EFTA Document EFTA01269598

C I First Bank Together we are one Document Checklist for Business Accounts File Important note: Please refer to the Account Opening Procedures for pecific information on the various types of documents required at account opening. Signature Cards Customer Due Diligence for Business — Entities (eff. 611112010) v f Customer Due Diligence for Additional sigers or Authorized Signatures on Business Entities Accounts (eff. 611112010) ..../ Observations at Place of Business OFACIPLC (print evidence of verification) (6/1112010 for new account clients without an active deposit WM int al the time of account opening) 4. \elf Document Checklist for Business Accounts File -NNNS-2464-0711R n; ECR Chmkist Individual Account for Personal Purposes NNNS-2544 (Eft. 6/11/2010) c\t cc\A ECR Individual Account for Commercial Purposes NNNS-2540 (eff. 06/11/2010) C\ ECR Checklist for Unincorporated Association or Organizations Account (league, Club, Class. Fund raising, religious. civic. etc) NNNS-2538 (elf. 6/11/2010) (lki:\ ECR Checkist for Corporate Accounts (For-profit or not-for-profit) NNS•1281 (eft 611112010) l'\\O1 ECR Checklist for Special Partnership Account (for profit and not-for-profit) NNNS. 2539 (eft 6/1112010) N./ Covered Person Certificatim NNNS-1303 (eft 611112010) Cl\C; Appropriate W-8 Form or W-9 Form (if non-U.S. entity) (eff. 6111(2010) Disclosures that must be given to client Rates and Fees Schedule Account Agreement FDIC Insuring Your Deposit Brochure rUSVI only) Notice at Negative Information Disclosure Other Documents Certificate of Incaperalion or Certificate of DualicaLign (Ka U.S. based oorporalkn) Check 0 if is completed or WA It not a ..4. ;cable Remarks Business/Trade License (arren0 Certificate of Good stabling Articles of Incorporation (stamped by the Office of tbe Lieutenant Governor if USVI and trio Registrar of Companies in ire 8VI) Certificate c: Trade Name Corporate Ftesolutior (with Corporate Seal) Corporate Resolution and Corporate Authorization and Indemnity Agreement for Telephone/Telex/Facsimile/Written Instructions. (This documents only required if client requests fund transfers by phone. fax or messenger) .ft X.T..:::::::;:i Se. ._. kr li ft ---- .— — Pannersrsp Letter and Security Agreement • l'allaniVifi.-". ,i L " _;.ldititlis;;?..}:fi);:iI.C.a; — Businessrf rade License (current) Partnership Agreement (r f it exists) Certificate of Trade Name fir apple-able) Coruscate or Limited Partnership (it applicable) Resokreon where Paroorshp contains Cscooraton as a Partner (it applicable) Partnership Contains Lnniteri Liability Company as a Partner (if applcabe) Pamersnip Contacts Trust as a Partner (l am/table) Pamersnip ConrshsJont venture as a Partner (it semi:shim Security Procedure Agreement kr TelecticaeiFax Issuanos of Payment Orson or Request for Interne:Iona' Draf's fit requested) SONY GM 00013788 .._._ _. ._. .. CONFID I • L _ _ ifs an EFTA_DO I 24431 EFTA01269598 C Certificate of Trade Name (4 applicable) Corporate Resolution or Uninwporated Association Resolution Certificate of IncapotaBon or Certificate of Authority for Foreign aid Foreign Nan-Profit Corporation (it ncoroorated) Articles of incorporation (4 inc.:Mcrae:0 Certificate of Good Standing (48A corporation kr nue than Neve months) (i incorporated) Corporate Resolution and Corporate Authorization and Indemnity Agreement for Telephone/TeleyJFacsimilePAhitten Instructions. (This document is only required 4 ciient requests fund transfers by phone. fax or messenger) - if incorporated Searity Procedure Agreement to Tetephoneifax issuance of Payment Orders or Request for Irdernational Des a led -if • r• t• t. t • ., ..,.i. ± ,,Lajnzyff,..?,....t, c ill' - ...:-1/2,:s.s.-6'at.zto2:N:-. Limited Laity Company Letter and Security Agreement ....__Ie..2:c. -.7 a .., _ ...., no . Business/Trade License foment) Operating Agreement Articles or Organization or Cogitate of Formation (non-bank form-if No PLC is a 'noel PLC Certificate of Existence Secures Procedure Agreement fix TelaPhaegFez Issuance of Payment Orders or Request ter International Crafts@ requested) - if unincorporated Lirneed Lability Company Contains Corporate Mamba/Manager (If applicateet Limited !Silty Compeny Contains Limited Liability Company as a Memberftrianager (A applicable) Limited Liabity Company Contains United Liability Pannell* as a Membegmaraler (4 appicabk) Stiffly Company Contains Partnership as a Member/Manager (4 appicable) - Limited bonded Liability Company Contains Trust as a Membentrianager (4 applicable) Urnted Liability Company Unincornorated Association as a Memberitrianager (if applicable) Untied Liability Company Contains Joel Venture as a Wernberglareger (4 applicable) 'lllg .A. 'iJ:i;:"..riii-f ill 'ail.9",4itL_'T`:i?J T il, iallii..4.?2,- -.1fUi lij: --IiZaite -Wj.;:kiift;15-S. :-el' — Corporate Resolution Certificate of Inarporabon cc Corti:Med Qualification Of a U.S. beam corporation) Articles of Inwporation (stamped by the Office of We Lieutenant Governor) BusnessrTrade License (cumin!) Corporate Resolution and Corporate Authorization and Indemnity Agreement for TelephonelletedFacsimile/Wertten Instructions. (This document is only required it client requests fund transfers by phone, fax or messenger) Limited Getty Company Letter a Secunty Agreement Business/Trade License (current) Th\iPt 1\A of Trade Name (it apaioabb) Operating Agreement Miles of Organization or Certificate of Formation (non-tank forninaquIred if the LLC is a -nevi LLCI V Certificate of Existence V Security Procedure Agreement br Telephone/Fax Issuance of Payment Orden or Request la International Drat Of requested) i Limited Natty Company °miens Corporate 1A3mberNenager (4 appicabb) Ignited LIMAN Company Contains Limited Liability Company as a Iriembereranager (i applicable) limited liability Company Contains Limited Liability Periwig* as a thembenlitanager (if applicable) Unuted Liabiity Company Contains Partnership as a Membedmarteger Of applicable) Limited Lea* Company Contains TWA as a iriemberrilrianager al apple-able) United led* Company Cedars Urincorocrated Associate) as (I1 applicable) United Liability Company Contains Joint Venture as a MerntienManager (4 applicable) c —2: ''. , .4 i c..., -..- tr- .. ":::?&4(c:ti, • ''_;<1. /,. ...;;' ji r.iej Lilted Liability Partnership Letter and Security Agreement Certificate of Lirrited Partnership (Limited Partnership) — Not required when opening accounts for law firms or security brokerage houses Certificate a Existence 8usinesslTrade License (current) Operating AgreemeN Statement of Quartet° or Statement of Foreign Qualification Certificate of Trade Name (if amicable) SONV.Stieftal rano Secunti Procedure Agreement kr TelepbonelFax ts ce curincArm Al I. NTIAL rst ankPRO00952 EFTA_00 24439 EFTA01269599 tvs:nass entibos. c•ilt :: . % --'cy'lriterest erailivinilS Trust Accounts IOLTA - USLI only ar IOLTA A xount Notice of Frencel u :n PILAF Account Notice of Fenorciai !nstluticti Business License (current) Cent/tale of Trade Rare PI applicable) Refer to the Account gamic Procodues ler additional documents requ rod tr Cetera* types cr business entities. A bgal document(s) El *filch It Mates the none of the peace acting asadathisayilor. NW executor of and estabishes *Aar althorns If the PAC is an Unincorporated Association, then a letter signed by the posiient of be associatbn stating the &sex:lobe purpose and an Unincorporated Association Resolution is mired. II the PAC Isabel for Profit Corporation, a Certificate of Ireociperation for a Nceithodc Corporation s required. A certification from the Virgin bards Board of Becton, Additional Documents (supporting documents) Check 0 it le obtained or WAR not applicable Remarks Income Verification Prolamine'sl association d" y Marketing brochures, business Web site and ober market media She Photo, Utes invokes (Mater, electritity, telephone) Sample of entity stationery (presentation card. letter head paper, envelopes...) Other: Other: Other: Other: Other: Othe omr CONFIDENTIAL SO NY_GM_000 13790 CONFIDENTIAL FirstBankPR000953 EFTA_00 1 24433 EFTA01269600 First Bank Together we are one Branch Number • Checklist for Special Partnership Account (For profit and not-for-profit) Account Num Document Action Comments ,,, --:Datc: Initials and Review Date I" Reviewer 1/4 .V:_2. ri Rexityfc Daica..nk Basic documents for ALL types of accounts Customer Due Diligence Commercial/Entities NNNS-I307 I Account file Complete for business entity. Customer Due Diligence Authorized Signatures I Account file One per each signer 4 C NNNS-I 306 Account Referral Sheet NNNS. 1272 I Account file Only when the client is not present ,fa.-, Observation at Place of Business (OP13) NNNS-246q I Account file Partnership Bylaws or Articles of Incorporation E Account file C4 Partnership, LLC, LLP Security Agreement NNNS-2 198-04 IOR or NT:NS-2'99-0802 I Account file -r e NNNS•22004802 or NTNNS-2.201-0604R ID Verification Results Summary BD CHECK .@ OFAC) or evidence of the verification used in contingency. I Account file 11 One per entity and one per each signer. if applicable .4.„ /q. c\ \E CIIEXSYSTEM Report Result I Account file One per entity and one per each signer. if applicable Al ie ()4W\ Business License E Account file Photocopy of original document ,„74,4. ti lts i\\Ci n P, Territorial Election Commission Certification E Account file Applies to candidates for government elective positions. Photocopy of original document. Signature cards hi Cardholder one alphabetical and one numerical Digitalize for checking accounts ?If,' ( ii ---' Deposit Account Agreement NNNS-2092-0508R USVI NNNS-2377- I 104 BVI I' Provide to client X (3- --- Additional documents forCHECKING ACCOUNTS Rates and Fees Schedule Disclosure NNNS-2091-1006R USVI NNNS-2132.1206 MI I Provide to client _, ..4 ilk , ..Additional - documents for CERTIFICATES OF DEPOSIT , .,:: :•i ,e., -,. '44;i4Hc . w , %, Certificate of Deposit Agreement NNNS-0958 M Onc for file and one for client A/774 '11a Evidence of Negotiated Interest Rate, if applicable I Account file Only if there was a special quote. legend. P - Purchasing M - Mosaic I - Intranet E External Is) Spanish e) English NNNS-2539-061lFt CONFIDENTIAL SDNY_GM_0001379t CONFIDENTIAL FirstBankPR000954 EFIA_00124434 EFTA01269601 CONFIDENTIAL Account Type: Account Number: Commercial Checking Sign. Req. I Date: 1/456 3 / 25' Address: 6100 Red Hook, QTR St. Thomas, VI. 00802 Tel: 340.775.2 Name: LSJE, LLC EIN: Name:1 nne Brennan 7 A--a-,AAti.. tant-A-a- 4--- L /7 SSN: ID Type: UsrPote.Wolist No: Name: SSN: ID Type: No: Name: SSN: ID Type: No: Me hereby acknowledge having restved the Depodt Account Agreement, the First Flancccp Information Sharing and Privacy Policy. and the product rates and roes. prepared by: Authorized b jr\ NA 101E 7/2002 NNS-000I Insmuctions for comoktion Please print this form 3 times and complete in triplicate in blue or black ink. Please insert the name of the company or the account title under account name. Superseding-current-Reason Date.a. Jodie Please print the name of each authorized signatory to the account together with a sample of their signature in each field under name. If there are more than four signatories please use additional signature cards as necessary. The Bank will complete the remaining fields. 