APR is 9.89%, the DPR is 0.0271% Please refer to page 2 for further Important information regarding your account EFTA01726844 DUPLICATE COPY PricoredFot A:COUM Ntrftet JEFFREY E EPSTEIN )OCCOCCOCX4-31005 Page 4 of 7 EFTA01726845 For questions about your Membership Rewards account, contact 1-