EFTA Document EFTA01337869

SONY GM 02771417 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258225 EFTA01337869 ^'1M REACH NATIONAL BAN' & TRUST COMPANY RELATIONSHIP APPROVAL TICKET BR: PB Prepared By: NJB :AIR Name of oRROWER(S) Jeffrey E. Epstein ORIGINAL DATE First Request MAILINGADDRESS 457 Madison Ave. 4th Floor OFFICER H. thy Anderson, Jr. New York, NY 10020 OFFIaR V 1 REFERRING OFFICER Nancy Bruno PHONE LOAN GRADE 3 r AX ID V(S) OBLIGOR NUMBER ItELAten ,m, AORROWERS NAICS CODES :EFJ LAST APPROVAL OWING AS OF 8/1/02 ) 6/21/02 ) r-; +.5% Fixed $25,000 -.<;j8 Annual Fee 5% Fixed JO • ukcl 1153 Vol-D _o ffryX 3 cc' Garr[ /14orris °)1 'TOTALS DESIRED $25,000 $12,468 $60,000 BASIS wed) IRO NES, y E. Epstein ured) INO Mk, E. Epstein 1:.PPROVAL 6121102 Date SDNY_GM027714113 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258226 EFTA01337870 In.{.LM REACH NATIONAL BAN `^ TRUST COMPANY Iry RELATIONSHIP APPROVAL TICKET BR: PB Prepared BY NJB Ain Name of al:Am:mum Jeffrey E. Epstein ORIGINAL DATE First Request MAILING ADDRESS 457 Madison Ave. 4th Floor OFFICER H. Loy Anderson, Jr. New York, NY 10020 OFFICER 0 1 REFERRING OFFICER Nancy Bruno PHONE LOAN GRADE 3 -:rAx ID 0(5) OBLIGOR NUMBER :t11LATED 3!4R ROWERS NAICS CODE 0 ,EFJ dv:t:TE. LAST APPROVAL 8/1/02 ) OWING AS OF ( 6/21/02 ) DESIRED BASIS :I.1.1.5% Fixed $18 Annual Fee • - • :S., • '14.5% Fixed AlleCatiasar• $25,000 trivii53y0-5-D 0 "id ryvisos/Ct Lanni Mort-7-5 crx "rOTALS $12,468 $35,000 $25,000 $25,000 $12,468 $60,000 Visa Business credit card Personally guaranteed by Visa Business credit card Personally guaranteed by (unsecured) INO NES, Jeffrey E. Epstein (unsecured) 1NO Jebc, Jeffrey E. Epstein PPROVAL 6/21/02 Date SDNY_GM_02771419 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258227 EFTA01337871 winIA /Meallltb 11115 rorm rroayced by Equifax I User Reference: ANIsq, Page 1 of 2 Inquiry Infstroation; Date of Inquiry: 06/05/2002 UserlD: ANNL Subject Information: Name: SSN: Epstein, Jeffrey E Current Address: 457 Madison AV New York, NY 10020 Report Results ENH BEACON SCORE: 699 00022/00010/00008 ACCOUNT NOT PAID AS AGREED, PUBLIC RECORD OR COLLECTION AGENCY FILING PROPORTION OP 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, P 0 BOX 740241, ,ATLANTA,GA,30374-0241,800/685-1111 *EPSTEIN,JEFFERY,E SINCE 04/22/77 FAD 05/03/02 457,MADISON,AVE,NEW YORK,NY,I0022,TAPE RPTD 01/99 358,EL BRILLO,WAY,PALM BEACH,FL,33480,TAPE RPTD 08/98 265,E 66TH,ST,NEW YORK,NY,10021,TAPE RPTD 04/98 BDS-01/20/1953,SSS-090-44-3348, SSN VER - Y 01 ES-,SELF EMPLOYED 02 EF-CONSULTING PRES,J EPSTEIN CO,NEW YORK,NY 03 E2-,BEARS STEARNS FN-307 •SUM-02/77-05/02,PR/OI-NO,COLL-YES,FB-NO, ACCTS:11,HC51000-205K, 10-ONES, 1-OTH ER. COLLECTION ITEMS LIST RPTD AMT/BAL DLA/ECOA AGENCY/CLIENT 10/98 12/98 5180 08/98. 465YC93 DRS BUSBUR $180 U IMAGING ASSOCIA STATUS/SERIAL UNPAID 2853977 FIRM / IDENT CODE CS RPTD LIMIT HICR BAL S DLA MR (10-60-90+)MAX/DEL ECOA/ACCOUNT NUMBER OPND P/DUE TERM 24 MONTH HISTORY BKCARD SER•668ON9235 RI 05/02 1000 0 04/02 41 I/541329534000 11/98 CREDIT CARD CHASE NA •4268B3859 111 05/02 18600 0 02/02 28 I/526327100960 03/85 CREDIT CARD CHASE NA •496ON598 RI 05/02 5500 16 05/02 43 1/4305870160 10/98 10 CREDIT CARD BLMD/FDSB •404DC21 RI 03/02 2001 30 I/445507 01/79 --- littps://www.eport.equifax.comiedat/scntlet/com.equifax.gt.edat.uiResultRouter 615/2002 SDNY_GM_02771420 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258228 EFTA01337872 ', HUE 1/1 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 TELEPHONE TELEFAX March 31, 2005 Jeffrey ' Colonial Bank Re: Main acc"ntl#: VIA FACSIMILE: Please make the fqllo g changes to the above main account number: • Add a new card r William G. Hammond with a credit limit of $2,500 Social Security # • Reduce Larry rrison credit limit to $2,500. If you have any qi}estio feel free to contact me at the above number. you, SDNY_GM_01/71411 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258229 EFTA01337873 Visa'Business Card Regula —%ns ethar-v tor/ siesta Gerna"' i mall PALM BEACH NATIONAL BANK & TRUST COMPANY 3931 RCA Blvd Suite 3102 Palm Beach Gardens, FL 33410 The Undersigned Holder a,, es to the following terms Dated this 7 day of I. Agreement. These regulations govern the possession and use of VISA Business Cards ("cant) issued by Palm Beath National Bank & Trust Co. ("lima"). 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 terms contains on the cards, any sales drafts, credit adjustment memos or cash advance drafts signed by or given to Holder or any Audionzed User. The provisions of these regulations, as they may be amended lions time to time as provided in these regulation, govern Holders obligations. notwithstanding any addition' or Matfett terms contained in the cards, sales drafts, credit adjustment memos and cash advance drafts or any other documents evidencing an accomm transaction. Holder authorizes an investigation of its credit sanding prior to the issuance of cads and at any time thereafter, and authorizes disclosure of information to third parties relating to its credit Handing 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 andke their respective contractors for the purposes of providing such services. 2. Membership. A norniefuridabit 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. Credo for purchases from a merchant or cash advances front a punctuating financial Monahan may be obtained by presenting the card to the merchant m participating financial institution, and, if requested, by providing the proper identifying information and signing the appropriate drafts. Failure to sign a draft does not relieve the Holder of liability for purchases made or cash received. The card may abo 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 p aaaaa as may be &idled. Except as provided below with respect to Holders liability for unauthonzed use where US= 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 at Holders request for charges that occur before Issuer receives notification orally or in smiting of loss, theft or possible unauthorized use of a card or PIN If Issuer has issued ten (10) or mole cards at Holders request, Holder will be liable for any and all unauthorized ute of a card. Unauthorized use is any use by an individual other than an Authorized User If without the knowledge or consent of the Holder. Any use of the card or PIN by an Authonzed User, or by any oche: with the knowledge m 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. P.O. Box I 1 I I, Madison, WI 53701.1111, Telephone (608)8294100 or 1-8004214920. 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 ot by anyone authorized to use the cards 5. 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 51.00 or more. The full amount billed ("New 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, shalt be paid within 25 days alter the Closing Date of that billing statement. Payments must be made at BaakCard Center, Milwaukee, Wisconsin, 53288- 0200. Payments made at any other location nay 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 mm any nonthanking day will be considered as payments made on the following banking day. All payments will be applied tint 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 ttttt num. menu.* as computed by applying the monody notedly ride sr 1.208% (ANNUAL PERCENTAGE RATE OF 143%) to the average daily balance of the account. To get the avenge daily balance, we take the beginning balance of the account each day, add any new cash advances, credit purchases and other charges, and subnct any payments or credits, unpaid late charges, unpaid niembership fees and other unpaid fees. This gives us the daily balance. and conditions: , 7 e01 E EE7- I f•J C • Name of Holder (N f Corporation, Partnership, Proprietorship) By: Authori ed Sig to Title 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 Sallies on credit purchases beginning on die date the purchase is muted 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 front the ululation of average daily balance if the Previous Balance shown on the front of the statement is paid in full prior to the Closing Date. Interest on cash advances begins to acc.uc on the date the advance is posted to the account. Additional interest on an account may be avoided by paying in full the New Wiens shown on the account's monthly statement within 25 days after the Closing Date for that statement. 7: Additional Fees. Each account shall be subject to the following addi. trona' fees: (I ) S25 late charge if any minimum payment is not paid in full on or before the due date shown on the monthly statement issued immediately after the monthly statement en which the unpaid minimum payment first appears; (2) SIO for each cash advance; (3) 55 for replacement of a card; arid (4) reasonable charges according to the that current fee schedule for additional copies of monthly statements, drafts arid receipts requested. Fees imposed will be posted to the account. 8. Foreign Transactions. If a Holder's card is used to effect a transaction in a foreign currency, the mansaction 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 m the wholesale exchange rate, in effect one day before the date of the convasion, as applicable. The exchange rate is increased by 1% if the conversions made in connection with a charge to an account and decreased by 1% if the conversion is made in connection with a credit to an account. The date of conversion by VISA may differ from the purchase dale 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 perusal by any nit:chant, limn. cal institution or automated equipment to honor or accept a caid. Issuer ims 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 cannily with these rey,ula: MKS and not to permit an event of default to occur. Holder further covenants not to uke any action or permit any client to occur which materially impairs lkider's ability to pay when due. Upon the occurrence of any one or more bf the following events of default; (a) Holder fails to pay al least the Minimum Payment what due; (b) Holder dies, ceases to exist, changes residency to another state, becomes insolvent or the subject of bankruptcy or insolvency proceedings; (cl Holder fails to observe any covenant or duty contained in these regulations; (d) any item in any financial suctrient delivered by Holder to issuer is false in any material respect when given: or (c) 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 alt emu of collection before and after judgment, including reasonable attorneys' fees (including those incurred in successful defense or settlement of any counterclaim brought by Holder or incident to any action cr proceeding involving 11nIder brought pursuant to the United States Bankruptcy Code). II. Right of Setoff. Issuer has the right of setoff agents' any deposit account Holder maintains with Issuer to satisfy any obligation of Holder to issuer. 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 Holder's obligations as to any balances m 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. Holders privileges to use the cards nay be revoked or limited by Issuer to the extent not prohibited by law. The cads are and shall rennin the property of Issuer and Holder agrees to surrender them to Issuer upon demand. I Wider agrees to notify issuer immediately of any cancellation of an Authorized User's changing privileges. Holder shall return to Issuer any cards issued to Authorized Users whose privileges have been terminated. 13. Amendments. Issuer nay amend these regulation aid may amend the charge terms from time to time arid 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 IS days poor to its effective date, or as otherwise required by law. Invalidity of any provision of these regulation( shall not Weer the validity of any other provisions. le. Governing Law. Holder agrees to be governed by Florida law with respect to all aspects of the transactions ansing under these regulations. !times 993001 REVISED069d SON Y_Eitul_02TT1022 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258230 EFTA01337874 BUS-NESS CARD APPLICALiON PALM BEACH NATIONAL BANK & TRUST CO. BRANCH PHONE X ..OMPANY NAME: NATURE OF BUSINESS: INDICATE TITLE DESIRED ON CARD: 00 0 00000000000 (LIMITED TO 24 SPACES) BILLING ADDR 7 ninbiso5R7g._ cio 140O okii.. Cr: STATE: ZIP CODE: NY /00JZ e — TYPE .OF ORGA IZATION (PLEASE CHECK): DATE BUSINESS ESTABLISHED: TAX ID NUMBER: VE CORPORATION 0 PARTNERSHIP 0 PROPRIETORSHIP PROVIDE NAME O CONTACT PERSON: `dal. . NJ PHONE NUMBER: 5 o PRINCIPALS/OWNERS WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNTIS). PLEASE SIGN BELOW AND ON REVERSE SIDE. INDIVIDUAL INFORMATION MUST BE PROVIDED ON ALL GUARANTORS. • .UARANTOR I: FIRST HUMBER: ADDRESS: MIDDLE INITIAL LAST )(mi STREET :c 3St &kr-. P.REVIOUS ADDRESS: 4'r W /41 STREET: CeSereini APT N: CITY: STATE: V TIME AT A0D73: A N; CITY: e ilk..--.