments Credits -541,337.68 JEFFREY E EPSTEIN 0-13001 0.12037 Total Payments and Credits $0.00 -$26,107.13 -567,444.81 Detail Indicates posting date Payments 09/14/12' JEFFREY E EPSTEIN ONLINE PAYMENT • THANK YOU Amount 441,337.68 Credits 09/11/12* AMEX TRAVEL PURCHASE WITH MR POINTS CREDIT Foreign Spend Amount -$838.60 09/13/12 AMERICAN EXPRESS TVLPHOENIX AZ AMERICAN AIRUNES INC From: To: Carrier: Class: N/A WA YY 00 WA YY 00 WA YY 00 WA YY 00 Ticket Number 00171306468693 Passenger Name: INDYKE/DARREN Document Type: SUPPORTED REFUND -52,067.90 09/14/12 ORBITZ MANKATO MN AMERICAN AIRUNES INC From: To: Carrier: Class: NEW YORK LA GUARDI DALLAS/FORT WORTH AA ALBUQUERQUE AA WA YY 00 WA YY 00 Ticket Number: 00170952196730 Date of Departure:09/16 Passenger Naine:n Document Type: SUPPORTED REFUND -$439.60 09/20/12 AMERICAN EXPRESS TVLPHOENIX AZ -$603.61 DELTA AIR LINES INC From: To: Cartier: Class: NEW YORK LA GUARDI MANCHESTER DI. N/A VY 00 N/A VY 00 WA VY 00 Ticket Number 00671342196976 Date of Departure:09/23 Passenger Name: Document Type: SUPPORTED REFUND Continued on reverse EFTA00556163 JEFFREY E EPSTEIN Account Ending 0-13001 p. 4/25 Detail Continued indicates posting date Amount 09/20/12 AMERICAN EXPRESS TVLPHOENIX AZ DELTA AIR LINES INC From: To: Carrier: Class: NEW YORK LA GUARD! MANCHESTER DL N/A YY 00 N/A YY 00 WA YY 00 Ticket Number 00671342197142 Date of Departure:09/22 Passenger Name: Document Type: SUPPORTED REFUND 4603.61 09/22/12' Dispute • BROOKLYN NAT DELI -S29.86 09/25/12 AMERICAN EXPRESS TVLPHOENIX AZ 411,217.70 AIR FRANCE From: To: Carrier: Class: N/A N/A re 00 WA re 00 WA re 00 WA re 00 Ticket Number 05771281829824 Passenger Name: EPSTEIN/JEFFREY EDWA Document Type: SUPPORTED REFUND 09/25/12 AMERICAN EXPRESS TVLPHOENIX AZ 46,445.70 AIR FRANCE From: To: Carrier: Class: N/A N/A YY 00 N/A YY 00 WA YY 00 N/A YY 00 Ticket Number 05771281830642 Passenger Name:n Document Type: SUPPORTED REFUND 09/29/12 AMERICAN EXPRESS TVLPHOENIX AZ -5539.80 UNITED AIRLINES From: To: Carrier: Class: PALM BEACH INTERNA N.Y. NEWARK INTL A UA A N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number 01671365084631 Date of Departure:10/01 Passenger Name: SHULIAK/KARYNA Document Type: SUPPORTED REFUND 10/01/12 ORBITZ MANKATO MN -5385.70 DELTA AIR LINES INC From: To: Carrier: Class: N.Y.! F KENNEDY I SAN JUAN LUIS MU NO DL ST THOMAS CYRIL E 9K WA YY 00 WA YY 00 Ticket Number 00670965402240 Date of Departure: 10/03 Passenger Name: Document Type: SUPPORTED REFUND Continued on next page EFTA00556164 Centurion* Card JEFFREY E EPSTEIN Closing Date 10/10/12 p. 5.25 Account Ending 0-13001 Detail Continued 'indicates posting date Amount 10/02/12 ORBITZ MANKATO MN UNITED AIRLINES From: To: Carrier: Class: ST THOMAS CYRIL E N.Y. NEWARK INTL A UA WA YY 00 WA YY 00 WA YY 00 Ticket Number 01670966816691 Date of Departure:10/06 Passenger Name: Document Type: SUPPORTED REFUND -5402.20 10/08/12 OpenSkies Rungis Cedez 1 FR HTTPWWWW.FLYOPENSKIES.0 Description 2I1214 290,00 European union Euro 4379.15 10/08/12 OpenSkies Rungis Cedex 1 FR HTTPWWWW.FLYOPENSKIES.0 Description 2FT214 42,153.70 New Charges Summary Total JEFFREY E EPSTEIN 0.13001 0-12037 Total New Charges $3,628.23 $71,057.80 $74,686.03 Detail J ® JEFFREY E EPSTEIN Card Ending 0-13001 Foreign Spend Amount 09/10/12 AMAZON MKTPLACE PMTSAMZN.COWEIILL WA MERCHANDISE $163.69 09/10/12 AMAZON.COM AMZN.COM/BILL MERCHANDISE WA $167.64 09/11/12 AMAZON.COM AMZN.COM/BILL MERCHANDISE WA $77.54 09/12/12 AMAZON.COM AMZN.COM/BILL MERCHANDISE WA $73.48 09/12/12 AMAZON.COM AMZN.COM/BILL MERCHANDISE WA $8.93 09/12/12 James Perse Soho (SO I MST SST JP02 MU3311 S/S CREW BLK 3 1.0 $230.00 09/13/12 SPOTIFY USA SPOTIFY USA*SU8S SE $9.99 09/14/12 'TUNES MUSICUSA ITUNCUPERTINO !TUNES MUSIC STORE CA $5.99 Continued on reverse EFTA00556165 JEFFREY E EPSTEIN Account Ending 0-13001 p. 6/25 Detail Continued Foreign Spend Amount 09/19/12 !TUNES MUSICUSA ITUNCUPERTINO CA !TUNES MUSIC STORE $6.99 09/20/12 AT&T DATA 190 ALPHARMA GA $30.00 09/20/12 APPLE ONLINEUSA APPLCUPERTINO CA APPLE ONLINE STORES $20.69 09/20/12 Historic Mission InnRiverside CA Arrival Date Departure Date 09/18/12 09/20/12 00000000 LODGING 51,891.64 09/20/12 Historic Mission InnRiverside CA Arrival Date Departure Date 09/18/12 09/20/12 00000000 LODGING $4.00 09/20/12 Historic Mission Inniliverside CA Arrival Date Departure Date 09/18/12 09/20/12 00000000 LODGING $2230 09/24/12 AMAZON MKTPLACEPMTSAMZN.COM/BILL MERCHANDISE WA $2523 09/25/12 APPLE ONUNEUSA APPLCUPERTINO CA APPLE ONLINE STORES $706.60 09/29/12 AMAZON MKTPLACEPMTSAMZN.COWBILL MERCHANDISE WA $138.35 10/09/12 !TUNES MUSICUSA ITUNCUPERTINO CA !TUNES MUSIC STORE $44.97 El Card Ending 0-12037 Foreign Spend Amount 09/10/12 AMERICAN