EFTA00186331.pdf

BR: PE • PilLM BEACH NATIONAL BANI & TRUST COMPANY 'Lg. Tin 5.741!Name of V RROWER(S) .. Jeffrey E. Epstein ORIGINAL DATE First Request MAILING ADDRESS 457 Madison Ave. 4th Floor OFFICER H. Loy Anderson, Jr. . New York, NY 10020 , OFFICER // 1 REFERRING OFFICER Nancy Bruno PHONE LOAN GRADE 3 TAX ID A(S) OBLIGOR NUMBER AELATED 1/41(9fiROWERS • • . NAICS CODE S RELATIONSHIP APPROVAL TICKET Prepared By: NJB LAST APPROVAL OWING AS OF ( 8/1/02 ) ( 6/21/02 ) DESIRED BASIS 1:14.5% Fixed :/ifl.8 Annual Fee s. 14.5% Fixed L_ tDf • $25,000 $12,468 $35,000 $25,000 ; TOTALS $25,000 $12,468 $60,000 Visa Business credit card (uncerured) INO NES, Personally guaranteed by Jeffrey E. Epstein Visa Business credit card (unsecured) 1NO Jebe, Personally guaranteed by Jeffrey E. Epstein *tPPROVAL • 6/21/02 Date EFTA00186331 J. BUS-NESS CARD APPLICATION PALM BEACH NATIONAL BANK & TRUST CO. BRANCH PHONE # -OMPANY NAME: fc6e t INC. INDICATE TITLE DESIRED ON CARD: (LIMITED TO 24 SPACES) BILLING ADDRR sn CITY: STATE: 40 7 i _ (nrIbiSGA) pi id C.--0 yo h. ic, fLy TYPE,PF ORGANIZATION (PLEASE CHECK): DATE BUSINESS ESTABLISHED: IPITCORPORATION O PARTNERSHIP O PROPRIETORSHIP PROVIDE NAME O CONTACT PERSON: PHON grat4.% t— toi SPECIFIC NATURE OF BUSINESS: ‘P-C-Itarr OOOO OOOOOOOOOOOOOOO OOO II INDIVIDUAL INFORMATION ZIP CODE: /00 TAX ID NUMBER: PRINCIPALS/OWNERS WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOLNT(S). PLEASE SIGN BELOW AND ON REVERSE SIDE. INDIVIDUAL INFORMATION MUST BE PROVIDEDON ALL GUARANTORS. •illARANTOR I: FIRST NUMBER: MIDDLE INITIAL LAST jeratcy CeSre-4 ADDRESS: STREET: APT #: CITY: ( 4-- f Cj4-41TREET: 6acti- pc, PREVIOUS ADDRESS: A STATE: CITY: STATE: DATE OF B7: /3 ZIP CODE: 3 3iige ZIP CODE: TIME AT ADDRESS: SOCIAL SECURITY TIME AT ADDX: (et i OWN OR RENT: MONTHLY PAYMENTS: GROSS ANNUAL:INCOME: HOME PHONE NUMBER: CI-t/OfJ POSITIONAITH COUPANY: % OWNERSHIP: TIME IN BUSINES.S2:, en...O . 0 0 -NA-5 GUARANTOR 2: FIRST MIDDLE INITIAL LAST DATE OF BIRTH: SOCIAL SECURITY NUMBER: HOME ADDRESS: STREET: APT #: CITY: STATE: ZIP CODE: TIME AT ADDRESS: -PREVIOUS ADDRESS: STREET: APT #: CITY: STATE: ZIP CODE: TIME AT ADDRESS: r; OWN OR RENT: MONTHLY PAYMENTS: POSITION WITH COMPANY: V. OWNERSHIP: GROSS ANNUAL INCOME: TIME IN BUSINESS: HOME PHONE NUMBER: OFFICE PHONE III. BANKING RELATIONSHIPS Oil 1:AS1' I IS I (IN! Y YO( HI ',moss A(COIININ) BANK TYPE OF ACCOUNT IF LOAN-SECURED OR UNSECURED ACCOUNT NUMBER AVERAGE BALANCE Palm Bch Nat'l Bank & Trust Comp. Business Checking.. — • $ IV. INDIVIDUAL CARDHOLDER LIST THE NAMES OF ALL AUTHORIZED SIGNERS TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS USE. NAME (PRINT) 1)11\ it0,): Pobee S 571cwal y,sosici eno t so"' SIGNATURE ATitqc.ttc0 TOTAL LIMIT REQUESTED I III I MI It/V. LIMIT REQUEST $ 1O,o 00 s 10 °op S 00e) $ $ BILLING OPTIONS: IF REQUESTING MORE THAN ONE ACCOUNT, PLEASE CHOOSE AN OPTION: O INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH %ONE CONSOLIDATED MONTHLY BILLING STATEMENT CASH ADVANCE ACCESS CAPABILITY: O YES WO AT QUALIFIED AUTOMATIC TELLER MACHINES. O YES ZINO ANY BUSINESS CARD ACCOUNTS CURRENTLY HELD WITH THIS BANK?: O YES O NO ACCOUNT if Applicant represents that this information is true and complete, and authorizes the creditor to verify the information and obtain additional Information concerning Company's credit standing, and to furnish such credit information to others. Company agrees to be bound by and obligated according to the creditors regulations. Applicant represents and warrants that the credit will be used primarily (50% or mom) for other than personal, family household or agricultural purposes. Applicant understands that this representation is to confirm that no disclosures are required under the Federal Truth-in-Lending law. Applicant requests establishment of an account for each authorized user designated above or on the attached list, as may be amended in writing from time to time by Applicant. Each such designated person is an authorized user and shall have the authority to use the account designated for such authorized user until the creditor is notified to the contrary in writing by the Company. • 'APPLICANT