Epstein Secrets

is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wail Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we

n@, and W Hotels@ brands. Without meeting frequent stay requirements, Platinum Card@ members are entitled to complimentary Gold Preferred status in Starwood Preferred Guest. Enrollment in the Starwood Preferred Guest program is required. Benefits are subject to change. Gold Preferred level amenhies may not be combined

Extended Certain of the ;3040de rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in theWall Street Journal, as described in your CarOmomber Agreement as currently in effect. R14• 10.01 RECEIVED -- THANK YOU 06/27/06 • 0VIEWPAVMENT RECEIVED - THANK YOU

en Ithernatices visa wan/smiles 'wisp las stamtewa rds. Enjoy the Benefits of the Starwood Preferred Guest@ Program When You Stay at Westin! As a Starwood Preferred Guest member enjoy free night awards at over 135 Westin Hotels and Resorts Worldwide when you redeem Starpoints@. You can also redeem your Starpoints at

90% 5.90% 30.98 32.88 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wail Street Journal, as described in your Cardmember Agreement as currently in effect EFTA01726721 Pr ed Fa Scan DUPLICATE COPY Vocis:wit>otooME Page 4 of 12 EF

s"! Starwriod's award-winning Starwood Preferred Guests program has been voted best hotel program three years in a row by frequent travelers. As a Starwood Preferred Guest, you'll earn valuable Starpoints redeemable for free nights, free flights, and more. Starwood has more than 750 hotels, including Westin@ Hotels &