To: jeevacationftmail.conteeyacation©gmail.com]; Jeffrey Epsteinbeeyacation©gmail corn] From: Rich Kahn Sent Wed 3/16/2011 2:37:08 PM The rate on the credit line is 3.25% which is very good. Reason is that line is secured. Jamie at United told me if rates started to rise they would keep spread between CD and Credit line at 2%. EFTA_R1_00489545 EFTA01995288