- ISCA-c si Fa- 3 3/KO STATE: ZIP CODE: TIME AT ADDRESS: pCODE: DATE OF BIRTH : SOCIAL SECURITY OWN OR RENT: 04, 00 POSITIONXITHrt COMIPANY: e.c -- • GUARANTOR 2: FIRST MIDDLE INITIAL LAST DATEOF BIRTH: SOCIAL SECURITY NUMBER: MONTHLY PAYMENTS: GROSS ANNUAL INCOME: HOME PHONE NUMBER: % OWNERSHIP: TIME IN BUSIN HOME ADDRESS: STREET: AM: CITY: STATE: ZIP CODE: TIME AT ADDRESS: PREVIOUS ADDRESS: STREET: APT CITY: STATE: ZIP CODE: TIME AT ADDRESS: es. OWN OR RENT: MONTHLY PAYMENTS: GROSS ANNUAL INCOME: HOME PHONE NUMBER: I' OSITION WITH COMPANY: % OWNERSHIP: TIME IN BUSINESS: OFFICE PHONE BANK TYPE OF ACCOUNT IF LOAN-SECURED OR UNSECURED ACCOUNT NUMBER AVERAGE BALANCE I'alm Bch Nat'l Bank & Iron Comp. Business Checking— _ ..") ' S LIST THE NAMES OF ALL AUTHORIZED SIGNERS TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS USE. NAME (PRINT) Dgvilubr. Fobeca. S LOST YsSelK/ LA? -e-1 f1DtRccorJ SIGNATURE rpc.ttC0 LIMIT REQUEST (0 .000 1O1 060 S a 10 0 TOTAL LIMIT REQUESTED S BILLING OPTIONS: IF REQUESTING MORE THAN ONE ACCOUNT, PLEASE CHOOSE AN OPTION: 0 INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH WONECONSOUDATED MONTHLY BILLING STATEMENT CASH ADVANCE ACCESS CAPABILITY: 0 YES NO AT QUALIFIED AUTOMATIC TELLER MACHINES: 0 YES 5NO ANY BUSINESS CARD ACCOUNTS CURRENTLY HELD WITH THIS DANK% O YES 0 NO ACCOUNTS Applicant represents that this information is true and eariplac. and authorisers the creditor to verify the information and obtain additional information concerning Company's credit standing, and to fumtsh such credit information to others. Company agrees to be bound by and obligated according to the creditors regulations. Applicant re-prangs and wanants that the credit will be used primarily (50% or moral for other than personal, family household or agricultural pupates. Applicant understands that this representation is to confirm that no disclosures arc required under the Federal Truth-in.Lending law. Applicant requests establislinat of an account (or each authorized ma designated above or on the attached list, as may be amended in writing tram 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 autholizol user until the creditor is notified 14 the contrary in writing by the Coirgany. "APPLICANT SIGNATURE: MUNI NAME: :X DATE: CORPORATE TITLE: DTI SDNY_GM_02771423 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_0O25 823 I EFTA01337875 If OK applicant '. the Meow' is approved, then the following Guaranty will be effective If the application for the &coma a not approved, dies the following Guaranty is null and void CONTINUING UNLIMITED GUARANTY. Foe good ad valuable consideratroo, and for the porposerstif inducing Palm Beach National Butt & Trust Company (- Bank") to tumid, make, rem*, modify mad or continue toaster-0. nuke, renew a modify the BLISinCSS Credit Card Account of ElpC 1aad '- "Borrower) the undamped Guarantor (jointly and .evenly. if mole than one. 'Guarantor") abaoluiely sad uncronditionaRy guaranies and pronses to pay to Bade or its order, on demand, in lawfully obtained legal lender or the United Sures of America, the Accown indebtedness of the Deanne! to Bank on the tarns aid conditions Set krill in this Coarsely. Coke Nis Guaranty, the kabala), of Garai/AI IS unlinctoi and the oblige DOM of Guarantor are coratimmag. NATURE OF GUARANTY. Giuramorca liability under ibis Guaranty shall be open and CosiOnacss{ for to tang as this Guaranty mourns in fora. Guaranioe wands ao goaranwe ar all times de performance and pow papaws when due, whether al nutinty a earlier by masa, of aceekration or otherwise. of all Account indebtedness ACCOrtlangly. m payment' Oink upon the ACtOtnit indebtedness will discharge or Mannish the COlinilung IubiWy of Connote iu connection with any renaming portions of the Account indebtedness or any of die Account indebtedness which subsemaurly anses a is Manna trusted ur contacted. This is ate a special pararity. ()ORATION Of GUARANTY. This Guaranty will take effect win received by Bank without the nattsity of any aeCeplariCt by Bank, or any sage to Guarantor or the Diainess, ad will sternum la full force ;mil all ACcOuni ilidcbtedinst intoned or contracied before rump by Baal Many Notice of revocation shall have been fully and fully paid and satisfied ad all other seslIgatioln of Guarantor ander this Guaranty shall ban been parboiled is foll. If Guarantor eked to revoke this Guaranty. Guarantor may only do 50 in %%faint Warren fect)fatiOn of this Guaranty will apply only to advances or new Account indebtalness created after actual meld. by Dank of GUaratinert urines revexamm. This Guaranty and Gramma% obligations hereunder cellular fully enforceable Irrespective of any clam. defense or counterclaim which borrower rosy assert On Ole Account ' dablednen. Including but sot limited to failing of coloWcration, breath of warranty, payment statute of frauds, statute of dmitallOnl. accord and satillaction, and usury, saint of Akh Guarantor Mreby waive, along with any standing by Guarantee to amen any saW (Idea de Emu or counter claim r;UARANTOR'S AUTHORIZATION TO PALM BEACH NATIONAL BANK & TRUST COMPANY. Gram ma authorizes Bank. either before a alter any revocation hereof. without notice or Jenard mad without lemmas: Guarantor's liability under OM Coarsely. from time to time to alter. supplement, compromise. modify, renew, emend, termlasie, accelerate, waive or otherwise change an. or more limes the time for paymeat or ether terms, cowdirions. or proviskins of the Account. GUARANTOR'S ibErliESENTATIONS AND WARRANTIES. Orsini:or represent, and warrants so Dank 00 (a) no represcocutions or a pterrnals of any tend have beat nude ha Gamma which would linen or qualify in any way the wont of this Grammy. ft.) G unman has. to its own satisfaction iidepeodiently investigated (and relies arichaively one (i) llonowces credit history: (d) Borrowers payment history with Bank, any, and (iii) Bonowers past anneal, an) projected thiancial condition; Ic) Upon Bank's realest Guarantor will provide to Bank financial and credit infontotion in form 'capable to Baia and (d) Guarantor has established *damning swam of obtaining from Borrower on a continuing basis infornallsOn repwda,g Borrowers financial aordinoes. Guarantor agrees to keep adequately infomied from sigh means of any act, events, a Orcucintaides ottieb ought in any way affect Guarantor's risks under Nu Granary, and Gamma farther agrees that &bums 'coma for infonimion, Bank shall have no obliganoal0 disclose toGuanntor any information or documents acquired by (tank en the course of is relationship with Borrower. GUARANTOR'S WAIVERS Etter a rabsbned by applicable law, Guarantor waives any right to require Bank (a) to make any pressmirtitt. pram, de nand. or notice of any kind, rechding notice of my nonpayment of Ma Account iodebtechun a nonce of any scone or nOuiCtiOn on tin part of Borrower or (b) to retort for pajama or to proceed directly or at once against say person. including Borrower a my other Guarantor. :Goan a hereafter Borrower slug be a become insolvent. Guarantor !smithy forever waives sad relinquishes in favor of Bank and Borrower. AM than respective successors. any claim right or Newly to payment Gialran101 May law MK or arcane, have oe uquict against Borrower 1101 arises hereunder arad/oa performance by any powder incluslang without hourlong any claim. Innerly or right of Stiteogadoe. reimbursement. enomentmon, inclemnificarion oe panicipatiat us my claim right or remedy of Oat *pion Barone, whether or not such elan right or remedy wises on equity, under contract stain.. conumo law or ethanol's. by subrogation a otherwise. so that at no chit shall Guanines' be or bemire a "creator" of Borrower walla the meaning of I U 5C. Section 547(b). Or any Smatter provision of the Federal bankruptcy him. Guarantor also waives any and all rights or defenses aiming by reason of any election of remedies by Bank which destroys or otherwise adversely affects Guarantor's subrogaimt rights or Gnarantrar'S rights to proceed apnea Borrower for reimbursement including without firminatiort any loss of rights Guarantor may suffer by mama of any law Iwuhllg, qualiflng. a discharging the isiCOUllindeNecloeu. If payment es made by Borrower. whether voluntarily or otherwise, a by any third party. oa du nepotist indebtedoess and thereafter Bank u forced to remit the an punt of St payment to Doff Owet'S tame. in bankrupicy or to any similar person under any federal or state bankruptcy law a law (or the relief of debtors, to Indebtedness shall be considered unpad for purpose of enforcement of this Guaranty. This provision shall swain tamiumein of this Guaranty. BIGHT OF SETOFF. Guarantor authorizes Bail, to rheumen permitted by applicable law, to charge, withdraw or setoff all tuna owing on tie Account againsi any and all he accounts xl forth below in she Attenuant section *alma pnor &nand ce mace toGuarantor. ACCOUNTS. Accounts shall include all Guaramor's deposits. accounts (whether checking savings, or some other aecount) or semantics now or hereafter in the possession of or Oct deposit with Bank or with any Bank's affiliate or subsidiary including without limitation all meows held jointly with someone else and all accounts Guarantor may open hi the future, aschlium& however, all IRA, Keogh and trust accounts. MISCELLANEOUS PROVISIONS The following miscellaneous provisions arc a pia *Mrs OW/00 r Amendments. This Guaranty COeldries he entire mwellerstarding and agreement of Ike panes as to de Millers set forth in this Guaranty and mammas all prior usukatanding and coatspinaknice. oral or sinners. cash rtspc‘i to Pic Subject Muter berof No attention of or amendaart to this Guaranty shall be effective Wm given air writing and signed by the party of panes sought to be charged or bound by the siltation or amendmeta 'a.ppileable Lan. This Guaranty shall be governed by and construed in accordance Toth ihe laws of the sum where die Issuing Bank referenced above nOsOlailli its priocipsl office. 'A nor ney's fee; Eapenses. Gianni*/ agrees to pay Won demand all of Clank's cots and expenses. including reasonable attorney's fees arid Baok's legal elapses. at tined nth OsiesttliOn with time Account or Me enlacement of this Crummy. WI may pay someone cite 10 kelp enlace obis Guaranty amid Guarantor shill pay the cost and gamma of such enforcement Cosa and gammas :Maude Bank's reasonable attorneys' fees sad legal camases windier or not awe is a lawsun, for bankruptcy proceedings (and including efforts to modify or vacate any InnOinaliC stay of tomixtrool. appeals. and any antemord post.judgment collection services. Guaramor also shall pay aU corm costs and such additional fees as may be directed by the court lourpreation. In all case% where 'Isere it roan Iliac oat Borrower or Guarantor, hen all words used in this Guaranty in the singular shall be deemed to have been mad in the plural wham the Ammar and constructiou s0 require, and ware there is mote than Ore Borrower named lu chit Guaranty of when dit Guaranty it tAteUttO by mare than One Gar mad. lbe words Borrower aid 7:tuaraseor respectively shall Mali all and any one a them The words "Guarantee: 'Borrower.' ad"Dank.'imitate the bang toccatas. aSsreals and triontemaS of each of dent ligapaioo headinp use dus Guaranty art for convenience purposes only and are not to be used to iraerpeet or de roe the provisions of this Guaranty. If a court of ccometenljunsdictran finds any nayisicer of this Guaranty to be invalid or unenforceable as to any person or circumstance, such (Wray shall not reader that provision invalid or unenforceable as to any other persons or ciKkarillanCes, and all provisions of this assay to all other respects shall remain valid and miforceabk Waiver Dam/ shall inn be deemed to have waived any rights wider this Granary Wks such waiver is groan in writing and signed by Bank. No delay or equation ou the part of liana hi exec aims mmy right shall operate as a waiver of such right or any ocher right. A waiver by Bank of a provision of this Guaranty shall not prejudice or coratitutc a waiver of Bank's right otherwise redound mist cormlunce with ihal provision or any other provision of this Guaranty No poor waiver by Dank. 'ion any comma of dealing between Bait and Giutanior, shall onstirvie a amt.' of any of Bank's rights or of any of Gramme's obligations as to any Uwe transactioas. Whatever the consent of Dag is required odder this Guaranty, time granting of such consent by Bank in any nuance shall tIOICONOISIt continuing consent to subsequem ItliStIOCtS where such cancan is required and in all cases such consent may be panted or withheld in the sole ditermionof Bank. There are costs amociared malt nn use of dm credit card. For specific infomotion regarding Me costs, please write us at Palm Desch Nathan Ball & Trust Company, PO Box 14218, Noah Palm Beach. Florida 13408 or call us at 561-624.1)6). The undenoigileJ [Caulk% that ill Ila4COICOtt to 11113 Apphcation ad on each documera required to be submitted um C0JOttliOn herewith, islwhng federal incase tat ItnurO. arc Inc. correct aid coarylew. The mutersigned authafire3 Palm Beach National Bank & ToastCompany ,o rely upon such tiaSTMenth Anse the h ICKOJIICS, and gather such information as Palm Beach National Bank & Trust Company deems necessary and reasonalak to verify any information provided to Pabst Beach National Bank & Trust Conpany on dint Application on any such required document, including inquires to Be Internal Revenue Service. business credit mooning and credit bureau agonies and assoCialiOrth and further Autbatirts Palm Beach National Bank & TOM Company. its balding zo input), and affiliates and related write corporations ha exchange this application, the Oformition contained in or submitted with this Application and all banking relationship inforniation with each alter and sail. bushes' credit reporting or credit harms onencks and asiocatioas ;d trediton cf the undenignei TIC isdertipied further agrees to may Palm Drub Won't Pink & 'Pima Compass PeomPity Many material clump in any stair information. the undersigned catifko that bershe has hill authority to act on behalf of Applicant In connection with this credal ottani rACII UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS TERMS. CDAftANTOR NAME PRINTED 1 SIGNA7UR. DATE 4:i r ncitel) CPS i t 2, Please deliver your compkied application along with the required documents to your Patin Beach National Bank fr Trust Company repesentative for processing. SDNY_GM_02771424 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFIA_00258232 EFTA01337876 Key Policy Exceptions Credit History Loan-to-Value Ratio Debt-to-Income Ratio Satisfactory Appraisal Debt Service Ratio Personal Guarantees X Financial Statement/ApplicationfTax Returns Constr. Loan Ratios Appropriate Terms/Amortization No Policy Exceptions an Of r Initials Closing Requirements No Termite/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 MINIMUM kAyg OUT OF DEBT: 1999-2W 1998-1999 ACCOUNT TYPE DIRECT RELATED TOTAL Avg. Col 1 ec Lend. Sat. Avg. Col lec Lend. Bal. Avg. Collected DIM 0 0 0 0 0 ..._ Money Market 0 0 0 0 0 Time 0 0 0 0 0 Savings 0 0 0 0 0 Total 0 0 0 0 0 Profitability Average ( Months) $ 'SUMMARY OF BANKING RELATIONSHIP: (date opened, account numbers, related accounts, etc.) ACCT/$ DATE OPENED ALB t „ Mar-91 $ 5,512 Mar-91 $ 87,143 Jan-94 ,VMHINdi is II% tl(sO Oct-97 $ 4,866 Jan-01 $ 54,533 Aug-99 $ 113.800 FEES PAID LOAN __.. IN CASH FINANCE PROCEED OTHER: `?,IAN FEE :3C STAMPS - iTANGIBLE TAX . : 'EN FEES :CC FILINGS INTEREST ''THER: SIGNERS & TITLE: CHECK a ACCT # WIRE OTHER: 'NYMENT METHOD: COUPON BILLING X AUTO CHARGE :!