EXPRESS TVLPHOENIX AZ DELTA AIR IJNES INC From: To: N.Y. J F KENNEDY I SALT LAKE CITY JACKSON N/A N/A Ticket Number: 00671314531812 Passenger Name: Document Type: PASSENGER TICKET Camel: Class: DL DL YY 00 YY 00 Date of Departure: 09/15 5838.60 09/10/12 THE BATHROBE CO UMILONDON GB DIRECT MKTG MIX www.bathrobe.co.uk • Products, Bathrobe 595.00 Pounds Steeling S954.14 09/10/12 GRACIOUS HOMES 001 NEW YORK NY $50.61 09/10/12 CLYDES 6500000003306NEW YORK NY 5397.04 2127443300 Description Price DRUG STORES/PHARMAC 5397.04 Continued on next page EFTA00556166 EXPRESS RIUNJI Centurions Card p.7/25 JEFFREY E EPSTEIN Closing Date 10/10/12 Account Ending 0.13001 Detail Continued Foreign Spend Amount 09/11/12 AMERICAN EXPRESS TVLPHOENIX AZ DELTA AIR LINES INC. From: To: JACKSON SALT LAKE CITY ONTARIO INTERNATIO N/A N/A Ticket Number: 00671319396300 Passenger Name: Document Type: PASSENGER TICKET Carrier. Class: DL DL YY 00 YY 00 Date of Departure: 09/18 $561.60 09/11/12 NYC TAXI MED9E95 09LONG ISLANDC NY 57.80 09/11/12 NYC TAXI MED 4076 09BROOKLYN NY 59.00 09/11/12 SPORTS AUTHORI004895NEW YORK NY 538.10 09/11/12 EXECUTIVE OWNERS HOLLONG ISLAND CITY NY TAXICAB & LIMOUSINE Description TAXI: 7M69 1339 14:10 511.90 09/11/12 JCREW #763 763 NEW YORK NY Description Price SLIM BROKEN IN POCK 524.50 SLIM BROKEN IN POCK $24.50 549.00 09/11/12 GAPI47228/THE GAP #7NEW YORK NY MENS/WOMEWS CLOTHNG $25.00 09/12/12 ORBITZ MANKATO MN AMERICAN AIRLINES INC From: To: ALBUQUERQUE DALLAS/FORT WORTH NEW YORK LA GUARD! N/A N/A Ticket Number: 00170950443591 Passenger Name: Document Type: PASSENGER TICKET Carrier. Class: AA AA YY 00 YY 00 Date of Depa nure: 09/16 $439.60 09/12/12 NYC TAXI MED 9C29 09NEW HYDE PARK NY 59.60 09/12/12 AMAZON MKTPLACE PMTSAMZN.COWBILL WA MERCHANDISE $25.85 09/12/12 Polo Ralph Lauren 00New York NY Polo Ralph Lauren 5321.18 09/12/12 CONTAINERSTORELXNGTNNEW YORK NY MISC HOME FURNISHINGS 530.44 09/12/12 BEDBATH&BEYOND/t0651 TOTOWA NJ 5235.15 09/12/12 NYC TAXI MED6G40 09LONG ISLANDC NY 55.40 Continued on reverse EFTA00556167 JEFFREY E EPSTEIN Account Ending 0-13001 p. 8/25 Detail Continued Foreign Spend Amount 09/12/12 BLOOMINGDALES 001061N EW YORK NY BLOOMING DALES Description Price MENS SLEEPWEAR/ROBE $85.00 $85.00 09/12/12 FOOD EMPORIUM 436703NEW YORK NY 2122496778 $172.01 09/12/12 Aria 835 8000000963NEW YORK NY 3145763100 Description Price MENS/WOMEN'S CLOTH $90.00 590.00 09/14/12 ORBITZ MANKATO MN AMERICAN AIRLINES INC From: To: Carrier. Class: NEW YORK LA GUARDI DALLAS/FORT WORTH AA ALBUQUERQUE AA N/A YY 00 N/A YY 00 Ticket Number: 00170952196730 Date of Departure:09/16 Passenger Name: Document Type: PASSENGER TICKET $439.60 09/14/12 AMERICAN EXPRESS TVLPHOENIX AZ UNITED AIRLINES From: To: Carrier. Class: JACKSON DENVER INTL APT UA N.Y. NEWARK INTL A UA N/A YY 00 N/A YY 00 Ticket Number: 01671328483053 Date of Departure:09/19 PassengerName: Document Type: PASSENGER TICKET $719.60 09/14/12 MITCHEL LONDON FOODSNEW YORK NY Description GROCERIES/SUND $18.51 09/14/12 QUEENS MEDALLION LSNLONG ISLAND CITY NY Description TAXI:2644 11:43 493 ParkAve 11:4767 E 77 St N $7.70 09/14/12 NYC TAXI MED 7M54 09LONG ISLAND C NY $5.40 09/14/12 AP BANDS, INC $161.33 09/15/12 ORBITZ MANKATO MN AMERICAN AIRLINES INC From: To: Carrier. Class: NEW YORK LA GUARDI DALLAS/FORT WORTH AA ALBUQUERQUE AA N/A YY 00 N/A YY 00 Ticket Number: 00170953335884 Date of Departure: 09/17 Passengettlame Document Type: PASSENGER TICKET $439.60 Continued on next page EFTA00556168 Centurions Card JEFFREY E EPSTEIN Closing Date 10/10/12 p. 9/25 Account Ending 0.13001 Detail Continued Foreign Spend Amount 09/15/12 ORBITZ MANKATO MN JETBLUE AIRWAYS CORPORATI From: To: N.Y. J F KENNEDY I PALM BEACH INTERNA N/A N/A N/A Ticket Number: 27970953262840 Passenger Name: Document Type: PASSENGER TICKET Carrier. Class: 86 YY 00 YY 00 yY 00 Date of Departure: 09/26 S119.80 09/15/12 ORBITZ MANKATO MN JETBLUE AIRWAYS CORPORATI From: To: N.Y. J F KENNEDY I PALM BEACH INTERNA N/A N/A N/A Ticket Number: 27970953262851 Passenger Name: BANASIAK/JANUSZ Document Type: PASSENGER TICKET Carrier. Class: 86 O YY 00 YY 00 YY 00 Date of Departure: 09/26 S119.80 09/15/12 ORBITZ MANKATO MN AMERICAN AIRUNES INC From: To: ALBUQUERQUE DALLAS/FORT WORTH NEW YORK LA GUARD! N/A N/A Ticket Number: 00170953395056 Passenger Name- Document Type: PASSENGER TICKET Carrier. Class: AA AA YY 00 YY 00 Date of Departure:09/17 5150.00 09/15/12 OpenSIdes Paray-Weille-Post FR WITP://WWW.FLYOPENSKIES.0 Description 2F4WF7 57,444.70 09/15/12 OpenSides PararVieillePost FR H1TP://WWW.FLYOPENSKIES.0 Description 2FZ353 $2,153.70 09/15/12 OpenSkles Paray-Vieille.Post FR HTTPWWWW.FLYOPENSKIES.0 Description 2FT214 $2,153.70 09/15/12 ORBITZ.COM CHICAGO IL