PRIVATE CLIENT SELECT')

PRIVATE CLIENT SELECT') a division of Risk Specialists Companies Insurance Agency, Inc. dn:da RSCIA in NH. UT & VT 300 South Riverside Plaza Chicago. Il 00606 Lexington Insurance Company Issuing Company Renewal Declarations Page THE INSURER IS NOT LICENSED IN THE STATE OF NEW YORK AND IS NOT SUBJECT TO ITS SUPERVISION. Your Declarations Page shows at a glance the coverage you have and your premium. Your Declarations Page is part of your policy. Please read your policy carefully, Including your Declarations Page and any attached Endorsements, for a description of your coverage. Policy Number 005427401 Renewal Of: 004437478 Name of Insured and Mailing Address: LS.J, LLC & Jeffrey E.:Epstein cro HBRK Associates Inc PO Box 400 New York, NY 10150 United States Of America Period: 05/16/2011 to 05f15/2012 At 12:01 A,P4 standard time at your mailing address shown below Agency Name, Address, Phone Number & Code: Marshall & Sterling Insurance 5021 Anchor Way Gallows Bay Marketplace Christian sted,VI 0 20.467I The kind of losses that are covered and any special limits or deductibl that apply, are explained in detail in your Policy. Summary of Coverage by Location: Little St. James Island No. 6B, in Hous/St. Thomas, USV oo8ca COVERAGE House Other Permanent Structures Contents Additional Living Expense Liability Medical Payments Deductible: See Schedule of Insurance PAYMENT BASIS COVFRAGE LIMIT See Schedule Of Insurance Endorsement See Schedule Of Insurance Endorsement Replacement Cost Summary of Coverage by Location: Little St. James Island No. 6 $2,815,000 37.032,000 $1,135,260 $844,500 $0 SO ()cation Premium: $182,093.00 , Mechanical Build g, St. Thomas, USV 00801 rOVERAGF House Other Permanent Structures Contents Additional Living Expense Liability Medical Payments Deductible: See Schedule of Insurance PAYMENT BASIC Replacement Cost [repeated 3 times] Summary of Coverage by Location: Little St. James Island No.6 COVFRAGELJMIT $3,234,000 50 SO $0 50 30 Location Premium: $46,893.00 , Office Pavilion, St camas, USV 00801 PCHO-DEG- A (21091 EFTA01221714 SCHEDULE OF INSURANCE With respect to coverage provided by this endorsement all provisions and conditions of the policy apply unless they are changed by this endorsement_ The Declarations Page is amended to further define location one as follows: Location: Little St. James Island, No. 68, St Thomas USVI 00801 COVERAGE PAYMENT BASIS COVERAGE LIMIT AOP DEDUCTIBLE WINDSTORM DEDUCTIBLE House — consists of the main house, kitchen, great room, theatre, office. and laundry room Replacement Cost $2,815,000 $2.500 $281.500 Contents Replacement Cost $1,135,260 $2,500 $113.526 OTHER PERMANENT STRUCTURES Master Suite Replacement Cost $1,127,000 $2,500 112 700 $ , Bedroom Cottage 01 Children's Bedroom Extended Rebuilding Cost $637,000 $2,500 $53,700 Bedroom Cottage #2 Extended Rebuilding Cost $318,000 $2,500 $31,800 Bedroom Cottage #3 Extended Rebuilding Cost $318,000 $2,500 $31,800 Caretaker's House with Office Extended Rebuilding Cost $455,000 $2,500 $45,500 Gym Extended Rebuilding Cost $677,000 $2,500 $67,700 Large Workshop Extended Rebuilding Cost $600,000 $2,500 $80,000 Cottage Pool Replacement Cost $165,000 $2,500 $16,500 Hardscape throughout Extended Rebuilding Cost $1,500,000 $2,500 $150,000 Salt Pond Cabin Extended Rebuilding Cost $24,000 $2,500 $2,400 Blue St. John's Flagpole House Extended Rebuilding Cost $80,000 $2,500 $8,000 St. John's Light Blue