`AN DATE: TBD FIRST PAYMENT DATE: Standard ;,.. FE DOCUMENTS NEEDED: TBD ACM SDNY_GM_02771425 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258233 EFTA01337877 - IRAs rutin rroouccia Dy hqutfax I User Reference: AND-TL Page 2 of 2 CHARGE HSBC BANK *1008B53 R1 04/01 8300 0 04/00 53 I/521531700129 10/96 PAID ACCOUNT/ZERO BALANCE ACCOUNT CLOSED BY CREDIT GRANTOR STBC CLASS'447ON17753 RI 05/94 2000 0 17 I/583029 04/91 REVOLVING TOTALS 27101 10300 16 10 AMEX *4028848257 O1 04/02 -- 181K 32214 04/02 I/-006430063018384481 02/77 CREDIT CARD AMEX '4028848257 O1 04/02 --- 205K 94724 04/02 01 I/-006430063018336622 10/77 CREDIT CARD AMEX *4028848257 O1 04/02 --- 23439 16386 04/02 01 I/-006430061018316341 10/00 CREDIT CARD AMEX '4028848257 O1 04/02 --- 15400 0 03/02 31 I/-006430063018358391 06/77 CREDIT CARD OPEN TOTALS --- 424839 143324 1 . . GRAND TOTALS 27101 435139 143340 10 CHASE NA *426B83859 11/98 --- 06/97 526327100939 03/85 LOST OR STOLEN CARD CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT 'INQS-INFOLINK 6082803120 01/03/02 PBNATBK&TR 4658819416 09/18/01 PBNATBK&TR 465B519416 08/21/01 TAMINSPEC 496I200338 07/10/01 END OF REPORT EQUIFAX AND AFFILIATES 06/05/02 hups://www epon.equifax.com/edat/servlet/com.equifax.gtedatui.ResultRouter SAFESCANNED 6/5/2002 SDNY_GA4_02771426 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258234 EFTA01337878 CUSTOMER PROFILE - BALANCE SUMMARY NEXT = PAGE 1 06/05/02 08:31:46 BANK 534 COST CUST NAME JEFFREY E EPSTEIN 457 MADISON AVE 4TH FL NEW YORK NY 10020 REMARKS HISTORICAL INFO STATUS OPEN TAX ID DATE OPENED 03-08-1991 HOME PHONE DATE CLOSED BUS PHONE BRANCH PALM BEACH OFFICE PRIM OFFICER H LOY ANDERSON COST CENTER 0000200 SEC OFFICER DOROTHY WILSON BIRTH BNK APPL ACCOUNT NUMBER S OPEN P RELATION CDTYP BALANCE SRA 534 CC 5413295340001631 O 11-98 P AUTH SIGN 979 534 DP 00110003094 O 03-91 P SOLE OWNE N 015 5,933 N • 534 DP 00110003162 0 03-91 P SOLE OWNE N 015 102,491 N • 534 DP 00110019191 0 01-94 P SOLE OWNE M 014 1,794,477 N • 534 DP 00110097453 O 10-97 P SOLE OWNE N 015 4,816 N * 534 DP 00110132758 0 31-01 S AUTH SIGN D 075 12,715 N * 534 DP 07166030107 0 08-99 P SOLE OWNE C 028 114,530 N * 534 HH 0009230000122560 0 09-00 P HR RELATE CIC3209 - PRESS PA1 FOR NEXT PAGE OR USE OPERATOR LOGICAL PAGING COMMANDS SONY_GM_02771427 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258235 EFTA01337879 ..... £N$.141KY TRIAL BALANCE 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 BAL: AVAIL SCHEDULE: 001 S 090-44-3348 ESCBAL: .00 INQL 0 0 202 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 UAF 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 SDNY_GM_027 71428 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258236 EFTA01337880 rILLVUIVI ..NVU1RY TRIAL BALANCE ACCOUNT: :RY: 202 SEARCH: NAME: EPSTEIN J HHOLD NOW ACCOUNT 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 S 'AVG BAL: CONS OD: 0 LAST CONTACT: 06-20-02 UAF EXCEP TERM: RELATED LEDO BAL: AVAIL SCHEDULE: 001 TIN: S 090-44-3348 ESCBAL: .00 0 0 STOP PAY ON THIS ACCOUNT Jj 5 •: OPEN DATE: 03-14-1991 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 14:07:42 06/21/02 AUTHORITY: 0 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: .00 CLSE BAL:238,228.58 ACTION CODE: LAST OD/NSF: 06-12-02 AVL EXCPN PLAN: 000 MARKET: 0000 0 SDNY_GM_02771429 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258237 EFTA01337881 ACCOUNT: INQL? NAME: EPSTEIN JE BRANCH: 2 TYPE ACCT: 014 STATUS: DATE LST TRAN: 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 S AVG BAL: CONS OD: 0 LAST CONTACT: 06-19-02 UAF EXCEP TERM: RELATED LEDG BAL: AVAIL SCHEDULE: 001 TIN: S 090-44-3348 ESCBAL: .00 0 0 1KIAL BALANCE 3: 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 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 HAL:5,067,732.25 ACTION CODE: LAST OD/NSF: 00-00-00 AVL EXCPN PLAN: 000 MARKET: 0000 0 SDNY_GM_02771430 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258238 EFTA01337882 ACCOUNT: INt - NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 015 STATUS: DATE 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 # DEBITS: ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 02-14-02 UAF EXCEP TERM: RELATED LEDG BAL: AVAIL SCHEDULE: 001 TIN: S 090-44-3348 ESCEAL: .00 0 0 TKIAL 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: SI CREDITS: 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 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 HAL:4,818.17 ACTION CODE: LAST OD/NSF: 04-23-01 AVL EXCPN PLAN: 000 MARKET: 0000 0 SDNY_GM_02771431 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258239 EFTA01337883 JAOAGM ALLUUN1 .ACCOUNT: INCA NAME: JEGE INC 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: 0 RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 TIN: F 51-0405649 E§CBAL: .00 E: NUItilKY TRIAL BALANCE Y: 202 SEARCH: DEMAND DEPOSIT ACCOUNT 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 UAF LIMIT: 99999999999 AVL EXCPN DATE: 00-00-00 POST ACH: Y 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 BAL:12,715.42 ACTION CODE: LAST OD/NSF: 00-00-00 AVL EXCPN PLAN: 000 MARKET: 0000 0 SDNY_GM_02771432 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258240 EFTA01337884 141.4yAms TKIAL BALANCE 14:09:10 ACCOUNT: INQ ZY: 202 SEARCH: AUTHORITY: NAME: EPSTEIN JEFFREY E CERTIFICATE OF DEPOSIT ACCOUNT BRANCH: 2 TYPE ACCT: 028 STATUS: DATE LST TRAM: 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 HAL: CONS OD: 0 LAST CONTACT: 08-24-99 UAF EXCEP TERM: 0 RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 TIN: S 090-44-3348 ESCBAL: .00 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 'DOLLAR HOLD ON 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 SDNY_GM_02771433 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258241 EFTA01337885 Page I/ 1 Nancy...Bruno - Jeffrly Epstein 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 835,000. Now Mr. Epstein has applied for another Visa Business Card for another one of his companies - JEBE, Inc., and is requesting a credit limit of 826,000. 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. SDNY_GM_02771434 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258242 EFTA01337886 I Nabcy..Bruno - RtJeffrey Epstein From: Nancy Bruno To: Girten. Arlene Date: 6/10102 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? Page SDNY_GM_02771435 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258243 EFTA01337887 CREDIT CARD UNDERWRITING WORKSHEET Applicant JeaCrey *It; t4 Es, t.t. c Co-Applicant INCOME: Gross Monthly: Other: Total Income(A) In BANKING: Yes No R (5' Checking Savings Al Other: 0 Established since: Pre EMPLOYMENT (5' Verified on: To Verified with: (B) S divide Visa/Visa Gold MC MC Gold Secured 1.3‘.1511.3CSS Credit Limit: sac. COO. co Referring Branch: Officer No.: Overdraft Protection: Yes No Auto Pay: Yes No Approved By: Date: Approved By: Date: Exceptions to policy: laO -Cletc...anC. tea. -tc-4-e-bnakik-SlikveSt5inCa- or is -tax re+L)r nS Justification: SDNY_GM_02771436 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258244 EFTA01337888 CREDIT CARD UNDERWRITING WORKSHEET Applicant ieCcrey EyeAein Beacon Score t4 es, t- C- Co-Applicant Beacon Score INCOME: Gross Monthly: Other: DEBT: Mortgage/Rent: Equity Line/Loan: Auto Loan: Total Income(A) Installment Pymts: BANKING: Yes No Revolving Pymts: (5% of bal from credit report) Checking Savings Alimony/Child Support: Other: Other: Established since: Proposed Payment: EMPLOYMENT (5% of credit limit) Verified on: Total Expenses(B) Verified with: (B) $ divided by (A) $ n Visa Visa Gold MC / MC Gold Secured 00.51 °MSS .., ,. .3. .- Credit Limit: $ 04 A OOO . °° Referring Branch: Officer No.: Overdraft Protection: Yes No Auto Pay: Yes No Approved By: Date: Approved By: Date: Exceptions to policy: 00 -CI no-tAC Skra.-tebne-v*S 0 r bey s_S re4 -Lw n S Justification: SONY_GM_02771437 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258245 EFTA01337889 V/SAMSINESS CREDIT CARD AI - .:ICATION CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH F REFERRED BY: C0:,1PANy APPLICANT COMPANY NAME: NES ,LLC NATURE (TYPE) OF THE BUSINESS: Real Estate INDICATE TITLE DESIRED ON THE CARD: (I IMITED TO 21 SPACES) EARECIEJOg-00000000000000000 BILLING ADDRESS: STREET CITY: STATE: ZIP CODE: 9 East 71st Street New York New TYPE OF ORGANIZATION (PLEASE CHECK):LLC DATE BUSINESS ESTABLISHED: FICORPORATION rIPARTNFRSHIP 11PROPRIFTORSHIP NAME OF CONTACT PERSON: C fns York 10021 FEDERAL EIN NUMBER: UMBER: OWNER(S)/OFFICER(S)/PARTNER(S) WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). GUARANTOR(S) MUST COMPLETE THIS SECTION AND SIGN AT THE BOTTOM OF THE REVERSE SIDE OF THIS APPLICATION. GUARANTOR 1: FIRST NAME MIDDLE INITIAL LAST NAME Jeffrey E. Epstein RESIDENTIAL ADDRESS: 15B Fl Brillo Way STREET: DATE OF BIRTH SOCIAL SECURITY NUMBER 1/20/51 APT#: CITY: STATE: ZIFyCODE: YEARS AT ADDRESS Palm Beach, Fl 33486 10 OWNERSHIP STATUS: SOWN ORFNT FIOTHER. POSITION WITH COMPANY: Sole Member MONTHLY MORTGAGEJRENTAL PAYMENT HOME TELEPHONE NUMBER n /a S ( 1 % OF OWNERSHIP TIME WITH COMPANY: 100 3 y rs GUARANTOR 2: FIRST NAME MIDDLE INITIAL LAST NAME DATE OF BIRTH SOCIAL SECURITY NUMBER RESIDENTIAL ADDRESS: STREET: APTF: CITY: STATE: ZIP CODE: YEARS AT ADDRESS OWNERSHIP STATUS: nowN [TRENT FIOTHER• POSITION WITH COMPANY: MONTHLY MORTGAGE/RENTAL PAYMENT HOME TELEPHONE NUMBER S I 1 % OF OWNERSHIP TIME WITH COMPANY: OFFICE TELEPHONE NUMBER 3. BANKING & 01 HLR CREDIT CARD RELATIONSHIPS PRIMARY BANK Chase Bank OTHER BANK: Palm Beach Bank AMERICAN EXPRESS CORPORATE CARD? OYES ONO VISA BUSINESS OR CORPORATE CARD? PYFS nNo MASTERCARD BUSINESS OR CORPORATE CARD? OYES ONO BUSINESS CHECKING ACCOUNT SI OTHER ACCOUNTS °LOAN °SAVINGS ACCT DCREDIT CARD TYPE(S)OFACCOUNT(S): Personal account of Guarantor DQIFCKING ACCOUNT DI OAN °SAVINGS ACCOUNT °CREDIT CARD ACCOUNT NUMBER: DATE OPENED: BALANCE: S DATE OPENED: BALANCE: ACCOUNT NUMBER: ACCOUNT NUMBER: DATE OPENED: S BALANCE: S AUTHORIZED iNDIVIDUAL CARDHOLDER(S) LIST THE NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES: NAME (PRINT) SOCIAL SECURITY ti SIGNATURE CASH ADVANCE ACCESS? CREDIT LIMIT DYES ION° $ 10.000.00 DYES >ONO 1 10,000.00 OYES 'ONO S S nno on DYES ONO TOTAL CORPORATE CREDIT LIMIT REQUESTED: S 5. brIONE CONSOLIDATED MONTHLY STATEMENT BILLING OPTIONS UINDIVIDUAL ACCOUNTS BILLET) SEPARATELY EACH MONTH °STANDARD QUARTERLY REPORTS PACKAGE °ENHANCED REPORTS PACKAGE OPTION (CALL US FOR DETAILS) 6 Appian( represents that dis Inlormation U True and compel. and suticelzas matt to vardyers In:awoke and obtain /Salons' Informatics, concaning company's avid sussing. and io.fumish such crept inlormellon Ia grim Company agrees lo bs bound by and °Oslod accorang lo Ms creditor's VISA Business Card Reguladorts. Applicant represents end warrants dud the crmill card account will be U.S primarily (50% or more) for *Mar than parsonal, family household a apricubural purposes. Applicant understands that this representation is to confirm that no discloeurm are requked under the Federal Truth.M.LanclIng law. SIGN/. TURF APOicani rowed, miebrislimere of an account for each Each such oselonsicel person is an mAhorital uses s have Ia IAA Inv account designated lot such aultawizad Yaw sal In. awake Is notified to the Conan Si witting by the Company. Of VS designated above or on the attached ask M My 00 emencledMwriUnp Nom sane to any by Applicant APPLICANT SIGNATURE: Cti ) \ PRINT NAME: DATE. O/ CORPORATE TITLE: Vv‘ 8 a- SDNY_GM_0277143/3 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258246 EFTA01337890 V/SiMUSINESS CREDIT CARD A -MLICATION CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH II REFERRED BY: COMPANY APPLICANT COMPANY NAME: NATURE (TYPE) OF THE BUSINESS: m int_ CSM•14-7- INDICATE TITLE DESIRED ON THE CARD: (I IMITFD TO 24 SPACES) CA-T 71 CI-ST.z-cc-r- (\)s-u) iL t N TYPE OF ORGANIZATION (PLEASE CHECK): , DATE OUSINE S ESTABLISHED: 11CORPQRATION rIPARTNERSHIP P1PROCRIETORSHIP NAMEeF CONTACT Pg0N: BILLING ADDRESS: STREET: • IT T: ST ATE: ZIP CODE: /002 i FEDERAL EIN NUMBER: OWNER(S)/OFFICER(S)/PARTNER(S) WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). GUARANTOH(S) MUST COMPLETE THIS SECTION AND SIGN AT THE BOTTOM OF THE REVERSE SIDE OF THIS APPLICATION. GUARANTOR I: FIRST NAME MIDDLE INITIAL LAST NAME DATE F BIR H SOCIAL SECURITY NUMBER E- • E- PSTM iv RESIDENTIAL ADO SS: STREET: APT": CITY: STA E: ZIP CODE: 6-1- a.,, ,„ ,j04,1 OWNERSHIP STATUS: flOTHER: POSITION WITH COMPANY: JOTA. -"re-)r5 W.4 11 3011-C-11- Ft. ?3 IS / C) MONTHLY MORTGAGEJRENT7WMENT HOME TELEPHONE NUMBER % OF r5N i eRSHIP TIM WITH C0 ti rt.c)MpANY: " - GUARANTOR 2: FIRST NAME MIDDLE INITIAL LAST NAME DATE OF BIRTH SOCIAL SECURITY NUMBER RESIDENTIAL ADDRESS: STREET: APT/7: CITY: STATE: ZIP CODE: YEARS AT ADDRESS OWNERSHIP STATUS: MONTHLY MORTGAGE/RENTAL PAYMENT HOME TELEPHONE NUMBER POSITION WITH COMPANY: V. OF OWNERSHIP TIME WITH COMPANY: OFFICE TELEPHONE NUMBER t. BANKING & OTHER CREDIT CARD RELATIONSHIPS PRIMARY BAN BUSINE OTHER ACCOUNTS C' i \ AC C A.. 4 C. lb OAN OASAVINGS ACCT CICREDIT CARD OTHERAANK: TYPE(S) OF ACCOUNT(S): 4"cm-S cm, 4— ti...0J)JTS erCD-0•44m7v.4., .1'A ....t---• teNC-A- --. 