ffective February 1, 2015, the returned payment fee is increasing to $38 (previously, this was $37). See reverse side for detailed changes. S28N4 BP/POPNPLM/1114 AMEX005282 SDNY_GM_02748581 EFTA_00235837 EFTA01677240 DUPLICATE COPY JEFFREY E EPSTEIN Account Ending 0.31003 p. 12/22 Detail of Changes t