Large Beach Cabana Extended Rebuilding Cost $58,000 $2,500 $5,800 Small Beach Cabin Extended Rebuilding Cost $30,000 $2,500 $3,000 lid House Extended Rebuilding Cost $61,000 $2,500 $6,100 Massage Cabana near lid House Extended Rebuilding Cost $15,000 $2,500 $1,500 Helicopter Pad Shelter Extended Rebuilding Cost $48,000 $2,500 $4,800 Dock Extended Rebuilding Cost $608,000 $2,500 $60,800 Flagpole 02 with Generator House Extended Rebuilding Cost $61,000 $2,500 $6,100 Courtyard Fountain Extended Rebuilding Cost $45,000 $2,500 $4,500 Flag Pole Extended Rebuilding Cost $12,000 $2,500 $1,200 Dive Bead) Cabana Extended Rebuilding Cost $245,000 $2,500 $24,500 Si Johns Massage Cabana Extended Rebuilding Cost $15,000 $2,500 $1,500 Captain's Office Extended Rebuilding Cost _ $33000 $2,500 $3,300 g Arks PCH- MAN (04/2011) EFTA01221715 COYERAGE BAYME I House Replacement Cost 52,732,000 Other Permanent Structures Replacement Cost SO Contents Replacement Cost SO Additional Living Expense SO Liability SO Medical Payments SO Deductible: See Schedule of Insurance Location Premium: $39,614.00 Summary of Coverage by Location: Little St. James Island No. 68, Generator Building, St. Thomas, USV 00801 COVERAGE PAYMENT BASIS House Replacement Cost Other Permanent Structures Replacement Cost Contents Replacement Cost Additional Living Expense Liability Medical Payments Deductible: See Schedule of Insurance Forms and Endorsements Attached for Location: SO [repeated 4 times] Location Premium: 556.400.00 PCHO-CARIBB (02/08). PCHO - ECE (8)00). PCHO - WPD (WOO); PCHO-ADIN (6/00). PCHO-ERCC (09/06). PCHO-WINDCOV (02/08). PCHO-ESOS (8/00). PCG-S-LE (12/10) 78052 (01/11) Premium Figures E:cclude Surplus Lines Taxes and Fees. Total Premium: $325,000.00 PC91O-DEC- A (2109) EFTA01221716 For the purposes of the above location only. PART II — PROPERTY, Payment of loss, Item 3. Deductible is deleted in its entirety and replaced by the following: 3. Deductible We will pay only that part of the covered loss that exceeds the windstorm percentage deductible stated in this endorsement. This deductible applies to loss caused directly or indirectly by windstorm regardless of any other cause or event contributing concurrently or in any sequence to the loss. No other deductible provision in the policy applies to loss caused by windstorm. Your windstorm deductible applies in the following manner. If windstorm damages the House, Other Permanent Structures, and Contents the windstarn deductible for the House applies. If windstorm damages Contents anywhere on the property, the House windstorm deductible ksted in this endorsement applies. If windstorm damages Other Permanent Structures, but there is no damage to the House or the damage to the House is below the House windstorm deductible, the deductible for each affected Other Permanent Structure listed in this endorsement applies separately. PART l— DEFINITIONS, Other Permanent Structures is deleted and replaced by the following: Other Permanent Structures means outdoor structures you own that are situated on the grounds of your residence. This includes hardscape such as driveways, fountains, underground irrigation systems, decorative pools, terrace-s, patios, retaining walls, walkways, fencing, gates. and unattached decks. P01- MAN (04/2011) EFTA01221717 1••.= FN. Oda i•P••••1. pia 3•44.0 1•144.%••••• Colopli• YEN.. INS /MIN •••••=1•1 •Ii.••••• MO.% 1.01•1 MIN, ..". =tr. =I: ild••••t• 1••••• *UM IN= Yana.. •OPPI vain = Men Win 'MIN Sin NUM NM.. WIMP :V.:: .