# EXHIBIT 13
From: lisa.e.waters@jpmorgan.com [lisa.e.waters@jpmorgan.com) Sent: 10/24/2008 3:38:40 PM To: Goldberg, Ira - Communication of Counsel (Exchange) (igoldberg@bear.com) Subject: RE: Jeffrey Epstein credit memo & supporting doc

cutler does the approval for jamic

Lisa E. Waters Mana in Director Securities Inc. (212) 464-2048