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 Wall 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

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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

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The Annual Percentage Rates (APRs) for each billing period may vary based on the Prime Rate. We use the Prime Rate published in the rates section of The Wall Sneer Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will us

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