OWW•ORBITZ.COM ROC No. 1444897661 $30.00 09/16/12 DELTA ONBOARD ATLANTDELTA ONBOARD DELTA ONBOARD ORD ;FtEQ REQUESTER NAME Ti I PURCHASE ;UPI 7.5000QTY1 IT2;UPI 0.0000;QTY FAT 0.00HDL 0.00;ITM1 $7.50 Continued on reverse EFTA00556169 JEFFREY E EPSTEIN Account Ending 0-13001 p. 10/25 Detail Continued Foreign Spend Amount 09/17/12 JETBLUE AIRWAYS 9010JETBLUE NY JETBLUE AIRWAYS From: N/A To: N/A N/A N/A N/A Ticket Number: 27906116566996 Passenger Name: SHUUAK/KARYNA Document Type: ADDITIONAL COLLECTION Carrier. Class: YY 00 oo yr oo ser 00 Date of Departure:09/17 540.00 09/17/12 AMERICAN EXPRESS TVLPHOENIX AZ AMERICAN AIRLINES INC From: To: Carrier. Class: N.Y. JF KENNEDY I ST THOMAS CYRIL E AA N/A re 00 N/A yy 00 N/A yy 00 Ticket Number: 00171333969730 Date of Departure: 09/30 Passenger Name: Document Type: PASSENGER TICKET 09/17/12 AMERICAN EXPRESS TVLPHOENIX AZ JETBLUE AIRWAYS CORPORATI From: To: Carrier. Class: PALM BEACH INTERNA NEW YORK LA GUARD! B6 N/A re 00 N/A yr 00 N/A re 00 Ticket Number: 27971333969821 Date of Departure:09/30 Passenger Name: SHUUAK/KARYNA Document Type: PASSENGER TICKET $477.20 5119.80 09/17/12 AMERICAN EXPRESS TVLPHOENIX AZ $477.20 AMERICAN AIRLINES INC From: To: Carrier. Class: N.Y. J F KENNEDY I ST THOMAS CYRIL E AA N/A W 00 N/A W 00 N/A W 00 Ticket Number: 00171333969741 Date of Departure: 09/30 Passenger Name: Document Type: PASSENGER TICKET 09/17/12 AMAZON MKTPLACE PMTSAMZN.COWBILL WA 5658.55 MERCHANDISE 09/18/12 COURTYARD BY MARRIOTCAROUNA PR Arrival Date Departure Date 09/15/12 09/15/12 00000000 LODGING 09/19/12 POLO 00128 PA $163.07 $272.19 Continued on next page EFTA00556170 ASAEI66CAN EXPRESS Centurions Card p. 11/25 JEFFREY E EPSTEIN Closing Date 10/10/12 Account Ending 0.13001 Detail Continued Foreign Spend Amount 09/20/12 AMERICAN EXPRESS TVLPHOENIX AZ DELTA AIR LINES INC. From: To: PALM BEACH INTERNA NEW YORK LA GUARD! N/A N/A N/A Ticket Number: 00671344318411 Passenger Name: BANASIAK/JANUSZ Document Type: PASSENGER TICKET Carrier. Class: DL YY 00 YY 00 re 00 Date of Departure:10/01 $159.80 09/20/12 AMERICAN EXPRESS TVLPHOENIX AZ DELTA AIR LINES INC. From: To: NEW YORK LA GUARD' MANCHESTER N/A N/A N/A Ticket Number: 00671342196976 Passenger Name: Document Type: PASSENGER TICKET Carrier. Class: DL W 00 W 00 W 00 Date of Departure: 09/23 $603.61 09/20/12 AMERICAN EXPRESS TVLPHOENIX AZ DELTA AIR UNES INC. From: To: NEW YORK LA GUARDI MANCHESTER N/A N/A N/A Ticket Number: 00671342197142 Passenger Name: Document Type: PASSENGER TICKET Carrier. Class: DL YY 00 YY 00 YY 00 Date of Departure: 09/22 5603.61 09/20/12 FLAGS GEORGIA 8005524382 GA DIRECT MKTG MIX Desalption GIFT, CARD, NO $9450 09/20/12 HALE AND HEARTY SOUPNEW YORK NY FAST FOOD RESTAURANT Desalption 500790 S13.26 09/21/12 VINCE 0860 CHESTERFIELD MO Desalption SPORTS/RIDING $360.00 09/21/12 APPLE ONUNEUSA APPLCUPERTINO CA APPLE ONUNE STORES $103.43 09/21/12 NYC TAXI MED 8P57 09LONG ISLAND C NY 56.00 09/21/12 NYC TAXI MED 31(98 09NEW YORK NY $17.40 09/22/12 APPLE ONUNEUSA APPLCUPERTINO CA APPLE ONUNE STORES $706.60 09/23/12 APPLE ONUNEUSA APPLCUPERTINO CA APPLE ONUNE STORES $434.41 Continued on reverse EFTA00556171 JEFFREY E EPSTEIN Account Ending 0-13001 p. 12/25 Detail Continued Foreign Spend Amount 09/24/12 NYC TAXI MED 1F94 09QUEENS IIILLAG NY 518.60 09/24/12 FAUCET DEPOT 095 095COMMERCE CA Description FAUCET DEPOT 0 565.39 09/24/12 ALL TAXI MANAGEMENT LONG ISLAND CITY NY Description TAXI: 1K20 1238 813 Park Ave 13:0112662 AveN $6.50 09/24/12 EAT0040 NEW YORK NY RESTAURANT Description FOOD/BEVERAGE 519.00 09/25/12 BRITISH AIRWAYS PLC UNITED STATES OF A BRITISH AIRWAYS PLC From: To: Carrier. Class: N.Y. J F KENNEDY I LONDON HEATHROW AP BA BAHRAIN BA N/A re 00 N/A re 00 Ticket Number: 1257135248779 Date of Departure:09/25 Passenger Name: Document Type: AGENCY PASSENGER TICKET $5,723.70 09/25/12 HALE AND HEARTY SOUPNEW YORK NY FAST FOOD RESTAURANT Description 588620 514.45 09/26/12 ORBITZ MANKATO MN DELTA AIR LINES INC. From: To: Carrier: Class: PALM BEACH INTERNA ATLANTA HARTSFIELD DL SAN ANTONIO INTERN DL DALLAS/FORT WORTH AA PALM BEACH INTERNA AA Ticket Number: 00670962123941 Date of Departure:10/20 Passenger Name Document Type: PASSENGER TICKET $498.20 09/26/12 VINCE 0860 CHESTERFIELD MO Description SPORTS/RIDING 545.00 09/26/12 ORBITZ.COM CHICAGO IL OWWORBITZ.COM ROC No. 1474596351 $6.99 09/28/12 SAILRITE 86100000831CHURUBUSCO IN 8003482769 $225.54 Continued on next page EFTA00556172 AME/66 CAN EXPRESS Centurions Card p. 13/25 JEFFREY E EPSTEIN Closing Date 10/10/12 Account Ending 0.13001 Detail Continued Foreign Spend Amount 09/29/12 AMERICAN EXPRESS TVLPHOENIX AZ $14646.70 AIR FRANCE From: To: Carrier. Class: N.Y. J F KENNEDY I PARIS CHARLES DEG AF N.Y. J F