SIGNATURE: al LINT NAME: DATE: CORPORATE TITLE: Ot— EFTA00186332 Visa Business Card Regula ns The Undersigned Holder ab a to the following terms and conditions: PALM BEACH NATIONAL BANK & TRUST COMPANY 3931 RCA Blvd Suite 3102 Palm Beach Gardens, FL 33410 1. Agreement These regulations govern the possession and use of VISA Business Cards ("card") issued by Palm Beach National Bank & Trust Co. ("Issuer"). Each party that applies fora 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 Holder or any Authorized User. The provisions of these regulations, as they may be amended from tinie 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. Holder authorizes 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 credit standing. If Holder or Authorized User requests any VISA Business Card services, Holder or Authorized User consents to the release of Holders or Authorized User's personal data to VISA USA, Inc. and its member financial institutions and/or their respective contractors for the purposes of providing such services. 2. Membership. A non-refundable annual membership fee of N/A will be assessed per card. Holder represents that cards will be used exclusively for business purposes and not for personal, family, household or agricultural purposes. 3. Use of Card. Credit for purchases from a merchant or cash advances from a participating 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 liability for purchases 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 ("PIN,. 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 550.00 for the unauthorized use of a card or PIN issued at Holder's request for charges that occur before Issuer receives notification orally or in writing of loss, theft or possible unauthorized use of a card or PIN. If Issuer has issued ten (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 Authorized 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 PINs should be reported immediately to Issuer by notifying Bs Cen lilt, Madison, WI 53701-1111, Telephone or 1 Holder shall be liable for all charges, fees and other costs that accrue on each account. 4. Credit Line. Holder will from time to time be informed of the amount of the approved credit line under each account established for Holder, and Holder covenants not to make, authorize or allow credit purchases or borrowings in excess of the amount. However, notwithstanding such credit line, Holder is liable for all purchases and borrowings made with its cards by it or by anyone authorized to use the cards. 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 520 or 5 % of the New Balance, shall be paid within 25 days after the Closing Date of that billing statement Payments must be made at BankCard Center, Milwaukee, Wisconsin, 53288- 0200. Payments made at any other location may cause delay in crediting the account. Payments received after 2:00 Y.M. on any Monday through Friday, but excluding 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 first to interest, second to additional fees, if any, in the order of their entry to the account, third to previously billed cash advances, purchases and other similar charges in the order of their entry to the account, and then to current cash advances, purchases and other similar charges in the order of their entry to the account. 6. Finance Charges. Interest shall accrue on each account as shown on the monthly statements, for each billing period in which there is a cash advance or the Previous Balance is not paid in full prior to the Closing Date of the billing statement. Interest It computed by applying the monthly periodic rate of I.208% (ANNUAL PERCENTAGE RATE OF 143%) to the avenge daily balance of the account. To get 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 late charges, unpaid membership fees and other unpaid fees. This gives us the daily balance. Dated this _ilday of int 7 von._ Name of Holder (N f orporation, Partnership, Proprietorship) By: Author' Sig Its 2CS 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 accrues on credit purchases beginning on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of average daily balance if the Previous Balance shown on