EFTA01121751.pdf

Centurion® Card p. 1/9 JEFFREY E EPSTEIN Closing Date 01/28/11 Membership Rewards Points New Balance $12,560.62 As of 01/28/11 1,611,956 Please Pay By 02/13/11 For details, please see your -, Membership Rewards page. Account Summary 2 See page 2 for important information about your account. Previous Balance $1,97130 Payments/Credits 41,971.30 Your payment of $12,560.62 will be debited from your account O New Charges +$12,259.17 on 02/12/11. Any Inquiry to American Express concerning this debit Fees +$301.45 should be made before 02/11/11. If your AutoPay payment is less than your New Balance, we must receive an additional payment for at least the difference by your next Closing Date. New Balance $12,560.62 See Page 9 for important Information about your account and an Daysin Billing Period: 30 updated copy of your Cardmember Agreement. Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pay byPhone 1477477-0987 1.8004724297 O See page 2 for additional information. 121Payment Coupon Do not staple or use paper clips Pay by Computer americanexpress.com/pbc Pay by Phone 1 800 472 9297 L Enter accou t nurnoer on a i aocuments. Make check payable to American Express. JEFFREY E EPSTEIN 6100 RED HOOK QTR Please Pay By STE 38 02/13/11 SAINT THOMAS VI 00802 AutoPay Amount $12,560.62 AMERICAN EXPRESS P.O. BOX 1270 n Check here if your address or phone number has changed. NEWARK NJ 07101-1270 Note changes on reverse side. IIIIIIIIIIIIIIIIII IlrrdIIILllrrrlllrrrlrrrllLrnlrrll 0000349990885308405 001256062001256062 25 rl EFTA01121751  JEFFREY E EPSTEIN p. 2f9 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. Paymentsmust 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 clearablethrough 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, unless a 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 financialinstitution 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 electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processabk electronkally or a less costly process's available. When we process your check electronically, your payment may be withdrawn from your deposit or 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 issue a 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 electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of oursreceived 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 balanceson 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 AM andinterest results in doily compoundingofinterest. PayingInterest: If you have a Pay Over Time balance, your due date is at least 25 days after the close of each billing period. We will not charge you interest on charges added automatically to a Pay Over Time balance,or to charges that were added to a Pay Over Time balance at your request in prior billing periods, if you pay the Account Total New Balance by the next Closing Date. Foreign Currency Charges: if you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents processIt We will charge a fee of 2.7% of the convened US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a 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 (such as airlines)will be billed at the rates such establishmentsuse. 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 51.00 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. IS Customer Service & Billing Inquiries InternationalCollect Large Print & Braille Statements 1.877.877-0987 1-954-503.8905 1-877-877-0987 HearingImpaired TTY:1-800-221-9950 FAX:1-800-695-9090 Website: americanexpress.com Mobile Site: amexmobile.com Express Cash 1-800 CASH-NOW In NY:1400-522-1897 Customer Service & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101.1270 Changeof Address If correct on front, do not use. Pay Your Bill with AutoPay • To change your address online, visit www.americanexpressxom/updatecontactinfo • Far Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Avoid late fees • Please print clearly In blue or black ink only In the boxes provided. • Save time Deduct your payment from your bank Street Address account automatically each month Visit americanespress.comMutopay City, State today to enroll. Zip Code Area Code and Horne Phone Area Code and For information on how we protect your 1Vork Phone privacy and to set your