EFTA01701095

: JAN-24-02 16s04 FROM: 1D.212 02400 PACE 1/ • LLC alia NES NE January 24, 2002 Ann Lufft PB National Bank Re: Main account #: VIA FACSIMILE: TELEPHONEME TELEFAX Please cancel the following•card under the above main account number: • Sub-Account. Leave the $2,000 balance unallocated, I'll allocate it as needed later. If you have any questions, feel free to contact me at the above number. Eric Gany Jeffrey Epstein EFTA01701095 MAR-14-02 12107 FROM: ID:2127502400 PAGE 1/7 NES TLC 22 NE~ TELEPHONE TELEFAX March 14, 2002 Nancy Bruno/Ann Lufft PB National Bank Re: Main account R: VIA FACSIMILE: Please make the following changes to the above main account number: • Reduce the credit limit for , Sub-Account fi to $3,000. • Reduce the credit limit fora M Sub-Account lila . to $9,000. • Increase the .credit limit for-Sub -Account ili l to $10,000. This should have fully allocated the Company credit limit. If you have any questions, feel free to contact me at the above number. Thank Eric aby EFTA01701096 JAN-08-02 15:53 FROM: 10:217 02408 (Click haze and type address) PAGE 1/1 To: PB National Bank/ Nancy Bruno Fax: From: Jeffrey E. Epstein Date: 1/8/02 Re: Credit Card Pages: I CC: la Urgent El For Review Please Comment [please Reply O Meese Recycle . < . • 4....Zaji.s. 74. te >" Yi 40.9% ‘;„. .- • inhe4"4,‘,...e. .ae•Oirr'ir eras. sm;i2t-P.;+r 445 • 'e • «tga..._ e • Credit Card 4 Credit Card name: Valdson Con-in Company name: NES LLC. New Yoric. NY 10022.6843 • Please set up Mr. Valdson Cotrin have access to cash advances at 100% of his card limit k 5 s co/ (1c., EFTA01701097 2127502408 DEC-18-01 13;35 FROM. ID•21t %02409 PACE 1/5 December 17, 2001 PB National Bank Re: Main account 4: VIA FACSIMILE: a NES LLC TE N Please make the following changes to the above main account number: • Add a new card for Valdson Cotrin, French Social Security t-1 credit limit $3,000, signature attached. If you have any questions, feel free to contact me at the above number. Thank you, Authorized — Jeffrey Epstein EFTA01701098 2127502408 DEC-.18-0] 13,35 FROM. IDI21: 02408 PAGE 2/1 Valdson Cotrin EFTA01701099 NOV-16-01 11.27 FROM , IO.211 02408 PACE 1/1 November 14, 2001 Ann Lufft PB National Bank Re: Main account #: VIA FACSIMILE: a FILE TELEPHONE= TELEFAX Please make the following changes to the above main account number: • Reduce the credit limit for Sub-Account € to $2,000. • Add a new card for Social Security $5,000, signature attil Leave the $3,000 balance unallocated, I'll allocate it as needed later. If you have any questions, feel free to contact me at the above number. Thank you, FAXED redit limit 3k-ceft, FSIzi Alfr EFTA01701100 Page 1 _ From: Nancy Bruno To: Lufft, Ann Date: 10/11/01 11:42AM Subject: NES, LLC Eri Gane calle r ardin - the statement address needs to be chap ed to: do , ew York 10022. His number is Can we set up two different addresses - one for billing and a separate address for renewals, notices, etc.?? t C-c) cry -bto COL %p12 0 EFTA01701101 MMY - 1U-O2 13.22 FROM. ID.2127S0240d PAUL 2/2. ZORRO RANCH WIPP Ter Bella Ktan Fax: FM= 'Cana L.Gordon Date 05/15/03 Re: Signamres Page= 1 Page CC O Urgent 0 Fes Rotes OPleaseCortarsit CI Please Reply O Please ReeVele • • r. (( Li 1 - Dear Met h i Beloit c rifuli names and signattzes for you records somo Brice M. \ / z te/ • ti there are any problems or =cans please cal VWouetioNywds Karen EFTA01701102 U1 , 10/£000 10:04 JUO- 3e1(71 AN-I0-2005 05:21PW FMV-. allUNIAL BANK PAGE 82/82 T -351 P.002/005 F-777 REQUEST FOR CREDIT LIMIT INCREASE NAME ivq. ACCOUNT NO. PRESENT LIMIT:$ 3S D 2) 7.) REQUESTED LIMIT:$ il-C, ODD - 6 UPDATED FILFI INF01WATI0N: ( ie, address, place of employment, phone numbers, tc) 4 ...1 — 4 (3 Curre iceae .--- (I,15-6. 5 LC.0 DATE 13 35, o 1) D 5 d Me) ;n LI- nib r—Ov ‘r, 14- • e 143t 142 —6ccauAttierlek -- 4DI : COMMENTS: fib, /, i . , 13 ...hied .4r Je...cfre 1 cfs-k.,n Mr ti/Z-te. A Ilk C. Sr3t. m.'-f-ic“14- frit4-innS L'e tvAt (ol to :ti 6c,n1L., I-10-05 APPROVED B • DATE DECLINED BY DATE EFTA01701103 3p)(41.M REACH NATIONAL BANt' & TRUST COMPANY BR: PB RELATIONSHIP APPROVAL TICKET Prepared B • •1?7‘tlVtlame of Sokaowna(s) Jeffrey E. Epstein a ORIGINAL DATE First Request MAILING ADDRESS 457 Madison Ave. 4th Floor OFFICER H. Loy Anderson, Jr. New York, NY 10020 OFFICER/ 1 REFERRING OFFICER Nancy Bruno PHONE PAX ID /AS) LOAN GRADE 3 OBLIGOR NUMBER da-ATED : /.../ , , L / 3.CR.ItOWERS NAICS CODE! LAST APPROVAL OWING AS OP ( 8/1/02 ) ( 6/21/02 ) DESIRED BASIS ;jig" •,:t4i.5% Fixed $25,000 :418 Annual Fee fig"? '4.5% Fixed i:AtT8VaMtPer • /91ipfrr 5 01 [TOTALS $12,468 $35,000 $25,000 $25,000 $12,468 $60,000 Visa Business credit card (unsecured) INO NES, Personally guaranteed by Jeffrey E. Epstein Visa Business credit card (unsecured) INO Jebe, Personally guaranteed by Jeffrey E. Epstein :A:PPROVAL • 6/21/02 Date EFTA01701104 10.2127502408 . PAGE 1/1 TELEP March 31, 2005 Jeffrey Colonial Bank Re: Main account #: VIA PICSIMILE Please make the fillo g changes to the above main account number: • Add a news rd r William G. Hammond wish a credit limit of $2,500 Social Security • Reduce Lally rrison credit limit to $2,500. If you have any questio feel free to contact me at the above number. Th • you, 'c Gary Jeffrey Epstein EFTA01701105 Visa Business Card Regula ns The Undersigned Holder ab .es to the following terms and conditions: FENIIims a; PALM BEACH NATIONAL BANK & TRUST COMPANY 3931 RCA Blvd Suite 3102 Palm Beach Gardens, FL 33410 1. Agreement. These regulations