To: Jeffrey Epstein(jeevacation©gmail.comj From: Rich Kahn Sent Tue 12/15/2009 2:25:50 PM Subject: re: loan terms Regarding loans for jeanne and larry promissory notes will we be using typical 5 year term and afr mid term rates (current rate as of today is 2.64% ) Rich Kahn HBRK Associates Inc. PO Box 400 New York, NY 10150 EFTA_R1_01504729 EFTA02433472