KELLERHALS FERGUSON FLETCHER KROSLIN LIP To: Jeffrey E. Epstein From: Erika Kellerhals Re: The International Banking Center Regulatory Act Date: October 23, 2012 9100 HAVENSIGHT PORT OF SALE STE 15 -16 ST. THOMAS. VI 00802 PHONE (340) 779.2564 FAX (888) 316-9269 KFFKLAW. COM By h

ir KELLERHALS FERGUSON FLETCHER KROBLIN LLP To: Jeffrey E. Epstein From: Erika Kellerhals Re: The International Banking Center Regulatory Act Date: October 23, 2012 9100 HAVENSIGHT PORT OF SALE STE IS - 16 ST. THOMAS, VI 00802 PHONE FAX (88 KFFKLAW. COM By his signature dated Septemb

slands, or an appellate court of the United States. SUBSECTION 716-1. DEFINITIONS For purposes of this Regulation: (a) "Act" means Act No. 7390: "The International Banking Center Regulatory Act." Page 2 of 104 EFTA00601336 (b) "Applicant" means any person, partnership, corporation, or any other juridical or business entity including tru