communication Email and privacy choices. please visit vavrw.amerIcanexpress.comtprivacy. EFTA01121752  Centurion® Card p. 3/9 JEFFREY E EPSTEIN Closing Date 01/28/11 Payments and Credits Summary Total Payments 41,971.30 Credits $0.00 Total Payments andCredits -$1,971.30 Detail Indicates posting date Payments Amount 12/30/10* ONLINE PAYMENT -THANK YOU -$1,971.30 New Charges Summary Total Total New Charges $12,259.17 Detail "Foreign currency charges subject to a conversion fee equal to 2.7% of the converted US dollar amount. See page 2 for details. s JEFFREY E EPSTEIN Foreign Spend Amount 12/29/10 AT&T DATA 190 ALPHARETTA GA $25.00 800.331.0500 Description TELECOMMUNICAT 01/01/11 SPORTS AUTHORI004895NEW YORK NY $185.53 800.5668143 01/01/11 RITE MD 10533 RITE NEW YORK NY $377.42 BE 01/04/11 !TUNES MUSIC STORE [AUSTIN 1X $4.99 Runes Musk Store 01/05/11 YAHOO SPORTS 866.562.7228 CA $44.95 SERVICE 01/09/11 !TUNES MUSIC STOREIAUSTIN TX $49.99 Runes Musk Store 01/09/11 !TUNES MUSIC STORE AUSTIN TX $99.99 !Tunes Musk Store 01/11/11 !TUNES MUSIC STORE !AUSTIN TX $49.99 !Tunes Musk Store 01/11/11 !TUNES MUSIC STORE [AUSTIN TX $99.99 Runes Musk Store 01/12/11 !TUNES MUSIC STORE [AUSTIN TX $7.98 Runes Musk Store 01/16/11 !TUNES MUSIC STORE (AUSTIN TX $14.99 Runes Musk Store Continued on reverse EFTA01121753  JEFFREY E EPSTEIN p. 4/9 ( Detail Continued " Forekgn currency charges subject to a conversion fee equal to 2.7% Foreign of the convened US dollar amount. See page 2 for details. Spend Amount 01/17/11 !TUNES MUSIC STORE IAUSTIN 1X $23.95 !Tunes Musk Store 01/21/11 !TUNES MUSIC STORE [AUSTIN TX 559.89 !Tunes Musk Store 01/22/11 !TUNES MUSIC STORE (AUSTIN TX $42.88 Runes Musk Store 01/24/11 !TUNES MUSIC STORE (AUSTIN TX $0.99 Runes Musk Store 01/25/11 !TUNES MUSIC STORE AUSTIN 1X $5.98 !Tunes Musk Store 01/26/11 RITZ HEALTH CLUB RITPARIS PA 4.000,00 $5,474.41 "European Union 0143163708 Euro 01/27/11 L'A1AON INT WISSOUS 4.146„20 $5,690.25 "European Union AIRLINE/AIR CARRIER Euro 62FMU4 Fees Amount 01/26/11 FOREIGN TRANSACTION FEE $147.81 RITZ HEALTH CLUB RITZ HEA $5474.41 01/27/11 FOREIGN TRANSACTION FEE S153.64 L'A1AON INT $569025 Total Fees for this Period 5301.45 2011 Fees and Interest Totals Year-to-Date Amount Total Fees in 2011 5301.45 Total Interest In 2011 $0.00 Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay Over Time Featuresas part of your Card account. The following are the current information regarding Annual Percentage Rates(APRs) for PayOver Time Features. (v) indicates variablerate. your account For Sign and Travel,the APR Is 9.15% (v). For Sign and Travel,the APR Is 9.15% (v). EFTA01121754  MEMBERSHIP Membership Rewards First' Monthly Statement and Program News rewards p. 5 9 Prepared for JEFFREY E EPSTEIN Questions About Your Account? Total Points Balance 1,611,956 membershiprewards.com 1-800-297-1300 Points Earned this Period 64,526 International Collect: 305-816.2799 Did You Know? Account Summary December 1, 2010 • December 31, 2010) Use Points For EverydayCharges Opening Points Balance 1,547,430 Use your Card for everyday purchases like groceries, gas, phone bills and more, then go Points Earned this Period +64,526 online and use the points you earned to cover those charges. Learn more at Points Used this Period 0 membershiprewa rd s.comreverydayc harges Reinstated Points and Adjustments 0 Eam 4X Points When You Shop Online Earn points fast by going through TotalPoints Balance 1,611,956 bonuspointsmall.comevery time you shop online at over 275 retailers. Points Earned this Period are pendinguntil charges are paid in full and all your accounts are in good standIng.Points Earned this Period may include Bonus Points. Points Transaction Detail December 1,2010 • December 31,2010 Points Earnedthis Period Points Activity On Bonus Points Total Points EligibieCharges Awarded Activity Per Card 1,970 0 1,970 713 0 713 0 O 0 0 O 0 0 O 0 58,686 O 58,686 2,758 0 2,758 399 0 399 Total 64,526 0 64,526 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 points can be reinstated fora fee by calling the number provided below or visiting membershi rewards.com. Terms and Conditionsof the Membership Rewards program apply. For more information, visit call 1.800-297.1300. From overseas, call collect 