iPSLM BEACH NATIONAL BAN) ~ en: PS ty. & TRUST COMPANY fe RELATIONSHIP APPROVAL TICKET OFFICER H. Loy Anderson, Jr i 457 Madison Ave. 4th Floor | Ir. ‘ New York, NY 10020 forces TS —— ey rsa aca Nansy Bano ———— OFFICER Nancy Bruno “RELATED eit. SO RROWERS SBE/ LAST APPROVAL OWING AS OF DESIRED BASIS Sere ( 8/102) _¢ ‘6/24/02 ) BH 4.5% Fixed $25,000 $12,468 $35,000 Visa Business credit card (unsecured) INO NES, Personally guaranteed by Jeffrey E. Epstein $25,000 Visa Business credit card (unsecured) INO Jebe, Personally guaranteed by Jeffrey E, Epstein ATE, . Larry Ws Cr Larry Morris TOTALS $25,000 $12,468 $60,000 eee TO 4PPROVAL 6/21/02 ) Date $$ ____ rere —— ~ EFTA00186331

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cs BUS.NESS CARD APPLICA. {0N PALM BEACH NATIONAL BANK & TRUST CO. BRANCH PHONE # OMPANY NAME: ic, JNC SPECIFIC NATURE OF BUSINESS: RELA noicaTe TITLE DesirEDON CARD: § JJ OOOOOOUOUUUDIDooooooo (LIMITED TO 24 SPACES) BILLING j ADDR S : P87 modsod We TYPE F eRcal IZATION (PLEASE CHECK): CORPORATION (1) PARTNERSHIP (_) PROPRIETORSHIP PROVIDE NAME O) ONY PERSON: PHON City: Neo Pore my DATE BUSINESS ESTABLISHED: STATE: ZIP CODE: (00722 TAX ID NUMBER: Il. INDIVIDUAL INFORMATION 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. SUE OR s ARANTOR I: FIRST MIDDLE INITIAL LAST DATE OF BIRTH: SOCIAL SECURITY NUMBER: Je Frey _ oesTeia _ 1{2ef53 fF ADDRESS: Ss i —EPS7 #: City. | ST, TiM RESS: STA ZIP CODE: iME AT ADD! BK ce bane og a beat F330 Dy CITY: STATE: ZIP CODE: TIME AT ADDRESS: PREVIOUS ADDRESS: we HOME PHONE NUMBER: OWN OR RENT: ) MONTHLY PAYMENTS: GROSS ANNUAL INCOME: Ovo ola. POSITION WITH COMPA 'WNERSHIP: TIME IN BUS. GUARANTOR 2: FI DDLE INITIAL LAST DATE OF BIRTH: SOCIAL SECURITY NUMBER: HOME ADDRESS: STREET: APT #: = CITY: STATE: ZIP CODE: TIME AT ADDRESS: #REVIOUS ADDRESS: STREET: APT #: CITY: STATE: ZIP CODE: TIME AT ADDRESS: OWN OR RENT; MONTHLY PAYMENTS: GROSS ANNUAL INCOME; HOME PHONE NUMBER: P OSITION WITH COMPANY: % OWNERSHIP: TIME IN BUSINESS: OFFICE PHIONE G RELATIONSHIPS (PLEASE LIST ONLY YOUR BUSINESS ACCOUNTS) BANK TYPE OF ACCOUNT IF LOAN-SECURED ACCOUNT NUMBER AVERAGE OR UNSECURED BALANCE Business Checking, _ => Palm Beh Nat'l Bank & Trust Comp. LIST THE NAMES OF ALL AUTHORIZED SIGNERS TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS USE. NAME (PRINT) Da vw SIGNATURE LIMIT REQUEST 0,00 TOTAL LIMIT REQUESTED RILLING OPTIONS: IF REQUESTING MORE THAN ONE ACCOUNT, PLEASE CHOOSE AN OPTION: a C INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH $f ONE CONSOLIDATED MONTHLY BILLING STATEMENT CASH ADVANCE ACCESS CAPABILITY: ( YES AT QUALIFIED AUTOMATIC TELLER MACHINES O YEs ANY BUSINESS CARD ACCOUNTS CURRENTLY HELD WITH THIS BANK?: O yes ONO ACCOUNT# Applicant represents that this information is true and complete, and authorizes the creditor to verify the information and obtain additional information conceming Company's credit standing, and to furnish such credit information to others. Company agrees to be bound by and obligated according to the creditor's regulations. Applicant represents and warrants that the credit will be used primarily (50% or more) for other than personal, family household or agricultural purposes. Applicant understands that this representation is to confirm that no disclosures are required under the Federal Truth-in-Lending law. Applicant requests establishment of an account for cach 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. rary @ \o APPLICANT SIGNATURE: DATE: _ iSRINT NAME: CORPORATE TITLE: Wher EFTA00186332

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Visa Business Card Regula ns 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 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 Holder or any Authorized User. The provisions of these regulations, as they may be amended trom time to time as provided in these regulations, govern Holder's obligations, notwithstanding any additional or different terms contained in the cards, sales drafis, credit adjustment memos and cash advance drafis 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 Holder's or Authorized User's personal data to VISA USA, Inc. and its member financial institutions and/or their respective contractors for the purposes of providing such services. 2. Membership. A non-refundable annual membership fee of N/A will be assessed per card. Holder represents that cards will be used exclusively for business purposes and not for personal, family, household or agricultural purposes. 