'Important* Please provide each signature card in triplicate with the original signatures (no photocopies). FirnBcmk is a subsidiary of Fint &mow (NYSE: PBP CONFIDENTIAL SDNY_GM_000 13792 FirstBankPR000955 EFTA 00124435 EFTA01269602 CONFIDENTIAL Account Type: Commercial Checking Account Number: Sign. Req. 1 Date: 5/N i3 Address: 6100 Red Hook, QTR B3 Tel: 340-775-2525 St. Thomas, VI. 00802 Name: LSJE, LLC EIN: Name: H?ry Beller eiA-- SSN: ID T No: , Name: SSN: ID Type: No: Name: SSN: ID Type: No: VWe hereby achnowledir having received the Deposit Account Agreement, the First prepared by: Bancorp Information Sharing and privacy Policy, and the product rates and fees. Authorized by -...1: NA 101E 7/2002 NNS-0001 Superseding-Current-Reason Date. G instructions for completion Please print this form 3 times and complete in triplicate in blue or black ink. Please insert the name of the company or the account title under account name. Please print the name of each authorized signatory to the account together with a sample of their signature in each field under name. If there are more than four signatories please use additional signature cards as necessary. The Bank will complete the remaining fields. °Important* Please provide each signature card in triplicate with the original signatures (no photocopies). Piratical& is a subsidiary of Fira Bancorp (1s1M: FBP CONFIDENTIAL SDNY_GM_00013793 FirstBankPR000956 EFTA_00124436 EFTA01269603 Account Type: Account Number: Sign. Req. Date: Commercial Checking I q 31 13 Address: 6100 Red Hook, QTR B3 Tel: 340-775-252 St. Thomas, VI. 00802 Name: LSJE, LLC Name: J ern __ Name: \--__--------2 ID Type: No: Name: SSN: ID Type: No: we hereby seknewisd8e having ^leaved the Deposit Account Agreement, the Fun Bancorp Information Sharing and Privacy Policy, and the product rates and fees. Prepared by: Authorized b ,--• -4 NA 101E7/2002 NNS-0001 Superseding-Current-Reason Date: Initial: Illgrlictions for completion Please print this form 3 times and complete in triplicate in blue or black ink. Please insert the name of the company or the account title under account name. Please print the name of each authorized signatory to the account together with a sample of their signature in each field under name. If there are mom than four signatories please use additional signature cards as neeessady. The Rank will complete the remaining fields. important* Please provide each signature card in triplicate with the original signatures (no photocopies). First:lank is a subsidiary ofArst Bartcotp (NYSE: FBP CONFIDENTIAL SDNY_GM_000 13794 CONFIDENTIAL FirstBankPR000957 EFTA_00124437 EFTA01269604 CONFIDENTIAL Account Type: Commercial Checking Account Number: Sign. Req. Date: .5 13 0 1 Address: 6100 Red Hook, QTR B3 Tel: 340-775-2525 St. Thomas, VI. 00802 Name: LSJE, LLC me: Darren Indyke Name: SSN: ID Type: No: Name: SSN: ID Type: No: I/We hereby acknowkdge having received the Deposit Account Agroanent, the Fins Bana'ap Information Sharing and Privacy Policy. and the product rates and fees. Prepared b e a* Authorized ijgr NA 101E7."2002 NNS-0001 Superseding-Current-Reason Date Initial Instructions for completion Please print this form 3 times and complete in triplicate in blue or black ink. Please insert the name of the company or the account title under account name. Please print the name of each authorized signatory to the account together with a sample of their signature in each field under name. If there arc more than four signatories please use additional signature cards as necessary. The Bank will complete the remaining fields. •Important• Please provide each signature card in triplicate with the original signatures (no photocopies). Fir:Rank u a subsidiarycfFmt &tramp (NYSE: FBP CONFIDENTIAL SDNY_GM_000 13795 FirstBankPR000958 EFTA 0(1124438 EFTA01269605 1 First Bank Customer Due DtivJence for Business - Entities CONFIDENTIAL Type of Entity Existing Account Number 7322001709 1. Client Information Business or Entity name: LSJ Employees LLC Operating_Account DdA Name (If applicable): EmployerIdentification or Social Security Number Social Security Number (It applicable): ..) Physical Address: Little Saint James Island St. Thomas. USVI 00802 Business Phone: (340)775-2525 Mailing Address: 6100 Red Hook Quarters B3 St. Thomas, USVI 00802 Fax: Emelt Type of Business: Household NAICS: Annual Sales: N/A 1 ,O ‘ Date Established: --7 9 4)2 t 4 -- c .:\ 1 Number of Employees: 10 Number of Offices: 0 O O Corporation O Nonprofit Corporation O Partnership O Government Agency O Unincorporated Association or Entity 0 Limited Liability Company O Other 3. Type Of Product , O Certificate of Deposit 0 Checking K Saving O Loan 00ther, specify 4 Account Pur O Payroll 0 Operational O Trust O Pubic Funds O ATM Machias) O Escrow K Transfer Funds O Corresponsal O Investment O Other 5. Expected Transactions Monthly Transactions Credits Dansni Ions a 1 -10 O 11 - 29 O 21 or more. Total Amount 0 $1 - $5,000 0 $5.001 - $25,000 O $25,001 o more. Transaction Mope O Cash O Payrol O Account Transfers O ACH O Electronic Transfers O Other. O Checks K POS Debits Transactions O 1 -10 0 11 • 20 O 21 or more. Total Amount $1 -$5,000 0 $soel - sxs,00e 0 $25901 o Transaction Type 0 Cash O Payroll O Account Transfers 0 ACH O Electronic Transfers O Other. O Checks 0 International Transactions - Wire Transfers Q Incoming Transfers O Outgoing Treaters • Daily O Weekly 0 Monthly. O Daly E Weekly O Monthly. Transactions 0 1 -10 • 11 -20 O 21 - 50 • 51 or more. Transactions O 1-10 O 11 - 20 • 21 -50 O 51 or more. Total Amount O St - Sss.000 O mom .$500,000 • 3500.001 o more. TOM/ Amount O at - *25.000 O OS500,0010 $25 001-$50900D more. Countries Countries 6. Initial Deposit and Origin of Furth, Initial Deposit: 5.000.00 Wain of Funds: If the initial deposit is greater than $500.000: Indicate the source of wealth: 7. Client Classification • if the 00SWOOS yes to et least one of the Worm,. the cliental, be tendered high risk and further scion is needed as estethsh tin the Due Mena Cheeklisl- Guidance For Mails& orEnbties Conskiereel as Kph Risk. . ti the am-merle 0. E. or F is yet then aothorizaeon from the Compfisnce DePirlmenf- RSA Deis& is Weed A. Is the NAICS selected high risk? B. Does the business have a private ATM machine on site? C. Is the business a nonprofit organization? D. Is the business a political committee or organization? E. Is the business related to an officer of a foreign government? Indicate the type of relationship: Yes No O El DNY_GM_00013 F. Is the business e a in activities rolat FirstBankPR000959 EFTA_00124439 EFTA01269606 Bank - Existing Account Number Customer Due Diligehce For Additional Signers on Individual Accounts or Authorized Signatures on Business Entities Accounts Account Number which is attached to the Signer 1. Authorized Signer Information Name: HARRY Date of Birth: Citizenship: US Physical Address: 12 GOLAR DRIVE MONSEY, NY 10952 Initial: I Last Name: belier Place of Birth: NEW YORK Nome Phone: 212-750-1176 Mailing Address: 6 1 oq RED HOOK QUARTER B3 ST. THOMAS. VI 00802 Plan of Employment HBRK ASSOCIATES Occupation: ACCOUNTANT Work Phone: 614-862-4814 Email: Relation Account Title: ACCOUNTANT ID Type Numbs. 1st I D/LICENSE 2nd US PPT Social Security: Other: N/A Employment Address: 301 EAST 66Th STREET, STE 10F NEW YORK. NY 10065 Recurrent Source: O Own Business El Private O Government O Other, specify: Annual Income: El $0.01 - $50.001 K $50,00t - $150,000 O $150.001- $250.000 O Over 5250000 3. Client Classification . If the answers ws fo r A and C of Me • quesfions. Me cash aiaDe considered high rsk aMfutheradim s needed as esfMitjshin du Due Ottgente ChecintstGuidence For individuals or Entities Considered as IVA Risk • If the answer lo C is yes, Mel euMorizefion kali The Camphoric° Department-BSA Dimon Is rebate° A. Indicate whether the client is a nonresident (NAICS X100030) B. Indicate whether the client is a resident alien: (NAICS #200000) C Indicate whether the client is related to an officer of a foreign government and document the type of relationship. (NAICS X400000) 4. Verification System- For use only as Contingency Plan if CHEXSYSTEM was called Name of the Representative who attended your call: _ Response to Social Security: Year: State: Response on Industry Behavior: Response on ID: Other: r)- 5. Account Opening Authorization Name Comments. if applicable: Interviewed by E Approved LEONA MALONE Name ." Signature Stristure 5NNS-f 305-1 tit CONFIDENTIAL Lj Denied i h .1/41 Officer No 1/2312012 Deb SO NY_GM_000 13797 CONFIDENTIAL FirstBankPRO00960 EFTA 00124440 EFTA01269607 First Bank Existing Account Number Customer Due Diligence For Additional Signers on Individual Accounts or Authorized Signatures on Business Entities Accounts Account Number which is attached to the Signer 1. Authorized Signer Information Name: JEFFREY Date of Birth: 1/20/1953 Citizenship: US Physical Address: LITTLE SAIINT JAMES ISLAND THOMAS, VI 00802 Initial: Place of Birth: NY E Last Name: eps(eibi C `Ts1C k'1 Home Phone: 340-775-8100 Mailing Address: 6100 RED HOOK QUARTER 83 ST. THOMAS, VI 00802 - _ Place of Employment: FINANCIAL TRUST COMPANY, INC. Occupation: FINANCIAL CONSULTANT Work Phone: 340-775-2525 Email: [email protected] Relation Account Title: LA I.' \ ID Typo 1st D/LICENSE Number Social Security: Other: N/A Employment Address: 6100 RED HOOK QUARTER 83 ST. THOMAS, VI 00802 Country USVI US Expiration (MMINVYYYY) 01/20/2015 10/10/2012 2. Income Recurrent Source: I Annual Income: S Own Business O Private O Government O Other. specify: O $0.01 - $50.001 IZ $50,001 $150,000 O 5150001- 3250.000 O Over 5250.000 3. Client Classification • II the answers yes lora and C of the foricraW9 queskons, the clientwife. considered high risk and Whet action is needed as establish in the Due atone? Check -Guidance Fa Inottiduat or Entaies Considered as high Risk. • lithe answer lo C is yes then eutorizatton from the Compliance DepaittnentaM Cahoon is reclined. A. Indicate whether the client is a nonresident alien- (NAICS #100000) B. Indicate whether the client is a resident alien: (NAICS #200000) C. Indicate whether the client is related to an officer of a foreign government and document the type of relationship: (NAICS #400000) 4. Verification System- For use only as Contingency Plan if CHEXSYSTEM was called Yes No Name of the