govern the possession and use of VISA Business Cards ("card") issued by Palle Beach National Bank & Trust Co. ("Issuer"). Each party that applies for a VISA Business Card is referred to in these regulations as a Holder. Issuer shall establish an account for each person designated by Holder as an authorized user ("Authorized User"). Holder consents and agrees to these regulations and to the tams contained on the cards, any sales drafts, credit adjustment memos or cash advance drafts signed by or given to Holder or any Authorized User. The provisions of these regulations, as they may be amended front time to time as provided in these regulations, govern Holders obligations, notwithstanding any additional or different terms contained in the cards, sales drafts, credit adjustment memos and cash advance drafts or any other documents evidencing an account transaction. Holder authorizes an investigation of its credit standing prior to the issuance of cants and at any time thereafter, and authorizes disclosure of infonhation to third parties relating to its credit standing. If Holder or Authorized User requests any VISA Business Card services, Holder or Authorized User consents to the release of Holder's or Authorized User's personal data to VISA USA, Inc. and its member financial institutions and/or their respective contractors for the purposes of providing such services. 2. Membership. A non-refundable annual membership fee of N/A will be assessed per card. Holder represents that cards will be used exclusively for business purposes and not for personal, family, household or agricultural purposes. 3. Use of Card. Credit for purchases from a merchant or cash advances from a participating lillalleial institution may be obtained by presenting the card to the merchant or participating financial institution, and, if requested, by providing the proper identifying Information and signing the appropriate drafts. Pailure to sign a draft does not relieve the Holder of liability for purchases made or cash received. 'the cord may also be used to obtain cash advances from certain automated equipment provided it is used with the correct personal identification number ("PIN"). The amount and frequency of cash withdrawals and purchases may be limited. Except as provided below with respect to Holders liability for unauthorized use where Issuer has issued ten (10) or more cards at Holders request, Holder will be liable up to a maximum of $50.00 for the unauthorized use of a card or PIN issued al Holder's request for charges that occur before Issuer receives notification orally or in writing of loss, theft or possible unauthorized use of a card or PIN. If Issuer has issued ten (ID) or more cards at Holder's request, Holder will be liable for any and all unauthorized use or a card. Unauthorized use is any use by an individual other than an Authorized User if without the knowledge ur consent of the Holder. Any use of the card or PIN by an Authorized User, or by any other with the knowledge or consent of the Authorized User, or Holder, is authorized use. Lost or stolen cards or PINs should be reported immediately to issuer by notifying BankCard Center, Y.O. Box 1111, Madison, WI 53701.1111, Telephone (608)8294100 or 1.200.221-5920. ' Holder shall be liable for all charges, fees and other costs that accrue on each account. • 4. Credit Line. Holder will from time to time be informed of the amount of the approved credit line under each account established for Holder, and Holder covenants not to make, authorize or allow credit purchases or borrowings in excess of the amount. However, notwithstanding such credit line, Holder is liable for all purchases and borrowings made with its cards by it or by anyone authorized to use the cards. S. Payment. Holder will be furnished at the address identified by Holder, a monthly statement for each account for each billing period at the end of which there is an undisputed debit or credit balance of $1.00 or more. The full amount billed ("Nov Balance") is due on demand. If Issuer does not demand payment of the New Balance on the monthly billing statement., either (a) the New Balance or, (b) a Minimum Payment of the greater of S20 or 5 % of the New Balance, shall be paid within 25 days after the Closing Date of that billing statement. Payments must be made at ElankCard Center, Milwaukee, Wisconsin, 53288- 0200. Payments made at any other location may cause delay In crediting the account. Payments received after 2:00 P.M. on any Monday through Friday, but excluding federal legal holidays, or at any time on any non.banldng day will be considered as payments made on the following banking day. Alt payments will be applied first to interest, second to additional fees, if any, in the order of their entry to the account, third to previously billed cash advances, purchases and other similar charges in the order of their entry.to the account, and then to current cash advances, purchases and other similar charges in the order of their entry to the account. 