3. Use of Card. Credit for purchases from a merchant or cash advances from a participating 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 $50.00 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 stolea cards or PINs should be reported immediately to Issuer by no! 1111, Madison, WI 53701-1111, etn (cilc/ill or el 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 cach account for each billing period at the end of which there is an undisputed debit or credit balance of $1.00 or more. The full amount billed (“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 $20 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 P.M. on any Monday through Friday, but excluding federal tegal 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 is computed by applying the monthly periodic rate of 1.208% (ANNUAL PERCENTAGE RATE OF 14.5%) to the average daily balance of the account. To get the average daily balance, we take 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. a, The Undersigned Holder a, _¢s to the following terms and conditions: Dated this 7 day of [No- feo 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 acczue on the date the advunce 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 Slalement. T. Additional Fees. Each account shall be subject to the following addi- tional fees: (1) $25 late charge if any minimum payment is not paid in full on or before the due date shown on the monthly statement issued immediately afler the monthly statement on which the unpaid minimum payment first appears; (2) $10 for each cash advance; (3) $5 for replacement of a card; and (4) reasonable charges according to the then current fee schedule for additional copies of monthly statements, drafts and receipts requested. 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 lo 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 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 conceming merchandise or services will be independently settled by Holder with the merchant concemed. 10. Default. Holder covenants to observe and comply with these regula- lions and not to permit an event of default to occur. Holder further covenants not to lake 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 (¢) 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 custs of collection before and after judgment, including reasonable altomeys’ fecs (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). IL Right of Setoff. Issuer has the right of setoff against any deposit account Holder maintains with Issuer to satisfy any obligations of Holder to Issuer. 12. Termination. Holder's consent to these regulations may be terminated at any time by surrendering the cards issued to Holder or at Holder's request, but such termination shall not affect 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. HolWer agrees to notify Issuer immediately of any cancellation of an Authorized User's charging privileges. Holder shall retum 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 govemed by Florida law with respect to all aspects of the transactions arising under these regulations. FORM# 990004 REVISED 0699 Joep eeyetam ners -EFTA00186333,

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a If the applicant for the Account is approved, then the following Guaranty will be effective. If the application for the Account is not approved, then the following Guaranty is null and void. CONTINUING UNLIMITED GUARANTY. For good and valuable consideration, and for the purpose(s) of inducing Palm Beach National Bank & Trust Company ("Bank") to extend, make, renew, modify and or continue to extend, make, renew or modify the Business Credit Card Account of oS (the “Borrower") the undersigned Guarantor (jointly and severally, if more than one, “Guarantor”) absolutely and unconditionally guarantees and promises to pay to Bank or its order, om demand, in lawfully obtained legal tender of the United States pS ame the Account indebledness 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. Guaranior’s liability under this Guaranty shall be open and continuous for so long as this Guaranty remains in force. Guaranior intends to guarantee at all times the Ferformance and prompt payment when due, whether at maturity or earlier by reason of acceleration or otherwise, of all Account indebtedness. Accordingly, no payments made upom the Account indebtedness will discharge or diminish the continuing liability of Guarantor in connection with any remaining portions of the Account indebtedness or any of the Account indebtedness which subsequently arises or is therealter incurred or contracted. 