KENNEDY I AF N/A YY 00 N/A YY 00 Ticket Number: 05771365085522 Date of Departure: 10/09 Passenger Name: EPSTEIWJEFFREY EDWA Document Type: PASSENGER TICKET 09/29/12 AMERICAN EXPRESS TVLPHOENIX AZ $14646.70 AIR FRANCE From: To: Carrier. Class: N.Y. J F KENNEDY I PARIS CHARLES DEG AF N.Y. J F KENNEDY I AF N/A YY 00 N/A YY 00 Ticket Number: 05771365085533 Date of Departure: 10/09 Passenger Name: Document Type: PASSENGER TICKET 09/29/12 AMERICAN EXPRESS TVLPHOENIX AZ 5539.80 UNITED AIRLINES From: To: Carrier. Class: PALM BEACH INTERNA N.Y. NEWARK INTL A UA A N/A YY 00 N/A W 00 N/A YY 00 Ticket Number: 01671365084631 Date of Departure: 10/01 Passenger Name: SHUUAK/XARYNA Document Type: PASSENGER TICKET 09/29/12 ORBITZ MANKATO MN JETBLUE AIRWAYS CORPORATI From: To: Cameo Class: N.Y. J F KENNEDY I PALM BEACH INTERNA 86 N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 27970964694374 Date of Departure: 09/30 Passenger Name: Document Type: PASSENGER TICKET 5309.80 09/29/12 ORBITZ MANKATO MN JETBLUE AIRWAYS CORPORATI From: To: Carder: Class: N.Y. J F KENNEDY I PALM BEACH INTERNA 86 WA re 00 N/A re 00 WA re 00 Ticket Number: 27970964694385 Date of Departure:09/30 Passenger Name Document Type: PASSENGER TICKET 5309.80 Continued on reverse EFTA00556173 JEFFREY E EPSTEIN Account Ending 0-13001 p. 14125 Detail Continued Foreign Spend Amount 09/30/12 AMERICAN EXPRESS TVLPHOENIX AZ UNITED AIRLINES From: To: Carrier. Class: PALM BEACH INTERNA N.Y. NEWARK INTL A UA A N/A re 00 N/A re 00 N/A re 00 Ticket Number: 01671366409296 Date of Departure:10/01 Passenger Name: SHUUAK/KARYNA Document Type: PASSENGER TICKET 5539.80 09/30/12 AMERICAN EXPRESS TVLPHOENIX AZ JETBLUE AIRWAYS CORPORATI From: To: Carrier. Class: N.Y. J F KENNEDY I SAN JUAN LUIS MUNO 86 ST THOMAS CYRIL E 9K N/A YY 00 N/A YY 00 Ticket Number: 27971366409125 Date of Departure:10/25 Passenger Name: SHUUAK/KARYNA Document Type: PASSENGER TICKET 09/30/12 JETBLUE AIRWAYS 9010JETBLUE NY 535.00 JETBLUE AIRWAYS From: To: Cameo Class: N/A N/A YY 00 N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 27906118415125 Date of Departure: 09/30 PassengerName: SHUUAK/KARYNA Document Type: ADDITIONAL COLLECTION 5766.70 10/01/12 ORBITZ MANKATO MN 5385.70 DELTA AIR LINES INC. From: To: Carrier. Class: N.Y. J F KENNEDY I SAN JUAN LUIS MUNO DL ST THOMAS CYRIL E 9K N/A YY 00 N/A YY 00 Ticket Number: 00670965402240 Date of Departure: 10/03 Passenger Name: Document Type: PASSENGER TICKET 10/01/12 ORBITZ MANKATO MN DELTA AIR LINES INC. From: To: Carrier. Class: ST THOMAS CYRIL E SAN JUAN LUIS MUNO 9K N.Y. J F KENNEDY I DL N/A YY 00 N/A YY 00 Ticket Number: 00670965403651 Date of Departure:10/04 Passenger Name: Document Type: PASSENGER TICKET 5390.70 Continued on next page EFTA00556174 AME/66 CAN EXPRESS Centurions Card p. 15/25 JEFFREY E EPSTEIN Closing Date 10/10/12 Account Ending 0.13001 Detail Continued Foreign Spend Amount 10/01/12 ORBITZ MANKATO MN DELTA AIR LINES INC. From: To: PALM BEACH INTERNA NEW YORK LA GUARD! N/A N/A N/A Ticket Number: 006709654180146 Passenger Name: BANASIAK/JANUSZ Document Type: PASSENGER TICKET Carrier. Class: DL YY 00 YY 00 YY 00 Date of Departure: 10/04 5159.80 10/01/12 OREM MANKATO MN DELTA AIR LINES INC. From: To: PALM BEACH INTERNA NEW YORK LA GUARD! N/A N/A N/A Ticket Number: 00670965480150 Passenger Name: Document Type: PASSENGER TICKET Carrier. Class: DL YY 00 YY 00 YY 00 Date of Departure:10/04 5159.80 10/01/12 OpenSkies Paray-VieillePost FR H1TP://WW.FLYOPENSKIES.0 Description 212353 5310.00 10/01/12 OpenSkies Paray-Vieille-Post FR H1TP://V0WW.FLYOPENSKIES.0 Description 214w17 $25.00 10/01/12 ORBITZ.COM CHICAGO IL OWVPORBITZ.COM ROC No. 1487112931 $6.99 10/01/12 ORBITZ.COM CHICAGO IL OWWORBITZ.COM ROC No. 1487132321 $6.99 10/02/12 JETBLUE AIRWAYS 9010JETBLUE NY $35.00 JETBLUE AIRWAYS From: To: Carrier. Class: N/A N/A re 00 N/A re 00 N/A YY 00 N/A YY 00 Ticket Number: 27906118829746 Date of Departure: 10/02 Passenger Name: MISS Document Type: ADDITIONAL COLLECTION Continued on reverse EFTA00556175 JEFFREY E EPSTEIN Account Ending 0-13001 p. 16125 Detail Continued Foreign Spend Amount 10/02/12 JETBLUE AIRWAYS 9010JETBLUE NY JETBLUE AIRWAYS From: To: N.Y. J F KENNEDY I SAN JUAN LUIS MUNO N/A N/A N/A Ticket Number: 27921827944095 Passenger Name: MISS Document Type: PASSENGER TICKET Carrier. Class: B6 )1, 00 re 00 re 00 Date of Departure:10/03 5206.70 10/02/12 JETBLUE AIRWAYS 9010JETBLUE NY JETBLUE AIRWAYS From: To: N.Y. J F KENNEDY I SAN JUAN LUIS MUNO N/A N/A N/A Ticket Number: 27921827939066 Passenger Name: MISS Document Type: PASSENGER TICKET Carrier: Class: 86 YY 00 YY 00 YY 00 Date of Departure:10/03 5206.70 10/02/12 JETBLUE AIRWAYS 9010JETBLUE NY JETBLUE AIRWAYS From: To: N/A N/A N/A N/A