6. Finance Charges. Interest shall accrue on each account as shown on the monthly statements, for each billing period in which there is a cash advance or the Previous Balance is not paid in full prior to the Closing Date of the billing statement. hneraat Is computed by applying the moodily periodic rate of 1.208% (ANNUAL PERCENTAGE RATE OF 14.5%) to the average daily balance of the account. To get the average daily balance, we take die beginning balance of the account each day, add any new cash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and other unpaid fees. This gives us the daily balance. Dated this 7 day of fi )f1-1 EG v-ic. mimeo( Holder (N r&rporatIon, Partnership, Proprietorship) 7 oo-L._ By: Author' ed Sig Tine Then, we add up all of the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. Interest accrues on credit purchases beginning on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of average daily balance if the Previous Balance shown on the front of the statement is paid in full prior to the Closing Dale. Interest on cash advances begins to x..-ue on the date the advance is posted to the account. Additional interest on an account may be avoided by paying in full the New Balance shown on the account's monthly statement within 25 days after the Closing Date fur that statement. 7: Additional Fees. Each account shall be subject to the following addi- tional fees: (I) 525 late charge if any minimum payment is not paid in full on or before to due date shown on the monthly statement issued immediately after the monthly stalonent on which the unpaid minimum payment first appears; (2) SI0 for each cash advance; (3) S.5 for replacement of a card; and (4) reasonable charges according to the then current fee schedule for additional copies of monthly statements, drafts and receipts requested. Res imposed will be masted to the account. 8. Foreign Transactions. If a Holder's card is used to effect a transaction in a foreign currency, the transaction amount will be converted to U.S. dollars by VISA International. VISA converts foreign currency to U.S. dollars using either the government mandated exchange rate or the wholesale exchange rate, in effect one day before the date of the conversion, as applicable. The exchange rate is increased by 1% if the conversions made in connection with a charge to an account and decreased by I% if the conversion is made in connection with a credit to an account. The date of conversion by VISA may differ from the purchase date and the posting date identified in the monthly statement for the account. Holder agrees to pay charges and accept credits for the converted transaction amounts in accordance with the terms of this paragraph. 9. Disputes. Issuer is not responsible for refusal by any merchant, finan- cial institution or automated equipment to honor or accept a card. Issuer has no responsibility for merchandise or services obtained with a card and any dispute concerning merchandise or services will be independently settled by Holder with the merchant concerned. 10. Default. Holder covenants to observe and comply with these regula- tions and not to permit an event.of default to occur. Holder further covenants not to take any action or permit any event to occur which materially impairs Holder's ability to pay when due. Upon the occurrence of any one or more of the following events of default; (a) Holder fails to pay at least the Minimum Payment when due; (b) Holder dies, ceases to exist, changes residency to another slate, becomes Insolvent or the subject of bankruptcy or insolvency proceedings; (c) Holder fails to observe any covenant or duty contained in these regulations; (d) any item in any financial statement delivered by Holder to Issuer is false in any material respect when given; or (e) the occurrence of default under any agreement securing the obligations hereunder; the full amount of Holder's account shall, at Issuer's option become immediately due and payable. Holder agrees to pay all costs of collection before and alter judgment, including reasonable attorneys' lees (including those incurred in successful defense or settlement of any counterclaim brought by Holder or incident to any action or proceeding involving Holder brought pursuant to the United States Bankruptcy Code). Right of Setoff. Issuer has the right of setoff against any deposit account Holder maintains with Issuer to satisfy any obligations of Holder to Issuer. 12. Termination. Holder's consent to these regulations may be terminated at any time by surrendering the cards Issued to Holder or at Holder's request, but such termination shall not affect Holders obligations as to any balances or charges outstanding at the time of termination. Termination by any Holder shall be binding on each Authorized User. Unless sooner terminated, the privilege to use the cards shall expire on the date shown on the cards. At any time, without liability to Holder and without affecting Holder's liability for credit previously extended, Holder's privileges to use the cards may be revoked or limited by issuer to the extent not prohibited by law. The cards are and shall remain the property of Issuer and Holder agrees to surrender them to issuer upon demand. Holder agrees to notify Issuer immediately of any cancellation of an Authorized User's charging privileges. Holder shall recant to Issuer any cards issued to Authorized Users whose privileges have been terminated. 13. Amendments. Issuer may amend these regulations and may amend the charge terms from time to time and will mail to Holder at Holder's last known address as shown on the records of Issuer written notice of any such change not less than 15 days prior to its effective date, or as otherwise required by law. Invalidity or any provision of those regulations shall not affect the validity of any other provisions. 