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 Bank, or any notice to Guarantor or the Business, and will continue in full force until all Account indebtedness incurred or contracted before receipt by Bank of any notice of revocation shall have been fully and finally paid and satis(ied and all other «obligations of Guaramor 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 Guaramor’s written revocation. Guaranty aod Guaraator’s obligations hereunder remains fully enforceable irrespective of any claim, defense or counterclaim which Borrower may assert on the Account ““debteduess, including but not limited to failure of consideration, breach of warranty, payment, statute of frauds, statute of limitations, accord and satis(action, and usury, same of which 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 after any revocation hereof, without notice or demand and without lessening Guarantor's liability under this Guaranty, from time to time to alier, supplement, compromise, modify, renew, extend, terminate, accelerate, waive or otherwise change one or more times the time for payment or other terms, conditions, or provisions of the Account. GUARANTOR'S REPKESENTATIONS AND WARRANTIES. Guaransor represents amd warrants to Bank the! (a) no representations of agrsements of any kind have been made to Guarantor which would limit or qualify in any way the terms of this Guaranty, (b) Guarantor has, to its own satisfaction, independently investigated (and relies exclusively on); (i) Borrower's credit history; (ii) Borrower's payment history with Bank, if any; and (iii) Borrower's past, current, and projected fimaucial condition; (¢) 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 regarding Borrower's financial condition. Guarantor agrees to keep adequately informed from such means of any facts, events, or circumstances which might in any way affect Guarantor’s risks under this Guaranty, and Guarantor further agrees that, absent a request for information, Bank shall have no obligation to disclose to Guarantor any information or documents acquired by Bank in the course of its relationship with Borrower. GUARANTOR'S WAIVERS. Except as prohibited by applicable law, Guarantor waives any right to require Bank (a) to make any presentinent, protest, demand, or notice of any kind, including notice of any nonpayment of the Account indebtedness or notice of any action of nonaction 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. “fnow or hereafier Borrower shall be of become insolvent, Guarantor hereby forever waives and relinquishes in favor of Bank and Borrower, and their respective successors, any claim, right or remedy to payment Guarantor may now have or hereafter have or acquire against Borrower that arises hereunder and/or performance by any guarantor including without limitations, any claim, temedy or right of subrogation, reimbursement, exoneration, indenmification, or participation in any claim, right or remedy of Bank against Borrower, whether or not such claim, right or remedy avises in equity, under comract, statute, common law or otherwise, by subrogation or otherwise, so that at no time shall Guarantor be or become a “creditor” of Borrower within the meaning of 1! U S.C, Section $47(b), or any swocessor provision of the Federal bankruptcy laws. Guarantor also waives any and all rights or defenses arising by reason of any election of remedies by Bank which destroys or otherwise adversely affects Guaramor’s subrogation rights or ‘Guarantor's rights to proceed against Borrower for reimbursement, including without limitation, any boss of rights Guaramor may suffer by reason of any law limiting, qualifying, or discharging the Figcount indebiedness If payment is made by Borrower, whether voluntarily or otherwise, or by auy third party, om the Account indebtedness and thereafter Bank is forced to remit the amount of “at payment to Borrower's trustee in bankruptcy or to any similar person under any federal or state bankrupicy 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 termination of this Guaramy. RIGHT OF SETOFF. Guarantor authorizes Bank, to the extent permitted by applicable law, 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 some 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 may open in the future, excluding, however, all IRA, Keogh and trust accounts, MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Guaranty: Amendments. This Guaranty constitutes the entire understanding, and agreement