Representative who attended your call: Response to Social Security: Year: Response on Industry Behavior: Response on ID: State: Other 5. Account Opening Authorization Wrred Luton Mum Comments. if applicable: Interviewed by: LEONA MALONE Name NNNS-1306-1111 - .,--si-. . Sign/furs CONFIDENTIAL K Denied Officer No. 01/23/2012 SDNY_GM_00013798 CONFIDENTIAL FirstBankPR000961 EFTA_OOI 2444 I EFTA01269608 First Bank Existing Account Number Customer Due Diligence For Additional Signers on Individual Accounts or Authorized Signatures on Business Entities Accounts Account Number which is attached to the Signor 1. Authorized Signer Information Name: DARREN Date of Birth: 2/19/1965 Citizenship: US Physical Address: 2 KEAN CT LIVINGSTON, NJ 07039 Initial: K Last Name: indyke Place of Birth: NEW YORK Place of Employment: HBRK ASSOCIATES Occupation: ATTORNEY Work Phone: 614.862-4817 Email: [email protected] Relation Account Title: ATTORNEY ID Type 1st D/LICENSE 2nd USPPT Number Home Phone: 852-485-6315 Mailing Address: 6100 RED HOOK QUARTER B3 ST. THOMAS, VI 00802 Social Security: Other: 852-485-6315 Employment Address: 301 EAST 66TH STREET 10E NEW YORK. NY 10065 Country NJ US Recurrent Source: O Own Business E) Private O Government O Other. specify: Annual Income: 3. Client Classification • If the answers yes tot A and C of the f otiowng questions, the dent WYE* Check/P-Guidance For Individuals or Enbins Considered as Mph Risk • II the answer to Cis yet then authorization from the Carmine Departinent-B54 Oaten is AX/Uged. A. Indicate whether the client is a nonresident alien: (NAICS #100000) B. Indicate whether the client is a resident alien: (NAICS #200000) Expiration (AOSIDEATYYY) -4- O S0.01 - $50,001 O 550 001- $150.000 El 4150,001- 5250,000 O Over $250.000 04/30/2014 03/10/2012 C. high risk mid hither Wks is needed as establish In the Due Nakano? Indicate whether the client is related to an officer of a foreign government and document the type of relationship: (NAICS #400000) Yes No O 0 El 0 O 0 4. Verification System• For use only as Contingency Plan if CHEXSYSTEM was called Name of the Representative who attended your call: Response to Social Security: Year: Response on Industry Behavior: Response on ID: _ _ State: Other: 5. Account Opening Authorization Approved Iliackto Lr. Comments, if applicable: Interviewed by: LEONA MALONE Mama NNNS-1308-1111 n Denied (C Officer Date 1/23/2012 Signature Date CONFIDENTIAL SDNY_GM_00013799 CONFIDENTIAL FirstBankPR000962 EFTA_00 24442 EFTA01269609 First Bank Existing Account Number Customer Due Diligence For Additional Signers on Individual Accounts or Authorized Signatures on Business Entities Accounts Account Number whkh is attached to the Signer 1. Authorized Signer Information Name: JEANNE Oats of Birth: 9/2/1960 Citizenship: US Physical Address: 6L CABRITA POINT ST. THOMAS, VI 00802 Initial: Place of Birth: NY Place of Employment FINANCIAL. TRUST COMPANY, INC. Occupation: CPA Work Phone: 340-775.2525 Email: jebrennaattglobalmet Relation Account Title: MANAGER ID Type Last Name: brennan Social Security: Home Phone: 340-779-1736 Other: 340-8904494 Mailing Address: 6501 RED HOOK PLAZA, STE 201 ST. THOMAS,_ VI 00802 Number 1st 2nd USPPT VOTERS ID Empleymont Address: 6100RECI HOOK PLAZA, STE 201 ST. THOMAS, VI 00802 Country US VI RecurreM Source: O Own Business I23 Private 0 Government 0 Other. sPociff _ Annual Income: 3. Client Classification • If the answer Cs yes lor A end C ot the Icatowing questions, the caertf ma be considered high risk and further action is needed as establish in the Due Davao° Checklist-Guidance For Indulduaas ot Entities Consiared as High Risk • If the answer to C is yes, then 8W:satiation from the Compeente Depertment-&SA Denton is required. A. Indicate whether the client is a nonresident (NAICS #100000) B. Indicate whether the client is a resident alien: (NAICS #200000) C. Indicate whether the client is related to an officer of a foreign government and document the type of relationship. Expiration MINGISITYY) 0 $0 .01 . $50.001 ID $50001 - $150.000 K $150.001. 5250.000 0 Over $250,000 05/19/2018 WA (NAICS #400000) Yos No O NI 4. Verification System- For use only as Contingency Plan if CHEXSYS TEM was called Name of the Representative who attended your call: Response to Social Security: Year: Response on Industry Behavior: Response on ID: State: Other: 5. Account Opening Authorization Approved Nam. -Jr' Comments, if applicable: Interviewed by: LEONA MALONE Na na s- 13061111 Signature ] gStd CONFIDENTIAL 1/23/2012 Date - — SONY_GM_00013800 CONFIDENTIAL FirstBankPR000963 EFTA_00124443 EFTA01269610 ,,,,, W-9 I glow. °caw 2oon OrFulowt4 el $i* Pon.? lieklOti R.N..... &vela Request for Taxpayer Identification Number and Certification Give form to the requester. Do not send to the IRS. Print or type See Specifc ktstnsethans on page 2 NO-T.0 (as 'Ammon your horns lax relive) LSJ EMPLOYIJES.I.Le Illuanen Mile, V different from Above Cited anoronia box: O indradsevsoro proprleas O Corptoition O Parbuss2IP I2 UMW SabUty <Ong,* Ester the tax strisfilagsn (0•dCregarded enRy, geterporallOg.WePaaeOreeip) W CI Oh.. M• Waste* W. [7) D Exo : : en r Address tnumber, steel, fad apt or wile ,ad 61 00 Rod I look Quarters 03 Request."' name and edisoss Wive* Oty, date. and DP code St. 'Rieman, VI 00802 Liu accent numbest+) hero gOnswe Taxpayer Identification Number (TIN) Enter your TIN In Co appropriate box. The TIN provided must meters the name given on lino Ito avoid I Seeloi security member backup viiihholding. For individuals. this Is your social security number (SSN). However, for a resident j • Alton. Sots proprietor. or aimed:tided entity, see the Part I Instructions on page 3. Foe other entitles, It Is Your employer IdenUfkatico nor/Dm (E114). N you do not have a number, see lbw to get a TIN on page 3. number to weer. i Ernoloyer Identaleatlea number I Note. If the account In micro than one name, see the Wet on page 4 for guldeilles on whose CorMkatIon or Part II Under penalties oIperNiry. 1 certify that: I. The number shown on this form Is my correct taxpayer Identification number (or I ern wiling for a number to be Issued to me), and 2. I am not subject to backup withraliNng booause: (ea I em exempt Porn backup wahholdlig, or (b) I have not been notified by the Internal ibwrimi• Servico (IRS) that I am subject to backup nillshokfing es a rosult of a Pam to report all interest or driSderds. or (o) the IRS has notified me that I am no longer subject to teas* wItNusidIng, and 3. I am a U.S. cation or other U.S. person (defined below). Certification, Wierti0ll0TI0. You must cross out item 2 above If you have been notified by the IRS that you ore cogent!), SUbieel to backup withholding because you ham IMed to report all interest and &Wands on your lax return. For reel estate transactions. Item 2 does not ankh For mortgago Interest mad, scat/olden or abandonment of secured property, cancel/Won of debt contribulkins to an indivklual retirement arrangement (IRA). end generally, payments other than Interest and dMdends, you are not required to sign the Codification, but you most provkio yco: correct Ttl. See the Instructions on pogo 4. Sign Slralioto 01 Hore us. notion W General Instructions Section references are to the Internal Revenue Code unions otherwise noted. Purpose of Form A person who Is required to file en Informadon urban with the IRS must obtain your correct taxpayer Identlacallon number (TIN) to report, lot example. Income paid to you, real estate transactions. mortgage Interest you paid, acquisition or abandonrnent of secured property. cancellation of debt, or contributions you mado to an IRA. Use Form W-0 only If you are a U.S. person (including a resident den), to provide your correct TIN to the person requesting it (the requester) and, when applicable. to: 1. Codify that the TIN you ere giving fs correct (or you aro walling for a number to be Issued), 2. Certify that you are not sublect to backup vAlltokling, or 3. Claim exemption Porn backup withholding If you aro a U.S. exempt payee. II applicable, you are also certifying that as a U.S. person, your ccable share of any partnersh'p Income from a V.S. trade or busInoss Is not subloct to the withholding lax on foreign partners' share of efloctively connected Income. Note. If a requester gales you a term other than Form W-9 to request your TIN, you must use the requester's form it N Is Substantially slather to this FormW-9. tel.t...vt.cdec Dols W ;hy /7 Definition of a U.S. person. For federal lax purposes, you aro constderod a U.S. person 0 you are: • An individual who Is n U.S. citizen or U.S. resident Sian, • A partnership, corporation, company, or association created or organized in the United States or under the laws el the United Slates, • M estate (other than a foreign estate). or • A domestic trust (as dellned In Regulations section 301.7701-7). Special miss for partnerships. Partnerships that conduct o trade or business In the United Slates aro generally required le pay a withholding tax on any foreign partners' chafe of income Irons such business. Further. In coda's' cases where a Form W.9 has not boon received, a partnership Is requited to presume that a partner is a foreign parson, nod pay the willtholdng tax. Thereto's. If you are a U.S. person that Is a partner In a partnership conducting a trade or business In the United States, provide Form W-8 to the partnersNp to establish your U.S. status and avoid withhotdtng on your share of partnership Income. The person who gives Form W-0 to the partnership for purposes of establishing Its U.S. *talus and avoiding withholding on Its allocable share of net Income from the partnership conducting a trade or business In the United Slates Is In the folloWing cases: • The U.S. owner of a disregarded entity end not the entity, Cot. Na. lout% Form W-9 (aw. 10.2007) CONFIDENTIAL SDNY_GM_00013801 CONFIDENTIAL FirstBankPR000964 EFTA2)01 24444 EFTA01269611 glimsDEPARTMENT OF THE gmmL REVENUE TREASURY CINCINNATI OH 45999-0023 Date of this notice: 12-09-2011 tification Number: Form: SS-4 Number of this notice: CP 575 G ISJ EMPLOYEES LLC JEFFREY EPSTEIN SOLE MER 9100 HAVENSIGHT 15 16 ST THOMAS, VI 00802 For assistance you may call us at: 1-800-829-4933 IF YOU WRITE, ATTACH THE STUB AT THE END OF THIS NOTICE. WE ASSIGNED YOU AN EMPLOYER IDENTIFICATION NUMBER Thank you for applying for an Employer Identification Number (BIN). We assigned you EIN 66-0776615. This BIN will identify you, your business accounts, tax returns, and documents, even if you have no employees. Please keep this notice in your permanent records. When filing tax documents, payments, and related correspondence, it is very important that you use your BIN and complete name and address exactly as shown above. Any variation may cause a delay in processing, result in incorrect information in