the front of the statement is paid in full prior to the Closing Date. Interest on cash advances begins to ac rue on the date the advance is posted to the account. Additional interest on an account may be avoided by paying in full the New Balance shown on the account's monthly statement within 25 days after the Closing Date fur that statement T. Additional Fees. Each account shall be subject to the following addi- tional fees: (1) 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 on which the unpaid minimum payment first appears; (2) S10 for each cash advance; (3) 55 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 U.S. dollars by VISA International. VISA converts foreign currency to U.S. dollars using either the government mandated exchange rate or the wholesale exchange rate, in effect one day before the date of the conversion, as applicable. The exchange rate is increased by 1% if the conversions made in connection with a charge to an account and decreased by l% if the conversion is made in connection with a credit to an account. The date of conversion by VISA may differ from the purchase date and the posting date identified in the monthly statement for the account. Holder agrees to pay charges and accept credits for the converted transaction amounts in accordance with the terms of this paragraph. 9. Disputes. Issuer is not responsible for refusal by any merchant, finan- cial institution or automated equipment to honor or accept a card. Issuer has no responsibility for merchandise or services obtained with a card and any dispute concerning merchandise or services will be independently settled by Holder with the merchant concerned. 10. Default. Holder covenants to observe and comply with these regula- tions and not to permit an event of default to occur. Holder further covenants not to take any action or permit any event to occur which materially impairs holder's ability to pay when due. Upon the occurrence of any one or more of the following events of default; (a) Holder fails to pay at least the Minimum Payment when due; (b) Holder dies, ceases to exist, changes residency to another 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 Holder to Issuer is false in any material respect when given; or (e) the occurrence of default under any agreement securing the obligations hereunder, the full amount of Holder's account shall, at Issuer's option become immediately due and payable. Holder agrees to pay all costs of collection before and 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 or proceeding involving Holder brought pursuant to the United States Bankruptcy Code). 11. Right of Setoff. Issuer has the right of setoff against any deposit account Holder maintains with Issuer to satisfy any obligations of Holder to Issuer. 12. Termination. Holders 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 or charges outstanding at the time of termination. Termination by any Holder shall be binding on each Authorized User. Unless sooner terminated, the privilege to use the cards shall expire on the date shown on the cards. At any time, without liability to Holder and without affecting Holder's liability for credit previously extended. Holder's privileges to use the cards may be revoked or limited by Issuer to the extent not prohibited by law. The cards are and shall remain the property of Issuer and Holder agrees to surrender them to Issuer upon demand. Holder agrees to notify Issuer immediately of any cancellation of an Authorized User's charging privileges. Holder shall roam to Issuer any cards issued to Authorized Users whose privileges have been terminated. 13. Amendments. Issuer may amend these regulations and may amend the charge terms from time to time and will mail to Holder at Holder's last known address as shown on the records of Issuer written notice of any such change not less than 15 days prior to its effective date, or as otherwise required by law. Invalidity of any provision of these regulations shall not affect the validity of any other provisions. 