From: Ian Osborne To: Jeffrey Epstein <jeevacation@gmail.com> Subject: Loan Materials/Terms Date: Sat, 23 Feb 2013 07:12:30 +0000 Attachments: Loan_ O&P_Income.pdfi Loann IO_Holdings.pdf Jeffrey, Please find attached, as discussed: - 2013 Forecast Income for Osborne & Partners - Overview of my complete holdings I appreciate you keeping these documents confidential. As for the loan term, I was thinking that it should be for a three-year term, and I would suggest 5% above the FED base rate or Libor. However it should allow for early repayment - which could either take the form of ordinary repayment, or a waiver of part or all of the outstanding amount as part of fees/profits derived from client referrals or client work. I have prepared a list of these individuals that we can discuss in the morning, to see which ones are of greatest interest to you? Please let me know if you need anything else, and I'll see you at breakfast. best wishes, Ian EFTA00955213