your account, or even cause you to be assigned more than one EIN. If the information is not correct as shown above, please make the correction using the attached tear off stub and return it to us. A limited liability company (LLC) may file Form 8832, Entity Classification Election, and elect to be classified as an association taxable as a corporation. If the LLC is eligible to be treated as a corporation that meets certain tests and it will be electing S corporation status, it must timely file Form 2553, Election by a Snail Business Corporation. The LLC will be treated as a corporation as of the effective date of the S corporation election and does not need to file Form 8832. To obtain tax forms and publications, including those referenced in this notice, visit our web site at www.irs.gov. If you do not have access to the Internet, call 1-800-829-3676 (TTY/TDD 1-800-829-4059) or visit your local IRS office. IMPORTANT RECDIDERS: • Keep a copy of this notice in your permanent records. This notice is issued only one time and the IRS will not be able to generate a duplicate copy for you. • Use this EIN and your name exactly as they appear at the top of this notice on all your federal tax forms. * Refer to this EIN on your tax-related correspondence and documents. If you have questions about your BIN, you can call us at the phone number or write to us at the address shown at the top of this notice. If you write, please tear off the stub at the bottom of this notice and send it along with your letter. If you do not need to write us, do not complete and return the stub. Thank you for your cooperation. CONFIDENTIAL SDNY_GM_000i3802 CONFIDENTIAL FirstBankPR000965 EFTA (H) 124445 EFTA01269612 (IRS USE ONLY) 575G 12-09-2011 LSJE 0 9999999999 SS-4 Keep this part for your records. CP 575 G (Rev. 7-2007) Return this part with any correspondence so we may identify your account. Please correct any errors in your name or address. CP 575 G 9999999999 Your Telephone Number Best Time to Call DATE OF THIS NOTICE: 12-09-2011 EMPLOYER DDENTIFICATICN NUMBER: FORM: SS-4 NOBOD INTERNAL REVENUE SERVICE CINCINNATI OH 45999-0023 LSJ EMPLOYEES LLC JEFFREY EPSTEIN SOLE MBR 9100 HAVENSIGHT 15 16 ST THOMAS, VI 00802 CONFIDENTIAL SDNY_GM_00013803 CONFIDENTIAL FirstBankPR000966 EFTA (()124446 EFTA01269613 First 1 • - Bank Virgin Islands We the undersigned Members, Managers, or Officers of LSJ Employees LLC ("Company') located at Little Saint James Islands SL Thomas HEREBY CERTIFY that Company, a Limited Liability Company formed pursuant to U.S.Virgin Islands (Stale Infonuaten) is composed of the following Members: Jeffrey Epstein Limited Liability Company Letter and Security Agreement Date 12/1212011 and the Mowing Manager or Officer(s): Jeanne Brennan On** Name of Manager or Nerns(') cc Tille(s) of Officer(s)) To induce you in your discretion to act and rely hereon and on the signature of any of the designated present or future Managers, Members, Officers, employees or agents of Company ('Authorized Person(s)1, we agree and certify on behalf of Company as follows: 1. FrstBank ('Bank') is hereby designated as depository of Company, and any Authorized Person is authorized to deposit or designate for deposit any funds of Company in Bank at any of its branches. Bank may at any time refuse to accept and/or may return by ordinary mail or otherwise the whole or any part of a deposit. Jeffrey Epstein, Member Darren lndyke, Altomey Jeanne Brennan, Manager Harry 2. The following duty appointed Authorized Person(s) Beller, Accountant signing Singly (For purposes of signirg gems. indizale e.g., sigly, any two, etc.) and their successors are hereby authorized to sign, by hand or by facsimile (including, but not limited to, computer generated) signature(s). checks, drafts, acceptances and other Instruments (hereinafter each collectively referred to as "Item(s)"). Notwithstanding the above, any Authorized Person is authorized singly to: (1) initiate Automated Clearing House ('ACHP) debits without a signature; (2) initiate payments by use of Depository Transfer Checks ('DTC') without a signature other than the name of Company printed on the DIG; or (3) give Instructions, by means other than the signing of an item, with respect to any account transaction, including, but not limited to the payment, transfer or withdrawal of funds by wie, computer or other electronic means, or otherwise, or of money, credits, items or property at any time held by Bank for account of Company ("Instructions"). 3. Bank is hereby authorized to honor and pay Items, whether signed by hand or by facsimile (including, but not imited to, computer generated) signature(s). In the case of facsimile signatures, Bank is authorized to pay any Item if the signature, regardless of how or by whom affixed, and whether or not the form of signature used on such Item was actually prepared by or for Company, resembles the specimens filed with Bank by Company. Bank is further authorized to honor and pay DTCs, ACHs, Instructions, and other orders given singly by any Authorized Person, including such as may bring about or increase an overdraft and such as may be payable to or for the benefit of any Authorized Person or other Manager or Member or employee individually, without inquiry as to the circumstances of the issuance or the disposition of the proceeds thereof and without limit as to amount 4. Bank is hereby authorized to accept for deposit, for credit, or for collection, or otherwise, Items endorsed by any person or by stamp or other impression in the name or account number of Company without inquiry as to the circumstances of the endorsement or any lack of endorsement or the disposition of the proceeds. 5. The following Authorized Persons Jeffrey Epstein, Member (imitate by rare those authorized to effect Loam, Advances, et) of Company, signing Singly (Indicite how nstfe, et are to be signed. e.g. *eh% any two. et.) are hereby authorized to effect loans and advances and obtain credit at any time for Company from Bank (and guarantee on behalf of Company the obligations of others to Bank), secured or unsecured, and for such loans and advances and credit and guarantees to make, execute and deliver promissory notes and other written obligations or evidence of indebtedness of Company, applications for letters of credit, instruments of guarantee an ' indemnity and any agreements or undertakings, general or specific, with respect to any of the foregoing, and as security for the payment of loans, advances, indebtedness, guarantees and liabilities of, or credit given to, Company or others to pledge, hypothecate, mortgage, assign, transfer, grant liens and security interests in, give rights with respect to, endorse and deliver property of any deeds of trust, security agreements, 1s91c. 0c r ly ivrd by cansampantionsatesoortgages. ttomey and other agreements or instruments f description, real or personal, and any ' CONFIDENTIAL FirstBankPR000967 EFTA_DOI 244.47 EFTA01269614 another or others and now or hereafte----ng to or acquired in any manner by Bank, whetherceotracted by Company alone or jointly and/or severally with another or others, absolute or contingent, secured or unsecured, matured or unmatured (all of which are hereafter collectively called 'Obligations') upon any and all moneys, securities and any and all other property of Company and the proceeds thereof, now or hereafter actually or constructively held or received by cr in transit in any manner to or from Bank, its correspondents or agents from or for Company, whether for safekeeping, custody, pledge, transmission, collection or otherwise coming into the possession of Bank In any way. 8. In case of conflicting claims or disputes, or doubt on Bank's part as to the validity, extent, modification, revocation or exercise of any of the authorities herein contained, Bank may, but need not recognize nor give any effect to any notice from any Manager or Member of Company, or from any other person purporting to cancel, restrict or change any of said authorities, or the exercise thereof, unless Bank is required to do so by the judgment, decree or order of a court having jurisdiction of the subject matter and of the parties to such conflicting claims or disputes. 9. Company agrees to be bound by the Terms and Conditions for Business Accounts and Services, currently in effect and as amended hereafter, as wel as any signature card, deposit ticket, checkbook, passbook, statement of account, receipt. instrument, document or other agreements, such as, but not limited to, funds transfer agreements, delivered or made available to Company from Bank and by all notices posted at the office of Bank at which the account of Company is maintained, in each case with the same effect as if each and every term thereof were set forth in full herein and made a part hereof. 10. Subject to paragraph 10 above, all the foregoing authorities shall remain r full force and effect until revoked or limited by written notice to Bank provided that such notice shall not be effective with respect to any revocation or modification of said authorities until Bank shall have had a reasonable opportunity to act thereon and in no event prior to the receipt or the payment of money or the withdrawal of funds dated on or prior to the date of such notice, but presented to Bank after receipt of such notice and Bank is hereby authorized at all times to rely upon the last notice, certification or communication received by it as to the persons who from time to time may be signatories of Company, or as to their respective specimen signatures and/or as to any other Company matters, and Bank shall be held harmless in such reliance. 11. The Managers, Members, and Officers of Company, or any one or more of them are hereby authorized to act for Company in all other matters and transactions relating to any of its business with Bank including, but not limited to, the execution and delivery of any agreements or contracts necessary to effect the foregoing Resolutions. 12. Company hereby represents and warrants that none of the authorities herein contained are contrary to cr inconsistent with any other agreements among Members of Company, or between Company and other parties. 13. Bank is hereby released from any liability and shall be indemnified against any loss, liability or expense arising from honoring this Agreement. 