14. Governing Law. Holder agrees to be governed by Florida law with respect to all aspects of the transactions arising under these regulations. FORMA 990004 REviSED 0999 EFTA00186333 If the applicant kr the Account is approved, then the following Guaranty will be effective. If the application for the Account is not approved their the following Guaranty is null and void. CONTINUING UNLIMITED GUARANTY. For good and valuable consideration, and for the purpose(s) of inducrag Palm Beach National Bank & TM& Compasy ("Bank") tO man& make, renew, modify and or continue to emend. make, renew or modify tLe Business Credit Card Account of J til0‘ (the "Borrower) the undersigned Guarantor (jointly and severally, if note than one, "Guarantor') absolutely and unconditionally guarantees and promises to pay to Bank or its order, on demand, in lawfully obtained legal tender of the United Sates of America. the Account iadebsedness of the Borrower to Bank on the terms and conditions set forth in this Guaranty. Under this Guaranty, the liability of Guarantor is unlimited and the obligations of Guarantor are continuing. NATURE OF GUARANTY. Guarantor's liability under this Guaranty shall be open and continuous for so long as this Guaranty remains in force. Guarantor intends to guarantee at all limes the performance and peonvt payment wheti due, whether at maturity or earlier by reason of acceleration or otherwise, of all Account indebtedness. Accordingly. no payments nude upon the Account indettechteu will discharge or diminish the continuing liability of Guarantor in connection with any remaining portions of the Account indebtedness or any of the Account indebtedness which srisequendy arises or is thereafter incurred or contrasted. This is not a special guaranty. DURATION OF GUARANTY. This Guaranty will take effect when received by Bank without the necessity of any acceptance by Dank, or any notice to Guarantor or the Business, and will continue in full force until all Account indebtedness incurred or contracted before receipt by Bank of any notice of revocation shall have been fully and finally paid and satisfied and all other rthlitations of Guarantor under this Guaranty shall have been performed in full. If Guarantor elects to revoke this Guaranty. Guarantor may only do so in writing. Written revocation of this Guaranty will apply only to advances or new Account indebtedness created after actual receipt by Bank of Guarantor's written 'evocation. TIM Guaranty and Guarantor's obligations hereunder remains fatty enforceable irrespective of any claim, defense or counterclaim which Borrower may assert on the Account "Athletics>, including but not limited to failure of consideration, breach of warranty, payment, statute of frauds, statute of limitation, accord and satisfaction, and usury, same of n bleb Guarantor hereby waives along with any standing by Guarantor to assert any said claim, defense or counter claim. GUARANTOR'S AUTHORIZATION TO PALM BEACH NATIONAL BANK & "TRUST COMPANY. Guarantor authorizes Bank, either before or alter any revocation hereof, without notice or demand and without lessening Guarantor's liability under this Guaranty, from time to time to alter, supplement, compromise, modify, renew, extend, terminate, accelerate, waive or otherwise change on or more times the time for payment or other terms, conditions, or provisions of the Account. GUARANTOR'S REPIASSEN7ATIONS AND WARRANTIES. Gansu represents and warrants to Bank chat (a) no represenutions or agitemens of any kind have been made to Guarantor which would limit or qualify in any way the tuns of this Guaranty. (b) Guarantor has, to its own satisfaction, independently investigated (and relies exclusively on); (i)Boriower's credit history; 00 00310Of es payment history with Bank. if any; and (iii) Borrower's past, current, and projected financial condition; (c) Upon Bank's request. Guarantor will provide to Bank financial and credit information in form acceptable to Bank and (d) Guarantor has established adequate means of obtaining from Borrower on a continuing basis information regardint Borrower's financial eardrums Guarantor agrees to keep adequately informed from such means of any facts, events, or cireuntanCeS which might in any way affect Guarantor's risks under this Guaranty, and Guarantor