service charge fees and waived wire transfer fees. Going forward, Mr. Epstein's accounts will not receive a charge for service fees. Richard Young Platinirtin & Business Relationship Manager Market Manager € 11A-1LB Cunt K. t rC flu30.6GO St 1, ,onty, VI Y: CONFIDENTIAL CONFIDENTIAL FirstBankPR000235 SDNY_GM_000 13072 EFT