14. Governing Law. Holder agrees to be governed by Florida law with respect to all aspects of the transactions arising under these regulations. FORMS 990004 REVISED 0099 EFTA01701106 BUS.isIESS CARD APPLICA LION PALM BEACH NATIONAL BANK & TRUST CO. BRANCH PHONE II -0MPANY NAME: E(3E, INC INDICATE TITLE DESIRED ON CARD: (LIMITED TO 24 SPACES) BILLING ADDIT, tn BILLING`, 7 ribisoF TYPE f ORGA IZATION (PLEASE CHECK): ari CORPORATION O PARTNERSHIP O PROPRIETORSHIP PROVIDE NAME O • CONTACT PERSON: ;Rat t- r a SPECIFIC NATURE OF BUSINESS: kag--il-Arr DEO DEEDED DOOMED DO 7 STATE: rte, DATE BUSINESS ESTABLISHED: II. INDIVIDUAL INFORMATION PHON a u t t ZIP CODE: Ann. e-- TAX ID NUMBER: PRINCIPALS/OWNERS WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). PLEASE SIGN BELOW AND ON REVERSE SIDE. INDIVIDUAL INFORMATION MUST BE PROVIDED ON ALL GUARANTORS. • ,UARANTOR I: FIRST NUMBER: )€-F -FzEy C Ces-re-4 MIDDLE INITIAL LAST ADDRESS: STREET: APT q. CITY: 3S-C (C Gt1,41 PREVIOUS ADDRESS: 'STREET: APT!: CITY: STATE: STATE: DATE OF DIRT!: SOCIAL SECURITY ZIP CODE: 3%0 ZIP CODE: TIME AT ADDR S: /5 (et TIME AT ADDRESS: OWN OR RENT: j et.t.O MONTHLY PAYMENTS: GROSS ANNUAL' INCOME HOME PHONE NUMBER: POSITION)ITH COUPANY: %OWNERSHIP: n --O GUARANTOR 2: FIRST MIDDLE INITIAL NUMBER: TIME IN BUSINFASL, "Net.) LAST DATE OF BIRTH: SOCIAL SECURITY HOME ADDRESS: STREET: APT g: . CITY: STATE: ZIP CODE: TIME AT ADDRESS: ../tREVIOUS ADDRESS: STREET: APT H: CITY: STATE: ZIP CODE: TIME AT ADDRESS: OWN OR RENT: MONTHLY PAYMENTS: GROSS ANNUAL INCOME: HOME PHONE NUMBER: POSITION WITH COMPANY: % OWNERSHIP: TIME IN BUSINESS: OFFICE PI IONE HANK TYPE OF ACCOUNT IF LOANSECURED OR UNSECURED ACCOUNT NUMBER AVERAGE VALANCE Palm Belt Nat'I Dank & Trust Comp. Business Checking. — 7) I S LIST THE NAMES OF ALL Aln.HorrIZED SIGNERS TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS USE. NAME (PRINT) Livi)ai (no p Neils/ KILLING OPTIONS: IF REQUESTING MORE THAN ONE ACCOUNT, PLEASE CHOOSE AN OPTION: 0 INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH NONE CONSOLIDATED MONTHLY BILLING STAT EMENT SIGNATURE TOTAL LIMIT REQUESTED V. 1111.1.1Mi ON IONS LIMIT REQUEST S (Died° $ S ) pods CASH ADVANCE ACCESS CAPABILITY: O YES WO AT QUALIFIED AUTOMATIC TELLER MACHINES: 0 YES NNO ANY BUSINESS CARD ACCOUNTS CURRENTLY HELD WITH THIS BANK?: O YES 0 NO ACCOUNT Y Applicant represents that this information is true and complete, and authorizes the creditor to verify the information and obtain additional information concerning Company's credit standing, and to furnish such credit infonintion to others. Company agrees to be bound by and obligated according to the creditor's regulations. Applicant represents and warrants that the credit will be uscd primarily (50% or more) for other than personal, family household or agricultural purposes. Applicant understands that this representation is to confirm that no disclosures are required under the FederetTruth-in-Lending law. Applicant requests establishment of an account for each authorized user designated above or on the attached list, as may be amended in writing from time to time by Applicant. Each such designated person is an authorized user and shall have the authority to use the account designated for such authorived user until the creditor is notified in the contrary in writing by the Company. ' •APPLICANT SIGNATURE: IZINT NAME: ir DATE: CORPORATE TITLE: EFTA01701107 MMEMMIIMMEMMOMMEMME I. GUARANTY AGREEMENT AMMMEMMIIMUMMOMMEMEM It the applicant far dte Account is approved, then the following Guaranty will be eliteme. If the app:lest:cm for the Account is not approved. IIICSI the following Guaranty is nail and void. CONTINUING UNLIMITED GUARANTY. For good and valuable consideration, and for the purpose(stif inducing Palm Beach National Bank & Trust Company (-astir) lo extend, make, renew, modify and or continue to extend, nuke, renew or modify the Business Credit Card Account of Wirt 1 ^3 4 (the "Borrower") the undersigned Guarantor Gobtily and severally, if more than one, "Guarantor") absolutely and unconditionally guarantees and promises to pay to Bank or its order, on demand• in lawfully obtained legal lender of the United Sates Amerita. the Account indebtedness of the Borrower to Bank on die terms and conditions set forth in Ibis Guaranty. Under this Guaranty, the liability of Guarantor is unlimited arid the obligations of Guarantor are continuing. NATURE OF GUARANTY. Guaramori liability under this Guaranty shall be open and continuous for so long as this Guaranty remains in force. Guarantor intends to guarantee at all times the Ferfoniunce and prompt payment when due, whether at nuturity or earlier by reason of acceleration or otkiwise, of all Account indebtedness. Accordingly, no payments nude upon the Account indebtedness will discharge or diminish the continuing liability of Guarantor in connection with any remaining portions of the Account indebtedness or any of the Account indebtedness which subsequently arises or is thereafter incurred or contracted. This is not a special guaranty. DURATION OF GUARANTY. This Guaranty will lake effect whenreceived by Bank without the necessity of any acceptance by Bank, or any notice to Guarantor or the Business. and will continue in full force until all Account indebtedness incurred or contracted before receipt by bank of any notice of revocation shall have been fully and finally paid and satisfied and all other obligations of Guarantor under this Guaranty shall have been perforated in full. If Guarantor elects to revoke this Guaranty, Guarantor may only do so in writiny, Written revocation of this Guaranty will apply only