EFTA00729714.txt

"Financial Trust Company, Inc. (the "Borrower") hereby promises to pay to the order of JPMorgan Chase Bank, N.A. (the "Bank") ... the principal amount "

"Financial Trust Company, Inc. By: Jeffrey Epstein, President"

"the Borrower shall fail to pay the principal of, or interest on, this Note"

"then the Borrower will pay to the Bank on demand an additional amount that the Bank determines will compensate it for the increased cost"

"the Borrower shall fail to pay the principal of, or interest on, this Note... the Bank may, by notice to the Borrower, declare the unpaid principal am"

"The Borrower shall give the Bank irrevocable notice of each borrowing request by 12:00 noon New York City time three (3) Banking Days prior to each re"

"The Bank may (but shall not be obligated to) debit the amount of any payment under this Note that is not made when due to any deposit account of the B"

"Address for notices to the Bank: IPMorgan Chase Bank, N.A. ... Attn: Shari James"

"Address for notices: Ann: Mr. Jeffrey Epstein 6100 Red Hook Quarter, Suite B-3"