N/A Ticket Number: 27906118831323 PassengerName: MISS Document Type: ADDITIONAL COLLECTION Carrier: Class: YY 00 YY 00 YY 00 YY 00 Date of Departure:10/02 535.00 10/02/12 AMERICAN EXPRESS TVLPHOENIX AZ AMERICAN AIRLINES INC From: To: N.Y. NEWARK INTL A MIAMI INTERNATIONA ST THOMAS CYRIL E MIAMI INTERNATIONA N.Y. NEWARK INTL A Ticket Number: 00171370552813 Passenger Name: INDYKE/DARREN Document Type: PASSENGER TICKET Carrier. Class: AA AA AA AA Date of Departure:10/08 51.901.40 10/02/12 10/02/12 ORBITZ MANKATO MN UNITED AIRLINES From: To: ST THOMAS CYRIL E N.Y. NEWARK INTL A N/A N/A N/A Ticket Number: 01670966816691 Passenger Name: Document Type: PASSENGER TICKET Carrier. Class: UA YY 00 YY 00 YY 00 Date of Departure:10/06 5402.20 OpenSkies Rungis Cedex 1 FR HTTP://WWW.FLYOPENSKIES.0 Description 2ft2I4 310,00 European Union Euro 5401.17 10/02/12 SEABORNE AIRLINES VI 5176.00 3407735991 Continued on next page EFTA00556176 ANIE161CP.N EXPRESS Centurions Card p. 17/25 JEFFREY E EPSTEIN Closing Date 10/10/12 Account Ending 0.13001 Detail Continued Foreign Spend Amount 10/02/12 CENT PARK AUTODRAFTQNASHVILLE TN ALITOPRKNG LO $452.00 10/04/12 AMERICAN EXPRESS TVLPHOENIX AZ AEROSVIT AIRLINES From: To: N.Y. J F KENNEDY I KIEV BORISPOL APT N/A N/A N/A Ticket Number: 87071376943294 Passenger Name: Document Type: PASSENGER TICKET Carrier: Class: YY 00 YY 00 YY 00 Date of Departure:10/07 $1,668.70 10/04/12 SEASPECS 0739 NORTH MIAMI FL CATALOG MERCHANDISE Desalption SPECIALTY RETA $403.95 10/05/12 SANTAMBROEUS 1 SANTNEW YORK NY 1000 MADISON AVENUE NEW FOOD/BEVERAGE 5298.08 $298.08 10/06/12 SANTAMBROEUS 1 SANTNEW YORK NY 1000 MADISON AVENUE NEW FOOD/BEVERAGE $99.68 $99.68 10/08/12 WHITE AND BLUE GROUPLONG ISLAND CITY NY TAXICAB & LIMOUSINE Description TAXI:3833 1103 734 ParkAve 1108 389 ParkAve $7.70 10/08/12 FOTO CARE NEW YORK NY 2127412990 $780.25 10/08/12 MITCHEL LONDON FOODSNEW YORK NY Description GROCERIES/SUND $39.95 10/08/12 EPSON STORE CA COMPUTER ACC $245.00 10/09/12 ORBITZ MANKATO MN JETBLUE AIRWAYS CORPOFtATI From: To: N.Y. J F KENNEDY I PALM BEACH INTERNA N/A N/A N/A Ticket Number: 27970971895145 Passenger Name: Document Type: PASSENGER TICKET Camel: 86 YY YY YY Date of Departure: Class: V 00 00 00 10/09 $189.80 10/09/12 HALE AND HEARTY SOUPNEW YORK NY FAST FOOD RESTAURANT Description $7.28 540913 Continued on reverse EFTA00556177 JEFFREY E EPSTEIN Account Ending 0-13001 p. 18125 Fees Amount Total Fees for this Period $0.00 2012 Fees and Interest Totals Year-to-Date Total Fees in 2012 Total Interest in 2012 Amount 55,500.00 $0.00 Important Notice Information on Pay Over Time Features You may have access to one or mole Pay Over I une F eatures as part of your Card account. The following are the current Annual Percentage Rates (APRs) for Pay Over Time Features. (v) indicates variable rate. For Select & PayLater, the APR is 9.15% (v). For Sign & Travel, the APR is 9.15% (v). Please refer to page 2 for further important information regarding your account EFTA00556178 Centurion° Card JEFFREY E EPSTEIN Closing Date 10/10/12 Summary of Changes We're making changes to how some American Express cards work. p. 19125 Account Ending 0-13001 Important Changes to Your Account Terms The following is a summary changes to important terms to your account. The detailed changes to your Cardmember Agreement appear on the reverse side of this page. Revised Term effective January 18, 2013 Late Payment Up to $35. However, if your account does not have a Pay Over Time feature or balance and you do not pay for two billing periods in a row, your fee will be $35 or 2.99% of the past due amount, whichever is greater. Additional change to your terms effective January 1, 2013 About Pay Over Time You may have the ability to carry a balance on your Card using the Pay Over Time Limit feature. We are clarifying that we may increase or reduce the maximum Pay Over Time balance you may have on your account. This amount is called Pay Over Time limit. Your Pay Over Time limit is $35,000, unless its been previously reduced or increased. We will tell you if we change your Pay Over Time limit. You must pay in full all charges that would cause your Pay Over Time balance to exceed your Pay Over Time limit. Additional change to your terms effective immediately Statement Copy Fee We are removing the fee for copies of billing statements you request. This fee was $5.00 for each statement requested, except for the three most recent statements. See the reverse side for the detail of changes to your Cardmember Agreement. SPCO2 BP/CCPLTCN/1012 EFTA00556179 JEFFREY E EPSTEIN Account Ending 0-13001 p. 20125 Important Changes to Your Account Terms The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing the account (the "Agreement"). This notice formally amends the Agreement as described below. Any terms in the Agreement conflicting with these changes are replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with additional Cardmembers on your account, and file it for future reference. If you have any questions about these changes, please call the number on the back of your Card. Late Payment Fee We are clarifying how late payment fees work on your account: • If your account has a Pay Over Time feature or balance, your late fee will be up to 835. • If your account does not have a Pay Over Time feature or balance, your late fee will be up to $35. However, if you do not pay for two billing periods in a row, your late fee will be 835 or 2.99% of the past due amount, whichever is greater. Effective January 18, 2013, the How Rates and Fees Work section of Part 1 of the Cardmember Agreement is amended by deleting the Late Payment row and replacing it with the following: Late Payment Accounts without a Pay Over Time Feature or Balance: Up to $35. However, if you do not pay the Amount Due for two billing periods in a row, your late fee will be $35 or 2.99% of the past due amount, whichever is greater. • Your first late fee is $25. This late fee will be charged if you do not pay the Amount Due on your billing statement before the 20th day after the Closing Date shown on your next billing statement. If you do this again within the next 6 billing periods, your late fee is $35 instead. • However, if you do not pay the Amount Due for two or more billing periods in a row, your late fee will be $35 or 2.99% of the past due amount, whichever is greater. This late fee will be charged on the Closing Date of the second consecutive billing period, and, if the Amount Due remains unpaid, on each Closing Date after that. • Your late fee will never exceed the Amount Due. Accounts with a Pay Over Time Feature or Balance: Up to $35. • Your first late fee is $25. If you pay late again within the next 6 billing periods, your late fee is $35 instead. However, your late fee will never exceed the Minimum Payment Due. • The applicable late fee will be charged if you do not pay the Minimum Payment Due on your billing statement before the 20th day after the Closing Date shown on your next billing statement, and, if the Minimum Payment Due remains unpaid, on each Closing Date after that. • Paying late may also result in a Penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. In certain circumstances, because of the timing of the late fee charges described above, a billing statement may reflect two late fees, each one charged with respect to a different billing period. About Pay Over Time Features Effective January 1, 2013, the fourth paragraph of the About Pay Over Time features section is deleted and replaced with: We assign a Pay Over Time limit to your Account. We will not place any charge into a Pay Over Time balance if it causes the total of your Pay Over Time balances to go over your Pay Over Time limit. We may reduce or increase this amount. We may do so even if you pay on time and your Account is not in default. We will tell you if we change that amount You must pay in full upon receipt of your billing statement all charges that are not placed into a Pay Over Time balance. We may change which charges are eligible to be placed into a Pay Over Time balance. Statement Copy Fee In the How Rates and Fees Work table, in Part 1 of your Cardmember Agreement, the Statement Copy row is deleted. SPCO2 BP/CCPLTCN/1012 EFTA00556180 Centurion° Card JEFFREY E EPSTEIN Closing Date 10/10/12 p. 21125 Account Ending 0-13001 Changes to the Arbitration Provision We are making changes to the process for resolving legal claims to provide more options. See the summary of our new process below and the detailed language on the following pages for more on these changes. Summary of New Claims Resolution Provision (including Arbitration) Effective January 1, 2013 First, if you have an issue or dispute, please contact our Customer Service Department at the number listed on the back of your card. They are able to resolve most issues and disputes. Second, before initiating a mediation, arbitration or litigation, we ask that you send a Claim Notice to: American Express ADR c/o CT Corporation System, 111 8th Ave., New York, NY 10011. For a sample Claim Notice form, go to americanexpress.com/ciaim. Third, you may now mediate your claim prior to initiating an arbitration or litigation. In mediation, a neutral mediator helps to resolve your claim. Fourth, our Claims Resolution provision includes an arbitration provision. This means that either you or we may choose to have an arbitrator decide any claim instead of having the claim decided by a court. However, you may reject the arbitration provision if you notify us in writing prior to February 15. 