4.4k":3 L OWECISINQACCOUNT °LOAN _Old&YEDLACCOUNT OrTworr CARD AMERICAN EXPRESS ACCOUNT NUMBER: CORPORATE CARD? OYES ONO VISA BUSINESS OR ACCOUNT NUMBER: CORPORATE CARD? OYES ONO MASTERCARD BUSINESS OR CORPORATE CARD? OYES ONO .ACCOUNT NUMBER: DATE OPENED: DATE OPENED: BALANCE: DATE OPENED: BALANCE: BALANCE: AUTHORIZED INDIVIDUAL CARDHOLDER(S) LIST THE NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINFSS PURPOSES: NAME (PRINT) SOCIAL SECURITY U SIGNATURE CASH ADVANCE ACCESS? OYES kNO OYES TatIO OYES *10 OYES ONO TOTAL CORPORATE CREDIT LIMIT REQUESTED: $ CREDIT LIMIT $ /0" OCCA On $ OO(9..a 1-570a:Loo 1J ONE CONSOLIDATED MONTHLY STATEMENT °INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH 0 STANDARD QUARTERLY REPORTS PACKAGE OENHANCED REPORTS PACKAGE OPTION (CALL US FOR DETAILS) 6. SIGNATURE App011ff natal met this Womiation Is Inn and compla and ilulhOrani and lo wanly eN Womiellon and obtain addii&d Nionnation concealing Companys owe swats} end lo.turnish such anal inlormalion to news. Company agrees to be bound by end obilgsead scoxdIng to Me creditor% VISA Business Card Reoulallons. AppiklAt apemen% and warrants that the cradll card account will be used primarily (SO% or mom) for other than pimonal, family household or agricultural Applicant aidsnUnde aim this repressaidien Is io cannon nisi no diniesume are 'squired under the Smart' TrumerstAnding law. Applicant 'moons esiablIshmeni d on account tot each ad use abom ix on the angled 1N, es mey be amended in maim Inim linty la doe by Appatani. Each such designated person la an sulk/kid user ham J lo use Ma meow* dasiprosied lot such eulhortzed user Intl In canine Is notified to the canary Inwilling by the Company.. APPLICANT SIGNATURE: DATE: e, /0/ PRINT NAME: CORPORATE TITLE: Pilz -vv‘r SDNY_GM_02771439 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258247 EFTA01337891 Businest Card Regunns Palm Beach. National Bank ,& Trust Co. 3931. RCA. Blvd. Suite 3102 . Pala Beach Gardena, Florida 33410 The undersigned Holder agree. ithe foil° paled th' day of ng terms and conditions: Name of Holder By: Aut ed Sign Tele 1. Agreement. These regulationi govern the possession and use of VISA' Business Cards (learn issued by Issuing Financial Institution (issuer). Each party that applies for .aVISA Business Card is referred to in these regulations as a Helder. Issuer shall establish an account-lor . each person designated by Holder as an authorized user (-Authorized User7). Holder consents and agrees to these regulations and lothe terms 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 from time to time. as provided in these regulations, govern Holder's 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. Holderauthonzes an investigation of its credit standing prior to the issuance of cards and at any . time thereafter, and authorizes disclosure of information to third parties relating to. its a-eat 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 Users personal data 10 VISA USA. Inc. and its member financial institutions and/or their respective contractors for the purposes of providing such services. 2. Membership Fees. A nonrefundable annual membership fee of _ $ 'n/a will be assessed per card for the first • n/a card(s) Issued, _ $ Girt per card if n/a cards are issued...5 per card if _ n/ acards are issued, and 5 nt a issued, per card if nrt‘ A cards are issued. Holder represents that cards will be used exclusively for bUsiness purposes and notiorpe rsonal, family, household or agricueural. purposes. 3. Use of Card. Credit for purchases from a merchant or cash advances . from a participating financial 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. Failure to sign a draft does not relieve the Holder of kabity for pur- chases made or cash received. The card may also be used to obtain cash • .advances from certain automated equipment provided it is used with the correct personal identification number rPlIs7). The amount and frequency . of cash withdrawals may be Iimited..:Except .as provided below with respect -io Holder's liability for unauthorized use whereissuer has issued tent(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 at Holders request for charges that occur before Issuer receives notification orally er in.wilting of loss. theft or possible unauthorized use of a card or PIN. -If Issuer has issued ten (10) or more cards at..Hoiders request, Holder will. be liable for any and all unauthorized use of a card. Unauthorized use is any use by in individual other than Authorized User if without the knowledge- or consent of-the Holder. Any use ol 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 tdissuer by notifying Bankcard :Center, P.O. Box 1111. Madison, WI 53701-till, Telephone (608) 829- 6100 or 1-800-221.5920. Holder shall be liable for all charges, fees and other costs that accrue on each account. 4. Credit Line. Holder will trom lime to time be informed ol the amount of the approved credit :ine under each account established for Holder. and Holder covenants not to make, authorize or allow credit purchases or bor. rowings 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. 5. Payment. Holder will be furnished al the address identified by Holder, a monthly statement for each account for each biking period at the end of .. which there is an 'undisputed debit or credit balance ol $1.00 or more. The lull amount billed (-New Balance') is due on deinand. If Issuer does • not demand payment of the. New Balance onthe monthly biting state- . men!. either (a) the New Balance or. (b) a Minimum Payment at the — greater of $ 20. or 5 % of the New Balance, shall be paid with- - In 25 days'after the Closing Date of that billing statement. Payments must ' be made at Bankcard Center. Milwaukee, Wisconsin, 53288.0200. Payments made at any other location may cause delay in crediting the account. 'Payments received alter 2:00 P.M. on any Monday through / FrIday..but excluding federal legal holidays. or at any time on any non- - banking day wilt be considered as payments made on the lamming bank- ing day. All payments wilt be applied first to interest. second to additional lees, it any, in the .order of their entry to the account, third to previously bitted 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 01 their entry to the account. 6. Finance Charges. Interest Mot accrue an each account as mown 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. Interest is computed by applying the morality periodic — rate of 1.28 v. (ANNUAL PERCENTAGE RATE O,14 . 5 %) to the average daily balance of the account. To get the average daily bal. enc., we take the beginning balance of the account each day, add any new Cash advances. credit purchases and other charges, and subtract 233-106 NW (7/93) any payments or credits, urtpaid late charges, unpaid memoership tees and other unpaid lees. This gives us the daily balance. 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 deity 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 fue prior to the Closing Date. Interest on cash advances begins to accrue 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 for that statement. 7. Additional Fees. Each account shall be subject to the following add- bona) fees: (I) $21,,_ for ran' % late charge if any minimum payment is not paid in full on or before the due date shown on the monthly statement issued immediately after the monthly statement on which the unpaid mini- mum payment first appears: (2) 10 ..Q(;) for each cash advance; (3) $5 for'replacement of a can:I:end (4) reasonable charges according to the then current lee schedule for additional copies of monthly statements, drafts and receipts requested. Fees imposed will be posted to the account. - 8. Foreign Transactions. II a Holders card is used tdefleth a transaction in a foreign currency, the transaction amount will be converted to U.S. dol- lars 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% it the conversion is made In connection with a charge to an account and decreased by 1% if the con- version is made in connection with a credit to an account. The date of con- version-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 convened transaction amounts in accor- dance with the terms of this paragraph. 9. Disputes. Issuer is not responsible for refusal by any merchant. finer). 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 set- tled 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 materi- ally impairs Holder's ability to pay when due. Upon the occurrence ol any one or more of the following events of default: (a) Holder-fails to pay at • least the Minimum Payment when due; (b) Helder des. ceases to exist. changes residency to another state, becomes insolvent or the subject ol bankruptcy or insolvency proceedings; (c) Holder tails to observe any covenant or duty contained in these regulations; (d) any item in any finan- cial 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 lull amount of Holders account shall, at Issuer's option become immediately due and payable. Holder agrees to pay all costs of collection before and after judgment, including reasonable attorneys' lees (including those incurred in successful defense or settle- ment of any counterclaim brought by Holder or incident to any action or pro- ceeding involving Holder brought pursuant to the United States Bankruptcy Code). • 11. -Termination. Holders consent to these regulations may be Terminat- ed at any time by surrendering the cards issued to Holder or at Holders request. Out such termination shall not affect Holder's 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 termi- nated, the privilege to use the cards shall expire co the dale shown on the cards. At any time. without liability to Holder and without affecting Hoider's liability for credit previously extended. Holder's privilege 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 properly of Issuer and Holder agrees to surrender them to Issuer upon demand. Holder agrees to notify Issuer of any .caeceilation of an Authiorizod Users charging privileges. . Holder shad return:I0 Issuer any cards iesUed,lo Authorized Users whose privileges have been terminated. 12. Amendments. Issuer may amend these regulations and may amend the charge terms from time to time and wilt mail to Holder at Holder's last known address as shown on the records of Issuer written notice of any s.ch change not less than IS days prior to its effective date, or as other- wise required by law. invalitfity of any provision of these regulations pies not affect the validity of any other provisions. 13. Governing Law. Holder agrees to be governed by Florida ith asoris wweh respect to all aspects of the transactions arising under these regu- SDNY_GM_02771440 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258248 EFTA01337892 GUARANTY AGREEMENT If the application for the Account Is approved, then the following Guaranty will bo effective. If the application for the Account is not approved, then the following Guaranty is null and void. CCNT iNUING UNLIMITED GUARANTY. For good and valuable Genet:brawl, end for the mem te(s) d Indwing Palm Beach N Meryl Bank 4. Trust Company ('Bank') to extend. make. renew, modify and or corlinue to extend, make. renew or made( the Business Craft Card Amount of Ohs 'Borrower) the tindcregeed Guarretor gene and severelly. tl m re than one. tuellM0e)abSolurely and unconcnonaily guarantees and promises to pay le Bank a its order, on demand. in lawfully obtained legal lender ale Unted States of Amiens. the Account indebtedness of the Borrower to Bank on the terms end condrtiens sat forth in ell Guaranty. under Iles Guaranty. the liability of Gowen*, is unlimited end the oblgalens of Guarantor are contenting NATURE Of GUARANTY. Guarantors la wry under MIS Guaranty OM be Open and continuous for so Imo es ills Guaranty remains In force Guarantor intends to guarantee at sit times the pertormenc• IMO prompt payment wren due. whether et mouthy or saner by AMOR of ecceleralon or otherwise, of all Account Indebtedness. Accordingly, no paymenu mad* upon the Account Indebtedness wit discharge a diminish the continuing lability of Gunflint In 00IIIMICO00 with any remained pogo* of me Account Indebtedness or any of ihe Account indebtedness which sutsequendy Man or Is thereafter incurred or contracted. Ills Is not a special guaranty. DURATION OF GUARANTY. TN. Guaranty vet take effect when received by Bank without the Malik of Wry eccrefdabe by Bank. Or and notice to Gunnies or the Business. and will continue lin lull force until al Account indebtedness entered or contracted berm receipt by Bank of any notice of revocation Oa have been key and MSy paid and satisfied and all other Obligation{ of Guarantor tinder this Guaranty shoe have teen performed in NI. V Guaranbr Peas to revoke this Guaranty. Guarantor may only do so in mend. Written fever-aton of this Guaranty MI apply only to advances or new Account indebtedness mated after aural receipt by Bank of Guarantor's written neyeceeen This Guaranty and Guarantor's Obligations hereunder remains fulty enforceable freespecthre of any claim, defense or counterclaim which Borrower may assert on the Account Indebtedness, Including but not limited to failure of consideration, breach of warranty, payment, statute of frauds, statute of limitations, accord and satisfaclion, end usury, same of which Guarantor hereby waives along with any standing by Guarantor to assert any saki claim. defense or counter claim. GUARANTOR'S AUTHORIZATION TO PALM BEACH NATIONAL BANK & TRUST COMPANY Guarantor authorizes Bank. either before or after any revocation hereof, without notice or demand and without lessening Guarantor's liability untie( MN Guaranty, from time to rem to alter, supplement, compromise muddy, renew, extend, terminate, accelerate, watt,* or otherwise change