EFTA Document EFTA01338274

-1-6&e MIC • SDNY_GM02771962 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258770 EFTA01338274 \PALM BEACH NATIONAL BANr- & TRUST COMPANY IT it • :1X11 Name or 5511IROWER(S) Jeffrey E. Epstein ORIGINAL DATE First Request MAILING ADDRESS 457 Madison Ave. 4th Floor OFFICER H. Loy Anderson, Jr. • New York, NY 1002O OFFICER/ 1 REFERRING OFFICER Nancy Bruno PHONE LOAN GRADE 3 TAX to HS) OBLIGOR NUMBER . ithLATED i3gillOWERS • NAILS CODE / RELATIONSHIP APPROVAL TICKET BR: PB Prepared By: NJB LAST APPROVAL OWING AS OF ( 8/1/02 ) ( 6/21/02 DESIRED BASIS 144.5% Fixed $25,000 1:;§18 Annual Fee 1St: !:14.5% Fixed ellnEMPar. TOTALS $12,468 $35,000 525,000 $25,000 $12,468 $60,000 Visa Business credit card (unsecured) INO NES, Personally guaranteed by Jeffrey E. Epstein Visa Business credit card (unsecured) INO Jebe, Personally guaranteed by Jeffrey E. Epstein 6-PPROVAL 6/21/02 Date SDNY_GM_02771963 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258771 EFTA01338275 Y. BUS-NESS CARD APPLICAIION PALM BEACH NATIONAL BANK & TRUST CO. BRANCH PHONE U ..OMPANY NAME: JE0E s INC. SPECIFIC NATURE OF BUSINESS: ‘R-CAFIll-C INDICATE TITLE DESIRED ON CARD: OOOOOOOOOOOOOOOOOOOOOOOO (LIMITED TO 24 SPACES) BILLING ADDRr innbisoUR Tympp ORCA IZATION (PLEASE CHECK): UEI CORPORATION 0 PARTNERSHIP 0 PROPRIETORSHIP PROVIDE NAME 0 r CONTACT PERSON: 7.1.-".?...% e • b.1 prC-OCkpi STATE: DATE BUSINESS ESTABLISHED: II. INDIVIDUAL. INFORMATION PHONE N M ZIP CODE: /cot L. - TAX ID NUMBER: PRINCIPALS/OWNERS WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). PLEASE SIGN BELOW AND ON REVERSE SIDE. INDIVIDUAL INFORMATION MUST BE PROVIDED ON ALL GUARANTORS. • ,UARANTOR I: FIRST MIDDLE INITIAL LAST NUMBER: )EFL/ c CeSreini ADDRESS: STREET: API CITY: 3 St . CL e(444 1TREEE (SCA-C tf PREVIOUS ADDRESS:£Ai' A it: CITY: et STATE: STATE: DATE OF BIRTI : SO A // 20/13 ZIP CODE: 3inco ZIP CODE: TIME AT ADDRESS: OWN OR RENT: 0 ,Adl-) PJ POSITIONAM I COMPANY: MONTHLY PAYMENTS: Oi l ft, V. OWNERSHIP: 0 GROSS ANNUM:INCOME: TIME IN BUSINF,":„. HOME PHONE NUMBER: OFFICE PHONE., 2, t .751) -9 tit GUARANTOR 2: FIRST MIDDLE INITIAL NUMBER: LAST DATE OF CORTI,: SOCIAL SECURITY HOME ADDRESS: STREET: APT I: CITY: STATE: ZIP CODE: TIME AT ADDRESS: 4IREVIOUS ADDRESS: STREET: APT N: CITY: STATE: ZIP CODE: TIME AT ADDRESS: G. OWN OR RENT: MONTHLY PAYMENTS: GROSS ANNUAL INCOME: HOME PHONE NUMBER: I' OSITION WITH COMPANY: %OWNERSIIIP: TIME IN BUSINESS: OFFICE PHONE III. BANKING RELATIONSHIPS I ASE 1 111 ONLY YOUR ItOsINI SS MITIIN HANK TYPE OF ACCOUNT IF LOAN-SECURED on unisccuitEn ACCOUNT NUMBER AVERAGE UALANCE Palm nth Nat'l Dank Si Trust Comp. Business Mama- - ..- 7 I/O /3275-8 • IV. IN! II \'II II JAI <b\I<IIII<It III It LIST TIE NAMES OF ALL AUTHORIZED SIGNERS TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS USE. NAME (PRINT i may y; SOS kJ LA?_e..1 2tt\ori SIGNATURE A-VAC.WC0 TOTAL LIMIT REQUESTED V WI 1 INCIONIONS LIMIT REQUEST $ PIO 00 101000 S O00 $ TOLLING OPTIONS: IF REQUESTING MORE TIAN ONE ACCOUNT, PLEASE CHOOSE AN OPTION: O INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH NONE CONSOLIDATED MONTHLY BILUNO STATEMENT CASH ADVANCE ACCESS CAPABILITY: OYES ANO AT QUALIFIED AUTOMATIC TELLER MACHINES: OYES ZINO ANY 0 USINESS CARD ACCOUNTS CURRENTLY HELD WIT II THIS DANK?: 0 YES 0 NO ACCOUNT$ Applicant represents that this information is true and cortpletc, and authorizes the creditor to verify the infomution and obtain additional infomution concerning Company's credit standing, and to furnish such credit information to others. Company agrees lo be bound by and obligated according to the creditor's regulations. Applicant represents and warrants that the credit will be used primarily (50% or mon) for other than personal, family household a agricultural purposes. Applicant Understands that this representation Is to confirm that no disclosures are required under the Federal Trulloin-Laiding law. Applicant requests establishment of an account for each authorized user designated above or on the attached list, as may be amended In writing tom time to time by Applicant. Each such designated person is an authorized user and shall have the authority to use the accountdesignated for such authorized user until the creditor Is Milted in the contrary in writing by the Company. ' 'APPLICANT SIGNATURE: MINT NAME ff 41 DATE: CORPORATE TITLE: SONY GM_02771964 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258772 EFTA01338276 Visa Business Card Regula•Th ns The Undersigned Holder ab es lo the following lernts and