14. The signature(s) below is/are the signature(s) of the Manager(s), if Company is manager-managed, the signature(s) of the Member(s) if Company is member-managed, or the signature(s) of the Officer(s) if Company is governed by a board of directors. NOTE: In case the Manager, Member, or Officer is authorized to sign by the above provisions, this Agreement should be signed by a second Manager, Member, of Officer. By. Jeffrey Eps Tie: SOW rkt e_inAio-er (Manager Mot% or Cdclai Tie) By. Jeanne Brennan Tide: Manager 4C-4-7C-0-dee.. (Manager. Member. or Olficel Tie) Very truly yours, LSJ Employees LLC Name or Caveny Little Saint James Island St. Thomas USVI Address CONFIDENTIAL SO NY_GM_000 13805 CONFIDENTIAL FirstBankPR000968 EFTA_00124448 EFTA01269615 go rt.? Bank Virgin Islands Limited Liability Company Authorization and Indemnity Agreement For Telephone/Telex/Facsimile/Written Instructions 1. Authorization. The undersigned hereby requests and authorizes FirstBank (the "Bank") to accept and act upon any instructions (Instructions') delivered by telephone or telex or 'mitten or facsimile transmission given or purportedly given by a person or persons authorized to transact business with the Bank as shown on the resolution or other evidence or advice of authority from time to time maintained in the records of the Bank. 2. No Liability of Bank The undersigned accepts the risk that instructions may be given by an unauthorized person and agrees that the Bank will have no liability or responsibility for acting in accordance with any Instructions, whether or not genuine or duly authorized. The Bank shall have no liability or responsibility for any misunderstandings arising out of any telephone Instructions. 3. Security Procedures. The security procedure agreed upon for verifying the authenticity of Instructions Ls a call back to any of the following individuals, whether or not such individual has initiated any such transfer. (The Bank recommends that the persons designated below should not be persons who generally issue Instructions. Whenever possible, the Bank will endeavor to call someone other than the issuer of the instructions.) Name and Title Jr nnn e_ nth 6/1 AC deg-. I Plara r Telephone Number (Include country/Arca Cock) „,„?A/O - 7 75- lae.t0 i/11O/11 b 94- Ra 7 tr' Alternatively, at the Bank's option, the call back may be made to any person designated on the signature cards or any other account documentation on file with the Bank for the undersigned's accounts as authorized to issue Instructions or otherwise transact business on such account. In addition to call back, the parties agree that for Instructions received by facsimile transmission, or in writing, the Bank will determine whether the Instructions purport to bear the signature of any individual who is designated on the current signature cards or other account documentation on file with the Bank for the undersigned's account(s) as authorized to issue Instructions or otherwise transact business on such accounts. The security procedures and other terms specified in this Agreement also apply to amendments and cancellations of Instructions. It is understood that these security procedures are designed to verify the authenticity, and not the correctness, of Instructions. The Bank may, at its option, record (electronically or otherwise) any call back made pursuant to this Agreement, any Instructions or other instructions given by telephone and any other telephone discussions relating to Insbuctions. The undersigned agrees that its rights and duties and those of the Bank hereunder shall be governed by the terms of the Bank's Account Terms and Conditions (as may be amended from time to time) applicable to the undersigned's accounts at the Bank The undersigned agrees that the security procedures set forth herein constitute a commercially reasonable method of providing security against unauthorized Instructions. The undersigned agrees to be bound by any Instruction, whether or not authorized, issued in the undersigned's name and accepted by the Bank in compliance with the security procedure set forth herein and the undersigned agrees to indemnify and hold the Bank harmless from any loss suffered or liability incurred by the Bank in, or arising from the Bank's exectiion of Instructions believed by the Bank in good faith to have been given (or signed in the case of any facsimile transmission) by a person authorized as provided above, provided the Bank has complied with such security procedure. 4. Bank May Decline to Act. It is understood that the Bank shall have no obligation to execute any instruction unless and until such Instruction is verified in accordance with the security procedures set forth herein, and the undersigned will indemnify and hold the Bank harmless from any loss suffered or liabilty incurred by the Bank in refraining from processing an Instruction after all reasonable efforts to verify such Instruction in accordance with this agreement have failed or in delaying the execution of an Instruction until such verification is obtained. Upon notice to the undersigned, the Bank may also, at its option, refuse to execute any Instruction or part thereof for any other reason without incurring any responsibility for any toss, liability or expense arising out of such refusal. 5. Indemnity The undersigned agrees to indemnify the Bank, it's affiliates, subsidiaries and their directors, officers, representatives and agents on demand for all losses, claims, damages or expenses (including legal fees and disbursements) which it or any of them may suffer or incur in connection with this Agreement, including, but not limited to, acting or refusing to act on any Telephone or Telex or Facsimile or Written Instruction, whether or not genuine or duly authorized. 6. Our continued issuance of Transfer I • s ell our agreement to the security pro CONFIDENTIAL ukrinAerof this lettetictsitpezifraiganstitute FirstBankPR000969 EFTA_001 24449 EFTA01269616 'First Bank Virgin Islands Limited Liability Company Resolutions For Telephone/ Telex/Facsimile/Written Instructions We the undersigned Members, Managers, or Officers of LSJ Employees LLC A company duly organized and existing under the laws of U.S. Virgin Islands Held at American Yacht Harbor , St. Thomas on the 12 day of December , 20 11 . IT WAS RESOLVED 1. That the company issue in favor of FirstBank (the "Bank") a Limited Liability Company Authorization and Indemnity Agreement For Telephone/Tetex/FacsimileNVritten Instructions in the form required by the Bank, a copy of such form having been presented to and approved by the Members, Managers, or Officers. 2. That Jeanne Brennan, Manager K d / Jeffrey Epstein, Member (POI Nan* and Tale) Of` (Print Name and Tale) be authorized to execute the said Authorization and Indemnity Agreement in favor of the Bank. IN WITNESS WHEREOF, I have hereunto set my hand as Member/Manager/Officer of the Limited Liability Company this 12 day of December , 20 11 'Select One 9<aret.ert,....t signature Jeanne Brenner', Manager Name and Me CONFIDENTIAL SDNY_GM_00013807 CONFIDENTIAL FirstBankPR000970 EFTA 00121450 EFTA01269617 AFFIDAVIT RE NOT DOING BUSINESS Jeanne Brennan being of lawful age and after having been duly sworn, state that: 1. I am, and have been from the date of the filing of the Articles of Organization, a copy of which is attached hereto, the Manager of LSJ Employees, L.L.C. ("the Company"). 2. I hereby confirm that the Company never did any business of any kind from the date of the filing of the Articles of Organization through the date of this statement and we further state that the Company has no intention of doing any business in the foreseeable future. 3. I hereby further confirm that the Company did not do business and does not intend to do business because it is a holding company, which was not and is not intended to be used for any type of business other than to employ household employees. 4. I hereby further confirm that the Company will not do any business of any kind prior to applying for and obtaining a United States Virgin Islands Business License, a copy of which will be delivered to the Bank. 5. The Company requires a bank account for the purpose of corporate expenses. 6. I have personal knowledge of the facts herein stated. IN WITNESS WHEREOF the parties have signed and sealed this agreement this 7_i sr day of TD2c8,1}S , 2011 SUBSCRIBED AND SWORN to me this OST day of ---Ni!Caitt3,t2. 2011 NOTARY PUBLIC Name: Daphne Louise Wallace My Commission Exp: January 6, 2014 NP Commission N NP-007-10 St.ThomasiSt. John. USVI District CONFIDENTIAL SDNY_GM_00013808 CONFIDENTIAL FirstBankPR000971 EFTA 00124451 EFTA01269618 OPERATING AGREEMENT OF LSJ EMPLOYEES, LLC A U.S. Virgin Islands Limited Liability Company THIS OPERATING AGREEMENT (this "Agreement') is made and entered into as of December 2011 by Jeffrey E. Epstein (hereinafter referred to as "Sole Member"), with an address at 6100 Red Hook Quarter, Suite B-3, St. Thomas, USVI 00802 and who hereby forms LSJ EMPLOYEES, LLC, a U.S. Virgin Islands limited liability company (the "Company") pursuant to the U.S. Virgin Islands Uniform Limited Liability Company Act (the "Act') upon the following terms and conditions: SECTION I ORGANIZATION & FORMATION A. Formation. The Company has been organized as a U.S. Virgin Islands limited liability company under and pursuant to the U.S. Virgin Islands Limited Liability Company Act (the "Act") by the filing of Articles of Organization ("Articles") with the Office of the Lieutenant Governor, on October 27, 2011, as required by the Act. B. Name. The name of the Company shall be "LSJ EMPLOYEES, LLC". The Company upon proper notice and filing with the Office of the Lieutenant Governor of the US. Virgin Islands may conduct its business under one or more assumed names. C. Purposes. The purpose of the Company is to engage in any lawful activity, operate any lawful enterprise or to have any other lawfitl purpose perrnitted by the law of the territory of the U.S. Virgin Islands. The Company shall have all the powers necessary or convenient to affect any purpose for which it is formed, including all powers granted by the Act. D. Duration. The Company shall continue in existence perpetually, beginning on the date of filing of the Articles,.unless terminated by law or dissolved and terminated. E. Registered Office and Resident Agent and Place of Business. The Registered Office and Resident Agent of the Company for service of process within the tenitory shall be: Erika A. Kellerhals, at 9100 Havensight, Port of Sale, Suite 15/16, St. Thomas, U.S. Virgin Islands 00802. The Company's principal place of business is 6100 Red Hook Quarter, Suite B-3, St. Thomas U.S. Virgin Islands 00802 or such other place or places as the Sole Member may hereafter determine. 