2013. Rejecting arbitration: If you reject the arbitration provision, it will not apply to you, except for any claims subject to litigation or arbitrations pending at the time you send your rejection notice. Also, your rejection will apply to the arbitration provision in any other American Express Card accounts you may have, except for Corporate Card accounts. It will have no other effect on your ability to use your card or the service you have with American Express. How to reject arbitration: You must send us a rejection notice by February 15, 2013, that contains your: • name • address • account number(s) • signature Mail your rejection notice to American Express, P.O. Box 981556, El Paso, TX 79908. For a sample form, go to americanexpress.com/reject. You are not required to use the sample form. See the reverse side and subsequent pages for the detail of changes. SARO2 BP/ARBTCLM/1012 EFTA00556181 JEFFREY E EPSTEIN Account Ending 0-13001 p. 22/25 Important Changes to Your Account Terms The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing your Account (the "Agreement"). This notice formally amends the Agreement as described below. These changes apply to existing and future balances on your Account. Any terms in the Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share d with Additional Cardmembers on your Account, and file it for future reference. If you have any questions about these changes, please call the number on the back of your Card. Effective January 1. 2013. the Arbitration provision in the Cardmember Agreement is replaced with the following: CLAIMS RESOLUTION Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase, or by February 15, 2013, whichever is later. See Your Right to Reject Arbitration below. For this section. you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to: (1) initial claims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by or against any third party using or providing any product, service or benefit in connection with any account; and (4) claims that arise from or relate to (a) any account created under any of the agreements, or any balances on any such account. (b) advertisements, promotions or statements related to any accounts, goods or services financed under any accounts or terms of financing, (c) benefits and services related to card membership (including fee-based or free benefit programs, enrollment services and rewards programs) and (d) your application for any account. You may not sell, assign or transfer a claim. Sending a Claim Notice Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation. Go to americanexpress.com/claim for a sample claim notice. The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address. Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 111 8th Ave., NY, NY 10011. If the claim proceeds to arbitration, the amount of any relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules. Mediation In mediation, a neutral mediator helps parties resolve a claim. The mediator does not decide the claim but helps parties reach agreement. Before beginning mediation, you or we must first send a claim notice..es after sending or receiving a claim notice, you or we may subralsgcigglp JAMS (1 jamsadr.com) or the American Arbitration Association ("AAA") adr.org) for mediation. We will pay the fees of the mediator. All mediation-related communications are confidential, inadmissible in court and not subject to discovery. All applicable statutes of limitation will be tolled until termination of the mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration. SARO2 BP/ARBTCLM/1012 EFTA00556182 1ER EXPRESS Centurion° Card JEFFREY E EPSTEIN Closing Date 10/10/12 p. 23125 Account Ending 0-13001 Arbitration You or we may elect to resolve any claim by individual arbitration. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, neither you nor we will have the right to litigate that claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrators decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrators decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. Initiating Arbitration Before beginning arbitration, you or we must first send a claim notice. Claims will be referred to either JAMS or AAA, as selected by the party electing arbitration. Claims will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. Claims also may be referred to another arbitration organization if you and we agree in writing or to an arbitrator appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (FAA). We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered. Either