conditions: 823lan's PALM BEACH NATIONAL BANK & TRUST COMPANY 3931 RCA Blvd Suite 3102 1'alm Beach Gardens, FL 33410 1. Agreement. These regulations govern the possession and use of VISA Business Cards ("card") issued by Palm Beach National Bank & Trutt Co. ("Issuer-) Each party that applies for a VISA Business Card is referred to in these regulations as a Holder. Issuer shall establish an account for each person designated by Holder as an authorized user ("Authorized User"). Holder consents and agrees to these regulations and to the terms contained on the cards, any sales drafts, credit Adjustment memos or cash advance drafts signed by or given to /folder or any Authonzol User. The provisions of these regulations. as they may be amended from time to lime as provided in these regulations, govern Holder's obligation., nomidutanding any additional or different tens contained in the cards, sales drafts, credit adjustment means and cash advance drafts or any other documents evidencing an account transaction. Holder authorizes an investigation of its credit standing prior to the issuance of cards and at any time thereafter, and authorizes disclosure of intonation to third panics relating to its credit standing. If Holder or Authorized User requests any VISA Business Card services. Holder cc Authorized User consents to the release of Holder's or Authorized User's personal data to VISA USA, Inc. and its member financial institutions and/or their respective contractors fix the purposes of providing such services. 2. Membership. A non-refundable annual membership fee of WA will be assessed per card. Holder represents that cards will be used exclusively for business purposes and not for personal, family, household or agricultural purposes. 3. Use of Card. Credit for purchases frorn a merchant or cash advances front a participating financial institution maybe 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 liability for purchases nude or cash received. The Bind may also be used to obtain cash advances from certain automated equipment provided it is used with the cared personal identification number ("P1N'). The amount and frequency of cash withdrawals and purchases may be limited. Except as provided below with respect to Holder's liability for unauthorized use where Issuer has issued ten (10) or more cards at Holder's request. Holder will be liable up to a maximum of $50.00 for the unauthorized use of a card or PIN issued at Holder's request lee charges that occur before Issuer receives notification orally or in writing of loss, theft or ;Kathie unauthorized use ors card or PIN. If Issuer has issued ten (10) or more cards at Holder's request, Holder will be liable for any and all unauthorized use of a card. Unauthorized use is any use by an Individual other than an Authorised User If without the knowledge or consent of the Holder. Any use of the card or PIN by an Authorized User, or by any other with the knowledge or consent of the Authorized User, or Holder, is authorized use. Lost or stolen cards or PIN. should be reported Immediately to Issuer by notifying DanliCard Center, P.O. Box III!, Madison, WI 53701.111 I, Telephone (608)8294100 or 1400421.5920. Holder shall be liable for all charges, fees and other costs that accrue on each account. • 4. Credit Line. Holder will from time to time be informed of the amount of the approved credit line under each account established for Holder, and Holder covenants not to make, authorize or allow credit purchases or borrowings in micas 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 louse the cards. S. Payment. Holder will be furnished at the address identified by Holder, a monthly statement for each account for each billing period at the end of which there is an undisputed debit or credit balance of 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 Of, (b) a lilledmunt Payment of the greater of S20 or Vs of the New Balance. shall be paid within 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 melees: after 2:00 P.M. on any Monday through Friday, hut esctuding federal legal holidays. or at any time on any non-banking day will be considered as payments made on the following banking day. All payments will be applied lint to interest, second to additional fees, if any, in the order of their entry to the account, third to previously billed cash advances, purchases end 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 do which there Is a cash advance or the Previous Balance is not paid in full price to the Closing Dote of the billing raw - Is enetpnent