EFTA00186438

MEMORANDUM

Nancy Bruno

FROM: H. Loy Anderson, Jr.

DATE: August 7, 2001

REF: Jeffrey Epstein

Nancy,

I am waiving the requirement for financial statements on the application for three corporate credit cards totaling $25,000 for Jeffrey’s company NES, LLC issued in the names of Shannon Pascuzzi, Emmy Tayler and Jonitha Mackenzie which are being guaranteed by Mr. Epstein.