Case Document Filed Page of EX I I EX I I Case Document Filed Page of Fr om Sent To CC Subject Attachments Ryan Maryanne maryanne.x.ryan jpmchase.co AM Langford Will i am wi lliam d.langford jpmchase.com Deluca Phill i A phillip.a deluca jpmchase com FW Jeff Epstein Epstein Term Sheet I have spent the better part of these past few days digging back into various accounts concentrating on wire activity he loan referenced the ba er is actually a stand by Letter of credit is in he name of Jeffrey Eps i for 1mm 1mm to backstop a loan from Mel lon nited at i on a Miami sub of NY Me llon to C2 Mode ls Management LLC he beneficiary is Mellon united National Bank he Letter of credit is set to expire some other interesting finds but smo ing uns were He sponsor ed i the PB in Feb the opening of ODA accounts and a cc or two year olds turned days ater that appea to be art of his inner entourage one is mentioned in many of the recaps of the escapades as a willing participant and assistant when hosting isitors She has received about since opening from Epstein she also has an account in JPMS with is Bear broker The other has received substantially les Both can be put in Pa Beach during way of de bit charges which was when most allegations were from The wil ing partic ipa nt ha some love deb i char ges and spends a good deal at spa esta li hmen ts He did pay other girls many models no huge amounts Sugar Daddy Hi foundation ac co unt did pay donations to he Palm Bea Pol i ce Dep as reported just before he case arted This same foundat i on account did pay monies direct to mode and payments direct to specia lt schoo ls massage culinary and uni ersitys on ehalf of mo dels aspiring actresses othing was astronomica His business accounts Fiduc i ary we saw no client activity I know hi biggest client wexner parted ways when he was convicted i DOR say he manages a few private clients money but never says who I would ike to know if in fact he is managing anyones mo ne at this point or i it a ll his money we saw no vi dence of disbur se ments en in the rocky years when the we ll to do were running to their mattresses he did not ave any di stributions from his accounts at Bear or JP He does have money at other instituti ons so maybe it happened there I will se nd you an interesting reading that makes me wonder hose money it i He wired at lea st i to his local Palm Beach bank account since That account robably hold he key I would ike to know if Jes knows who his cl i ents are a nd what his accounts here at JP and JPMS represent see my ne xt emai Rega Mar anne Ryan Vice President AML Operations I JPMo rg an chase Bank A I Legal and compliance Department I I wood Avenue South Floor Ise in I I original Message From a less io ames en rsday January PM To Ryan aryanne Cc Mcc eerey Kevin su bj ect FW Jeff Eps ein Hi Maryanne Just recei ve om anker Regards Jim Original Message From or ris Paul Sent Th ur sday January PM Dalessio Jam es cc Casey Ma Sub ect FW ff Eps i Confident 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ۂrOL?k z??s a A LZ5??C K?Jdb V?Go4W H?F?r 3Џb t?k?Kȧ??M L??y A kM uǭ i e?1y F0 4WpM ˉ/c k??J դP Y?C 7W e_nS Case Document Filed Page of Jim FYI expires in april I believe this has been extended for a year each of the last two years Let me know if you want to discuss Thanks original Message From James Shari sent Thursday January PM To Morris Paul Cc Lay James subject RE Jeff Epstein Hi Paul The Stand by Letter of credit is in the name of Jeffrey Epstein for Slmm Slmm o/s to backstop a loan from Mellon to MC2 Models Management LLC The beneficiary is Mellon United National Bank The Letter of credit is set to expire Do you know if they would like to extend the expiry date of the LC I have attached the most recent credit Approval Memo for your reference Is there anything that you would like me to look into on my end Thanks Shari Shari James I Associate I The Private Bank at J.P Morgan I Park Avenue Floor New York NY IT I shari.r.james jpmorgan.com Confidential JPM-SDNYLIT-00152805 I Case Document Filed Page of I I Summary of Indicative Terms and Conditions For INTERNAL purposes only ACTION REQUEST Annual Review of SBLC i/n Jeffrey Epstein Update review date to be July SRGT Date Julv Banker Paul Manis Marv Casev Region Closely Held Business CLT Lender Keith Straw Capital Advisor Paul LaHiff Tam Desai i.:li i if ii i 1tt1 1t1f:ml1t l4 Pll J,:8Jb ca;:riielf:H __ 4btdlh id ti filtt i;thfTm ithktt6fdfa?llt SBLC Amount o/sl Total MEA Beneficiary Mellon United National Bank Brickell Ave 30th Fl Miami.FL L/C Fee Commission flat payable in arrears Issuance flat Amendment flat Autorenewal flat Account to Charge AUTO-DEBIT A/C Issuance Date Current Expiry Final to:vnjru Next Review Date Guarantor A Collateral Account Nrune FINANCIAL TRUST COMPANY INC Collateral Account Number Collateral Description Cash and Short-Tenn MV MLV Default Grade I Oblie:or Grade INC I INCi LGD Bucket Facilitv Grade Pu.,ose To backstoo loan from Mellon to MC2 Models Manaizement LLC PrimeYV Industty Individual Secondarv Indusn-v Individual Indus Division Private Household Repayment Timing and Source Cash flow Liquidation of collateral Documents L/C Annlication Collatera1 Agreement fdtd Lei;ral Review N/A Credit Bureau Score N/A Govemine Law State of New York Additional Background As per the DOR Comments Summary Of Jeffrey Epstein is an existing client of PB In years past:1 he Findings was an active brokerage client Formerly Jeffrey Epstein was a money manager for high net worth individuals most notably Leslie Wexner Wexner was a JPM client and then retained Epstein as his advisor in the late Mr Wexner terminated his relationship with Epstein in Mr Epstein is well known to several JPM PB employees and to Jes Staley Mr Epstein was convicted of a felony charge in and was to serve on 18-month prison sentence Jes Staley conferred with Stephen Cutler and the decision was made to keep Mr Epstein as a client Mr Epstein is currently serving out his house arrest Our view is that Mr Epstein has served his time and completing his duties to society We are assessing the situation closely and monitoring the occassional news stories regarding Mr Epstein and civil lawsuits Mr Epstein is managing his own personal wealth Confidential JPM-SDNYLIT-00152806