by •nnlysna too tannthly yerladly rat* or 1.208% (ANNUAL PERCENTAGE RATE OF 143%) to the average daisy balance of the account. To gel the average daily balance, we take the beginning balance of the account each day, add any new cash advances, credit purchases and other charges, and subtract any payments or credits, unpaid ate charges, unpaid membership fees and other unpaid fees. This gives us the daily balance. Dated this 7 day of A)/1) , 7 von_. Name of Holder (N ICorporatIon, Partnership, Proprietorship) By: Author' ed Sip tau 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 avenge daily balance. Interest accrues on credit purchases beginning on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of avenge daily balance if the Previous Balance shown on the front of the statement is paid in full prior to the Closing Date. Ininat on cash advances begins to oettie on the date thy advance Is posted In 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 Dosing Date for that statement. T. Additional Feta. Each account shall be subject to the following addi- tional fees: (I) S25 late charge If any minimum payment is not paid in lull on or before the due date shown on the monthly statement issued immediately after the monthly statement on which the unpaid minimum payment first appears; (2) SII0 for each cash advance; (3) S5 for replacement of a card; and (4) reasonable charges according to the then current fee schedule for additional copies of monthly statements, drafts and receipts requested. 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 transaction amount will be converted to US. dollars by VISA International. VISA converts foreign currency to US. 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 I% 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 date and the posting dale identified in the monthly statement for the account. Holder agrees to pay charges and accept credits (or the converted transaction amounts in accordance with the terms of this paragraph. 9. Disputes. Issuer is not responsible for refusal by any merchant, finan- cial Institution or automated equipment to honor or accept a card. Issuer has no responsibility for merchandise or services obtained with a card and any dispute concerning merchandise or services will be independently settled by Holder with the merchant concerned. 10. Default. Holder covenants to observe and comply with these regula- tions and not to permit an event of default to occur. Holder further covenants not to take any action or permit any event to mete which materially tapirs Ilcilder's ability to pay when due. Upon the occurrence of any one or more of the following events of default; (a) Holder fails to pay at least the Minimum Payment when due; (b) Holder dies, ceases to exist, changes residency to another state, becomes insolvent or the subject of bankruptcy or insolvency proceedings; (c) Holder fails to observe any covenant or duty contained in these regulations; (d) any item in any financial statement delivered by Ilolder to Issuer is false in any material respect when given; or (e) the occurrence of defauh under any agreement securing the obligations hereunder, the full amount of Holder's account shall, at issuer's option become immediately due and payable. Holder agrees to pay all costs of collection before and after judgment, including reasonable attorneys' fees (including those incurred in successful derma< or seitkrnem of any counterclaim brought by Holder or incident to any action or proceeding involving Holder brought pursuant to the United States Bankruptcy Code). II. Right of Setoff. Issuer has the right of setoff against any deposit account !folder maintains with Issuer to satisfy any obligations of !balder to Issuer. 12. Termination. Holder's consent to these regulations may be terminated at any time by surrendering the cards issued to *Polder or at Holder's request, but 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 terminated, the privilege to use the cards shall expire on the date shown on the cards. At any time, without liability to Holder and without affecting Holder's liability for credit previously extended, Holder's privileges to use the cards may be revoked or limited by Issuer to the cant not prohibited by law. The ards are and shall remain tire property of Issuer and Holder agrees to surrender them to Issuer upon demand. Holder agrees to notify Issuer imrredtately of any cancellation of an Authorized User's charging privileges. Holder shall return to Issuer any cards issued to Authorized Users whose privileges have been terminated. 