305.816.2799. Continued on reverse EFTA01121755  Prepared hi JEFFREY E EPSTEIN MEMBERSHIP 1 p. 6(9 N WOW rewards FIRST* Redeem Membership Rewards Points for Ruth's Chris Steak House Gift Cards To start redeeming RUTH'S Savor the ultimate steak experience at Ruth's Chris Steak House, Membership Rewards where we hand-select each of our steaks from the top 2% of the points today, log on to country's beef and perfectly prepare them to your liking in our membershIprewards. STEAK HOUSE corn or call special 1800-degree broiler. Serving your steak with our 1.800•AXP•EARN signature "sizzle" ensures that every last bite is as hot and (297-3270 delicious as the first. We invite you to stop by soon. Locations and reservations at wunvsuthschris.com (MR Message5661) Terms and conditions for the Membership Rewards Arse program apply. Visit mernbershiprewardsconVterms or call 1.800-297-1300 for more information. Participating partners and available rewards are subject to change without notice. Introducing the Four Seasons Hotels and Resorts in the Membership Rewards', Program For more information, Now you can use Membership Rewards° points to stay at Four visit 4 Seasons Hotels and Resorts. From New York to Paris to the membershIprewards. FOUR SEASONS Seychelles Islands, you can enjoy highly personalized service-24 comflourseasons ASA onef.98.544 hours a day--in truly exceptional surroundings. Whether you are (MR Message 5674) relaxing poolside, dining in a world-class restaurant, or stepping out onto a lovely terrace to take in a breathtaking view, a stay at a Four Seasons property always promises to create memorable moments. Terms and conditions for the Membership Rewards* program apply. Visit membershiprewards.comAenns or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. Save 10% on The North Face° Apex Bionic Jacket Visit The North Face° Apex Bionic is the most versatile shell in the membershlprewards. Apex collection. This stylish jacket is perfect for activities in cool, corn or call damp conditions. The Apex Weatherblock fabric provides 1-800-AXILEARN (297-32761and redeem SWIMS SHP IIIPUMINW four-way stretch, excellent breathability, water resistance and 13,400 points for reward good thermal capability. code PRM181. Save 10% on The North Face° Apex Bionic Jacket when you (MR Message 5653) redeem by February 28th, 2011. Terms and conditions for the Membership Rewards* program apply. Visit membershIprewards.comAenns or call 1-800-AXP-EARN (297-3276i for more information. Participating partners and available rewards are subject to change without notice. Continued on next page 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. EFTA01121756 ■ Prepared tar JEFFREY E EPSTEIN Earn Double Points for Spa Getaways at Exclusive Resorts MEMBERSHIP FIRSr rewards p. 7/9 Earn double mr Unwind and indulge with Destination Hotels & Resorts. Membership Rewards r gESTINAT ION ORTS points at premier resorts. 141e HOTELS a RES For more information, Staying at these luxury spa retreats earns you double go to Membership Rewards" points through 3/31/11. www.destInatIonhotels. com/rewards (MR Bonus ID 7711) Offer valid siiril-3,31/is al select partcrpabng holds ordy. To to elable la eam bones porno you must be aerobic' a the laemboshb ROovat0S Dr0orant al tale Ol stay S thaw your slay on an eligible. enrolttd Omer Can EttOraSSireard 20%00A:tont IS based for new reservation OW. and upgrade tc.r.c0 on andel:ayal check in. Ineligible ralce inclado by ate not limited mil-corm apcoesan rates (such as third panty Caine Wave, agenIS). tradllIOneJvindeSsIO rates. Or COrtreottadrOltalS Bonus poolstoil I:BONN:kW to your MernberStot ROdstedS account worn 6.8 tseatit alter ChargOS Ocoee, on you, ttlIng staterrent.80ftud ID 7711. Save 28% on a TaylorMade R9 SuperTri Driver Visit Loaded. Longer. Distance comes through optimization. Features membershIprewards. corn or call itiaylorMade first time combining FCT and MWT" in a 460cc head. Promotes up to 75 yards of side-to-side trajectory change for straighter, 1-800-A XP-EARN (297-3276)and redeem longer tee shots. Aerodynamic shape, deeper face and deeper 36.800 points for reward CG promote higher launch and more spin. Lighter, softer-tipped code PAM2100. Motore graphite shaft promotes more speed, higher launch for added distance. Save 28% on a TaylorMade R9 SuperTri Driver (MR Message 5652) redeemed by 2/28/11. Terms and conditions for the Membership Rewards' program apply. Visit membershIprewards.coniltenns or call 1.800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. Use Membership Rewardss Points to Plan Your Winter Escape Today! To redeem points for ASPENCj)SNOWMASS. 