to advances or new Account indebtedness created after actual receipt by Bank of Guarantor's written revocation. y.,bis Guaranty and Guarantor's obligations hereunder remains fully enforceable Irrespective of any claim, defense or counterclaim which Borrower may assert on the Account ' aebtedness, Including but not limited to failure of consideration, breach of warranty, payment, statute of frauds, statute of limitations, accord and satisfaction, and usury, sante of rvIrlcb Guarantor hereby waives along with any standing by Guarantor to assert any sad claim, defense or counter claim. GUARANTOR'S AUTHORIZATION TO PALM BEACH NATIONAL BANK & TRUST COMPANY. Guarantor authorizes Bank, either before or after ally revocation hereof, without notice or demand and withoat lessening Guarantor's liability under this Guaranty, from time to time to alter, supplement, compromise, modify, renew, extend, terminate, accelerate, waive or otherwise change one or more times the due for payment or other terms, conditions, or provisions of the Account. GUARANTOR'S REPRESENTATIONS AND WARRANTIES. Guarantor represents and warrants to Bank ilia (a) no replesentalions or agreements of any kind have been nude to Guarantor which would limit or qualify in any way the terms of this Guaranty; (Ir) Guarantor has, to its own satisfaction. independently investigated (and relies exclusively tan); (I) Borrower's credit history; I Bonower's payment history with Bank, if any; and (iii) Borrower's pub current, and projected financial condition; (c) Upon Bank's request, Guarantor will provide to Bank financial and credit information in form acceptable to Bank and (d) Guarantor has established adequate means of obtaining from Borrower an a continuing basis information regarding Bonower's financial condition. Guarantor agrees to keep adequately informed front such cream of any facts, events, or circumstances which might in any way affect Guarantor's risks under this Guaranty, and Guarantor further agrees that, absent a request for intbnitatiOn. Bank shall have no obligation to disclose to Guarantor any infornution or documents acquired by Bank in the course of its relationship with Borrower. GUARANTOR'S WAIVERS. Except as mobibited by applicable law, Guarantor waives any right to require Bank (a) to nuke any presentment, protest, denund, or notice of any kind, including notice of any nonpayment of the Account indebtedness or notice of any action or nOnaCtiOn on the pail of Borrower or (b) to resort for payment or to proceed directly or at once against ally person. including Borrower or any other Guarantor. :r mow or hereafter Borrower shall be or become iltSOIVCRII. Guarantor hereby forever waives and relinquishes in favor of Dank and Borrower, and their respective successors• any claim. right or remedy to payment Guarantor nay now have or berealler have or acquire against Borrower that arises hereunder and/or perfornume by any guarantor including withOut lintitations, any claim. tensedy or right of subrogation, teimburSesirelll, eitOlitratiOn, indemnification, or participation in any claim, right or remedy of Bank against Borrower, whether or not such claim right orremedy Strus in equity, under contract. statute. COMni011 law or otherwise, by subrogation or otherwise, so that at no time shall Guarantor be or become a "creditor" of Borrower within the meaning of II U S.C. Section 547(b), or any successor provision of the Federal bankruptcy law-s. Guarantor also waives any and all rights or defenses arising by reason of any election of remedies by Bank which destroys or otherwise adversely affects Guarantor's subrogation rights or GuataiNot's tights to proceed against Borrower for reimbursement, including without limitation. any loss of rights Guarantor nay suffer by reason of any law limiting, qualifying, or discharging the Ilicotant indebtedness. If payment is nude by Borrower, whether voluntarily or otherwise, or by any third party, on the Account indebtedness and thereafter Bank is forced to remit the amount of i-Ot payment to Borrower's Mutte in bankruptcy or to any similar person under any federal or state bankruptcy law or law for the relief of debtors. the Indebtedness shall be considered unpaid for ;lie purpose of enforcement of this Gturamy. TIM provision shall survive lamination of this Guaranty. RIG ill OF SETOFF. Guarantor authorizes Bank, to the extent permitted by applicable law, to charge, withdraw or setoff all stuns owing on the Account against ally and all the accounts set forth below in the Accounts section without prior demand or notice to Guarantor. ACCOUNTS. Accounts shall include all Guarantor's deposits, accounts (whether checking savings, or some other account) or securities ROW or hereafter in the possession of or on deposit with Dank or with any Bank's affiliate or subsidiary including without limitation all accounts held jointly with someone else and all accounts Guarantor nuy open in the future, excluding. however. all IRA, Keogh and trust accounts. MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Guaranty: Amendments. This Guaranty constitutes the entire widersanding, and agreement of the partite as to rite matters. set forth in this Guaranty and supersedes all prior understanding and correspondence, oral or written, with respect to the subject matter hereof. No alteration of or amendment to this Guaranty shall be effective unless given in writing and signed by the party or panics sought to be charged or bound by the alteration or intendment. :3/41plleable Law. This Guaranty shall be governed by and construed in accordance with the laws of the stale where the Issuing flank referenced above maintains its principal office. 