further agrees that, absence request for information. Bank shall have no obligation to disclose to Guarantor any information or documents acquired by Bank in the comae of is relationship with Bonowcr. GUARANTOR'S WAIVERS. Except as prohibited by applicable law, Guarantor waives any right to require Bank (a) to make any presentment, protest, demand. or notice of any kind, including notice of any nonpayment of the Account indebtedness or notice of any action or nometion on the part of Borrower or (b) to resort for payment or to proceed directly or at once against any person. including Borrower or any other Guarantor. :rpow or hereafter Borrower shall be or become insolvent, Guarantor hereby forever waives and relinquishes in favor of Bank and Borrower, and their respective successors, any clain, right or remedy to vermin Guarantor may now have or hereafter have or acquire against Borrower that arises hereunder and/or perforation by any guarantor including without limitations. any claim. Kandy or right of suhfocation reimbunement exoneration, indemnification, or participation in any claim. right or remedy of Bank against Borrower, whether or not such claim, right or renzdy 'arita in equity, under contract statute, amnion law or °Biennia, by subrogation or otherwise, so that at no time shall Guarantor be or become a "creditor' of Borrower within the meaning of II ti S.C. Section 547(b), or any successor provision of the Federal bankruptcy laws. Guarantee also waives any and all rights or defenses arising by reason of any election of remedies by Bank which destroys or otherwise adversely affects Guarantor's subrogation rights Guarantee's rights 10 proceed against Borrower for reimbursement, including without limitation, any loss of rights Guarantor may suffer by reason of any law limiting, qualifying, or discharging the glACOunt indebtedness. If payment is made by Borrower, whether voluntarily or otherwise, or by any third party, on the Account indebtedness and thereafter Bank is forced to remit the amount of St payment to Borrower's trustee in bankruptcy or to any similar person under any kderal or state bankruptcy law or law for the relief of debtors, the Indebtedness shall be considered unpaid for the purpose of enforcement of this Guaranty. This provision shall survive kraination of this Guaranty. RIGHT OF SETOFF. Guarantor authorizes Ban.k, to the extent permitted by applicable kw, to charge, withdraw or setoff all sums owing on the Account against any and all the accounts set forth below in the Accounts section without prior demand or notice to Guarantor. ACCOUNTS. Accounts shall include all Guarantor's deposits, accounts (whether checking savings, or song other account) or securities now or hereafter in the possession of or on deposit with Bank or with any Bank's affiliate or subsidiary including without liMitatiOn all accounts held jointly with someone else and all accounts Guarantor tray open in the future, excluding. however, all IRA. Keogh and trust accounts. MISCELLANEOUS PROVISIONS. The following miscellaneous provisions art a Dart of this Guaranty: Amendments. This Guaranty constitutes the entire understanding, and agreement of the parties as to the matters set forth in this Guaranty and supersedes all prior understanding and correspondence. orr.: or minco, with respect to the 0:jerk miner hereof No alteration of or amendment to this Guaranty shall be effective unless given in writing and signed by the party or panics sought to be charged or bound by the alteration or amendment. 'Applicable Law. This Guaranty shall be governed by and construed in accordance with the laws of the state where the Issuing Bank referenced above maintains its principal office. 