1 CONFIDENTIAL SDNY_GM_00013809 CONFIDENTIAL FirstBankPR000972 EFTA_00 I 24452 EFTA01269619 SECTION II CAPITAL STRUCTURE: MEMBERSHIP UNITS AND CONTRIBUTIONS/TRANSFER QF MEMBERSHIP UNITS A. Capital Contribution by the Sole Member. Initial Issuance. The Sole Member's ownership rights in the Company shall be reflected in "Membership Units," as recorded in the Company's records. Upon the formation of the Company, the Sole Member shall make a capital contribution to the capital of the Company in the amount of cash, or of the property-in-kind, or both, set forth opposite the Sole Member's name on the Schedule of Capital Contributions attached hereto. The Company shall thereupon issue to the Sole Member that number and class of Units so subscribed and contributed for. The Sole Member may make additional capital contributions at any time and in any amount that it may desire. B. Transfer of Membership Units. The Sole Member may transfer any or all of its Membership Units to any person or persons, at any lime and from time to time. Subject to the provisions of this Section, the Sole Member may assign its Membership Units in the Company in whole or in part. The assignment of a Membership Unit does not itself entitle the assignee to participate in the management and affairs of the Company or to become a member. Such assignee is only entitled to receive, to the extent assigned, the distributions the assigning Sole Member would otherwise be entitled to, and such assignee shall only become an assignee of a Membership Unit and not a substituted member. An assignee of a Membership Unit shall be admitted as a substitute member and shall be entitled to all the rights and powers of the assignor only if all the members consent. If admitted, the substitute member, has to the extent assigned, all of the rights and powers, and is subject to all of the restrictions and liabilities of the members. Notwithstanding the foregoing, the Sole Member may, by a duly executed agreement, assign all of its Membership Units together with the management and voting rights in the Company. C. No Interest No Return of Capital. Capital contributions to the Company shall not earn interest, except as otherwise expressly provided for in this Agreement. Except as otherwise provided in this Agreement, the Sole Member shall not be entitled to withdraw, or to receive a return of, a capital contribution or any portion thereof. SECTION III CAPITAL ACCOUNT A. Capital Account. A capital account ("Capital Account") shall be maintained for the Sole Member, and any additional member in accordance with the provision of this Article. I. Increases in Capital Account. The Capital Account of the members shall be increased by: (a) The fair market value of the members' initial capital contribution and any additional capital contributions by the members to the Company. If any property, other than cash, is contributed to or distributed by the Company, the adjustments to 2 CONFIDENTIAL SDNY_GM_000 13810 CONFIDENTIAL FirstBankPR000973 EFTA 00124453 EFTA01269620 Capital Accounts required by Treasury Regulation Section 1.704-1(b)(2)(ivXd), (e), (f) and (g) and Section 1.704-I (b)(4)(1) shall be made. (b) The members' share of the increase in the tax basis of Company property, if any, arising out of the recapture of any tax credit. (c) Allocations to the members of Profit. (d) Company income or gain (including income and gain exempt from income taxation) as provided under this Agreement, or otherwise by Regulation Section 1.704-1(bX2)(iv). (e) The amount of Company liabilities that are assumed by the Sole Member. 2. Decreases in Capital Account. The Capital Account of the members shall be decreased by: (a) The amount of money distributed to the members by the Company pursuant to any provision of this Agreement (b) The fair market value of property distributed to the members by the Company (net of liabilities secured by such distributed property that such members are considered to assume or take subject to under Code Section 752). (c) Allocations to the members of Losses. (d) Allocations to the members of deductions, expenses, Nonrecourse Deductions and net losses allocated to them pursuant to this Agreement, and the members' share of Company expenditures which are neither deductible nor properly chargeable to Capital Accounts under Code Section 705(a)(2)(B) or are treated as such expenditures under Treasury Regulation Section 1.704-1(b)(2)(iv)(i). "Nonrecourse Deductions" shall have the meaning set forth in Treasury Regulation Section 1.704-2. (e) The amount of any liabilities of the members that are assumed by the Company. SECTION IV ALLOCATIONS AND DISTRIBUTIONS A. Allocations. For purposes of maintaining the Sole Member's Capital Account, all of the Company's net profits, net losses, expenses and other items of income, gain, loss, and credit shall be allocated to the Sole Member. All items of Company taxable income, gain, loss, deduction, and credit recognized or allowable for Federal income tax purposes shall be allocated and credited or charged to the Sole Member. 3 CONFIDENTIAL SDNY_GM_000 13811 CONFIDENTIAL FirstBankPR000974 EFTA_00124454 EFTA01269621 B. Distributions. Net cash flow shall be distributed in the following priority: 1. First, to the Sole Member in repayment of any advance of funds to the Company as a lender, to the extent of and in proportion to such advances, including interest thereon, if any; 2. Additional distributions, if any will be made to the Sole Member, in such amounts and at such times as determined by the Sole Member. C. Pistdbution upon Liquidation of the Company. 1. At the termination of the Company and after the Company has satisfied or provided for the satisfaction of all the Company's debts and other obligations, the Company's assets will be distributed in cash to the Sole Member and any dissociated members whose Membership Units have not been previously redeemed first, in discharge of their respective Capital Accounts; and then, in proportion to the Membership Units. 2. If the Company lacks sufficient assets to make the distributions described in the foregoing paragraph, the Company will make distributions in proportion to the amount of the respective Capital Accounts of the Sole Member and any dissociated members whose interests have not been previously redeemed. SECTION V MANAGEMENT OF BUSINESS A. In General. The Company shall be manager-managed. The initial Manager of the Company shall be Jeanne Brennan. The Manager shall manage the business and affairs of the Company and shall have full and complete authority, power and discretion to do all things necessary or convenient to manage, control and carry out the business, affairs and properties of the Company, to make all decisions regarding those matters and to perform any and all other acts or activities customary or incident to the management of the Company's business. B. Limitation of Manager's Authority. Notwithstanding the authority of the Manager, the written consent of the Sole Member shall be required for the Manager to: 1. Sell, transfer, assign, convey, or otherwise dispose of any part of the Company's assets; 2. Cause the Company to incur any debt in excess of $5,000, whether or not in the ordinary course of business; 3. Cause the Company to incur any debt less than $5,000 other than in the ordinary course of business; 4. Cause the Company to encumber any assets in connection with any debt referred to in clause 2 or 3 above; 4 CONFIDENTIAL SDNY_GM_000 13812 CONFIDENTIAL FirstBankPR000975 EFTA_001 24455 EFTA01269622 5. Issue, sell, transfer, assign, convey or otherwise dispose of any Membership Interest in the Company; 6. Adopt, amend or repeal the Operating Agreement of the Company; 7. Appoint or fill the vacancy of the Manager, 8. Approve a plan of merger of the Company with any other entity; 9. Amend, alter, repeal, or take any action inconsistent with any resolution of the Sole Member; and 10. Incur any single expense or combination of related expenses in excess of $5,000. C. Voting of Membership Units. A Membership Unit is entitled to be voted only if it is owned by a member and each such Membership Unit shall be entitled to one vote. Neither an assignee nor a transferee may vote a Membership Unit unless such assignee or transferee is admitted as a member. SECTION VI EXCULPATION OF LIABILITY: INDEMNIFICATION A. Exculpation of Liability. Unless otherwise provided by law or expressly assumed pursuant to a written instrument signed by such Person, neither the Sole Member nor the Manager shall be personally liable for the acts, debts or liabilities of the Company. B. Indemnification. 1. Except as otherwise provided in this Section, the Company, its receiver or its trustee shall indemnify, defend and hold harmless the Sole Member and the Manager and their respective heirs, personal representatives, and successors, and may indemnify, defend and hold harmless any employee or agent, who was or is a party or is threatened to be made a party to a threatened, pending or completed action, suit or proceeding, from and against any expense, loss, damage or liability incurred or connected with, or any claim, suit, demand, loss, judgment, liability, cost or expense, including, without limitation, reasonable attorney's fees, arising from or related to, the Company or any act or omission of the Sole Member, the Manager or such employee or agent on behalf of the Company, and amounts paid in settlement of any of the above, provided that such amounts were not the result of fraud, gross negligence, or reckless or intentional misconduct on the part of the Sole Member, the Manager or such employee or agent against whom a claim is asserted. The Company may advance to the Sole Member, the Manager or any such employee or agent and their respective heirs, personal representatives, and successors the costs of defending any claim, suit or action against such Person if such Person undertakes to repay the funds advanced, with interest, if the Person is not entitled to indemnification under this Section. 2. To the extent that the Sole Member, the Manager, or any such employee or agent of the Company has been successful on the merits or otherwise in defense of an action, suit or proceeding or in defense of any claim, issue or other matter in the action, suit or proceeding, such person shall be indemnified against actual and reasonable expenses, including, without limitation, attorneys' fees, incurred by such person in connection with the action, suit or 5 CONFIDENTIAL SDNY_GM_000 13813 CONFIDENTIAL FirstBankPR000976 EFTA_00124456 EFTA01269623 proceeding and any action, suit or proceeding brought to enforce the mandatory indemnification provided herein. 