•1641. iflak• MpOn MY Ws. ry Me vow. — at OM P••• ird we. NM ::: .1I••• Mani •I••• Mei MIS MIPS WM. MI= Nina MS ON. Jai= res.m.••••••• 110•1•10 Mb. MS... MCC. WISP* .16.1.1 WM. 4.40, 10 Y.. Mat IOU O. MEI 0••• eine Ye MOO MP WM • OHMS EFTA01221718 567 567 Lower lever Main Level Total 1134 512 Main Level Total 512 605.82 1 2 200.83 Total 806.65 500.5 Basement Main Level 3277.5 Total 3778 819 Main Level Pool Equipment Room 144 Pool Including Deck 3828 Total 4791 9200 Mech & Desal Total 9200 32307 Kitchen, Laundry, Main H Total 32307 3200 3200 Slab Only 55728.65 EFTA01221719 LOT COVERAGE CALCULATION NACU A- VOGL AlltIMISCRES tkAfOrApyjr.15:SASS Al mut Als4NA 41SNIS A.I FACVLSOXVII 7.VAAL AI MOW lweitlitSs MA! 101.M.titUISASSOCIICXIIASS iflOfM tAtilINGISRUCISALS AA MOS, A.) IflUossashl la• OM BEACH SISSRLICIN Al MAHAL CadfirAnOstANAsA 101SL ISCS:LWAIMUTUISS LIFO' Mir FFM P _k AL nor COIN. PROPOSED& SWISS/ STUMM 209M•30Aan) 4.0.1m0ASSAVoSissACA OPPISPACEASSAAISAHMACli %%SAMS Moos) ell I. :MAL AliCAZUFACIS IROSOSIDSSUCIVIAS FI atI,Mninot tax r TOTAL norosansnunais RAW unno %airmails 113 SCRICINCVlait 72)V ▪ OfAO!CASANA AA MTN rAiuSsA 221I1 ▪ LOOSOUTVASSAXIS of, "%ammo sour was Tar MAL SIONSIDS MMHG SIRIX11.11.0 4.0MCCLTANCYCOVERAGE OPIOSISMI. MCA &ft XCINIMA. w+rwonausl 2:Lasso:ram% PPACILC TOM MLA CASSIUS slatilOSSIIsuCRSSA C4 AV YAWL 7011AL moron° traumas um re vasmiusnwsnnos C4 SiORKSCUC IOW it• CA UWE SHELLS !CO 1. CA WORKSROCAOSAI A MOM& SO/ AMOS 1.208 IS CA SWF HCCIA ISM Cl. Itkill MSS LSaPSLOti HAW. ISITIVO STRUCTSISS ~La ^' WS. VSVSKCONSMCIP3t4 WIN NXSTHOCZNI MONIS CI >4204ANICALSUILD244 CA HAN I.OLTSSISCLUISSIO SSAASIMADO(fCNS Ca OFTICCMCILIUX KCAL MAMMA CSUIACXANIKWIKIN IOTAAISCIKM.06 basins° A n4Usirrso AOTOISUFANCIr orl Aot. ortz4smcsAPZA L IOACOTM tuo wain. UAW Is SSW MP ASACISS1 IOSSACRESCSM) EFTA01221720 LOT COVERAGE CALCULATION PARCEL A - TOTAL AREA 34.7 ACRES PROPOSED STRLIC:LRES A- I rOGL AltatNA A-2 CNJS OVUM A-3 Mt: SIC ['At-J.110N 11O11At. PIZi,,POSO F2OSIING SIE4.UC I O&M; 6,500 te 7,600 EP 3,5001P 7.6m) IY .A4 MI ;;UT 1,400 W .A-1 WINES,. ( iYM 1,890 EP A4 DIVE BEACH PAVILLION 6501' A. NAT IJ Kt 013SE KVA I ION CARA.% A 250 93 TOW. STRUCTLRIS 4,1908' TOTAL PROPOSED & INISITNCi STRUCWIDIS 21790 fr (0.50 ACRES) LIYI'OtX:U1'ANCS•t:UVE.RAGI ()PIN SPACE AREA & PERCENTAGE 36.2 ACRES 108.6%) PARCII - AREA 21.0 ACRES PROPOSED STRIXTURES IL I GI f Br CI ITTACI: TOT PRO pri5ppi si-pucy-0.75 E7CISTNG STRUCTURES 5,000 ft' 5.000 (V E3-2 SCREEN C ADANA 226 0' B-3 BEACH CABANA 2250 9-4 (WPM CA IONA 225W 0-5 LOOKOUT PAV:LLION 920 1O 1A EXISTINCt SIM: I —1 I: RES 1,595 IP IOTA:. PROPOSED 4ec EXISTING STRUCTURES -LOT OCCUPANCY COVERAGE 6,35 IP (0.15 ACRES) OPEN SPACI- \REA& PERCITNTAGE 12.ES ACRES (99%) PARCEL C TOTAL AREA I .14 ACRES Plt()IN NED S URI IC CURLS C-I AIV GARAGE 'TOTAL PROPOSED STRUCTLRES EXISTING SCRUCtURES 1.320 fP 1,370 W C-7 WORKSHOP C-3 STONE SHEL.r.t.R C4 WORKSHOP, LOCKER ROOM & RO metal* 0-5 STAFF HOUSE C4 MAIN HOUSE TOTAL EXISTING STRUCTURES 11.300 300 IP 3,308 ft' 1,300 IP (SEE BELOW) 13,2013 NEW & UNDER CONSTRUCTION WWI EXISTING CZM PERMITS C-i MECHANICAL BUILDINGS t CR MAIN HOUSE INCLUDING PERMITTEDADDITIONS C-9 OFFICE Mr ILION TOTAL PERMITTED& LIhU6RCONSTRIV 9,200 IV 32,307 fp 1,100 I? 4607 IP TOEAI pROpOshu, EXISTING & PhitiVI:11.11D -LOT OCCUPANCY COVERAGE 63,135 its (LA5 ACRES) WA OPEC SPACE AREA & 1)35 ACRES (87.7%) EFTA01221721