one or more demo the time for payment or other term,, conditions, or provisions of the Account. GUARANTOR'S REPRESENTATIONS AND WARRANTIES. Guarantor represents and warrant{ to Bonk mar fa) no representalions or agreements ol any kind have teen made to Guarantor which would ante or qualify ci any way the terms of Ms Guaranty; (0) Guarantor has. to is Mn sakslaclion. Independently investigated land relies exclusively on). tii Borrowers aeon history: (il) Borrower's PaTmaill history with Bank, If any. end (iii Borrower's peel. Cbtrant, end probate financial condi*" Upon Bank's request, Guarantor will provide to Bank financial and awn inforrnatIon in term acceptable to Bank and (d) Guarantor has established sdeguate means of obbenlite from Borrower on a continuing basis information meaning Borrower's Mantel concision Guarantor agrees to keep adequately n fanned from such miens of any fact.. events, Or circumstances which might a any way elect Guarantor's nabs under this Guaranty, and Guarantor /either agrees that. absent a remassi fa intonation. Bank shall hive no otugation to disclose la Guarantor any infomation or documents acquired by Bank In the course of its relationship with Borrower. GUARANTORS WAIVERS. Except as prohibited by scalable law. Guarantor waives any right to require Bank HO to make any presentment, protest, demand. or notice of any kind, ingrdng malice Of any nonpayment Of the ACCOUnt indebtedness a notice d any action or non-action on the pan of Borrower a (0) to resort Ice payment or to proceed arecoy of al once against any person. inducing Borrower or any other Guarantor. If now a hereafter Borrower shall be or become Insolvent. Guarantor hereby forever waives and relinquishes in lava Of Bank and Brammer, and their respecave successors, any dare dog a remedy to payment Guarantor may now have or Mesabi( have or acquire against Borrower that arises hereunder endfor performance by any guarantor nCludind without ',relation.. oily Mem remedy or riot of subrogation. reimbursement exoneration, indemercators. or furtegalion in any aeon. em Of remedy 01 Bank against Borrower, whether or not such Claim. right Or remedy arises b equity. wider contract statute. common law or otherwise. by subrogation or otherwise, so that al no lime Marl Guarantor be or become a 'creditor of Borrower within the meaning ol I I U.S.C. Section S47(0), or any successor provision of ore Federal bankruptcy 'awe- Guarantor also waives env and al dente or detentes wising by reason of say Section of remedies by Bonk which destroys or otherwise adversely affects GUNS140I'S subrogation roue or Guarantor's tights to proceed against Borrower Jr relmteasernent. Including without iimitation, any loss of lights Guarantor may sea by reason ol any law timer*. Cs/ellen. Or Olscharghb the Account Indebtedness. II payment Is made by Borrower, whether vaunt,* or otherwise. Or by any third potty, on the Account Indebtedness and thereafter Bank Is fared to remit the amount of that peyment to Borrowers trustee In benkniptry a to one WNW person wider my eiders or state bankruptcy hew or taw for the reset of debtors, the Indebtedness Shall be considered urged for the purpose of enforcement of this Guetenty. This provision WWI suMve termination of this Guaranty. RIGHT OF SETOFF. Guarantor euthenzes Bank. to rne extent permitted by applicable law, to charge. vellibraw or setae as aims owing on the Account against any and all the accounts set forth below In the Accounts section without poor demand Cr notes to Guarantor. ACCOUNTS. Accounts shall include ell Guarantors deposits. account, (whether cheridng savings. or Some other aCCOunt) or securbes now or hereafter in the possession Co or on deposit with Bank or with any Bank's affiliate ce subsidiary induling without !Imitation as accounts held jointly we someone else and all accounts Guarantor may open In the future, excluding, however, all IRA. Keogh and trust accounts. MISCELLANEOUS PROVISIONS. The follombg miscelaneous provisions are a part of was Guaranty. Amendments. This Guaranty constitutes the entire understanding. and agreerrea of the Parties as to the matters set forth In MU Guaranty and supersedes all pna understanding and OarregiOndenCe. Coal a written. Wm respect to the sublect matter hereof No &Aeration of or immanent to this Guaranty yus be effective unless given in writing and signed by the pace or parties sought to be charged a bound by the allergen or amendment Applicable Law. This Guaranty shall be governed by and construed in accordance with the laws of the state where the Issuing Bare referenced stove maintains its prologs! office Attorney's Fee; Expenses. Guarantor agrees to pay upon demand all of Bank's costs and expenses. Including reasonable attorneys lees and Bank's legal expenses. IftUffed in connection with the Account or the enforcement ol this Guaranty. Bank miry pay someone elm to NAP enforce tens Guaranty end Guarantor 'has pay the can and expenses of such enforcement. CONS and expenses include Bank's reasonable allerneyie Ism and legal expenses whets or not The is a lawsuit. for bankruptcy proceedings lard Maxie* eats to modify a vacate any automatic slay a trilLnCli011). appeals. and any anticipated post-Iudgenent COleckel serriC41. Guarantor ISO shall pay al court Oasts and such oda:tonal lees as may be directed by the cowl Interpretation. in as eases where Mete is more than one Borrower' a Guarantor, then all words used in this Guaranty in the singular shad be deemed to have been used in the plural where the context and construction so require and where there Is more then one Borrower named e this Guaranty or when This Guaranty a executed by more than one GillerantOr, the weds Borrower and 'Guarantor respectively shell man all and any one or more of them. The words 'Guarantee,' Seerower; and 'Bank,' ,elude the hen, successors, assigns. MO VanSfereeS Of each Of them. Caption headings hn this Guaranty ere for conwebence purposes ONy and are not to be used to interpret a defile tie prOviSICns Of Kos Guaranty. if a court of cattle' MilitlictOr. Fends any provision of this Guaranty to be Innid or unenforceable es to any person a CifO.07.1t311O). such Inono shall not render that provision invalid a unentorotable as to any other persons a Orcumsteites. and an provisions Of this Guaranty In all other respects shall remain valid and enforceable Waiver. Bank shell net be deemed to have wan." any right, wider this Guaranty unless Such waiver is given in writing and signed by Bank. No delay or omission en the pan or Bank in exorcising any nghl shall operate eta waiver d such right or tiny other Flom. A waiver by Bonk of a provision re this Guaranty SASS not Pete/6a a consitule 0 waiver of Bank's SON otherwise to demand skid compliance with that provision a wlY oiler Prorsbn of INS Guaranty No prior weNr by lee, nor any Carla OS &airy between Bank and Guarantor, Pall Constitute II wanner of any of Bank's COW a of any of Guarentore obligation' es to any future Irementione. Whenever the consent of Barr N required under this Guarenly. the wanting of writ consent by Bank In any ratan Shall not Cionsteule continued consent to subsequent in ters whet such comae Is required and in ell cases such content may be wanted or withheld in the sole tilectellon of Bank There are cost, associated with the use of Ns yea card. Fa specifc inlosnation regarding the costs. Pease vane us at Par Beach NallOnal Beth a Trust Company. P.O. Bo. 14 2 ta, North Palm Beach, Floriie 33408 a call us at 561424-7305. TM undersigned canine test all statements In this Application end on each docuneril moulted to be submitted b Comedian tarewlet.ineludIng federal income tax rooms, are true, oared and Comdata. The underbred authorizes Palm Beach tesone Bank & Trust Company 10 rely upon such statements, make ouch Inquires, and gather such Information as Pam Beach National Bank I Trust Company deems necessary end reasonable to verify any Wcimation provided to Pain Beach NlillOnSI Bonk & Trust Company on Via Appication on any such ranged document. racketing Wig**, to the Internal Revenue Service, busmen craft reponing and Credit bureau agencies end associations. end we authorise Palm Beach National Bank & Trust Company, Its holding company end altiliales end related service corporations to exchange this eppkcallort the information contained in or submitted with this Appecalkin end at barring reiallOnship Information with each other end with bulimia Credit repelling of treat bureau 'gentles end associations and creditors °I the undersigned. The undersigned further agrees to notify Palm Beath Nortionel Bank a Trust Company promptly or any mimeo charge In eny such iniormaticn The undersigned certifies that helshe hes full authority to act on behalf of Applicant In connection with this credit request. EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE P Tin Qt4WNTY NO AGREES TO HS TERMS. . GUARANTOR NAME PRINTED EPS ", e • fit] SIGNA DATE //al FORM a D90003 REVISED 0499 SONYGL102771441 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258249 EFTA01337893 LL( :O11PCCECATE AUTHORIZATION RESOL ION Referred to in this document as 'Financial Institution' ocS, Referred to in this document as liabcperelieii E-efa cki CPS i co/ tut-) act( VhCane ca- C_ certify that I am Federal Employer I.D. Numr " V enfiff ve Thfic ifiVaininLinfie lia/ townizini snelig gag iva lti t LIKII thrreSO1 171bn5 v.. ain a WITcla 'ow) , d tl o ivrai.Aeniuns These resolutions appear in the minutes of this meeting and have not been rescinded or metalled. AGENTS My agent listed below, subject to any written limitations, is authorized to exercise the powers granted as indicated below: Name and Title or Position A. 16-h-zxly Cpsrcid, Y\crAKR S. c. o. E. F. Signature Facsimile Signature (if used) x x x x x x x x x x POWERS GRANTED (Attach one or more Agents to each power by placing the letter corresponding to their name in the area before each power. Following each power inchoate the number of Agent signatures required to exercise the power.) Indicate A. B. C, 0, E, ard/or F Description of Power (1) Exercise WI of the powers listed in this resolution. (2) Open any deposit or share account(s) in the name of the Corporation (3) Endorse checks and orders for the payment of money or otherwise withdraw or transfer funds on deposit with this Financial Institution. (4) Borrow money on behalf and in the name of the Corporation, sign, execute and deliver promissory notes or other evidences of indebtedness. (5) Endorse, assign, transfer, mortgage or pledge bills receivable, warehouse receipts, bills of lading. stocks, bonds, real estate or other property now owned or herealter owned or acquired by the Corporation as security for sums borrowed, and to discount the same, unconditionally guarantee payment of all bias received, negotiated or discounted and to waive demand, presentment, protest, norce of protest and notice of non-payment (6) Enter into a written lease for the purpose of renting, maintaining, accessing and terminating a Sale Deposit Box In this Financial Institution. (7) Other LLS._ LIMITATIONS ON POWERS The following are the-Demoretiene-express limitations on the powers granted under this resolution. EFFECT ON PREVIOUS RESOLUTIONS This resolution supersedes resolution dated CERTIFICATION OF AUTHORITYTINS, LLC, I further certify that the BeenFel-Birecters of the eorportmorrtes, and al the time of adoption of this resolution had, full power and lawful authority to adopt the foregoing resolutions and to conker the powers granted to the persons named who have full nd lav4ut tatty to exercise the same. (Apply seal below where appropriate.) • .. 0 II checked, the Corporation is a non-profit corporation. In Witness Whereof. I name to this document and ^m-ta"'"a me —LACceamperooetean Indicate number of signatures required . If not completed, alt resolutions remain in effect. AtmerbriSinireatner011ecei- 111.. O I905. 1437 Dorgan Sysiums. Inc MN Form C.A.I 611099 tif (date). —fileeveteer (page roll) SDNY_GM_02771442 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258250 EFTA01337894 RESOLUTIONS Thea rapeietien named on this resolution resolves that, (1) inancial Institution is designated as a depository for the kinds of the and to provde other financial accommodations indicated in this resolution. .