3. Any indemnification permitted under this Section, unless ordered by a court, shall be made by the Company only as authorized in the specific case upon a determination that the indemnification is proper under the circumstances because the person to be indemnified has met the applicable standard of conduct and upon an evaluation of the reasonableness of expenses and amounts paid in settlement This determination and evaluation shall be made by the vote of the majority of the Membership Units of the members who are not parties or threatened to be made parties to the action, suit or proceeding. Notwithstanding the foregoing to the contrary, no indemnification shall be provided to any Manager, employee or agent of the Company for or in connection with the receipt of a financial benefit to which such person is not entitled, voting for or assenting to a distribution to the members in violation of this Agreement or the Act, or a knowing violation of law. SECTION VII LIQUIDATION The Company shall be dissolved, and shall terminate and wind up its affairs, upon the determination of the Sole Member to do so. SECTION VIII MISCELLANEOUS PROVISIONS A. Section Heading. The Section headings and numbers contained in this Agreement have been inserted only as a matter of convenience and for reference, and in no way shall be construed to define, limit or describe the scope or intent of any provision of this Agreement. B. Severability. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof, and this Agreement shall be construed in all respects as if such invalid or unenforceable provisions were omitted. C. Amendment. This Agreement may be amended or revoked at any time, in writing, with the consent of the Sole Member. No change or modification to this Agreement shall be valid unless in writing and signed by the Sole Member. D. Binding Effect. Subject to the provisions of this Agreement relating to transferability, this Agreement will be binding upon and shall inure to the benefit of the parties, and their respective distributees, heirs, successors and assigns. E. Governing Law. Regardless of the place where this Agreement may be executed by the Sole Member, the rights and obligations of the Sole Member, and any claims and disputes relating thereto, shall be subject to and govemed by, and construed and enforced in accordance with the laws of the Territory of the U.S. Virgin Islands. 6 CONFIDENTIAL SDNY_GM_000 13814 CONFIDENTIAL FirstBankPR000977 EFTA_001 24457 EFTA01269624 IN WITNESS WHEREOF, the Sole Member makes and executes this Operating Agreement on the day and year first written above. 7 CONFIDENTIAL SDNY_GM_000 13815 CONFIDENTIAL FirstBankPR000978 EFTA_00124458 EFTA01269625 EXHIBIT A MEMBER LISTING; CAPITAL CONTRIBUTIONS Members JEFFREY E EPSTEIN By: JEFFREY E. EPSTEIN Capital Contributed Membership Units Percentage Interest $1000.00 8 100 100% eicloker DATE CONFIDENTIAL SDNY_GM_000 13816 CONFIDENTIAL FirstBankPR000979 EFTA_00124459 EFTA01269626 ARTICLES OF ORGANIZATION OF LSJ EMPLOYEES, LLC DAM COPED ' I, the undersigned natural person of the age of eighteen years or more, acting as organizer of a limited liability company under the Uniform Limited Liability Company Act, Chapter 15, Title 13, Virgin Islands Code ("Uniform Limited Liability Company Act"), do hereby adopt the following Articles of Organization for such limited liability company: ARTICLE ONE NAME, ADDRESS AND PRINCIPAL OFFICE Name and Address 1. The name and address of the limited liability company shall be LSJ EMPLOYEES, LW (the "Company"), 9100 Havensight, Port of Sale, Suite 15-16, St. Thomas, U.S. Virgin Islands 00802. The physical address of the Company shall be 9100 Havensight, Port of Sale, Suite 15- 16, St. Thomas, U.S. Virgin Islands 00802. Principal Office 2. The principal office and permanent address for the transaction of business:of the Company shall be the address stated in Paragraph 1 of these Articles as the physical address of the Company. Resident Agent and Office 3. The mailing address of the Company's initial designated office is 9100 I Iavensight, Port of Sale, Suite 15-16, St. Thomas, US. Virgin Islands 00802. The physical address of the Company's designated office is 9100 Havensight, Port of Sale, Suite 15-16, St. Thomas, U.S. Virgin Islands 00801 The name of its initial resident agent at such address is Kellerhals Ferguson LLP. The business address of the resident agent and the physical address of the designated office are identical. ARTICLE TWO PURPOSE The purpose for which the Company is organized is to engage in any and all lawful business for which a limited liability company may be organized under the Uniform Limited Liability Company Act and the other laws of the U.S. Virgin Islands. CONFIDENTIAL SDNY_GM_000 13817 CONFIDENTIAL FirstBankPR000980 EFTA 00124460 EFTA01269627 DA '4 st A Consent of Agent for Service of Process COPY f-'1 0 - • This writing witnesseth that the undersigned Kellerhals Ferguson .up having been designated by LSJ Employees, LLC, as agent of the said company upon whom service of process may be made in all suits arising against the said company in the Courts of the Virgin Islands, do hereby consent to act as such agent and that service of process may be made upon me in accordance with Title 13 of the Virgin Islands Code. IN WI t WHEREOF, I have hereunto set my signature this 27th day of October, 2011. rguson LLP r Erika A Kellerhals, Pa tner bscribed and om to before me this 27th day of October, 2011. lic in and the 7 enitOry of the United States Virgin Islands m ion expires: Ct 'A I GINA MARIE BRYAN NOTARY PUBLIC NP 069-09 COMMISSION EXPIRES 00/20/2013 AT THOMAS ST 1010,1 UPVI CONFIDENTIAL SDNY_GM_000 13818 CONFIDENTIAL FirstBankPR000981 EFTA_001 24461 EFTA01269628 Corp No. 581737 GOVERNMENT OF THE VIRGIN ISLANDS OF THE UNITED STATES — 0 — CHARLOTTE AMALIE, ST. THOMAS, VI 00802 CERTIFICATE OF EXISTENCE Cis 211 to Whoa then Snout% aka Cana) I, GREGORY IL FRANCIS, Lieutenant Governor of the Virgin Islands do hereby certify that I am, by virtue of the laws of the Virgin Islands, the custodian of the corporate records and the proper officer to execute this certificate. I further certify that the records of this office disclose that LSJ EMPLOYEES, LLC Limited Liability Company was duly registered to conduct business in the Territory on October 27, 2011 and has a legal existence as a Limited Liability Company so far as the records of this office show. Witness my hand and the seal of the Government of the Virgin Islands of the United States, at Charlotte Amalie, St. Thomas, this 7th day of November, 2011. GREGORY R. FRANCIS Lieutenant Governor of the Virgin Islands CONFIDENTIAL SDNY_GM_000 13819 CONFIDENTIAL FirstBankPR000982 EFTA ((1124462 EFTA01269629 CERTIFICATION OF BENEFICIAL OWNER(S) The information contained in this Certification Is sought pursuant to Section 1020.230 of Title 31 of the United States Code of Federal Regulations (31 CFR 1020.230). Account # Person opening an account on behalf of a legal entity must provide the following information: 1. First Name and title of Natural Person Opening Account 2. Last Name 3. Middle initial JEFFREY EPSTEIN E 4. Name and type of Legal Entity for Which the Account is Being Opened LSJE, LLC 4a. Legal Entity Address 4b. City 4c. State 4d. ZIP/Postal Code 6100 Red Hook Quarter B3 St. Thomas USVI 00802 SECTION I (re acid addhonal individuals. seepage 3) Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement, understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above. Check here K If no individual meets this definition and complete Section II. 5. First Name Jeffrey 6. Last Name Epstein 7. M.I. E 8. Date of Birth 01/20/1953 9. Address 6100 Red Hook Quarter B3 10. City St. Thomas 11. State USVI 12. ZIP/Postai Code 00802 13. Country USA 14. SSN (U.S. Persons/ Non-U.S. Parsons) 15. Identification Number (SSN, Passport Number°, other similar identificato — nnumbert OM= 15a. State of Issuance: USA 15b. Country of issuance: USA 16. Ownership % 100 NOT In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, en alien identification cad number, a number and county or issuance cf any other government-issued document evidencing nationality or residence and beating a photograph or similar safeguard. SECTION II Please provide the following information for an individual with significant responsibility for managing or directing the entity, including, an executive officer or senior manager (e.g., Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner, President, Vice President. Treasurer); or My other individual who regularly performs similar functions. 17. First Name Jeffrey 18. Last Name Epstein 19. M I. E 20. Date of Birth 01/20/1953 21. Address 6100 Red Hook Quarter B3 22. City St. Thomas 23. State USVI 24. ZIP/Postal Code 00802 25. Country USA 28. SSN SSN (U.S. Persons/ Non-U.Sc Persons) 27. Identification (SSN, Passport Number °rather similar 218. State of Issuance: USA 27b. Country of Issuance: USA NOTE: In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, an alien identification card number, or number and county of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard. 1, JEFFREY EPSTEIN name of person opening aceouno, hereby certify, to the best of my knowledge, that the information provided herein is true and correct.-## any of the above mentioned information changes I agree to proside the financial institution written notification of such changes. 12-ertJa 4 Signature: Date." NNNG•1618-0418 CONFIDENTIAL SDNY_GMPQ00213820 CONFIDENTIAL FirstBankPR000983 EFTA_00l 24463 EFTA01269630 Legal Entity Idetaifier(Optional): NNNG•1618•14I8 CONFIDENTIAL SONY GM 100033831 CONFIDENTIAL FirstBankPR000984 EFTA_00 I 24464 EFTA01269631 Additional Section 1 - Second Beneficial Owner (If required) Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement, understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above. 5. First Name 6. Last Name 7. M,I. 8. Date of Birth 9. Address 10. City 11. State 12. ZIP/Postai Code 13. Country 14. SSN (U.S. Persontimon-u.S. Persons) 15. Identification Number (SSN, Passport Numbor of other sender identification number) 15a. State of Issuance: 15b. Country of Issuance: 16. Ownership % NOTE: In lieu of a passport number. Non-U.S. Persons may also provide a Social Security Number, an siren identification card number, or number and county of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard. Additional Section 1 -Third Beneficial Owner Wrequired) Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement, understanding, relationship, or otherwise owns 20% or more of the equiy interests of the legal entity listed above. 5. First Name 6. Last Name 7. M.I. 8. Date of Birth 9. Address 10. City 11. State 12. ZIP/Postal Code 13. Country 14. SSN (U.S. Persons/ Non.U.S. Persons) 15. Identification Number (SSN, passport Nurnberor other raw idenfificaton number) 15a. State of Issuance: 15b. Country of Issuance: 16. Ownership % NOTE: In lieu of a passport number. Non.U.S. Persons may also provide a Social Security Number, en alien identification card number, or number and country of issuance of any other government-issued document evidencing nationality or residence end bearing a photograph or similar safeguard. Additional Section 1- Fourth Beneficial Owner (If required) Please provide the following information for an individual(s), if any, who, directly or Indirectly, through any contract arrangement, understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity fisted above. 