'Attorney's Fee; Expenses. Guarantor agrees to pay upon deriund all of Bank's costs and expenses, including reasonable attorney's fees and Bank's legal expenses. incurred in connection with the Accotuft or the enforcement of this Guaranty. Bank nay pay someone else to help enforce this Guaranty and Guarantor shall pay the costs and expenses or such enforcement. Costs and expenses include Bank's reasonable attorneys' fees and legal expenses whether or not there is a lawsuit, for bankruptcy proceedings (and including efforts to modify or vacate any automatic stay or ratuncrionl, appeals, and airy anticipated p03I-jUdgnient collection services. Guarantor also shall pay all court costs and luck additional fees as nay be directed by the court- Interpretation. In all cases where there is more than one Borrower or Guarantor• then all words used lot this Guaranty in the singular shall be deemed to have been used in the plural whete the !!..ratext and construction so require; and where there is more than one Borrower named in this Guaranty or when this Guaranty is executed by more than one Guarantor, the words Borrower and "Guarantor" respectively shall mean all and anyone Or Mble of them. The words "Guarantor," "Borrower," and "Bank," include theheirs, successors. assigns, and transferees of each of awn,. kaption headings in this Guaranty are for convenience purposes only and ate not to be used to interpret or define the provisions of this Guaranty. If a cowl of competent jurisdiction finds any ''.revision of this Guaranty to be invalid or unenforceable as to any person or circunnunce• such finding shall not render that provision invalid or unenforceable as to any other persons or Circuntsunces, and all provisions of this Guaranty in all other respects shall retrain valid and enforceable- Waiver, Bank shall not be deemed to have waived any rights under dds Guaranty unless such waiver is given in writing and signed by Bank. No delay or omission on the pan of Bank' in exercising any right shall operate as a waiver of such tight or any other right. A waiver by Bank of a provision of this Guaranty shall not prejudice or constitute a waiver of Bank's right otherwise to detrund aura compliance with that provision or any other provision of this Guaranty. No prior waiver by Bank, nor any course of dealing between Bank and Guarantor, shall constitute a waiver of any of Bank's rights or of any of Guarantor's obligations as to any future transactions. WIwnerar the consent of Bank is required under this Guaranty, the granting of such consent by Bank in ony instancy shall trat constitute Continuing consent to subsequent instances where such consent is required and in all cases such consent may be granted or withheld in the sole discretion of Dank. There ate costs associated with the we of this credit card. For specific information regarding the costs, please write us at Palm Beach National Dank & Trial Company. P.O. Box 14218, North Palm Beach. Florida 33408 or call us at 561-624.7365. The undershmed cettitics that all statement in this Application and on each doCUIIICtit requited to be submitted In connection herewith. including federal income tax returns, are true, concur and complete. The undersigned authorizes Palm Beach National Bank & Trost Company to rely upon such statements. snake such inquires, and gather such inlbrnotiOn as Palm Beach National Bank & Trust Company decors ItereSiary and reasonable to verify any inforntation provided to Palm Beach National Bank & Trust Company on this Application on any such required document, including inquires to the Internal Revenue Service, business credit reporting and credit bureau agencies end associations, and further authorizes Palm Beach National Dank & Trust Company, its holding Chinpany arid affiliates and related service corporations to exchange this application, the information comainal in or submitted with this Application and all banking relationship infomution with earls other and wid. business credit repartin; or credit bwesu agencies and associations acd creditors of the undersigned. The undersigned further agrees to notify Palm Brach National Bank & foist Company promptly of any material change in any such habituation. 'the undersigned certifies that he/the has full authority to act on behalf of Applicant In connection with ibis credit request. CACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS TERMS. :11/ARANTOR NAME PRINTED @Srci tj 27 MONA-rM DATE CO2.— VII. DOCUMENTATION Itli()UIREMEN IS Please deliver your completed application along with the required documents to your Palm Beach National Bank & Trust Company representative for processing. EFTA01701108 Key Policy Exceptions I Credit History Debt-to-Income Ratio Debt Service Ratio Financial Statement/Application/Tax Returns. Appropriate Terms/Amortization No Policy Exceptions Loan-to-Value Ratio Satisfactory Appraisal Personal Guarantees Constr. Loan Ratios Closing Requirements No Terrnite/Roof Insp. No Deposit Rel'shp Policy Exceptions must be explained in the POLICY EXCEPTIONS paragraph of the Loan Presentation Write-Up. . DEBT RANGE: (CREDIT LINES) 2000-2001 MAXIMUM 1._MINIMUM I1)4YS OUT OF DEBT: r- 1999-2W 1998-1999 ACCOUNT I"_...... TYPE DIRECT RELATED TOTAL Avg. Collec Lend. Bal. Avg. Collec Lend. Oat. Avg. Collected I DDA 0 0 0 0 0 i .