••• -• (2) This resolution shall continue to have effect until express written/106CA Oils rescisaco or g odificalionhas been received and recorded by the Financial Institution. Any and all prior resolutions adopted by the lleariberalie4408-of the - ". and certified to the Financial Institution as governing the operation of this corporation's account(s), are in full fare and effect. until the Financial Institution receives and acknowledges an express written notice of its revocation, modification or replacement. Any revocation, modification or replacement ot a resOlution must be accompanied by documentation, satisfactory to the Financial Institution, establishing the authority for the changes. (3) The signature of an Agent on this resOlutiOn Con Waive evidence of their authOrity to act on behalf of the .CretpoiabonaAny Agent, so king as they act in a representative capacity as agents of the , Is authorized to make any and all other contracts. agreements. stipulations and orders which they may deem advisable for the effective exercise of the powers indicated on page one, from time to time with the Financial Institution, subted to any restrictions on this resolution or otherwise agreed to in writing. (4) Al transactions. if any, with respect to any deposits, withdrawals. rediscounts and borrowings by or on behalf of the Go7p—er(zSimth the Financial Institution prior to thLaplogtion of this resolution are hereby ratified, approved and confirmed. _ (5) The Corporate@ agrees to the terms and conditions of any account agreement. property opened by any Agent of the taionsereisir The Cer.S35gyn authorizes the Financial Institution, al any lime, to charge the Corporation for all cheCke, drafts, Or other orders. ler the payment of money, that are drawn on the Finan ia Inititution. so long as they contain the required number of signatures for this purpose. (6) The Cls p acknowledges and agrees that the Financial Institution may furnish at its discretion automated access devices to Agents of the Corporation to facilitate those powers authorized by this resolution or other resolutions in effect at the time of issuance. The term automated access device- inciudes. but Is not limited to, credit cards, automated teller machines (ATM), and debit cards. • (7) The earplathifraCknowladeeS and agrees that the Financial Institution may rely on alternative signature and verification codes issued 10 or Obtained from the Agent named on this resolution. The term 'alternative signature and verification codes" inchdes. but is not limited to. facsimile signatures on file with the Financial Institution, Personal identification numbers (PIN). and digital signatures. If a facsimile signature specimen has been provided on this resolution, (or that are Ned separately by the Corporation with the Financial Institution from time to time) the Financial Institution is authorized to treat the facsimile signature as the signature of the Agent(s) regard., of py whom or by what means the facsimile signature may h. been affixed so long as it resembles the facsimile signature specimen on file. The --authorizes each Agent to have custody of the 's private key used to create a digital signature and to request issuance of a certificate listing the corresponding public key. The Financial Institution shall have no responsibility or liability for unauthorized use of alternative signature and verification codes unless otherwise agreed In writing. FOR FINANCIAL INSTITUTION USE ONLY Acknowledged and received on Comments.. 0 , R85, f Sir enters Synimen. irc . St C (date) by . - vAi [norm swyr.. (initials) El This resolution is superseded by resolution dated emee 2 of 2) SDNY_GM_02771443 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_0O258251 EFTA01337895 MEMORANDUM TO: Nancy Bruno 4 04 0 1 FROM: H. Loy Anderson, Jr. DATE: August 7, 2001 REF: Jeffrey Epstein Nancy, I am waiving the requirement for financial statements on the application for three corporate credit cards totaling $25,000 for Jeffrey's company NES, LLC issued in the names of which are being guaranteed by Mr. Epstein. SDNY_GM_027 71444 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258252 EFTA01337896 DEPARTMENT OF THE TREASURY INTERNAL REVENUE SERVICE HOLTSVILLE NY 00501 NES LLC .EPSTEIN JEFFREY E SOLE MEMBER 457 MADISON AVE 4TH FLR NEW YORK NY 10022 DATE OF ,HIS NOTICE: 12-11-2000 NUMBER OF THIS NOTICE: CP 575 A EMPLOYER IDENTIFICATION NUMBER: FORM: SS-4 1925527256 FOR ASSISTANCE CALL US Al 1-800-829-1040 OR WRITE TO THE ADDRESS SHOWN AT THE TOP LEFT. IF YOU WRITE, ATTACH THE STUB OF THIS NOTICE. WE ASSIGNED YOU AN EMPLOYER IDENTIFICATION NUMBER (EIN) Thank you for your Form SS-4, Application for Employer Identification Number (EIN). We assigned you EIN 13-4146141. This EIN will identify your business account, tax returns, and documents, even if you have no employees. Please keep this notice in your permanent records. Use your complete name and EIN as shown above on all federal tax forms, payments, and related correspondence. If you use any variation in your name or EIN, it may cause a delay in processing, incorrect information in your account, or cause you to be assigned more than one EIN. Based an the information shown on your Form SS-4, you must file the following form(s) by the date we show. Form 941 01/31/2001 Form 940 01/31/2001 Your assigned tax classification is based on information obtained from your Form SS-4. It is not a legal determination of your tax classification and is not binding on the IRS. If you want a determination on your tax classification, you may seek a private letter ruling from the IRS under the procedures set forth in Rev. Proc. 98-01, 1998-1 I.R.B. 7 (or the superseding revenue procedure for the year at issue). If you need help in determining what your tax year is, you can get Publication 538, Accounting Periods and Methods, at your local IRS office. If you have questions about the forms shown or the date they are due, you may call us at 1-800-829-1040 or write to us at the address shown above. If you're required to deposit for employment taxes (Forms 941, 943, 940, 945, CT-1, or 1042), excise taxes (Form 720), or income taxes (Form 1120), we will send an initial supply of Federal Tax Deposit (FTD) coupon books within six weeks. You can use the enclosed coupons if you need to make a deposit 4 bo.oro you receive your supply. Start your business off right - pay your taxes the easy way. Pay through the Electronic Federal Tax Payment System (EFTPS). For information about EFTPS, call 1-800-829-3676 and request Publication 966, EFTPS Answers to the Most Commonly Asked Questions. SDNY_GM_02771445 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258253 EFTA01337897 State of New York Department of State I hereby certify that the annexed copy has been compared with the original document in the custody of the Secreauy of State and that the same b a true copy of said original. DO3-12661,961 Winless my hand and seat of the Department of State on .......... '.Of NEW, •• : ••: 41ENT 0 • ....... r s e • ti AUG 17 iqq8 Special Deputy Secretary of State SDNY_GM_02771446 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258254 EFTA01337898 • DEPARTMENI OF ST. . VISION OF CORPORATIONS AND STATE RECORDS FILING RECEIPT 1TITY NAME : NES, LLC OCUMEN1 TYPE : ARTICLES OF ORGANIZATION (DOM LLC) ERVICE COMPANY : CT CORPORATION SYSTEM -===== ILED: 08/13/1998 DURATION: 14****FAA* DDRESS FOR PROCESS HE LLC EAST 71ST STREET EU YORK, NY 10021 AGISTERED AGENT CASH t: 0 0 0 0 0 0 0 0 0 0 ALBANY. NY 12231-006 COUNIY: NEWT SERVICE CODE: Of === ti OV NE wt.**. : c-) : * VCI 06 IIS FILING HAS AN ASSOCIATED PUblar ITCH THIS PUBLICATION IS TO BE MAX, 1E COUNTY IN WHICH 1HE ENTITY'S OFFICE. IUNTY CLERK FOR FURTHER INFORMATION. :============== FILER LAUREN KWINTNER 457 MADISON AVENUE FOURTH FLOOR NEW YORK, NY 10022 = = = )S-1025 (11/09) • : ekl. THE NEWSPAPERS IN BY THE COUNTY CLERK OF D. CONTACT THE RESPECTIVE EXIS1 DA1 0 0 0 08/13/ 199 FEES 210.00 =============== PAYMENTS 210.0 FILING : 200.00 CASH 0.6 TAX 0.00 CHECK : 0.0 CERT 0.00 BILLED: 210.6 COPIES : 10.00 HANDLING: 0.00 REFUND: e.e ============= SONY_GM_02771447 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258255 EFTA01337899 FUG-.12-98 16. 17 FROM 1O , 4'23718242 P4GE 3,4 CT-07 ARTICLES OF ORGANIZATION OF NES, LLC r-9 8 0 8 1 3 0 0 0 LIM (Pursuant to Section 203 of the Limited Liability Company Law) The undersigned person, acting as an organizer of the limited liability company to be formed under the Limited Liability Company Law by the filing of these Articles, sets forth the following statements: FIRST: The name of the limited liability company is NES, LLC (the "Company"). SECOND: The county within the State of New York in which the office of the Company is to be located is the County of New York. THIRD: The Company is not to have a specific date of dissolution in addition to the events of dissolution set forth in Section 701 of the Limited Liability Company Law. FOURTH: The Secretary of State of the State of New York is designated as agent of the Company upon whom process against it may be served. The post office address within the State of New York to which the Secretary of State of the State of New York shall mail a copy of any process against the Company served upon the Secretary of State is 9 East 71' Street, New York, New York 10021. The Company is to be managed by one or more members. SIXTH: There are no limitations on the authority of the members to bind the Company. IN WITNESS WHEREOF, I have signed this document on the date set forth below and do hereby affirm, under penalties of perjury, that the statements contained herein have been examined by me and are true and correct. Executed on this c- day of August. 1993. I SDNY_GM_02771448 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258256 EFTA01337900 At1C.• 12-98. 16: 19 FROM: ARTICLES OF ORGANIZATION OF NES, LLC (Pursuant to Section 203 of the Limited Liability Company Law) STATE OF NEW YORK DEPARTMENT OF STATE FILED AU6 1 3 1996 BY: Filer: Lauren Kwiutner 451 Madison Avenue Fourth Floor New Yor New York 10022 du" PACg CT-07 SDNY_GM_02771449 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258257 EFTA01337901 Date: 08/21/2001 Time: 15 ':45 Operator: AL Department: LOAN_OPS Report Type: FX Reference: ANN LUFFT XM-EPSTEIN,JEFFERY. :A-358,BRILLO,WAY,PALM BEACH,FL,33480. SNH BEACON SCORE: 698 00022/00010/00014/00020 ACCOUNT NOT PAID AS AGREED, PUBLIC RECORD OR COLLECTION AGENCY FILING PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT SSN ISSUED -67 STATE ISSUED—NY 'cQEO CODE: MSA STATE COUNTY CENSUS TRACT ;358,BRILLO,WAY,PALM BEACH,FL,33480. .:SNQ CURRENT ADDRESS FULL ZIP NOT AVAILABLE BLOCK GROUP • 240 EQUIFAX CREDIT INFORMATION SERVICES, P 0 BOX 740241, ,ATLANTA,GA,30374-0241,800/685-1111 *EPSTEIN,JEFFERY,E SINCE 04/22/77 FAD 07/10/01 457,MADISON,AVE,NEW YORK,NY,1CO22,TAPE RPTD 01/99 358,EL BRILLO,WAY,PALM BEACH,7L,33480,TAPE RPTD 08/98 TELEPHONE NUMBER 265,E 66TH ST NEW YORK,NY,10021,TAPE RPTD 04/98 CBDS- SSN VER - Y 03:,: ES-,SELF EMPLOYED 32 EF-CONSULTING PRES,J EPSTEIN CO,NEW YORK,NY 33 E2-.BEARS STEARNS FN-398 *SUM-06/77-08/01,PR/OI-NO,COLL-YES,FB-NO, ACCTS:17,HC$0-97320, 16-ONES, 1-OTHER COLLECTION ITEMS LIST RPTD AMT/BAL DLA/ECOA AGENCY/CLIENT 10/98 12/98 $180 08/98. 46SYC93 DRS BUSBUR $180 U IMAGING ASSOCIA STATUS/SERIAL UNPAID 2853977 FIRM / IDENT CODE CS RPTD LIMIT MICR BAL $ DLA MR (30-60-90+)MAX/DEL ECOA/ACCOUNT NUMBER OPND P/DUE TERM 24 MONTH HISTORY CHASE NA *426883859 RI 07/01 17100 --- 7313 07/01 60 I/526327100944 03/85 120 CREDIT CARD BLMD/FDSB *404DC21 R1 07/01 2001 0 22 I/445507 01/79 --- --- CHARGE ,s- • BKCARD SER*6680N9235 RI 07/01 1000 0 12/00 31 1/S41329534000 11/98 CREDIT CARD CHASE NA *4960N598 RI 07/01 5000 525 07/01 33 I/4305870160 10/98 10 CREDIT CARD HSBC BANK *1006853 RI 04/01 8300 0 04/00 53 SDNY_GM_027 71450 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258258 EFTA01337902 C/521531700129 10.06 " PAID ACCOUNT/ZERO BALNW ACCOUNT CLOSED BY CREDIT GRANTOR iTBC CLASS*4470317753 R1 05/94 2000 0 37 1/583029 04/91 CREDIT CARD :HASE NA *426333859 RI 11/93 3800 0 03/92 41 7/411446100148 12/88 CREDIT CARD REVOLVING TOTALS 30901 8300 7838 130 AMEX *9060N259 01 08/01 --- 97320 97320 08/01 01 1/86332600 10/77 --- --- AMEX *4048118169 01 07/01 --- 23888 2784 07/01 01 t/57814300 10/00 --- CREDIT CARD 31MEX *90603259 01 07/01 0 0 07/01 01 1/18259300 06/77 kTTWSNEPCS*444UT981 01 07/01 0 0 13 1/250000005592 03/00 kTTWSSEPCS*465UT68 01 07/01 0 0 08/99 40 1/370000002562 11/92 VTTWSSEPCS*465UT68 01 07/01 0 0 08/99 40 1/370000002522 06/89 VITWSNEPCS*444UT981 01 07/01 0 0 16 1/250000002961 10/97 WTTWSNEPCS*444UT981 01 08/00 0 0 06 1/250000005296 11/99 PAID ACCOUNT/ZERO BALANCE s ATTWSNEPCS*444UT981 01 03/00 0 0 09/99 20 I/250000003954 06/98 OPEN TOTALS --- 121208 100104 GRAND TOTALS 30901 129508 107942 130 CHASE NA *426683859 11/98 --- 06/97 526327100939 03/85 LOST OR STOLEN CARD CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT *INQS-TAMINSPEC 496I200338 07/10/01 AT&T 910UT16679 11/03/99 e'Y END OF REPORT EQUIFAX AND AFFILIATES - 08/21/01 SAFESCANNED SDNY_GM_02771451 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258259 EFTA01337903 ma, To: Dottie Wilson From: Eric Gany Date: 8/6/01 Re: Credit card application Enclosed please find a credit card application for NES, LLC. Jeffrey is the sole member (owner) of this company. We are requesting the maximum — $25,000 — credit line. Please forward this application to Nancy Bruno with a letter from the bank. We are not interested in giving Jeffrey's personal financial information. Thanks for your help. 1 SDNY_GM_02771452 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258260 EFTA01337904 LIST THE NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES: NAME (PRINT) SOCIAL SECURITY U SIGNATURE CASH ADVANCE ACCESS') CREDIT LIMIT OYES ONO DYES WO OYES ONO DYES ()NO S )OtCOo TOTAL CORPORATE CREDIT LIMIT REQUESTED• $ • SDNY_GM_02771453 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_0025826 I EFTA01337905 riu t; UI 1 11 : .-1.1 a Shannon Healy AUG-OG -01 12.30 FROM. SOS 832 2876 10.2127 1400 1•MUt. p.1 ---- -•-•-•-•-• -•-- - - gift RAmES OF All EMPLOYEES TO WHOM CAROS ARE TO BE ISSUED FOR BUSINESS PURPOSES: SOCuu SECURrin S - CASH ADVANCE ACCESS? CREDIT LIMIT MCI ...- OYES $1O s [0 t OYES ONO 1 OYES ONO s OYES ONO TOTAL CORPORATE CREDIT UMIT REQUESTED: L. SDNY_GM_02771454 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258262 EFTA01337906 Rug 06 01 02:56p AUC-0E-01 13.39 FROM, P • 1 10.2127. 2400 PACE 1/1 amen LIST THE NAMES OF ALL EMPLOYEES TO W1400.1 CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES. NAM Soo AL (PRINT) So AL SECURITY SIGNATURE CASH ADVANCE ACCESS") CREDIT LIMIT Oyes ONO AYES ONO YES A .0 S 6 30 YES ONO TOTAL CO EQUESTED: 3 o SDNY_GM_02771455 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258263 EFTA01337907 PALM BEACH NATIONAL BANK & TRUST COMPANY "It's Everywhere You Want to Be." July 26, 2001 Eric Gany 457 Madison Avenue New York, New York 10022 RE: Visa Business Card/Jeffrey E. Epstein Dear Mr. Gany: We appreciate your request for a VISA Business Credit Card from Palm Beach National Bank & Trust Company. In order to expedite your request, please provide the following applicable items: • Business Card Application, with personal guaranty completed and signed (without corporate titles) on the reverse side of the application. MINIMUM CREDIT LIVE - $5,000.00 MAXIMUM CREDIT LINE - $25,000.00. • Corporate/Partnership or Sole Proprietorship Authorization Resolution • For credit line requests exceeding $10,000.00 1. Current year-to-date Business Financial Statement; 2. Last two years of signed Corporate/Partnership Federal income tax returns OR an audited financial statement reflecting a minimum of the previous two years of financial information; 3. Current signed Personal Financial Statement for each guarantor. Guarantor(s) listed on the application must represent at least 51% of the ownership of the corporation/partnership; 4. Last two years of signed Personal Federal income tax returns for each guarantor. Guarantor(s) listed on the application must represent at least 51% of the ownership of the corporation/partnership. NC inn WORP I RCA %%II RCA Ili )111.INARD / PAI.PA REACH GARDENS. F1.