# EXHIBIT 98

### Rapid Response Team
July 15, 2008

Existing Client —Jeffrey Epstein (Follow-up Rapid Response Mtg.)

Private Banker — Mary — 212 464-0374 Senior Manager — Marc Sheridan — 212 464-1321

### Nature of Existing Relationship
The Epstein relationship, which includes accounts for his personal investment company — Financial Trust Company, mainly consists of banking and asset accounts with balances totaling approximately 5121.5 million. He has one open credit account with a -0- balance.

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## Source of Wealth

Jeffrey Epstein is a money manager for wealthy individuals. Press articles indicate that he owns what is said to be the Manhattan's largest private house and runs his business from a 100 acre private island in St.

### Derogatory Information originally reported by Security Services (September, 2006)

The following derogatory information was identified by Security Services within related entity DDRs for Jeffrey Epstein:

- Several newspaper articles were found that detail the indictment of Jeffrey Epstein in Florida on felony charges of soliciting underage prostitutes.

### Derogatory Information Update — July 2008
On July 3, 2008, Jeffrey Epstein was sentenced to 12 months in jail for solicitation of a prostitute and six months for procuring a person under age 18 for prostitution. His jail sentence will be followed by 12 months of house arrest.

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## Conclusion from 1" Rapid Response Meeting of 10/17/06

After internal discussions with Jes Staley, Mary Erdoes, Catherine Keating, John Duffy and Mary , it was decided that we will keep Mr. Epstein solely as a banking client and on a 'reactive', client service basis. We will not proactively solicit new investment business from him.

## Conclusion from follow-up Rapid Response of 7/15/08:

No change to relationship approach.