--••• Money Market 0 0 0 0 0 Time 0 0 0 0 0 • Savings 0 0 0 0 0 I Total 0 0 0 0 0 Profitability Average ( Months) $ MAMMARY OP BANKING RELATIONSHIP: (date opened, account numbers, related accounts, etc.) ACCT# DATE OPENED Mar-9I Mar-91 Jan-94 Oct-97 Jan-01 Aug-99 ALB $ 5,512 $. 37,143 4m######yi I, Pitt DLO $ 4,866 $ 54,533 $ 113,800 rh. FEES PAID LOAN IN CASH FINANCE PROCEED OTHER: LOAN FEE !!:..PDC STAMPS ZINTANGIBLE TAX ilc•IEN FEES 1-!CC FILINGS ;:;CITEREST fic.,THER: SIGNERS & TITLE: • CHECK # ACCT // WIRE OTHER: .AYMENT METHOD: COUPON BILLING _X_ AUTO CHARGE ;:;)AN DATE: TED FIRST PAYMENT DATE: Standard • DATE DOCUMENTS NEEDED: TBD ACA/ EFTA01701109 . • . Report Results - This Form Produced by Equifax I User Reference: ANDEL Page 1 of 2 foguiry Information; Date of Inquiry: 06/05/2002 UserlD: ANNL Subject Information: Name: ' Epstein, Jeffrey E SSN: Current Address: 457 Madison AV New York, NY 10020 Baport Results ENH BEACON SCORE: 699 00022/00010/00008 ACCOUNT NOT PAID AS AGREED, PUBLIC RECORD OR COLLECTION AGENCY FILING PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS TOO MANY INQUIRIES LAST 12 MONTHS SSN ISSUED-67 STATE ISSUED-NY 048 EQUIFAX INFORMATION SERVICES LLC, ,ATLANTA,GA,30374-0241,800/685-1111 *EPSTEIN,JEFFERY,E SINCE 04/22/77 FAD 05/03/02 457,MADISON,AVE,NEW YORK,NY,10022,TAPE RPTD 01/99 358,EL BRILLO,WAY,PALM BEACH,FL,33480,TAPE RPTD 08/98 265, YORK,NY,10021,TAPE RPTD 04/98 BDS- SSN VER - Y 01 ES-,SELF EMPLOYED 02 EF-CONSULTING PRES,J EPSTEIN CO,NEW YORK, NY 03 E2-,BEARS STEARNS P O BOX 740241, FN-307 *SUM-02/77-05/02,PR/OI-NO,COLL-YES,FB-NO, ACCTS:11,HC$1000-205K, 10-ONES, 1-OTH ER. ****** COLLECTION ITEMS ****** LIST RPTD AMT/BAL DLA/ECOA AGENCY/CLIENT 10/98 12/98 $180 08/98* 465/C93 DRS BUSBUR $180 U IMAGING ASSOCIA STATUS/SERIAL UNPAID 2853977. FIRM / 'DENT CODE CS RPTD LIMIT HICR BAL $ DLA MR (30-60-90+)MAX/DEL ECOA/ACCOUNT NUMBER OPND P/DUE TERM 24 MONTH HISTORY BKCARD SER*668ON9235 R1 05/02 1000 0 04/02 41 I/ 11/98 CREDIT CARD CHASE NA R1 05/02 18600 O 02/02 28 I/ 03/85 CREDIT CARD CHASE NA R1 05/02 5500 16 05/02 43 31 10/98 --- 10 CREDIT CARD BLMD/FDSB RI 03/02 2001 0 30 01/79 https:/Avvirw.eport.equifax.com/edat/servlet/com.equifax.gledat.ui.ResultRouter 6/5/2002 EFTA01701110 Report Results - This Form PKA4uced by Equifax j User Reference: AVAIL Page 2 of 2 CHARGE HSBC BANK R1 04/01 --- 8300 0 04/00 53 I/ 10/96 - - - PAID ACCOUNT/ZERO BALANCE ACCOUNT CLOSED BY CREDIT GRANTOR Silk CLASS* R1 05/94 --- 2000 37 I/IIIIII 04/91 - - - REVOLVING TOTALS 27101 10300 16 10 AMEX *4028848257 01 04/02 --- 181K 32214 04/02 I/ 02/77 CREDIT CARD AMEX O1 04/02 --- 205K 94724 04/02 01 I/ 10/77 CREDIT CARD AMEX * O1 04/02 --- 23439 16386 04/02 01 I/ -I 10/00 CREDIT CARD AMEX * 01 04/02 --- 15400 0 03/02 01 I/ 06/77 CREDIT CARD OPEN TOTALS --- 424839 143324 GRAND TOTALS 27101 435139 143340 10 CHASE NA * 11/98 --- 06/97 • 03/85 LOST OR STOLEN CARD CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT *INQS-INFOLINK 6082803120 01/03/02 PBNATBK&TR 4658219416 08/21/01 PBNATBK&TR 4658819416 09/18/01 TAMINSPEC 496IZ00338 07/10/01 END OF REPORT EQUIFAX AND AFFILIATES - 06/05/02 SAFESCANNED https://www.eporlequifax.comfedaUservlet/com.equifax.gt.edat.ui.ResultRouter 6/5/2002 EFTA01701111 CUSTOMER PROFILE - BALANCE SUMMARY NEXT = PAGE 1 06/05/02 08:31:46 BANK 534 CUST It 00000002550 CUST NAME JEFFREY E EPSTEIN 457 MADISON AVE 4TH FL HISTORICAL INFO NEW YORK NY 10020 STATUS OPEN DATE OPENED 03-08-1991 DATE CLOSED BRANCH PALM BEACH OFFICE COST CENTER 0000200 BNK APPL 534 CC 534 DP 534 DP 534 DP 534 DP 534 DP 534 DP 534 RH CIC3209 - ACCOUNT NUMBER PA1 FOR PRESS S OPEN O 11-98 O 03-91 O 03-91 O 01-94 O 10-97 O 01-01 O 08-99 O 09-00 REMARKS TAX ID HOME PHONE BUS PHONE PRIM OFFICER SEC OFFICER DOROTHY WILSON H LOY ANDERSON BIRTH P RELATION CDTYP P AUTH SIGN BALANCE SRA 979 P SOLE OWNE N 015 5,933 N * P SOLE OWNE N 015 102,491 N * P SOLE OWNE M 014 1,794,477 N * P SOLE OWNS N 015 4,816 N * S AUTH SIGN D 075 12,715 N * P SOLE OWNE C 028 114,530 N * P HH RELATE NEXT PAGE OR USE OPERATOR LOGICAL PAGING COMMANDS EFTA01701112 WZrVbir. SYSTEM ACCOUNT IN ACCOUNT: NAME: EPSTEIN JE 'BRANCH: 2 'TYPE ACCT: 015 STATUS: DATE LST TRAN: 06-20-02 DATE LST STMT: 05-31-02 DATE LST DEP: 06-19-02 LAST DEP: 15,000.00 STOPS: N HOLDS: N # DEBITS: 13 ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 06-20-02 UAF EXCEP TERM: 'RELATED LEDG DAL: 0 AVAIL SCHEDULE: 001 S 090-44-3348 ECBAL: .00 PgIRY TRIAL BALANCE 202 SEARCH: NOW ACCOUNT OPEN DATE: 03-08-1991 OFFICERS: 00001 00024 SERV CHG: 809 CHG/NO CHG: 0 ANL CYC: 101 STMT CYC: 101 TIMES OD-Y: 10 RETURNS-Y: # CREDITS: 2 SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:04-10-02 0 45AF LIMIT: 99999999999 AVL EXCPN DATE: 00-00-00 POST ACH: Y 14:07:24 06/21/02 AUTHORITY: 0 LEDGER: 11,593.90 CURBAL: 11,593.90 AVAIL: 11,593.90 REL AVAIL: .00 AV LED: 5,512 OD CODE: 0 OD LIMIT: STMT ENC: 13 TIMES TRANS: PND STMT CYC: .101 DORM INT: .00 CLSE BAL:11,596.99 ACTION CODE: LAST OD/NSF: 06-10-02 AVL EXCPN PLAN: 000 MARKET: 0000 0 EFTA01701113 wpiflat.J. x '1:1:;M ACCOUNT ACCOUNT: INt NAME: EPSTEIN J HHOLD BRANCH: 2 TYPE ACCT: 015 STATUS: DATE LST TRAM: 06-20-02 DATE LST STMT: 05-31-02 DATE LST DEP: 06-19-02 LAST DEP: 200,000.00 STOPS: Y HOLDS: N #;DEBITS: 59 ATS IND: N SAVG BAL: CONS OD: 0 LAST CONTACT: 06-20-02 UAF EXCEP TERM: RELATED LEDG BAL: AVAIL SCHEDULE: 001 TIN: S 090-44-3A348 $SCBAL: .00 0 0 STOP PAY ON THIS ACCOUNT IDjQUIRY TRIAL BALANCE 14:07:42 06/21/02 AUTHORITY: 0 !RY: 202 SEARCH: NOW ACCOUNT