13. Amendments. Issuer may amend these regulations and may amend the charge terms from time to time and wig mail to Holder at Holder's last known address as shown on the records of Issuer mitten notice of any such change not less than 15 days prior to its effective date, or as otherwise required by law. Invalidity or tiny prevision or that reoutslions 'Fell not aliel the validity of any other provisions. 14. Governing Law. Holde; agrees to be governed by Florida law with respect to all aspects of the transactions arising under these regulations. FORMA 950001 REVISEDO099 SDNY_Gisl_02771965 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258773 EFTA01338277 If the applies,. Pw Be Account is append. then the following Guaranty will be effective. If the application (or the Account b not approved, then the following Guaranty is null and void. CONTLYUING UNLIMITED GUARANTY. For good sad valuable coruidention and for the payou(s) pf hadueing Palm Beach National Bank & Taut Canna ny ("Bank") to talent make, renew, Modify and or continue itt tined, mate. tem or modify the Business Credit Card Account of )Cow l I a-S (the 'Borrower) the uglenigned Guaranlor (pinny and severally. if met than one, "Guarantor") absolutely and unconditionally guarantees and prom us lo pay to Bank or its order, on demand, in hwfally obtained legal tender of Ike United Suit, Of Ammo. Ilse Account indebtedness of the Elonower lo Dank on the knin ord auditions set fonh in this Guaranty. Under thia Getman the liability of Guarantor it unlimited ard the Obligation' of Guanntor are continuing NATURE OF GUARANTY. Guarantor's liability under this Guaranty shall be open and continuous Poe so tong es this Guaranty remains in lone. Guarantor intends to guarantee at all times the enfeenuact and pony' payment when Mu whether at nanny or earlier by reason of acceleration or othemise, of all Account indebtednese. Accordingly. no payments node won the Mcosmi ndebtedeess will discharge or diminish the continuing liability of Guarantor in connection with any rum ining portions of the Account indebtedness or any of the Account indcbtedneu which wabsequenaly mistn or is Mena Ilse Incurred or contracted Thu b rot a special guaranty. DURATION OF GUARANTY. Ibis Guaranty will take effect who received by Dank without the necessity of any acceptance by Bart, or any omit to Guanine* or the flusineu, and will cilatinue in Ml forte until all Account indebtedness fared or contracted before receipt by Bank of thy Mice of revocation shall have been fully and Arany paid and satisfied and all other abliga limn of ammo' under this Guaranty than have been performed l Ml. If Guarantor Netts to revoke this Guaranty, Guarantor may only do to in writing. Written revocation of this titsaniny will applyonly to advances or new Account Indebtedness muted after actual receipt by Dank of Guarantor', written temptation. .pla Cum onV and Guarsator's oblIgatioaa hereunder remains idly enforceable Itrapecilve of any clam, defense or counterclaim which Borrower may aunt on the Account 'alebiesdness, Including but lot Ilmind to Mine of tender' ilon, breach of warranty, payment, alsnrt of Bawds, statute of Um/intone, accord and sulsfsctIon, and usury, am of C be hereby waives along with any titan: by Cucuta 10 assert any said claim, defense or (ouster darn. GUARANTOR'S AUTHORIZATION TO PALM BEACH NATIONAL BANK & TRUST COMPANY. Mannar awkeites Bank, either before or after any et vocation hems& without notice or demand and without lessening Guarantor', liability under ilala Queenly, from time to nose to alter, aupplunnot, compromise, modify, renew, enema, terminate. accelerate, waive or otherwise change one or mere thaws the time for payment or other terms, conditions, or provision. of the Account. tabAltANTOR'S Knit 'Seth, ATIONS AND WARRANTIES. Omancaw reptesents and sum nu to flank that Is) no repmentatiom Of spiernenu of any kid have been nude to Guanacos which would licit or qualify loony way the terms of this Guaranty: (b) Guarantor hie to its out satisfaction, independently investigated (and relic, eukainlY oak 0 1301wolaael Cadet history: Oil Borrower's payment hinny with WA. if thy; sod Bin Donowees paµ [until. 