5. First Name 6. Last Name 7. M.I. 8. Date of Birth 9. Address 10. City 11. State 12. ZIP/Postal Code 13. Country 14. SSN (U.S. Persons, Non-U. . S Persons) 15. Identification Number (SSN, Passport filtanberorother similar identrficabon number) 15a. State of Issuance: 15b. Country of Issuance: 16. Ownership % NOTE: In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, en alien identification card number, or number and country of issuance of any other government-issued document evidencing nationahfy or residence and bearing a photograph or similar safeguard. NNNO•1618.0tIS CONFIDENTIAL SoNy_mirofier3422 CONFIDENTIAL FirstBankPR000985 EFTA_00 I 24465 EFTA01269632 Additional Section 1- Fifth Beneficial Owner (If required) Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement, understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above. 5. First Name 6. Last Name 7. M.I. 8. Date of Birth 9. Address 10. City 11. State 12. ZIP/Postal Code 13. Country . 14. SSN (U. . S Pesons/ Non-U.S Persons) 15. Identification Number (SStil, Passport Numberorotheranfiar ldertficabon number) 15a. State of Issuance: 15b. Country of Issuance: 16. Ownership % NOTe. In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, an alien identification card number. a. number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard. Additional Section 1 -Sixth Beneficial Owner (Ifrequired) Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement, understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above. 5. First Name 6. Last Name 7. M.I. 8. Date of Birth 9. Address 10. City 11. State 12. ZIP/Postal Code 13. Country 14. SSN (US. Parsons/Non-US Persons) 15. Identification Number (SSN, Passport Number orothersintler identlficationnumber) 15a. State of Issuance: 15b. Country of Issuance: 16. Ownership % NOR In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, an alien identification card number, or number end country of issuance or any other govemment-issued document evidencing nationality or residence and bearing a photograph or similar safeguard. Additional Section 1 - Seventh Beneficial Owner (If required) Please provide the following information for an individual(s), if any. who, directly or indirectly, through any contract arrangement. understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above. 5. First Name 6. Last Name 7. M.I. 8. Date of Birth 9. Address 10. City 11. State 12. ZIP/Postal Code 13. Country scieneficabon 14. SSN (U.S Persons/Non-US. PerS0nS) 15. Identification Number (SSN, Pcsrprerrinerorothwomear number) 1Sa. State of Issuance: 15b. Country of Issuance: 16. Ownership % NOTE: In lieu of a passport number, Non-U.S. Persons may also provide a Serial Security Number, an alien identification card number. or number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard. NNNG1618-0418 CONFIDENTIAL SONYGkrileCel 0913 CONFIDENTIAL FastBankPR000986 EFTA_00124466 EFTA01269633 1 First Bank Observations at Place of Business Business Corporations New Account Visit IE Annual Visit r 1, Account Iltle LS Holing Inc BTN Lite Switzerland 3. 7. 0 O O Dew 0/1/2014 4. Time: 930 O. Time Spent 20 MN S. Vie* Contact Nano: Elervoline Seaton Type of Corporatlen: Donee CorporsOon O HCOltig Conga O Proleabnal Corporalon (C.S.Pf P.S.C) O Lrnibld Jay CalnellOoll (1e) FOMICIA Cateny O ace• Corpontion O COMMON of Ie./MO./els It 011ew.cleocribez Visit Description Complete Walt Deseelptian Solon Only For MOWN Wilt S. aeneftmal Ovnership: Inflate I the beneficial arms gerlbostion Mewed Moo lie &coma was menet O Via O No 0 NM if any Move °cowed lill out On to,, WIG.1365 Bonet*, ("MAWS* Enhen-ad Due Ormencer Fin .— II. 10. Comore* Structure 8 History II corponiba n a a mat company you may subsetuir as part**, no Mtst IM sepal II Ulls company le the holding company of an economic group Mews provide Ni tweeetaillonel than of Its seman. IEconomia Orom I I CMS'', 1 Owison 2 et Melon 3 suteussy I Div 1 .- BM'S D*1 - Sub 2 C4v 3 - Sub 1 P 10Yld• Board Alembere. Name Ralph Calmest Comer President Pollan On Seel lase 4S/2007 Lowell Rush Treasurer 4/9/2007 Great F Meek Controller StROSE---- awls, V HcSos Aeoltence Carter 4/9/2007 11. trisneement Miran In Company Pee Is Position Sees Hs_ Preside Peeks+ DOPVVarlise Operator* _ Jo. Cods VP Ops - ------- . 12 Demote wiry briefly camperrfa history and mo My weals that led to leo eunvel cenlbonlenuatien. LS Holding has Deem tanking with Firslibant for over 10 years. They arcane/Inure Clent end they are doing beefless as Lille Switzerland They have several stores rere in St Thorne* as well as St. John. They keep an average balance of $500.000.00 v. Ube SwItzerisnd has defiled kmry ii the Caribbean for more than 50 years. With over 25 stores across the Caribbean region Lade Switzerland ofkrs the most desired col mime of dessrer yerrelry and snitches inducing TAG Heuer, Caved Turman. Break,. liCtertO Coin Movedo Omega. John Hardy Chopad. Pandora, unary & Co. and Crier Corporate Description 13. Manna of MOW location. 6195 Dronningens Gade St. Thomas. VI 00802 It Leaden Type: (21 PneT9y Offen O Secondoryloeslion 03mnes OffeeWanineuerietc i it Wes er las °tildes locerise O end 0 Fined O roes eaves it Esdeisbd SWIM resew i space occupied of MAW loran 4000 17. Dose the busman hew one lossemia? 0 Yee O No If 'fa ma Si. Pleeleel islormase ones legitimist (I now wen am In Mare bake. be SIMI der mat. Mall other lacations: Sane la. UM Crown Om MOWN St Thomas, VI 00802 c 6091 Norte Gees St Thome Vi COM D 9002 Hevensight Shop Ste D St MOMS', VI 00002 6. 3841.2 8 374% Dionninterne Gade St Thomas. VI G0802 CONFIDENTIAL Peps I ce SONY_GM_000 13824 CONFIDENTIAL FirstBankPR000987 fif:Th_00124467 EFTA01269634 IL"a Use area hen et efieNsfola Wager* WIMS101404• Monday, Ft* 04 It men the einem Oka employees of so locations if mow than one. 120 20. How teeny *moons* de you see on pmnisse on me location? 20 —_-- 21. If member of emelt/wee 441 prwnSn le nee IN same a the total number a employee, *sown. Sore employees are oft cc vacation, bald% a tweak. working in other department etc 22. Meats the corporation's opened," Including preclude and services oiler. Product Name leduley Markel Shwa Compote°, Man 7, of SON Jewelry Jeweey JeweiryStores 3S1S_ _ _ Watches Jewelry jewelry Store! 30% Keep Sakai Sawa Other *suits! MOP* --MS 23. Inventory Visible? 21 Yrn O No if Yee, Omuta, MIMS/ frollbe lesiribTani OD OP albahmek Slow cases of Jewelry. Watches. Keepea1/4et key dams. Charms 24. Deecnbe customer traffic or activity Oblef red during visit High volume of customer traffic. It Is located right on Man Street where tourists and locals are deify. 20. Suppliers Name. Nemo Cowers %d COGS rtainfewi two Palmed TOM IL Teo Heuer Switzerland Card. Cask b. Bunting Switzerland C. Movado Seitzerland 7/1. Cusealiwes Name. Mime Canto % of Salem Priem! Terre 0 lei. USA 25% Cheat Cash,Ceree ii. Tourists Ali 70% Cash the*s. ceps 0 SiaYl V0 IBA 5% / Z. Related Companies V. Sutekileds. Mosby Typed Santee- %Owned. "WON lea_ Jewoky Store 100% - __ — 211. AIRS. Tyra deaths SUAluet. - N/A Client's Baling Relationship 20. RolalkeeMp. . Great paidOlume LIONINISIM 1.1011111tmor TN* of Neatly Rank WA WA N/A Public Issues a Sea at ,iiirnhikl.,,. Mew- NOWNIMIIIIMI ..ittIPAIWOitairliiit- -,::';41iratiti.'. • N/A NSINfei4a140111 CONFIDENTIAL CONFIDENTIAL Poe. of 3 SDW_GM_000 13825 FirstBankPR000988 EFTA_00 1 24468 EFTA01269635 Account Act/8W tl. Deserts the business antialpead volume of Gunny NUM and nature of account act/. 5 'Pt Estkniess about 3015,003.00. The mesa of the accounte Is checks drawn bun the account, deposits. InoonSig and Outgoing *roe. ACH Debts. more beciebn if moue fl ab her CabeeOui 3.2. Oncialle ars made in erweval wenches? ECI Tee O No It Mis, )Mate Me name of the bands keseore Water Mont. Call Bay 33. Other relsvant observations or Inforrnadon (Ottshigerd mats Po tame dent endadlxviONN Vence fl ea *Oa eatelry Ow errata covbariN moue 04014 None 34. Specify the acmes primary rade arse and describe its pnakety In Salton to to bank branch wore the account is domicile. The primary bade area Is located right on Mtn Street about 2 blocks from the Waterfront bunch where the account is domkile. LS HoldirN Is a big store w* Owe cases ol jewelry and keepsakes. NOTE: 6145..eneu is relatocurevlskisce 9.e Cusbiter km Si Awe cat Nam Whin en scantliFelsOs orIMM &mot WSW Mx qsailN Airecokrif nua tease Denims I x aptly Pa saw, et teams\ ere ears eparlee0 Main MOS se as Deposit Section —Applicable for Annual Melt 36. Indicate the to average monthly deposit anieunt If: se 57,009.00 DEPOSIT DUMAN TM VISIT CURRENT DIFFERENCE 3.89 3 CMOs 5.000.00 %Ceti . _.._ s oven 000.00 it Chess 0.34 _800 t Elcannc rtm Torn (EFT) 605.000.00 tiCintliCats 54.53 , _ _ _____ $ PDS . % FT 41.24 . (W m./ago dense 1±467p00.00 %PCS le) Abing• proem ty comber TOOL 100.00 Difinece: Perattem International Tieussacthins Activity se. otos ins buena expected received sotto orietresse insmstional transecOons. O Yes a tie 0 ewe Sean compere De section inserts Transfer Outgoing Transfer tmcsalinstcuresestusanwor acatakealatleteMOI Were, B moms Ei Prow; Q Diaitkeseatiec O aeon 0 US Wye linds O Niko O Vmetteli O Netteetds Ca MIMIAtie Weds O Bird O Cards O Cite IMP, bete Deltzerlanci Wks kmalttlicouteles Ca LAWS D maws O Vane O ENalel In Saba Eat tie Noose To pry vendors a crOltalktet stpeceS rothei nal 1,1.1 bl • al O Americo D Donna' RIO:at El USW lass O Maim O Pletevires 0 sat Yip bards O Cate. 0 her Switzerland Ilipahtesepor payrmnt for goods Conclusion IL Certification ' D. Om your observations pimp with your expectation, for lee type of beelnsast 0 Ye. O No Muir My observations agree with my eXpiXtatiOns. The business Is tieing run ocCatklitty. LAW Switzeitancl has defiled luxury in the Caribbean for mac than 50 years. With Over 25 stores across the Caribbean region, little SWitzedand offers the most desired col Nylons of designer jewelly and watches including TAG Newts. David Yunnan, Bating. Roberto Coin, Moved°. Omege John Hardy. Chmanl. Pandora, Whiny & Co. and Can* 34. COIICIODIOiwCcorrentiAtomatIon. See 37 above. I PERSONALLY PHYSICALLY CONDUCTED THE ABOVE DESCRIBED PLACE OF BUSINESS VISIT. THE INFORMATION PROVIDED IS AN ACCURATE AND COMPLETE REPRESENTATION OF MY OBSERVATION AT THE PHYSICAL VISIT. I HAVE FOLLOWED THE CUSTOMER IDENTIFICATION DUE DILIGENCE PROCESS TO CONFIRM THE TRUE IDENTITY OF THE CUSTOMER, I HAVE OBTAINED AND REVIEWED AU. REQUIRED INFORMATION AND DOCUMENTS TO JUDGE THAT THE CUSTOMER IS REPUTABLE AND CONMFIRM THAT THE CUSTOMER IS KNOW TO ME no MatadatInfontice nos been iirtleerci ern en awl. My narciproureotionotolorrearke couldbe pounds keeornian• mein entire dimness( FIRSTBANK OFFICE issyteuvestissispi Kyle* Love Nom POINS-141124012 CONFIDENTIAL pags3,..1-5 SONY_GM_000 13826 CONFIDENTIAL FirstBankPR000989 EFTA_00124469 EFTA01269636