OPEN DATE: O3-14-1991 OFFICERS: 00001 00027 SERV CHG: 004 CHG/NO CHG: 0 ANL CYC: 101 STMT CYC: 101 TIMES OD-Y: 5 RETURNS-Y: # CREDITS: 2 SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:04-10-02 UAF LIMIT: 99999999999 AVL EXCPN DATE: 00-00-00 POST ACH: Y LEDGER: 238,638.06 ' CURBAL: 238,218.06 AVAIL: 238,218.06 REL AVAIL: .00 AV LED: 87,143 OD CODE: 0 OD LIMIT: STMT ENC: 54 TIMES TRANS: PND STMT CYC: 101 DORM INT: .0G CLSE BAL:236,228.58 ACTION CODE: LAST OD/NSF: 06-12-02 AVL EXCPN PLAN: 000 MARKET: 0000 0 EFTA01701114 vflrwil bXSTEM ACCOUNT IN ACCOUNT: INQli, NAME: EPSTEIN JE BRANCH: 2 TYPE ACCT: 014 STATUS: DATE LST TRAM: 06-19-02 DATE LST STMT: 05-31-02 DATE LST DEP: 06-19-02 LAST DEP: 4,000,000.00 STOPS: N HOLDS: N # DEBITS: 21 ATS IND: N SANG SAL: CONS OD: 0 LAST CONTACT: 06-19-02 UAF EXCEP TERM: RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 S 090-44-3348 ESCBAL: .00 alAIRY TRIAL BALANCE X: 202 SEARCH: MONEY MARKET ACCOUNT OPEN DATE: 01-10-1994 OFFICERS: 00001 00027 SERV CHG: 809 CHG/NO CHG: 0 ANL CYC: 101 STMT CYC: 101 TIMES OD-Y: RETURNS-Y: # CREDITS: 5 SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:04-10-02 0 UAF LIMIT: 99999999999 AVL EXCPN DATE: 00-00-00 • POST ACH: Y 14:08:16 06/21/02 AUTHORITY: 0 LEDGER: 5,065,726.89 CURBAL: 5,065,726.89 AVAIL: 5,065,726.89 REL AVAIL: .00 AV LED: 1,184,060 OD CODE: 0 OD LIMIT: STMT ENC: 1 TIMES TRANS: PND STMT CYC: 101 DORM INT: .00 CLSE BAL:5,067,732.25 ACTION CODE: LAST OD/NSF: 00-00-00. AVL EXCPN PLAN: 000 MARKET: 0000 0 EFTA01701115 riLLuuNT ACCOUNT: IN( NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 015 STATUS: PATE LST TRAM: 02-14-02 DATE LST STMT: 06-11-02 DATE LST DEP: 04-24-01 LAST DEP: 1,225,000.00 STOPS: N HOLDS: N 1LDEBITS: ATS IND: N S'AVG SAL: CONS OD: 0 LAST CONTACT: 02-14-02 UAF EXCEP TERM: RELATED LEDG HAL: AVAIL SCHEDULE: 001 TIN: S 090-44-3348 ESCBAL: .00 ;21' dr.‘ 1A1yUIRY TRIAL BALANCE :RY: 202 SEARCH: NOW ACCOUNT OPEN DATE: 10-21-1997 OFFICERS: 00001 00024 SERV CHG: 004 CHG/NO CHG: 1 ANL CYC: 165 STMT CYC: 165 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN SAL: DORM S/C: .00 DATE LAST MAINT:04-10-02 0 UAF LIMIT: 99999999999 0 AVL EXCPN DATE: 00-00-00 POST ACH: Y 14:08:40 06/21/02 AUTHORITY: 0 LEDGER: 4,817.87 CURBAL: 4,817.87 AVAIL: 4,817.87 REL AVAIL: .00 AV LED: 4,866 OD CODE: 0 OD LIMIT: STMT ENC: TIMES TRANS: PND STMT CYC: 165 DORM INT: .00 CLSE BAL:4,818.17 ACTION CODE: LAST OD/NSF: 04-23-01 AVL EXCPN PLAN: 000 MARKET: 0000 0 EFTA01701116 L.m.r.v11 bx6TEM ACCOUNT INQUIRY TRIAL BALANCE ACCOUNT: INQI. a: 202 SEARCH: 'NAME: JEGE DEMAND DEPOSIT ACCOUNT BRANCH: 2 TYPE ACCT: 075 STATUS: DATE LST TRAN: 06-04-02 DATE LST STMT: 05-31-02 DATE LST DEP: 05-06-02 :LAST DEP: 200,000.00 STOPS: N HOLDS: N #: DEBITS: 4 .ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 06-04-02 UAF EXCEP TERM: RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 TIN: F 51-0405649 .tSCBAL: .00 INC OPEN DATE: 01-16-2001 OFFICERS: 00024 00027 SERV CHG: 805 CHG/NO CHG: 1 ANL CYC: 101 STMT CYC: 101 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:02-06-01 0 UAF LIMIT: 99999999999 14:08:54 06/21/02 AUTHORITY: 0 LEDGER: 12,715.42 CURBAL: 12,715.42 AVAIL: 12,715.42 REL AVAIL: .00 AV LED: 54,533 OD CODE: 0 OD LIMIT: STMT ENC: 4 TIMES TRANS: PND STMT CYC: 101 DORM INT: .00 CLSE HAL:12,715.42 ACTION CODE: AVL EXCPN DATE: 00-00-00 LAST OD/NSF: 00-00-00 AVL EXCPN PLAN: 000 POST ACH: Y MARKET: 0000 0 EFTA01701117 ybrusiT SYSTEM ACCOUNT I ACCOUNT: INQI NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 028 STATUS: DATE LST TRAN: 08-24-99 DATE LST STMT: 03-29-02 DATE LST DEP: 08-23-99 LAST DEP: 100,000.00 STOPS: N HOLDS: Y # DEBITS: ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 08-24-99 UAF EXCEP TERM: RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 TXN: S 090-44-3348 EPCBAL: .00 0 41.QUIRY TRIAL BALANCE 14:09:10 LY: 202 SEARCH: AUTHORITY: CERTIFICATE OF DEPOSIT ACCOUNT OPEN DATE: 08-24-1999 OFFICERS: 00024 00018 SERV CHG: 500 CHG/NO CHG: 0 ANL CYC: 100 STMT CYC: 100 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:02-14-01 UAF LIMIT: '99999999999 AVL EXCPN DATE: 00-00-00 POST ACH: N ST. "DOLLAR HOLD QN THIS ACCOUNT LEDGER: 114,530.51 CURBAL: 114,530.51 AVAIL: 14,530.51 REL AVAIL: .00 AV LED: 113,800 OD CODE: 0 OD LIMIT: STMT ENC: 06/21/02 0 TIMES TRANS: PND STMT CYC: 100 DORM INT: .00 CLSE BAL:114,826.25 ACTION CODE: LAST OD/NSF: 00-00-00 AVL EXCPN PLAN: 000• MARKET: 0000 0 EFTA01701118 Nancy Bruno - Re: Jeffrey Epstein ' _Page i3 From: Nancy Bruno To: Girten, Arlene Date: 6/10/02 4:20PM Subject: Re: Jeffrey Epstein No other loans - just deposits >>> Arlene Girten 06/10/02 04:05PM >>> Hi Nancy. Does he have any other borrowings with us other than his credit cards? EFTA01701119 ILNaiisry Bruno: Jefrathastein ' Page 1! From: Nancy Bruno To: Girten, Arlene Date: 6/5/02 10:04AM Subject: Jeffrey Epstein Mr. Epstein has a Visa Business Card for one of his companies - NES - which he personally guarantees. Mr. Anderson approved a credit limit of $35,000. NowMr. Epstein has applied for another Visa Business Card for another one of his companies - JEBE, Inc., and is requesting a credit limit of $25,000. The first card was approved without requiring financial information and this new request, if approved the same way, would need to be approved by Mr. Anderson with either Jim, Tim or Bert signing with him because of The exception. If Mr. Anderson would like to approve this request I can prepare the Writeup -just let me know. Thanks. EFTA01701120