'Ed projected Financial conditiou CO Upon Banks. request, Guinan, wit provide to Bank financial end credit infonattim in foem acceptable to Bank and (d) Guarantor his established adequate ream of obtaining from Benowne on a continuing tons Information retooling Borrower's Anancial coalition Guarantor agrees to keep adequately Informed from nth menu of any fans, evens, or eirtuiratances which might in anyway affect GoanOar's risks under this Granny, and Guarantor feather agrees dal alter" a repast for infomution. Dank shall have no obligation b thickset b Ommatoe any infomution or dm-unman 'squired by Bank in the course of its eclat 'whip with Barone r. GUARANTOR'S WAIVERS. Deem as prolibited by applicable law. Guarantor waives say right to require Dank (a) lo make any omens:mat, Mieµ demmd or sties of nay kind, including make of any nonpayment of the Account indebtedness or rake of any motion or nOnatlial on the pan of Dormer o. (b) to mon for payment or b proceed di:telly or at once @pint any person lording Borrower or any ohm Gunnar. :r pow or hereafter Borrower shall be or become insolvent, Guararnor hereby forever woks and rtlinquishts in favor of Bank and Borrower, and their respective successors, any claim. right or remedy to periwig Guarantor nay now hen a hereafter hove or acquire apricot Borrower That a Hut hereunder and/or performance by any guarantor including without liniutiotth any think Rowdy or tight of subrogation. re nibunemene. eaormation Inds mnification. or pankipatkin in any claim right or remedy of Dank spigot Borrower, *tether or not such claim. eight or remedy wan In equity, sander counsel statute, common law or otherwise. by subrogation or mit nein. so Out at no bate shall Guarantor be or become $ "creditor" of Borrower within the meaning of I I U S.C. Section 347(b), or say successor province of the Federal bankneticy laws. Guarantor also waives any and all rights a defenses seising by reason of any election of renedies by Bank which destroys or otherwise adversely affects Guarantor's stitantation eights or Guarantor', rights to proceed 'phut Borrower for rtindonnement including without limitatiou say to,, of rithu Guarantor may suffer by reason of any law Uniting, qualifying, or dischwging the ).{math indeblednas. If paymeM is mode by Borrower, whether vohrstanly or of or by any third pony, on the Account indebtedness and thereafter Bank is forced to tenth the amount or C pawner to Borrower's Mow in banknorty or so my similar person under any federal or state bankmerty law or law for the relief of debtors, the Indebtedneu shall be considered unpaid for be pup:tieof enforcement of this Guanny. This provision shall furtive ambition of this Guaranty. RIGHT OF SETOFF. Guarantee authorizes Dank lo the extent permitted by appleabk hw, 10 charge, withdraw or setoff all sums owing on the Account against any and all the accounts set forth below in the Anoints section without prior demand or notice to Guarantor. ACCOUNTS. Accounts shaft include all Guaramoris awaits. octants (whether <baking savings, or some other account) or securities now or hereafter In the pouttsion of of on deposit with Bank or with any BUB'S of or subsidiary Including without titillation all accounts Mkt joialy with sergeant I be and all account' Guanmor may open in the Anne. excluding however. all IRA, Keogh and neat .nomµ MISCELLANEOUS PROVISIONS. The following miscellaneous prmitions are a pan of this Guaranty Amendments. This Guaranty combines the Wise urdenthuling. and *greenest of the panes as to the matters tat forth in this Guaranty and supersedes all pia undernandint and neaten:44cm.. oat or mitten, with rts;tzt to the sobject wither ham( No attention of or omendnum in this Gann nly shall be effective unites given in writing and signed by the party or pank. sought so be charged or bound by the alteration or amendment. 'Applicable Law. This Guaranty shallbe governed by ant common:In meordane w it% Me laws arta sun when the Inning Bank reretorted above n•intains Its prinripal office. A Haney's Fee; Ethemes. Guarantor agrees to pay upon &mord all of Dank's cow and cape/um, including reasonable anorney's fees and Book's legal capemes, incurred in connection with the .account or the adortninnt of this Guaranty. Bank may payouts's* else to help enforce this Grammy and Guarantor shall pay the costs and empeases of such enforcement. Coats and expenses mein& Bank's reasonable anonyms' fees and legal expenses whether or not there is s anemia, foe bankruptcy proceedings (and including effort to modify or vacate any atenutic stay or linnet:on\ appeal., and any anticipated posiluderroM collection nreices. Guarantor also non pay all covet costs end .mach additional fees as may be directed by the conl interpret alien. la all cases where there is more dun one Borrower oe Guarantor. then all words toed in this Guaranty in the singular shall be deemed