lender of instate may use a (efferent FICO' Score yawn than FICCV 8, or another type of crtxM score altogether. FICO' is a registered trademark of the Fae Isaac Cot poralion n the tinned States and office countries. AMEX002270 SDNY_GM_02745569 EFTA 00232825 EFTA01674228 DUPLICATE COPY JEFFREY E EPSTEIN Account Ending 8-42008