of the parties as to the matters set forth in this Guaranty and supersedes all prior understanding and currespoudence, or! or ezine, with respect to the subject matter hereof, No alteration of or amendnvent to this Guaranty shall be effective unless given in writing and signed by the party or parties sought 0 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 nuintains its principal office. ‘Attorney's Fee; Expenses, Guarantor agrees to pay upon demand all of Bank's costs and expenses, including reasonable aliormey's fees and Bank's legal expenses, incurred in connection with the -\ccount or the enforcensent of this Guaranty. Bank may pay someone else to help enforce this Guaranty and Guarantor shall pay the costs and expenses of such enforcement. Costs and expenses webude Bank's reasonable attorneys” fees and legal expenses whether or not there is a lawsuit, for bankruptcy proceedings (and including efforts to modify or vacate any automatic stay or Yarunction), appeals, and auy anticipated post-judyment collection services. Guarantor also shall pay all court costs and such additional fees as may be directed by the court interpretation. In all cases 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 romiext and constrection 50 require; and where there is more than one Borrower named in this Guaranty or when this Guaranty is executed by more than one Guaramor, the words Borrower and “Guarantor” respectively shall mean ail and any one or more of them. The words “Guaranior,” “Borrower,” and “Bank,” include the heirs, successors, assigns, and transferees of each of them. dyaption 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 “tovision of this Guaranty to be invalid or unenforceable as to any person of 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 waiver 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 compliance with that provision or any other provision of this Guaranty. No prior waiver by Bank, nor any course of dealing between Bank and Guarantor, shall constitute a waiver of any of Bank’s rights or of any of Guarantor’s obligations as to any future transactions. Whenever the consent of Bank is required under this Guaranty, the granting of such consent by Bank in any instance shall not constitute continuing conseat to subsequent instances where such consent is required and in all cases such consent may be granted or withheld in the sole discretion of Bank. There are costs associated with the use of thi it card. For specific information regarding the costs, please write us at Palm Beach National Bank & Trust Company, P.O. Box 14218, North Palm Beach, Florida 33408 or call us at The undersigned certifies that all statements in this Application and on each document required to be submitted in connection herewith, including federal income tax returns, are true, correct and complete. The undersigned authorizes Palm Beach National Bank & Trust Company to rely upon such statements, make such inquires, and gather such information as Palm Beach National Bank & Trust Company deems necessary and reasonable to verify any information provided to Palm Beach National Bank & Trust Conipany on this Application on any such required document, including inquires to the Internal Revenue Service, business credit reporting and credit bureau agencies and associations, and further authorizes Palm Beach National Bank & Trust Company, its holding Company and affiliates and related service corporations to exchange this application, the information contained in or submitted with this Application and all banking relationship information with cash other and with business credit reporting or credit bureau agencies and associations and creditors of the undersigned. The undersigued further agrees te notify Pulm Beach Nations! Bonk & ‘Trust Company promptly of any material change in any such information, ‘The undersigned certifies that he/she has full authority to act on behalf of Applicant in connection with this credit request. ACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS TERMS. UARANTOR NAME PRINTED SONA DATE laze mia LE Ou Please deliver your completed application along with the required documents to your Palm Beach National Bank & Trust Company representative for processing. oo 2 orem Rr ee PE EE a -EFTA00186334

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NES, LLC FOURTH FLOOR 457 MADISON AVENUE NEW YORK, NEW YORK 10022 JL bf March 31, 2005 { Jeffrey Please make the followi§g changes to the above main account number: ° Addancy iam G. Hammond with a credit limit of $2,500 Social ¢ Reduce Larry M§rison credit limit of If you have any questio . fee] free to contact me at the above number. Jeffrey Epstein | | Oe 7 EFTA00186335

