From: Richard Kahn Sent: Monday, October 3, 2011 4:00 PM To: Jeffrey Epstein Subject: Tom Mel nick The facts have changed since we last discussed this subject. I =resented to you that Tom was going on insurance with wife for an annual =ost of $21,000 per annum. That amount would be $9,000 more than the $12,000 ($1,000 per month) per =nnum we were currently reimbursing for health insurance. I made the =ssumption the $12,000 reimbursement would disappear with health and dental coverage. Gary has explained to me that Tom never went out and obtained health =nsurance with $12,000 reimbursement as he needed additional money to =urvive. He also said that Tom is only looking for health insurance coverage for =imself and not his wife. The annual cost of single coverage would be =,879.00 per annum. Gary wants to present keeping $12,000 reimbursement and providing health =nsurance. Additional cost to you now will be 9,879 per annum vs the =riginal 9,000 i presented. Is this ok to proceed? Please advise. Richard Kahn HBRK Associates Inc. <?xml version=.0" encoding=TF-8"?> <!D0CTYPE plist PUBLIC "-//Apple//DTD PLIST 1.0//EN" "http://www.apple.com/DTDs/PropertyList-1.0.dtd"> <plist version=.0"> <dict> <key>date-last-viewed</key> <integer>0</integer> <key>date-received</key> <integer>1317657588</integer> <key>flags</key> <integer>8590195713</integer> <key>gmail-label-ids</key> <array> <integer>22</integer> <integer>2</integer> </array> <key>remote-id</key> EFTA_R1_00090738 EFTA01776222 <string>183442</string> </dict> </plist> 2 EFTA_R1_00090739 EFTA01776223