'Attorney's Fee; Expenses. Guarantor agrees to pay upon demand all of Bank's costs and expenses, including reasonable attorney's fees and Bank's legal expenses, incurred in connection with the :iceman or the enforcement of this Guaranty. Bank nay pay someone else to help enforce this Guaranty and Guarantor shall pay the costs and expenses of such enforcement. Coos and expenses include Bank's reasonable attorneys' fees and legal expenses whether or w>t there is a lawsuit, for bankruptcy proceedings (and including efforts to modify or vacate any automate stay or Uninctionl. appeals, and may anticipated post-judgment collection services. Guarantor also shall pay all court coats and such additional fees as nay be directed by the court interpretation. In all Carts where there is more than one Borrower or Guarantor, then all words used in this Guaranty in the singular shall be deemed to have been used in the plural where the hams' and construction so require; and where there is more than one Borrower named in this Guaranty or when this Guaranty is executed by more than one Guarantor, the words Borrower arid :Guarantor respectively shall mean all and any one or more of them. TM words "Guarantor.' -Borrower," and -Bank." include the heirs, successors, assigns, and transferees of each of them. giaption headings in this Guaranty are for convenience purposes only and are not to be used to interpret or define the provisions of this Guaranty. If a court of competent jurisdiction finds any ':lovision of this Guaranty to be invalid or unenforceable as to any person or circumstance, such finding shall not render that provision invalid or unenforceable as to any other persons or circumstances, and all provisions of this Guaranty in all other respects shall remain valid and enforceable. Waiver. Bank shall not be deemed to have waived any rights under this Guaranty unless such waiver is given in writing and signed by Bank. No delay or omission on the part of Bank in exercising any right shall operate as a waives of such right or any other right- A waiver by Bank of a provision of this Guaranty shall not prejudice or constitute a waiver of Bank's right otherwise to demand strict convliance with that provision or any other provision of this Guaranty. No prior waiver by Bank, nor any course of dealing between Bank and Guarantor. shall constitute a waiver of any of Bank's rights or of any of Guarantor's obligations as to any future transactions. Whenever the consent of Bank is requited under this Guaranty, the granting of such content by Bank in any instance shall not constitute continuing consent to subsequent instances where such consent is required and in all eases such consent may be granted or withheld in the sole discretion of Bank There are costs associated with the use of this credit Card. For specific information regarding the costs, please write us at Palm Beach National Bank & Trust Company. P.O. Box 14118. Norsk Palm Beach, Florida 73408 or call us at The undersigned certifies dui all statements in this Application and on each document required to be submitted III connection herewith. including federal income tax returns, are true. chat and complete. The undersigned authorizes Palm Beach National Bank & Trust Company to rely ulnae such, SilteMen“, make such inquires. and gather such information as Patin Ouch National Bank & Trust Company deems necessary and reasonable to verify any information provided to Palm Beach National Bank & Trust Company on this Application on any such required document. including inquires to the Internal Revenue Service, business credit reporting arid credit bureau agencies and associations, and further authorizes Palm Beach National Bank & Trust Company, its hailing to' mpany and affiliates and related service collier-aborts to exchange this ankicabon, the information contained in or submitted with this Application and all banking relationship information with cash Other and with business errant reporting or credit bras :remits and 1SIOCOOOM ZO1 creditor: of the undersigned. The umkrsiguerl haler :trees to notify Palm Beth Nation,] Book & TOW Company promptly of any material change in any such information. !Ite undersigned certifies that he/she has full authority to act on behalf of Applicant la connection with this credit request. EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS TERMS. ;:r.UARANTOR NAME PRINTED CPS-Cci^i SIGNATUI) DATE VII. DOCUMENTA MON RIVIIIRSMEN IS Please deliver your compktcd application along with the required documents to your Palm Beach National Bank & Trust Company representative for processing. EFTA00186334 