<>RID•\ .11410 PRONE .5(0i 627. I 776 FAX iSni 1776'O244 SDNY_GM_02771456 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258264 EFTA01337908 Page Two July 26 2001 Please return all completed forms and financial information to my attention at: BankCard Services 3931 RCA Blvd., Suite 3102 Palm Beach Gardens, FL 33410 If you have any further questions, please do not hesitate to contact us at 776-2448. Again, thank you for your interest in our VISA Business Credit Card program. Sincerely, Nancy J. Bruno Vice President, Director of BankCard Services Enclosures SDNY_GM_02771457 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258265 EFTA01337909 .. ..pry,. .o. iv inn £i i.r.r July 26, 2006 Colonial Bank Jeff Re: Main account #: VIA FACSIMILE: M140 LLG NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK. NEW YORK 10022 001 /001 TELEPia TELEE Please make the following changes to the above main account number: • Please change limit one $6,000 • Please change limit o $6,000 If you have any questions, feel free to contact me at the above number. Thank you, / Bella Klein Jeffrey Epstein SDNY_GM_02771458 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA _00258266 EFTA01337910 Jeffrey Epstein 6100 Red Hook Quarter, B3 St Thomas, VI 00802-1348 June 28, 2006 Jeff Desmond Colonial Bank Re: NES LLC Credit Card — Account Number Dear Jeff: I would like to add a new credit card with a $5,000 credit limit to the above referenced account. The credit card will be in the name of Her personal information is as follows: Date of Birth: Social Security #: Home Address: I hereby grant permission for Richard Kahn to act on my behalf with any additional information that may be needed for this new credit card. In addition please mail the new credit card to Richard at: Richard Kahn C/o NES LLC 457 Madison Avenue, 4th Floor New York, NY 10022 Thank you, Jeffrey Epstein SDNY_GM_02771459 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258267 EFTA01337911 FEB-II-0S 17 , 22 FROM , tu•2127b024NS NES, LL FOURTH FLOOR 4S7 MADISON A NEW YORK, NEW YORIa 10022 February 11, 2005 Jeffrey Colonial Bank Re: Main account # VIA FACSIMILE: TELEPHONE (212) 7509790 TELEFAX (212) 371-110s2 Please make the folio ng changes to the above main accotmt number: • Add a new for Janusz Banasiak with a credit limit of $3,000, Social Security Signature attached. If you have any clues • ns, feel free to contact me at the above number. Thank you, Eric Gany Jeffrey pstein rAlab In SIDNY_GM_027 71460 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258268 EFTA01337912 FEB-11-06 17.22 FROM. SDNYGM_02771461 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258269 EFTA01337913 JUN-14-05 12.45 FROM. NES,I,LCJ FOURTH FLOOR 457 MADISON AVEZi NEW YORK NEW YORK 10022 Re: Main coup #- VIA FACS TELEPHONE (212) 7509790 TELEFIJC (212)37/4M Please m the following chang to the above main account number: • PI change limit on L • ciano Foraanilla to $5,000 • If you have~any !Lotions, feel to contact me at the above number. Thank you, Eric Gany Jeffrey Epstein SDNY_GM_02771462 PACE 1/1 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258270 EFTA01337914 JrClr'W , I0b. 10.0W I- KUM. NES, LLC FOURTH FLOOR 057 MADISON AVENUE NEW YORK, NEW YORK 10022 February 7, 2005 Jeffrey Colonial Bank Re: Main account #: VIA FACSIMILE 10:XI:debW240t, TELEPHONE (212) 750-9790 TELEFAX (212) 571.1002 Please make the following changes to the above main account number: • Please cancel card for Branakmana L.Mellawa • Please cancel card for Alfredo Rodriguez If you have any questions, feel free to contact me at the above number. YNUG 1/ SDNY_GM_027 71463 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_0025827 I EFTA01337915 01/21/2005 1,111-O1005 13:33 06,27P11 NAME ACCOUNT PRESENT UPDATED phone 325-5.31791 FR0U- REQUEST A) e$ CU FOR CREDI LLC .CIN IN_ E30NY P I-363 P.CD1/006 • LIMIT INCREASE DATE 1/13/ 4'" Na LIM-T:S F1L numbers, Po,- DJe q 19, I) 0 D REqUESTED LIMIT:S tiCi [Jo d address, place of employment, 36 ,”/-dtt..., 7:: TNTORMATION: ( ie, etc) -_-_ Q1.7Liwfil e..3 lv, I ()tie/ 1, -)./- ---- (/ 7/,`,-)ce Lji` 26 /1)0()?1,,, COMMENTS: L,',-O' /..,),, ) cc,.:-.5 ?d h 4 vv, o Lk.) 1'IUluS. ( wi D,ne ,- i-1 re gveJ A ki - 4 LI s-, boo. / di 44 - APPROVED EN D T DECLINED BV DATE F-101 SDNY_GM_02771464 01/03 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_OO258272 EFTA01337916 JAN-I0-2005 05:2IPM FROM- T-35I P.002/005 F-777 REQUEST FOR CREDIT LIMIT INCREASE NAME N C- 5 I-1-C ACCOUNT NO. PRESENT LIMIT:$ D Di) REQUESTED LIMIT:$ ~S Oaf DATE / (1/0,.( UPDATED FILE INFORMATION: ( ie, address, place of employment, phone numbcrs, etc) 4 —curren+ 6e.lote — -- 4,15, Doo FC. 5 4. D,/e_ erne} ;n ic.sf 3 I Mon'tb —Ove,(12/1.1 1-;me MEWL/ ---4CLD‘iiii &rile 0 4 40,0e COMMENTS: C.3 /./( 3 O Lin P d r .fie 'Pre r APPROVED BY DECLINED BY I-I0-05 DATE DATE SDNY_GM_02771465 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258273 EFTA01337917 USER REF. THIS FORM PRODUCED BY EQUIFAX BNI W/BANKRUPTCY SCORE: 300 BNI W/BANKRUPTCY REASON CODES: 00195 00191 00003 00148 NARRATIVES: LACK OF RECENTLY REPORTED DEPARTMENT STORE ACCOUNT INFORMATION LACK OF RECENTLY REPORTED CREDIT UNION ACCOUNT INFORMATION LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF RETAIL ACCOUNTS BEACON 5.0 SCORE: 806 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH LACK OF RECENT INSTALLMENT LOAN INFORMATION SSN ISSUED-67 STATE ISSUED-NY 00011/00032 PAGE 1 • ADDRESS DISCREPANCY - NO SUBSTANTIAL DIFFERENCE OCCURRED GEO CODE: MSA 8960 STATE 12 COUNTY 099 CENSUS TRACT 0035.02 BLOCK GROUP 6 358,EL BRILLO, WAY, PALM BEACH,FL, 334804730. INQ CURRENT ADDRESS (STANDARDIZED) FOUND ON GEO CODE DATABASE • 240 EQUIFAX INFORMATION SERVICES LLC, P 0 BOX 740241, ,ATLANTA.GA, 30374-0241,800/685-1111 •EPSTEIN,JEFFERY,E SINCE 04/22/77 FAD 02/05/04 358,EL BRILLO, WAY, PALM BEACH, FL, 33480,TAPE RPTD 08/98 457,MADISON,AVE P4FL,NEW YORK,NY,10022,TAPE RPTD 01/99 265,E 66TH,ST,NEW YORK,NY,10021,TAPE RPTD 04/98 FN-EPSTEIN JEFFREY .E 01 ES -,SELF EMPLOYED 02 EF-CONSULTING PRES,J EPSTEIN 03 E2-,BEARS STEARNS CO,NEW YORK,NY FN-336 *SUM-02/77-12/04,PR/01-NO,COLL-NO,F8-NO, FIRM / IDENT CODE CS RPTD LIMIT ECOA/ACCOUNT NUMBER OPND P/DUE ACCTS:10,HC$1000-200K, 9-ONES, 1-OTHER HICR BAL $ DLA MR (30-60-90+)MAX/DEL TERM 24 MONTH HISTORY CHASE NA •426983859 RI 12/04 18600 1/526327100972 03/85 --- 10 363 12/04 45 CREDIT CARD CHASE NA •4960N598 RI 10/04 --- 5500 0 10/03 72 I/4305870160 10/98 --- ACCOUNT CLOSED AT CONSUMERS REQUEST CLOSED OR PAID ACCOUNT/ZERO BALANCE BKCARD SER•6680N9235 RI 01/04 --- 1000 0 07/02 39 I/4470305340001631 11/98 --- CLOSED OR PAID ACCOUNT/ZERO BALANCE CREDIT CARD SDNY_GM_02771466 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258274 EFTA01337918 USER REF. THIS FORM PRODUCED BY EQUIFAX PAGE 2 BKCARO SER*6680N9235 RI 09/02 1000 0 07/02 45 1/5413295340001631 11/98 CREDIT CARD HSBC/NBSB *1008853 RI 04/01 --- 0300 0 04/00 53 1/521531700129 10/96 --- --- CLOSED OR PAID ACCOUNT/ZERO BALANCE ACCOUNT CLOSED BY CREDIT GRANTOR REVOLVING TOTALS 19600 14800 363 10 AMEX *4020048257 01 12/04 59946 20945 12/04 01 I/-006430063018384481 02/77 CREDIT CARD AMEX *4028048257 01 12/04 --- 1577 0 10/04 01 I/-006430063018358391 06/77 CREDIT CARD AMEX *4028048257 01 12/04 200K 200K 12/04 01 I/-006430063018336622 10/77 CREDIT CARD AMEX *4020048257 01 12/04 6729 966 12/04 01 I/-006430063018316341 10/00 CREDIT CARD OPEN TOTALS --- 268252 221911 GRAND TOTALS 19600 283052 222274 10 CHASE NA *426883859 10/04 --- 01/03 526327100960 03/85 LOST OR STOLEN CARD CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT *INQS-COLONIAL 4658924008 12/03/03 AT&T 9100T31386 10/21/03 DAIMLER 458AN3198 09/25/03 VERIZON 910U:41240 09/25/03 AMEX 1900811128 03/21/03 • MEMBER I COMP. NAME TELEPHONE • MEMBER 1 COMP. NAME TELEPHONE CHASE NA 800-3565555 CHASE NA 800-3565555 BKCARD SER MAIL ONLY HSBC/H0S0 MAIL ONLY ■ AMEX MAIL ONLY COLONIAL 561-3686900 AT&T MAIL ONLY DAIMLER 302-3682447 VERIZON 908-7170625 AMEX MAIL ONLY & END OF REPORT EQUIFAX AND AFFILIATES - 01/04/05 SAPESCANNED SDNY_GM_02771467 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258275 EFTA01337919 Command ===> XMAS CUSTOMER-TO-ACCOUNT RELATIONSHIP BROWSE 090-44-3348 JEFFREY E EPSTEIN VI/V4/ 13:58: Rel Cd P/S/O Appl Account Number Trlr Balanc Stm PR D/I/R Prod Ctll Ct12 Ct13 Ct14 Alrt? Status Date Cur PRI IND P IM AVAIL 57326.8 N N D 031 N NORMAL OPENING 03/14/1991 PRI IND P IM AVAIL 58971.6 N N D 031 N NORMAL OPENING 01/10/1994 PRI IND P IM AVAIL 4087.9 N N D 031 N NORMAL OPENING 10/21/1997 PRI JOR P IM AVAIL .0 N N D 031 N PURGED OPENING 03/08/1991 PRI JOR P IM AVAIL 11498.5 N N D 012 N NORMAL OPENING 10/14/2004 SEC JNT S IM AVAIL 186569.0 N N D 010 N NORMAL OPENING 01/16/2001 . PRI IND P ST AVAIL 20865.6 N N D 353 N NORMAL MATURITY 09/23/2005 PF1-Fwd PFS-CustAcctBr PF8-CustAddr PF11-CustSvc PF14-AcctNonLeg PF2-Bkwd PF6-CustRel PF9-SesSetUp PF13-AcctLegTtl PF21-Top RMPCABS1 RM3003 I: FIRST PAGE LAST SDNY_GM_02771468 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258276 EFTA01337920 / DEC-20-04 17.04 RON: December 2 Colonial Jeff Re: Main account #: VIA FACSIMilLE Please make the fi ne, • Please change li • 1 1 If you have any q Thank you, 0 1D:212750240B PAGE 1/ NES, LLC FOURTH FLOOR 457 MADISON AVEVUE NEW YORK, NEW YORK 10022 TELEPHONE (212) 750.9790 TELEFAX (212) 3714042 changes to the above main unt number ton Luciano Fontanilla to 3,000 feel free to contact meiat the above number. SDNYGM 02771469 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00255277 EFTA01337921 Visa Fraud Control has notified Metavante Corporation of the possible compromise of the following card numbers for your Institution. A hacker gained access to a US retail merchants corporate web server. The merchant provided Visa with potentially compromised accounts for a time period of July 2003 thru the end of May 2004. The compromised information includes card numbers and track data including CVV. Visa Fraud Control is seeing a pattern of fraud affecting non-US issuers at this time. Fraud has occurred in the following countries: Spain, Italy. Brazil and Australia. Fraudsters am retaining card data for longer periods of time for later use. Your financial institution is responsible for reviewing the fist and taking whatever steps you deem necessary. Card Number Financial Institution Name Sank Agent Status Date of Cardholders Name Number Number Status COLONIAL BANK 1559 1534 Please contact your Metavante client support representative with your approval for Metavante to block and reissue the cards. Your institution is responsible for contacting the cardholders involved. If you have questions, call 877-615-8687. 07/05/04 US-2004-134-1C Page 1 SDNY_GM_02771470 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258278 EFTA01337922 ogrO(—,f0 .4 10.21275 0240 e Fax # Attention of Ms Bella, As requested, lam sending my signature for purposes of record. Regards, (lAte,s e Braitakmana Lucian Melllawa • • PAGE 2/: SONY_GM_02771471 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258279 EFTA01337923 APR-27-04 14.20 FROM, 10.2127502400 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 April 27, 2004 Jeffrey Colonial Bank Re: Main account tt: VIA FACSIMILE: 56 TELEPHONE (212) 750-9790 TELEFAX (212)3714042 Please make the following changes to the above main account number: • Add a new card for Branakmana L. Mellawa with a credit limit of $3,000, Social Security Signature attached. • Please cancel card for Michael D Friedman If you have any questions, feel free to contact me at the above number. PAGE 1,1 SDNY_GM_02771472 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258280 EFTA01337924 MAR-15-04 11 . 