<table><tr><th>From:</th><th>Steven Sinofsky</th></tr><tr><td>Sent:</td><td>Wednesday, February 20, 2013 1:44 PM</td></tr><tr><td>To:</td><td>Jeffrey Epstein</td></tr><tr><td>Subject:</td><td>Tokenization And The Collapse Of The Credit Card Payment Model - Forbes</td></tr></table>

http://www.forbes.com/sites/bruceupbin/2013/02/15/tokenization-and-the-colla=se-of-the-credit-card-payment-model/=?
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