to have beta used in the plural where the nznell and compaction so require; and when there b more than one Borrower named in this Guaranty or when this Guaranty is catcalled by niort thin one Guarinthr, the words Borrower end "Guarantor tespenively shall mesa all and any one or more of them. TM weeds -Guarantor," 'Borrower; end - Bank; include the heirs. successors, assigns, and em inferno of each of thaw ;pukes Mediu' In this Guaranty ant for convenience purposes only and are not to be used to Interned at define Be provisions of this Guaranty. Ns out of conspeUnt jurisdiction finds any :Walker of this Gurney to be brad or unenforceable al to any person or circumtunes, such riming shall not render that provision invalid or unenforceable es 43 any other persons or iircumounces, and all peovisions of this Guaranty In all other respect. shall renal in valid and enforceable. Waiver. flank dull rot be deemed to ban waived any rigisti Mee this Guannty mks. suck waiver is given in writing awl Jived by Dank. No delay or omission cm the part of Dank In esertising any right shall operate as a wring of such righter any other right A *liver by Bad Ms provision of this Guaranty shall not prejudice or casuist< a waiver of Bank', eight otherwise lo demand svot tOmplienes weh that provision or any other morision of this Guaranty. No prior waiver by Bank, nor any course of dealing between bade ad Guarantor, shalt comatose a waiver of airy of Bank's rights sir of any olt ninnaris obligation, as no any Muse nonunion& Whenever the consent of think b reprised under Mb Guarenty, the yarning of such consent by Bank inlay innate. shill not COoStiCkne continuing consent to subsequent Instances when such consent is required and in all casts luck Consent maybe granted or withheld in the Mk discretion of Rank. There are costs associated with the me of thit credit Cant For interne information regarding the costs, please write us at Palm Beach National Dank & Trust Company. P.O. Boa I(111, North Palm Beach. Florida 13401 or call as at kid 24.7)6S. The undersigned catlike that at, swerveau in this Appliesuat and on each dower required to be submitted In connection herewith. iodating federal Income Us Moth are true. tarter ad colglele. TheundersigedauthorzesPalmBeachNaturalDank&TrustConpybrtlypronsuchautenenttnukesuchlrgnirta.dgatheraachInformationasPalmBeachNatoelBankA Trust Company deems nett nuy and reasonable to verify arty Infomution provided to Palm Beach Unbent Dank & That Conpany on this Application on any 20th required document hethling inquires to the Internal Revenue Service, business credit mooning sad credit burtsa agencies and association& and further authorizes Palm Beath National Dank & Trust Company. its lolling Larceny and affiliates and related service corpontim b exchange this oppliration, the information curtained in or submitted with this Application and aft backing minimal* infonnatiott with with other and %Id. bminess credit rthortIn or credit bureol outwits and associations rod creditors of the tthiervigned The ondenigned anther oven to notify Palm Pearl, Unload Bank A 'fadeCompany promµly of any mistrial change in saysuch infocnution Ykl amderrigeted certifies that heat has full authority to act on behalf of *opticianlin coo sec don with thls credit request. f:ACII UNDERSIGNED GUARANTOR ACKNOWLEDGES IIAVING READ ALL THE PROVISIONS OF Tills GUARANTY AND AGREES TO ITS TERMS. ii.UARANTOR NAME PRIMED DATE irFicn CPSICl c 1/0 Phan deliver your completed application along wilt the required document' to your Pah" Death National Bath &Trust Company representative for peocessing, SDNY_Ghl_O27 71966 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258774 EFTA01338278 rnuo „1 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 March 31, 2005 Jeffrey Colonial Bank Re: Main account -34.6f #: 0 1153 4000 6468 TELEPHONE (212)750.9790 TELEFAX (212)371-8612 VIA FACSIMILE (561 616-4092 l Please make the Ito • g changes to the above main account number: • Add a n G. Hammond with a credit limit of $2,500 Social Security # • Reduce Larry nison credit limit to $2,500. If you have any qtiestio feel free to contact me at the above number. Th you, tic Gany SDNY_GM_02771967 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258775 EFTA01338279 X Financial Statement/Application/'ex Returns • Appropriate Terms/Amortization No Policy Exceptions Key Policy Exceptions Credit History Loan-to-Value Ratio Debt-to-Income Ratio Satisfactory Appraisal Debt Service Ratio Personal Guarantees Constr. Loan Ratios Closing Requirements No Temdte/Roof Insp. No Deposit Rellshp Policy Exceptions must be explained in the POLICY EXCEPTIONS paragraph of the Loan Presentation Write-Up. DEBT RANGE: (CREDIT LINES) 2000-2001 L MAXIMUM rdJNtMUM 112.1.YS OUT OF DEBT: 1999-200 1998-1999 i ACCOUNT TYPE DIRECT RELATED TOTAL Avg. Col lee Lend. Bal. Avg. Col let Lend. Bal. Avg. Collected DDA 0 0 0 0 0 i..