4 1-4141. L I 44 NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK I0022 March 31, 2005 ( JefErey Re: Mam account #: TELEPHONE IELEPAX VIA FACSIMILE Please make the fcillov/ g changes to the above main account number: • Add a ne "am G. Hammond with a credit limit of $2,500 Social Security • Reduce Larry Mbrrison credit limit to If you have any qu iestio—s, feel free to contact me at the above number. EFTA00186335 Key Policy Exceptions Credit History Debt-to-Income Ratio Debt Service Ratio X Financial StatemenUApplication/Tax Returns 4 Appropriate Terms/Amortization No Policy Exceptions Initials Loan-to-Value Ratio Satisfactory Appraisal Personal Guarantees Constr. Loan Ratios 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) 200O.2O01 MAXIMUM ;.--24.1NIMUM IDAYS OUT OF DEBT: 1999-200 1998-1999 ACCOUNT TYPE DIRECT RELATED TOTAL Avg. Col lee Lend. Bal. Avg. Cot tee Lend. Bat. Avg. CD( 1 cc:ea DDA 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) $ IFUMMARY OF BANKING RELATIONSHIP: (date opened, account numbers, related accounts, etc.) ACCT# DATE OPENED Mar-91 Mar-91 Jan-94 Oct-97 Jan-01 Aug-99 ALB $ 5,512 $ 37,143 {1111//#,####1 Irritir t ie° S 4,866 $ 54,533 $ 113,800 FEES . PAID LOAN IN CASH FINANCE PROCEED OTHER: . 70AN FEE ::i0C STAMPS 1;,ITANGIBLE TAX f .!EN FEES ICC FILINGS INTEREST 'r)THER• SIGNERS & TITLE: CHECK ACCT WIRE OTHER: ',\YMENT METHOD: COUPON BILLING X AUTO CHARGE 22AN DATE: TBD FIRST PAYMENT DATE: Standard tiATE DOCUMENTS NEEDED: TBD ACA/ EFTA00186336 A s.s.kt VI ll\UbLIAlb - tins ronn rnayucea by Equifax I User Reference: ANDEL ar quiry Information: Page 1 of 2 Date of Inquiry: UserlD: 06/05/2002 ANNL Subject Information: Name: E stein J frey E SSN: Current Address: 457 Madison AV New York, NY 10020 Reportgoults ENH BEACON SCORE: 699 00022/00010/00008 ACCOUNT NOT PAID AS AGREED, PUBLIC RECORD OR COLLECTION AGENCY FILING PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS TOO MANY INQUIRIES LAST 12 MONTHS SSN ISSUED-67 STATE ISSUED-NY 048 EQUIFAX INFORMATION SERVICES LLC, ,ATLANTA,GA,30374-0241, *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 08/98 265,8 66TH,ST,NEW YORK,NY,10021,TAPE RPTD 04/98 ans-o1/2o/isss,sss SSN VER - Y 01 ES-,SELF EMPLOYED 02 EF-CONSULTING PRES,J EPSTEIN CO,NEW YORK,NY 03 E2-,BEARS STEARNS P 0 BOX 740241, FN -307 *SUM-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' 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 BKCARD SE * N9235 R1 05/02 1000 0 04/02 41 11/98 CREDIT CARD CHASE NA *426BB3859 R1 05/02 18600 0 02/02 28 I 03/85 CHASE NA *4 60N598 R1 05/02 5500 16 05/02 43 I 10/98 10 CREDIT CARD BLMD/FDSB *404DC21 R1 03/02 2001 0 30 I/IIIIIII 01/79 https://www.eport.equifax.coniledat/servleticom.equifax.gtedatui.ResultRouter 6/5/2002 EFTA00186337 •••..•••••“) ttla 1 WILL r 4mmuceu oy cquuax I User Reference: ANNL Page 2 of 2 CHARGE HSBC B PAID ACCOUNT/ZERO ACCOUNT CLOSED BY STBC CLASS I _ REVOLVING TOTALS R1 04/01 --- 10/96 BALANCE CREDIT GRANTOR R1 05/94 --- 04/91 27101 CREDIT CARD AMEX Z/.1 CREDIT CARD AMEX I/ CREDIT CARD 01 04/02 --- 02/77 01 04/02 --- 10/77 01 04/02 --- 10/00 AMEX 01 04/02 I/- 06/77 OPEN TOTALS --- GRAND TOTALS 27101 CHASE NA 11/98 03/85 8300 0 04/00 53 2000 0 37 10300 16 10 181K 32214 04/02 205K 94724 04/02 01 23439 16386 04/02 01 15400 0 03/02 01 424839 143324 435139 143340 10 --- 06/97 LOST OR STOLEN CARD CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT *INQS-INFOLINK PBNATBK&TR 01/03/02 08/21/01 PBNATBK&TR TAMINSPEC END OF REPORT EQUIFAX AND AFFILIATES - 06/05/02 09/18/01 07/10/01 SAFESCANNED https://www.eport.equifax.corn/edat/serylet/contequifax.gt.edat.ui.ResultRouter 6/5/2002 EFTA00186338 CUSTOMER PROFILE - BALANCE SUMMARY BANK 534 CUST # CUST NAME iRSTEIN 457 MADISON AVE 4TH FL NEW YORK NY 10020 STATUS DATE OPENED DATE CLOSED BRANCH COST CENTER BNK APPL 534 CC - 534 DP 534 DP - 534 DP 534 DP 534 DP - 534 DP - 534 HH CIC3209 - NEXT a- PAGE 1 06/05/02 08:31:46 REMARKS HISTORICAL INFO OPEN TAX ID 03-08-1991 HOME PHONE BUS PHONE PRIM OFFICER SEC OFFICER DOROTHY WILSON PALM BEACH OFFICE 0000200 ACCOUNT PA1 FOR NEXT PRESS PAGE H LOY ANDERSON BIRTH S OPEN P RELATION CDTYP BALANCE SRA O 11-98 P AUTH SIGN 979 O 03-91 P SOLE OWNS N 015 5,933 N * O 03-91 P SOLE OWNS N 015 102,491 N * O 01-94 P SOLE OWNS M 014 1,794,477 N * O 10-97 P SOLE OWNS N 015 4,816 N * O 01-01 S AUTH SIGN D 075 12,715 N * O 08-99 P SOLE OWNS C 028 114,530 N * O 09-00 P HH RELATE OR USE OPERATOR LOGICAL PAGING COMMANDS EFTA00186339 ACCOUNT: INQC 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: 0 kIN: AyAIL S AT S CC LA, W17. 