1REPOWER OFFOUR Boundless dining, amazing nightlife and four mountains with a Aspen/Snowmass lift variety of bumps, bowls, chutes and cruisers spread across 5,300 tickets, ski/snowboard Snowman I Aspen Mountain acres of terrain provides the perfect winter escape! There's rentals or adult group Aspen Highlands I Buttermilk lessons. visit never been a better time to visit Aspen/Snowmass--come live it! membershIprewards. Redeem Membership Rewards points for 1-or 3-day lift tickets, com/aspen or call equipment rentals and ski/snowboard school lessons. Rewards 1-800-A XP-EARN start at only 3,000 points. As always, kids ages 6 and under 1297-32761 ski/ride for FREE at all four Aspen/Snowmass mountains. (MR Message 5675) Terms and conditions for the Membership Rewards program apply. Visit membershIprewards.conitterms or call 1-800-futP-EARN (297-3276) for more Information. Participating partners and available rewards are subject to change without notice. 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. EFTA01121757 Rowed fix JEFFREY E EPSTEIN MEMBERSHIP p 89 rewards FIRST* EFTA01121758  p. 9:9 OO, 14ESS Re: Centurion® Card 01/20/2011 Dear Jeffrey E Epstein, We want to help you understand how your charge card works. This includes changes we're required to make because of new federal regulations that impact late payment fees, returned payment fees, and Penalty APRs. These changes are summarized in the table below. We're also pleased to let you know we've rewritten your Cardmember Agreement so it's simpler and easier to use and understand. We've enclosed a copy of your new Cardmember Agreement, which includes information on: • rates and fees for your account • the minimum payment due and how payments are applied • when interest charges apply, and when they don't • other account terms You can learn more about how to manage your card account and protect your credit with simple tips, advice, and explanations by visiting americanexpress.com/consumerresources. Important Changes to Your Account Terms The following is a summary of changes to your account terms, effective August 22, 2010. More detailed information about these account terms appears on page 2 of the Cardmember Agreement. Revised Terms, as of August 22, 2010 Late Payment Fee Up to $35: however, if 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. Returned Payment Fee Up to $35 Penalty APR and When 27.24% It Applies This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) make one or more late payments; or 2) make a payment that is returned. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. IMPORTANT: See the reverse side of this letter for information about the duration of the Penalty APR. Thank you for your Cardmembership. We look forward to continuing to serve you. Sincerely, American Express See reverse side for important information CMAEUALE0000104 EFTA01121759 How Long will the Penalty APR Apply? It a Penalty APR currently applies to your Account, we will review it on or before February 22. 2011. Before this review, this Penalty APR will apply unless you meet the conditions in effect prior to this change. CMAEUALE0000104 EFTA01121760  Cardmember Agreement: Part 1 of 2 As of: 01/20/2011 Centurion® Card Cardmember Name: Jeffrey E Epstein Issuer: American Express Centurion Bank Rates and Fees Table Interest Rates Annual Percentage Rate 9.150/o (APR) This APR will vary with the market based on the Prime Rate. Penalty APR and When it 27.24% Applies This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) make one or more late payments: or 2) make a payment that is returned. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on charges as of the date they are added to a Pay Over Time balance, including Select & Pay Later. We will not charge interest on charges added to a Pay Over Time balance automatically if you pay the Account Total New Balance by the due date each month. Fees Annual Membership Fee $2500 Transaction Fees • Foreign Transaction 2.7% of each transaction after conversion to US dollars. Penalty Fees • Late Payment Up to $35; however, it 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. • Returned Payment Up to $35 How we calculate interest: We use the Average Daily Balance method (including new transactions). See the How we calculate interest section in Part 2. Your Billing Rights: See Part 2 for information on how to exercise your rights to dispute transactions. CMAEUAAO0000101 Page I of 9 EFTA01121761 How Rates and Fees Work Rates for Pay Over Time balances See About Pay Over Time features In Pan 2 of this Agreement Calculating The Annual Percentage Rate (APR) for variable rates is determined by adding an amount (margin) APRs and DPRs to the Prime Rate (see Determining the Prime Rate in Pad 2). The Daily Periodic Rate (DPR) is 1/365th of the APR, rounded to one ten-thousandth of a percentage point. Rate Description Prime + Margin APR DPR Annual Percentage Rate Prime + 5.90% 9.15% 0.0251% Penalty APR Prime + 23.99% 27.24% 0.0746% Penalty APR for The penalty APR applies to new transactions if: If the Penalty APR applies to a balance. it will new transactions • you do not pay at least the Minimum apply to charges added to that balance 15 or Payment Due by the Closing Date of the more days after we send you notice. billing period in which it is due 3 times in 12 billing periods, We will review your Account every 6 months after • you do not pay at least the Minimum Payment the Penalty APR is applied. The Penalty APR will Due by the Closing Date of the billing period continue to apply until you have made timely in which it is due and you still do not pay it by payments with no returned payments during the 6 the Closing Date of the next billing period, or months being reviewed. • your payment is returned by your bank. Penalty APR for If you do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date, we existing balances can apply the penalty APR to those balances it does not already apply to. After you pay on time for 6 billing periods in a row, the penalty APR will no longer apply to those balances (but it may still apply to other balances as described above). Fees Initiation This fee is on the Rates and Fees Table on page 1 of Pad 1. This fee is a finance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Pad 1. We will charge $1,500 for each additional Centurion Card, $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, $45 for up to 5 additional Gold Cards, and $45 for each additional Gold Card thereafter. Late Payment Up to $35 or 2.99% of the amount past due. If you do not pay the Amount Due on a billing statement before the 20th day after the next Closing Date, the fee is $25. If this happens again within the next 6 billing periods, the fee is $35 instead. In both cases, if you do not pay the amount past due by the following Closing Date, we will charge, in that same billing period, the greater of $35 or 2.99% of the amount past due. For each subsequent billing period that an amount past due remains unpaid, the fee is the greater of $35 or 2.99% of any amount past due. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a Penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. Returned Payment Up to $35. If your payment is returned unpaid the first time we present it to your bank, the fee is $25. If this happens again within the next 6 billing periods, the fee is $35. However, the returned payment fee will not exceed the Minimum Payment Due on the last Payment Due Date before the payment is returned. A returned payment may also result in a Penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Statement Copy $5 for each statement you request, except for the 3 most recent billing periods. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Foreign Transaction 2.7% of the convened U.S. dollar amount. This fee is a finance charge. See Converting charges made in a foreign currency in Pad 2. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUAAO0000101 Page 2 of 9 EFTA01121762  Cardmember Agreement: Part 2 of 2 CD 27737 Introduction About your This document together with Part 1 make up the supplements or amendments are also part of the Cardmember