—.— Money Market 0 0 0 0 0 Time 0 0 0 0 0 Savings 0 0 0 0 0 Total 0 0 0 0 0 Profitability Average ( Months) $ SUMMARY OF BANKING RELATIONSHIP: (date opened, account numbers, related accounts, etc.) 11AY. : ACCT# DATE OPENED ALB 110003094 Mar-91 S 5,512 110003162 Mar-91 $ 87,143 110019191 Jan-94 ationni is 124, rALPO 110097453 Oct-97 S 4,866 110132758 Jan-01 $ 54,533 7166030107 Aug-99 $ 113,800 FEES ri PAID LOAN IN CASH FINANCE PROCEED OTHER: LOAN FEE : :DC STAMPS 1:1TANGIBLE TAX f TN FEES • ICC FILINGS :-.ITERESP CITHER: SIGNERS & TITLE: CHECK// ACCT/ WIRE OTHER: i*AYMENT METHOD: COUPON BILLING X AUTO CHARGE ISIAN DATE: TED FIRST PAYMENT DATE: Standard DATE DOCUMENTS NEEDED: TED ACA/ SDNY_GM_02/71968 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258776 EFTA01338280 s•%.FUL AG)tillb - 11115 rorm rronucea by Equifax I User Reference: ANAL Page 1 of 2 1n_quiry Information; Date of Inquiry: 06/05/2002 UserID: ANNL Subject Information: Name: SSN: E stein Jeffrey E Current Address: 457 Madison AV New York, NY 10020 BSrautilesults ENH BEACON SCORE: 699 00022/00010/00008 ACCOUNT NOT PAID AS AGREED, PUBLIC RECORD OR COLLECTION AGENCY FILING PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS TOO MANY INQUIRIES LAST 12 MONTHS SSN ISSUED-67 STATE ISSUED-NY * 048 EQUIFAX INFORMATION SERVICES LLC, 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,10022,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 SSN VER - Y 01 ES-,SELF EMPLOYED 02 EF-CONSULTING PRES,J EPSTEIN CO,NEW YORK,NY 03 E2-,BEARS STEARNS FN -307 eSUM-02/77-05/02,PR/OI-NO,COLL-YES,FB-NO, ACCTS:11,HC$1000-205K, 10-ONES, 1-0TH ER. COLLECTION ITEMS LIST RPTD AMT/BAL DLA/ECOA AGENCY/CLIENT 10/98 12/98 $180 08/98. 465/C93 DRS BUSBUR $180 U IMAGING ASSOCIA STATUS/SERIAL UNPAID 2853977 - FIRM / IDENT CODE CS RPTD LIMIT MICR BAL S DLA MR (30-60-900MAX/DEL ECOA/ACCOUNT NUMBER OPND P/DUE TERM 24 MONTH HISTORY BKCARD SER•6680N9235 R1 05/02 1000 - - - 0 04/02 41 2/541329534000 11/98 CREDIT CARD CHASE NA *4268B3859 R1 05/02 18600 0 02/02 28 I/526327100960 03/85 CREDIT CARD CHASE NA •4960N598 R1 05/02 5500 16 05/02 43 1/4305870160 10/98 10 CREDIT CARD BLMD/FDSB 0,404DC21 R1 03/02 2001 0 30 I/445507 01/79 --- Ithps://www.ep ort.equ i fax.co &cc] ails ervIe t/com.equ fax.gt. e d alu i.Res ul Rout e r 6/5/2002 SONY_GM_02771969 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258777 EFTA01338281 ..... tta Mb rums (tom.= Dy cquirax User Reference: ANIott Page 2 of 2 CHARGE HSBC BANK •1008853 R1 04/01 8300 0 04/00 53 I/521531700129 10/96 PAID ACCOUNT/ZERO BALANCE ACCOUNT CLOSED BY CREDIT GRANTOR STBC CLASS•4470N17753 R1 05/94 2000 0 37 1/583029 04/91 REVOLVING TOTALS 27101 10300 16 10 AMEX •402BB48257 01 04/02 --- 181K 32214 04/02 I/-006430063018384481 02/77 CREDIT CARD • AMEX *4021348257 01 04/02 --- 205K 94724 04/02 01 I/-006430063018336622 10/77 CREDIT CARD AMEX •4028848257 01 04/02 --- 23439 16386 04/02 01 I/-006430063018316341 10/00 --- --- CREDIT CARD AMEX •4028848257 01 04/02 --- 15400 0 03/02 01 I/-006430063018358391 06/77 CREDIT CARD ' OPEN TOTALS --- 424839 143324 GRAND TOTALS 27101 435139 143340 10 CHASE NA •426883859 11/98 --- 06/97 526327100939 03/85 LOST OR STOLEN CARD CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT •INQS-INPOLINK 6002802220 01/03/02 PBNATBKOR 465B819416 08/21/01 PDNATEM&TR 4650819416 09/10/01 TAMINSPEC 496I200338 07/10/01 END OF REPORT EQUIFAX AND AFFILIATES - 06/05/02 SAFESCANNED hups://www.eport.equifax.com/edat/servlet/com.equifax.stedalui.ResultRouter 6/5/2002 SONY_GM_02771970 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA (X1258778 EFTA01338282 CUSTOMER PROFILE BANK 534 COST CUST NAME - BALANCE SUMMARY NEXT = PAGE 1 06/05/02 08:31:46 00000002550 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 561-655-7626 BRANCH PALM BEACH OFFICE PRIM OFFICER H LOY ANDERSON COST CENTER 0000200 SEC OFFICER DOROTHY WILSON BIRTH BNK APPL 534 CC - 534 DP 00110003094 - 534 DP 00110003162 534 DP 00110019191 - 534 DP 1111.174 - 534 DP 534 DP 07166030107 - 534 HH CIC3209 - PRESS PA1 ACCOUNT NUMBER S OPEN P RELATION CDTYP BALANCE SRA O 11-98 P AUTH SIGN • cm • O 03-91 P SOLE OWNE N 015 5,933 N • O 03-91 P SOLE OWNE N 015 102,491 N • O P SOLE OWNE M 014 1,794,477 