38 FROM. . • - 10.212750240B PAGE 1/1 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 March 15, 2004 Jeffrey Colonial Bank Re: Main account #: VIA FACSIMILE: TELF,HONE (212) 750-9790 YELEFAX (212) 371.9042 Please make the following changes to the above main account number: • Cancel the credit card for Sub•Account If you have any questions, feel free to contact me at the above number. Jeffrey Epstein Jeffrey Epstein SDNY_GM_O2771473 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258281 EFTA01337925 DEC-20-03 14.3? FROM. NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORIC, NEW YORK 10022 December 10, 2003 Colonial Bank Jeff Re: Main account #: VIA. FACSIMILE: ID.2227502409 TELEPHONE (212) 750n790 TELEFAX (212) 37141042 Please make the following changes to the above main account number: • Please change limit on redit card to S7,000. • If you have any questions, feel free to contact me at the above number. Thank yo ` % out,/ Erie Gany PACE 1/ SDNY_GM_02771474 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258282 EFTA01337926 3 1 1 35 FROM. lIJ .212 !bid:04.0a rnun A NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 TELEPHONE (212)7504790 TELEFAX (212)3714042 August 5, 2003 Jeffrey Colonial Bank Re: Main account #: VIA FACSIMILE: Please make the following changes to the above main account number. • Cancel the credit card for Sub-Account # If you have any questions, feel free to contact me at the above number. Thank you, Eric Gany Jeffrey Epstein SDNY_GM_027 71475 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258283 EFTA01337927 MAY-16-03 13,22 FROM. May 16, 2003 Jeffrey Colonial Bank Re: Main account 4: VIA FACSIMILE: 16.2127502405 PAGE 1/ NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 TELEPHONE (212) 7504790 TELEFAX (212)3714042 Please make the following changes to the above main account number: • Reduce the credit limit for Sub-Account if to $2,000. • d • Add a new card for 'th a credit limit of $4,000, Social Security Signature attached. • Add a new card for Brice M.Gordon with a credit limit of $4,000, Social Security i Signature attached. • If you have any questions, feel free to contact me at the above number. ir 1 OC)J Vako n n —A C161) 1) r SDNY_GM_02771476 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258284 EFTA01337928 nAm-I04-03 16.51 FROM. March 4, 2003 Representative Colonial Bank Re: Main account #: VIA FACSIMILE: 1 Page ID:212750240B PAGE 1/ NES, LLC FOURTH FLOOR 4$7 MADISON AVENUE NEW YORK. NEW YORK 10022 TELEPHONE (212) 750-9200 TELEFAX (212) 3214042 Please make the following changes to the above main account number: • Cancel the Visa card for Nicholas Simmonds. Sub-Account # • Cancel the Visa card for Edwina Simmonds, Sub-Account # Leave the credit 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, SONY_GM_02771477 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258285 EFTA01337929 AUG-09-02 12:40 FROM. 1012127S02400 PAGE I/I • NES, LLC FOURTH FLOOR 437 MADISON AVENUE NEW YORK, NEW YORK 10022 TELEPHONE (212) 730-9790 TELEFAX (212)17141042 August 9, 2002 Nancy Bruno/Ann Lufft PB National Bank Re: Main account #: VIA FACSIMILE: Please make the following changes to the above main account number: • Cancel the card for Adam Perry Lang Sub-Account # • Increase the credit limit for Nicholas Simmonds, Sub- =I to $5,000. • Increase the credit limit for Edwina Simmonds, Sub-Account to $5,000. • Increase the credit limit for iub-Account saw $io,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 you, Eric Gany efErey Epstein SDNY_GM_02771478 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258286 EFTA01337930 SEP-22-04 14:57 FROM. IO:212750240B PACE 1/ NES LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK. NEW YORK 10022 TELEPHONE (212)750-9790 TELEFAX (212) 3 714042 September 22, 2004 Jeffrey Colonial Bank Re: Main account it: VIA FACSIMILE Please make the following changes to the above main account number: • Add a new card for Alfredo Rodriguez with a credit limit of $2,500, Social Security Signature attached. • Add a new card for Jose h Rueda with a credit limit of S 1,000, Social Security It Signature attached • Add a new card or Luciano Fontanilla with a credit limit of S 1,000. Socia security Signature attached If you have any questions, feel free to contact me at the above number. I SDNY_GM_02771479 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258287 EFTA01337931 SEP-22-04 14.52 FROM. ID:2127502400 PACE 2/4 1,(A.C,Mt4D fi) t\r1 RIO Lc* ttAblarkzeffi, Jeffrey E. Epstein SONY GM 02771480 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258288 EFTA01337932 SEP-22 -00 19:57 FROM ID , 2127502400 PACE 3/ , C- RA,1 L)As. SDNY_GM_02771481 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258289 EFTA01337933 SEP-22-84 I4,S7 FROM, 10,2127502408 PACE 4/ SDNY_GM_02771482 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258290 EFTA01337934 DEC-30-03 10.41 FROM. NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 ID.2127SOVIREI December 30, 2003 Jeffrey Colonial Bank Re: Main account #: VIA FACSIMILE: PACE 1/ TELEPHONE (212) 750-9790 TELEFAX (212) 371-8042 Please make the following changes to the above main account number: • Add a new card for Michael D.Friedman with a credit limit of $3,000, Social Security # Signature attached. • If you have any questions, feel free to contact me at the above number. SDNY_GM_02771483 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258291 EFTA01337935 DEC-30-03 10,41 FROM, Ted 10,2127502408 PACE 2/ SDNY:dM_02771484 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258292 EFTA01337936 NOV-I4-03 12,22 FROM. NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YOF1X. NEW YORK 10022 November 14, 2003 Colonial Bank Re: Main account #: VIA FACSIMILE: 113.2127502408 TELEPHONE (212)750-9790 TELEFAX (212) 371-8042 Please make the following changes to the above main account number: • Add a new card for 'th a credit limit of $3,000, Social Security # Signature attached. • If you have any questions, feel free to contact me at the above number. • Thank you, Eric Gany PACE 1/1 SONY_GM_02771485 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258293 EFTA01337937 NOV-I4-03 10:40 FROM. November 14, 2003 Colonial Bank Re: Main account #: VIA FAC$IMILE: NES, LLC FOURTH FLOOR 457 2.4ADtSON AVENUE NEW YORK, NEW YORK 10022 10.2127502409 TELEPHONE (212) 750.9790 TELEFAX (212) 3714042 Please make the following changes to the above main account number • Add a new card for with a credit limit of $3,000, Social Security tali Signature attached. • If you have any questions, feel free to contact me at the above number. you, Enc Gany Jeffrey Epstein PACE 1/: SDNY_GM_02771486 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258294 EFTA01337938 NOV-14-03 10.40 FROM. 10.2127602408 PACE 2/ . - SDNY_GM_02771487 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258295 EFTA01337939 JUL-11-02 11.23 FROM. July 11, 2002 Nancy Bruno/Ann Lufft PB National Bank Re: Main account #: WA FACSIMILE: 5 3 Pages 'D.2127502408 PAGE 1,3 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 TILEPHONE (712) 7504790 'TELEFAX (212) 371-8042 Please make the following changes to the above main account number • d a new card for Nicholas Simmonds with a credit limit of S4,000, ID # ignature attached. • Add a new card for Edwina Simmonds with a credit limit of $2,000, ID # Signature attached. If you have any questions, feel free to contact me at the above number. SDNY_GM_02771488 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258296 EFTA01337940 JUL-/1-02 11 ,23 FROM• 10,2127522408 PAGE 3/3 __1.1.)e,APLAC •-• SDNY_GM_02771489 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258297 EFTA01337941 JUL- I 1 -02 I 1 : 23 FROM• ID. 2127602408 PACE E~Intlrl f} Sibirnorlb3 SDNY GM 02771490 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258298 EFTA01337942 . 08-13,2002 02:20oo From- NES, LLC THE YU-ARO HOUSE 457 MADISON AVENUE NEW YORK NEW YORK 10022 2123718042 June 13, 2002 Nancy Bruno/ Ann Lufft PB National Bank Fax: Re: Credit card # Credit card name: Effective immediately please terminate the above credit card. T-615 P 001/C01 F-758 TELEPHONE (212) 750-9790 TELEFAX (212)3714002 SDNY_GM_02771491 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258299 EFTA01337943 APR-OS-02 15.44 PROM. ID.2127502408 April 9, 2002 Nancy Bruno/Ann Lufft PB National Bank Re: Main account #: VIA FACSIMILE: 5 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK NEW YORK 10022 5 PAGE 1/1 TELEPHONE (21 2) 750.9790 TELEFAX (212)3714042 Please make the following changes to the above main account number: • Increase the credit limit for Valdson Cotrin, Sub-Account # to $5,000. Add a new card for Adam Perry Lang with a credit limit of $5,000, Social Security # Signature attached. Leave the balance of $3,000 unallocated. If you have any questions, feel free to contact me at the above number. Jeffrey Epstein SDNY_GM_02771492 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258300 EFTA01337944 APR-09-02 15.44 FROM• To: Eric From: Adam Date: 418/02 Re: Signature for company credit card 10.2127502400 PACE 2/ SDNY_GM_02771493 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258301 EFTA01337945 REQUEST FOR CREDIT LIMIT INCREASE NAM 5, u -c- /sc.-GC, vy DATE 3 1 ,g-t toa- ACCOUNT NO. PRESENT LIMIT:$ • REQUESTED LIMIT:$ Sr, C C CC • UPDATED FILE INFORMATION: ( ie, address, place of employment, phone numbers, etc) COMMENTS: APPROVER DATE DECLINED BY DATE SDNY_GM_02771494 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258302 EFTA01337946 rNancy runo -Jeffrey Epstein - Pagel From: Arlene Girten To: Nancy Bruno Date: 3/29/02 10:55AM Subject: Jeffrey Epstein Hi Nancy. Mr. A called in from Utah this morning. He said to go ahead and put through the $10,000 increase without having to require any financial statements and he will sign whatever you need him to when he gets back. He wit be here on Wednesday so if there is anything you want him to sign, just send it to me and I'll put it in with all of his other mail. Thank you and have a wonderful Easter. SDNY_GM_027 71495 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258303 EFTA01337947 Ann Lufft- Dtianssepadresi ' Fagg 1 —• From: "Bella Tsukerman" < To: Date: 1/25/02 11:15AM Subject: Change address Dear Nancy, Please change address on individual statements on the Credit Card Acc# to : 457 Madison Avenue 4th Fl., New York, NY 10022 Best regards, Bella Tsukerman SDNY_GM_02771496 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258304 EFTA01337948 2127502408 JAN-24-02 16.04 FROM: 10.212 02400 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 0312 January 24, 2002 Ann Lufft PB National Bank Re: Main account #: VIA FACSIMILE: 56 TELEPHONE (2(2) 750-9790 TELEFAX (212) 371-4042 Please cancel the following card under the above main account number: • Sub-Account # Lcavc 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 PACE I/ SDNY_GM_02771497 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258305 EFTA01337949 MAR-14-02 12:07 FROM. 10,2127502408 March 14, 2002 Nancy Bruno/Ann Lufft PS National Bank Re: Main account #: VIA FACSIMILE: 56 NES, LW FOUR111 FLOOR 07 MADNON AVENUE NEW YORK, NEW YORK 10022 TELEPHONE a:2)7504)710 TELEFAX alb )7).1042 Please make the following changes to the above main account number: • Reduce the credit limit for Sub-Account Mto S3,000. • Reduce the credit limit for Sub-Account ii to $9,000. • Increase the credit limit for Sub-Account # 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. PACE 1/I SDNY_GM_02771498 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258306 EFTA01337950 2127502408 JAN-08-02 15:53 FROM: To: p8 National Bank/ Nancy Bnmo Fat 10:21: M2408 (Chek hat ale type Wm:A PACE 1 Fran: Jeffrey E. Epstein Data 1/3/02 Ra Credit Card Pages: I C:C: 5:1 Urgent O For Review O Please Comment El Mare Reply 0 Please Recycle • tiel."--;1!. -r4P Vt . 1:f 1/41; ..4"; Credit Card N Credit Card name: Valdson Cann Company name: NES LLC. 457 Madsen Avenue New Yak. NY 10022-6343 Please set up Mr. Vaidson Cann have access to cash advances at 100% of his card limit. Best r CAL_ - Rm— 5ov.rs con SDNY_GM_02771499 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258307 EFTA01337951 2127502408 DEC -10-.01 13,35 FROM. December 17, 2001 Ann Lufft PB National Bank Re: Main account 4: VIA FACSIMILE: 56 NES, LLC FOURTH FLOOR 457 WkIHSON AVENUE NEW YORK, NEW YORK 10022 '452409 TELEPHONE (212) 750.9790 TELEFAX (212) 3714042 Please make the following changes to the above main account number: • Add a new card for Valdson Cotrin, French Social Security 4 credit limit $3,000, signature attached. If you have any questions, feel free to contact me at the above number. r. Authorized — Jeffrey Epstein PAGE 1/ SDNY_GM_02771500 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258308 EFTA01337952 2127502408 DEG-.1B-01 173E Valdson Cotrin PAGE 2/ SDNY_GM_02771501 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258309 EFTA01337953 2127502408 NOV-15-01 11 .27 FROM. November 14.2001 Ann Lufft PB National Bank Re: Main account 4: VIA FACSIMILE: 56 ID.21: 02408 PACE NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK. NEW YORK 10022 FILE TELEPHONE (2 1 2) 750.9790 TELEFAX (212) 371.4042 Please make the following changes to the above main account number: • Reduce the credit limit for to 52,000. • Add a new card for $5,000, signature attached. Sub-Account P FAXED. Social Security # credit limit 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. FSICI SDNY_GM_02771502 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258310 EFTA01337954 Ann Lufft - NES CLC From: Nancy Bruno To: Lufft, Ann Date: 10/11/01 11:42AM Subject: NES, LLC Eric Ganey called regarding the statement address needs to be changed to: do Fourth Floor, 457 Madison Avenue, New York, New York 10022. His number is Can we set up two different addresses • one for billing and a separate address for renewals, notices, etc.?? C- C) r czsa 2 iw OT ti CL V ag-19(11c-c*-64--) c_co-sa Le. 0 ,1> InG Page 1 SDNY_GM_02771503 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_002583 I I EFTA01337955 MAY-16-03 13,22 FROM: 1D.2127602408 PACE 2/2 ZORRO RANCH 49Zon& Ranch Road Stanley; NM 87056 - facsimile transmittal Tec Bdla Klein Far 212 750 2409 maw 05/75103 Ra Sigma= Pap= I P4119 O Ursot O Fct Roam O PkoreConownt CI Plane Reply O Plow. Fbcycle 11 wid signalizes or you re:ads Velem are any problems or =cams please cal Wattled regads SDNY_GM_02771504 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_002583 12 EFTA01337956 OL/10/2O0* 111:04 JUS-Vp1/91 JAN-10-2005 05.21PV FROM- 1-351 P.002/005 F-777 NAME COLONIAL BAhK PAGE 02/02 REQUEST FOR CREDIT PMIT INCREASE ACCOUNT NO.' PRESENT LIMITS 3 S D a 7) REQUESTED LIMITS q•C OD D -0 DATE I/ (1/O_( UPDATED FILE INFORMATION: ( ie, address, place of employment, pnone numpers, —Curren+ 6 rc) 4 twe = `‘i)S-0. — LW+ —14 , 35, 0 0 D — ?Ls* DI. 0 knit-) ;n 10-/- 31 Tho,,-14:s —&V( 1./I,1 0 1-;inei ;,., 14.st 3.‘ MD(41,1 — 4COvni pie k -- SlD1 commErrs: iticS l If ils o, JO i r Je-rfre , Coat,n fIrCf4f..,_,, L 1 (. s:y--iiii.ani rtlel-ED,A.sip (.441, colon:d eolll ! 1 S2_- 1-1O-O5 APPROVED BY, DATE DECLINED BY DATE SDNY_GM_02771505 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 1O, 15, and 17 EFTA_002583 13 EFTA01337957