0 ARIAL 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 HAL: 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 EFTA00186340 ACCOUNT: 0110003162 TM, 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 it:DEBITS: 59 ATS IND: N SAVG BAL: CONS OD: 0 LAST CONTACT: 06-20-02 UAF EXCEP TERM: 0 RELATED LEDG BAL: 0 AVAIL • TIN: S ESCBAL: . 0 STOP PAY ON THIS ACCOUNT 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 EFTA00186341 ACCOUNT: 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 4 DEBITS: 21 ATS IND: N S 'AVG BAL: CONS OD: 0 LAST CONTACT: 06-19-02 UAF EXCEP TERM: 0 RELATED LEDG BAL: AVAIL TIN: S ESCBAL: 0 IKIAL BALANCE -" INQL .Y: 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 BAL:5,067,732.25 ACTION CODE: LAST OD/NSF: 00-00-00 AVL EXCPN PLAN: 000 MARKET: 0000 0 EFTA00186342 it ttuysx TRIAL BALANCE 14:08:54 06/21/02 1 - - - - 1 1 INQI ACCOUNT: :NAME: JEGE INC BRANCH: 2 TYPE ACCT: 075 STATUS: DATE LST TRAM: 06-04-02 DATE LST STMT: 05-31-02 DATE LST DEP: 05-06-02 .LAST DEP: 200,000.00 .STOPS: N HOLDS: N S:DEBITS: 4 AT$ IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 06-04-02 UAF EXCEP TERM: 0 RELATED LEDG BAL: 0 AVAIL TTN: F IbCBAL: .00 in • Y: 202 SEARCH: AUTHORITY: 0 DEMAND DEPOSIT ACCOUNT OPEN DATE: 01-16-2001 LEDGER: 12,715.42 OFFICERS: 00024 00027 CURBAL: 12,715.42 SERV CHG: 805 AVAIL: 12,715.42 CHG/NO CHG: 1 REL AVAIL: .00 ANL CYC: 101 AV LED: 54,533 STMT CYC: 101 OD CODE: 0 TIMES OD-Y: OD LIMIT: RETURNS-Y: STMT ENC: 4 # 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 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 EFTA00186343 ACCOUNT: IN( 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: AVAIL S TIN: S ESCBAL:aill DP. -• . 0 lvina sitiAL BALANCE .12Y: 202 SEARCH: NOW ACCOUNT OPEN DATE: 10-21-1997 OFFICERS: 00001 00024 SERV CHG: 004 CHG/NO CHG: 1 ANL CYC: 165 STMT CYC: 165 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN SAL: DORM S/C: .00 DATE LAST MAINT:04-10-02 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 BAL:4,818.17 ACTION CODE: LAST OD/NSF: 04-23-01 AVL EXCPN PLAN: 000 MARKET: 0000 0 EFTA00186344 ACCOUNT: NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 028 STATUS: DATE LST TRAN: 08-24-99 DATE LST STMT: 03-29-02 DATE LST DEP: 08-23-99 LAST DEP: 100,000.00 STOPS: N HOLDS: Y # DEBITS: ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: 08-24-99 UAF EXCEP TERM: RELATED LEDG BAL: 0 AVAIL SCHEDULE: 001 TIN: S BSCBAL: .00 0 aiLLJaNce, 14:09:10 IY: 202 SEARCH: AUTHORITY: CERTIFICATE OF DEPOSIT ACCOUNT OPEN DATE: 08-24-1999 OFFICERS: 00024 00018 SERV CHG: 500 CHG/NO CHG: 0 ANL CYC: 100 STMT CYC: 100 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:02-14-01 UAF LIMIT: 99999999999 AVL EXCPN DATE: 00-00-00 POST ACH: N 1)6OLLAR 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 EFTA00186345 Nancy Bruno - Page 1 ti From: Nancy Bruno To: Girten, Arlene Date: 6/5/02 10:04AM Subject: Jeffrey Epstein Mr. Epstein has a Visa Business Card for one of his companies - NES - which he personally guarantees. Mr. Anderson approved a credit limit of $35,000. 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 $25,000. The first card was approved without requiring financial information and this new request, if approved the same way, would need to be approved by Mr. Anderson with either Jim, Tim or Bert signing with him because of the exception. If Mr. Anderson would like to approve this request I can prepare the Writeup -just let me know. Thanks. EFTA00186346 IrNancy Bruno - Re' Jeffrey Epstein ' Page 1 From: Nancy Bruno To: Girten, Arlene Date: 6/10/02 4:20PM Subject: Re: Jeffrey Epstein No other loans - just deposits >>> Arlene Girten 06/10/02 04:05PM >>> Hi Nancy. Does he have any other borrowings with us other than his credit cards? EFTA00186347