N • O 10-97 P SOLE OWNE N 015 4,816 N * O 01-01 S AUTH SIGN D 075 12,715 N • 0 08-99 P SOLE OWNE C 028 114,530 N • 0 09-00 P HH RELATE FOR NEXT PAGE OR USE OPERATOR LOGICAL PAGING COMMANDS SDNY_GM_0277197I SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258779 EFTA01338283 10 ACCOUNT: 0110003094 INQL NAME: EPSTEIN JE 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: 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: 0 RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 `IN: S ESCBAL: .00 0-M1AI 'PHIAL BALANCE .Y: 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 AUTHORITY: 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 06/21/02 0 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 71972 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258780 EFTA01338284 - 401 ACCOUNT: 0110003162 IN( NAME: EPSTEIN J HHOLD 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: 200,000.00 STOPS: Y HOLDS: N #' DEBITS: 59 BATS IND: N S'•AVG HAL: CONS OD: 0 LAST CONTACT: 06-20-02 UAF EXCEP TERM: 0 RELATED LEDG BAL: 0 /WAIL SCHEDULE: 001 TIN: S ESCBAL: .00 STOP PAY ON THIS ACCOUNT hewn TRIAL BALANCE :RY: 202 SEARCH: NOW ACCOUNT 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_GMJM771973 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258781 EFTA01338285 ACCOUNT: 0110019191 INQU NAME: EPSTEIN JE BRANCH: 2 TYPE ACCT: 014 STATUS: DATE LST TRAM: 06-19-02 DATE LST STMT: 05-31-02 DATE LST DEP: 06-19-02 LAST DEP: 4,000,000.00 STOPS: N HOLDS: N # DEBITS: 21 ATS IND: N S 'AVG SAL: CONS OD: 0 LAST CONTACT: 06-19-02 UAF EXCEP TERM: RELATED LEDG BAL: AVAIL SCHEDULE: 001 TIN: S ESCBAL: .00 t: •1 • 0 0 SKIRL BALANCE 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 14:00:16 06/21/02 AUTHORITY: 0 LEDGER: 5,065,726.89 CURBAL: 5,065,726.89 AVAIL: 5,065,726.89 REL AVAIL: .00 AV LED: 1,184,060 OD CODE: 0 OD LIMIT: STMT ENC: 1 TIMES TRANS: PND STMT CYC: 101 DORM INT: .00 CLSE BAL:5,067,732.25 ACTION CODE: LAST OD/NSF: 00-00-00 AVL EXCPN PLAN: 000 MARKET: 0000 0 SDNY_GM_02771974 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258782 EFTA01338286 .,poeus Kt TRIAL BALANCE ACCOUNT: 0110097453 IN( :RY: 202 SEARCH: NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 015 STATUS: DATE LST TRAN: 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: 0 RELATED LEDG BAL: 0 AVAIL SIM, TIN: S ESCBAL: .00 NOW ACCOUNT OPEN DATE: 10-21-1997 OFFICERS: 00001 00024 SERV CHG: 004 CHG/NO CHG: 1 ANL CYC: 165 STMT CYC: 165 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN 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_GA4_02771975 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258783 EFTA01338287 ev.A.AJW.41 1 ACCOUNT: 0110132758 INQ1 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 IA DEBITS: 4 ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 06-04-02 UAF EXCEP TERM: 0 RELATED LEDG BAL: AVAIL SCHEDULE: 001 TIN: ESCB 0 LpaylKX TRIAL BALANCE if: 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_02771976 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258784 EFTA01338288 ms AXIAL. bALANCE 14:09:10 06/21/02 ACCOUNT: 7166030107 INQI NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 028 STATUS: DATE LST TRAN: 08-24-99 DATE LST STMT: 03-29-02 DATE LST DEP: 08-23-99 LAST DEP: 100,000.00 STOPS: N HOLDS: Y # DEBITS: ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 08-24-99 UAF EXCEP TERM: 0 RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 TIN: ECBAL: .00 ZY: 202 SEARCH: AUTHORITY: 0 CERTIFICATE OF DEPOSIT ACCOUNT OPEN DATE: 08-24-1999 OFFICERS: 00024 00018 SERV CHG: 500 CHG/NO CHG: 0 ANL CYC: 100 STMT CYC: 100 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:02-14-01 UAF LIMIT: 99999999999 AVL EXCPN DATE: 00-00-00 POST ACH: N r:DCLLAR 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: 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_02771977 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA_00258785 EFTA01338289 Masi Bruno - Jeffrey Epstein Pagtil 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 535.000. 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 525.000. 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_02771978 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258786 EFTA01338290 From: Nancy Bruno To: Girten, Arlene Date: 6/10/02 4:20PM Subject: Re: Jeffrey Epstein No other loans -Just deposits >» Arlene Girten 06110/02 04:05PM >» Hi Nancy. Does he have any other borrowings with us other than his credit cards? N:•• SONY_GM_02771979 SUBJECT TO PROTECTIVE ORDER PARAGRAPHS 7, 8, 9, 10, 15, and 17 EFTA 00258787 EFTA01338291