you or we may delay enforcing or not exercise rights under this Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights. Limitations on Arbitration If either party elects to resolve a claim by arbitration, that claim will be arbitrated on an individual basis. There will be no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other cardmembers or other persons similarly situated. The arbitrator's authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply. Arbitration Procedures This Arbitration provision is governed by the FAA. The arbitrator will apply applicable substantive law, statutes of limitations and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. The arbitration will be confidential, but you may notify any government authority of your claim. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party's request, the arbitrator will provide a brief written explanation of the award. The arbitrator's award will be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the award by notifying the arbitration organization and all parties in writing. The organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence. SARO2 BP/ARBTCLM/1012 EFTA00556183 JEFFREY E EPSTEIN Account Ending 0-13001 p. 24/25 Arbitration Fees and Costs You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Additional Arbitration Awards If the arbitrator rules in your favor for an amount greater than any final offer we made before arbitration, the arbitrator's award will include: (1) any money to which you are entitled, but in no case less than S5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees. Your Right to Reject Arbitration You may reject this Arbitration provision by sending a written rejection notice to us at: American Express, P.O. Box 981556, El Paso, TX 79908. Go to americanexpress.com/reject for a sample rejection notice. Your rejection notice must be mailed within 45 days after your first card purchase, or by February 15, 2013, whichever is later. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open American Express accounts you have will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration at the time you send your rejection notice. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this Claims Resolution section or the Agreement. Rejecting this Arbitration provision will not affect your ability to use your card or any other benefit, product or service you may have with your Account. Continuation This section will survive termination of your Account. voluntary payment of your Account balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your Account (in the case of a sale, its terms will apply to the buyer of your Account). If any portion of this Claims Resolution section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Claims Resolution section. SARO2 BP/ARBTCLM/1012 EFTA00556184 Membership Rewards' Monthly Statement and Program News Prepared for JEFFREY E EPSTEIN Account Number Thi33334712 Total Points Balance Points Earned this Period 3,249,459 138,459 Account Summary August 1,2012 • August 31,2012) Opening Points Balance 3,364000 Points Famed this Period +138,459 Points Used this Period -255,000 Reinstated Points and Adjustments 0 Total Points Balance 3,249,459 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Transaction Detail MEMBERSHIP rewards Questions About Your Account? p. 2525 membershiprewards.com 1 International Collect: Did You Know? Use Points For Everyday Charges Use your Card for everyday purchases like groceries, gas, phone bills and more, then go online and use the points you earned to cover those charges. Learn more at membershiprewa rds.com/everydaycharges August 1, 2012 • August 31, 2012 Points Earned this Period Points Activity On Bonus Points Total Points El igible Charges Awarded Activity Per Card Centurion XXXX•XXXXX0.13001 2,924 0 2,924 TraditlonalGold 463 0 463 XXXX-X0=8-42008 AdelTraditionalGold 818 0 818 XXXX-XXXXX8-45019 AdelTraditionalGold 23,264 0 23,264 XXXX-XXXXX8-41083 TraditlonalGold 0 0 0 XXXX•XXXXX2.61005 AdelTraditionalGold 43,211 0 43,211 XXXX-XXXXX2.66012 AdelTraditionalGold 21,031 0 21,031 XXXX-XXXXX2-64025 AdelTraditionalGold 734 0 734 XXXX-XXXXX2. 62060 AddliCenturion XXXX•XXXXXO.13027 .7,553 0 •2553 AddliCenturion XXXX-UM0-12037 48,567 0 48,567 Total 138,459 0 138,459 Points Used this Period Total Points Used Request This Period Date Total 255,000 Membership Rewards 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 pointscan be reinstated for a fee by calling the number provided below or visiting membershiprewards.com. Terms and Conditions of the Membership Rewards• program apply. For more information, visit membershiprewards.corn/termsor call 1 From overseas, call collect EFTA00556185