JPMorgan Private Bank JEFFREY EPSTEIN Primary Account For the Period 1/31/09 to 2/27/09 We are pleased to waive most transaction fees for this period based on your substantial balances. Certain fees may still apply regardless of balance level. Please refer to your fee schedule of transaction fees. We value your relationship with JPMorgan Private Bank and thank you for your banking business. Page 4 of 10 Confidential Treatment Requested by JPMorgan Chase CONFIDENTIAL JPM-SDNY-00008245 SDNY_GM_00277443 EFTA01486718