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Key Policy Exceptions Credit History Loan-to-Value Ratio i Debt-to-Income Ratio Satisfactory Appraisal at i Debt Service Ratio Personal Guarantees i xX Financial Statement/Application/Tax Returns Constr. Loan Ratios {ut Appropriate Terms/Amortization Closing Requirements i No Termite/Roof Insp. { No Policy Exceptions No Deposit Rel'shp " an Offitér Initials Boies Policy Exceptions must be explained in the POLICY EXCEPT! IONS paragraph of the Loan Presentation Write-Up. DEBT RANGE: (CREDIT LINES) 2000-2001 1999-200 1998-1999 MAXIMUM {MINIMUM Inays OUT OF DEBT: Profitability Average (_ Months) $ ‘SUMMARY OF BANKING RELATIONSHIP: (date opened, account numbers, related accounts, etc.) bevy ACCT# DATE OPENED ALB eo —_—_—_—_—— —— —____ i Mar-91 $ 5,512 aed Mar-91 $ 87,143 { Jan-94 Hap HEREES A IY, OCO hak [rr Oct-97 S$ 4,866 a Jan-01 $ 54,533 {_ Aug-99 $ 113,800 FEES | PAID | T tOANTOOC™~COCOCCCCCSCSCSCSSSSY _ FINANCE |[PROCEED| OTHER: S™~=~—“—sSSS*SY TOAN FEE a A "IC STAMPS OW... ‘TANGIBLE TAX eC SS a SO SIGNERS & TITLE: CHECK # ACCT # WIRE OTHER: ”’AYMENT METHOD: COUPON BILLING X AUTO CHARGE "AN DATE: TBD FIRST PAYMENT DATE: Standard ‘TE DOCUMENTS NEEDED: TBD ACA/ Laden OO EFTA00186336

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sepeseancoulls ~ Lis orm rraduced by Kquitax | User Reference: ANNL Page | of 2 Inquiry Information: Date of Inquiry: 06/05/2002 UserID: ANNL Subject Information: Name: — ~ ed E SSN: Current Address: 457 Madison AV New York, NY 10020 ee Resul 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 © BOX 740241, , ATLANTA, GA, 30374-0241, “EPSTEIN, JEFFERY,E SINCE 04/22/77 FAD 05/03/02 FN-307 457, 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-QM, «ssw VER - y 01 ES-,SELF EMPLOYED 02 EF-CONSULTING PRES,J EPSTEIN CO,NEW YORK,NY 03 E2-,BEARS STEARNS *SUM-02/77-05/02,PR/OI-NO, COLL-YES, FB-NO, ACCTS :11,HC$1000-205K, 10-ONES, 1-OTH ER. ****** COLLECTION ITEMS **### LIST RPTD AMT/BAL DLA/ECOA AGENCY/CLIENT STATUS/ SERIAL 10/98 12/98 $180 08/98* DRS BUSBUR UNPAID $180 U IMAGING ASSOCIA 2853977 HERRERO RRR RR EK FIRM / IDENT CODE CS RPTD LIMIT HICR BAL § DLA MR (30-60-90+) MAX/DEL ECOA/ACCOUNT NUMBER OPND P/DUE TERM 24 MONTH HISTORY BKCARD SER* IN9235 R1 05/02 1000 --- 0 04/02 41 I 11/98 --- --- CREDIT CARD CHASE NA *426BB3859 R1 05/02 18600 --- 0 02/02 28 I 03/85 --- --- CHASE NA *4960N598 R105/02 5500 --- 16 05/02 43 I 10/98 --- 10 CREDIT CARD BLMD/FDSB *404DC21 R1 03/02 2001 --- 0 30 a 03/78, === aa https://www.eport. equifax.com/edat/servlet/com.equifax.gt.edat.ui.ResultRouter 6/5/2002 EFTA00186337

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Twrewes anweneto ~ 44s 4 Vii I MauuceU DY Eguilax | User Keterence: ANNL Page 2 of 2 CHARGE HSBC_BANK Rl 04/01 --- 8300 0 04/00 53 I/ 10/96 --- --- PAID ACCOUNT/ZERO BALANCE ACCOUNT CLOSED BY CREDIT GRANTOR STBC CLASS NE 21 05/94 --- 2000 0) 37 REVOLVING TOTALS 27101 10300 16 --- 1o Y O1 04/02 181K 32214 04/02 02/77 -- --- CREDIT CARD AMEX O1 04/02 --- 205K 94724 04/02 01 I/ 10/77 --- --- CREDIT CARD AMEX O1 04/02 ~~~ 23439 16386 04/02 01 I/- 10/00 --- --- CREDIT CARD AMEX as ;, 04/02 --- 15400 0 03/02 01 OPEN TOTALS ~~~ 424839 143324 GRAND TOTALS 27101 435139 143340 --- 10 CHASE NA 11/38 --- -- --- 06/97 03/85 LOST OR STOLEN CARD CREDIT CARD AMOUNT IN H/C COLUMN Is CREDIT LIMIT *INQS - INFOLINK 01/03/02 PBNATBK&TR 09/18/01 PBNATBKETR 08/21/01 TAMINSPEC 07/10/01 & END OF REPORT EQUIFAX AND AFFILIATES - 06/05/02 SAPESCANNED hitps://www.eport.equifax.com/edat/servlet/com.equifax.gt.edat,ui.ResultRouter 6/5/2002 eee EFTA00186338

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CUSTOMER PROFILE - BALANCE SUMMARY __ BANK 534 cUST # rss CUST NAME EY E EPSTEIN 457 MADISON AVE 4TH FL NEW YORK NY 10020 STATUS OPEN DATE OPENED 03-08-1 DATE CLOSED BRANCH PALM BE COST CENTER 0000200 BNK APPL 534 cc 534 DP 534 DP 534 DP 534 DP 534 DP 534 DP __ 534 HH CIC3209 - PRESS PAl FOR N ACCOUN 991 ACH OFFICE S OPEN Oo 11-98 O 03-91 oO 03-91 oO 01-94 Oo 10-97 0 01-01 Oo 08-99 Oo 09-00 P P P P P P Ss P P TAX ID s HOME PHONE BUS PHONE PRIM OFFICER SEC OFFICER BIRTH RELATION CDTYP AUTH SIGN SOLE OWNE N 015 SOLE OWNE N 015 SOLE OWNE M 014 SOLE OWNE N 015 AUTH SIGN D 075 SOLE OWNE C 028 HH RELATE NEXT = 06/05/02 REMARKS HISTORICAL INFO H LOY ANDERSON DOROTHY WILSON BALANCE SRA 979 * 5,933 WN * 102,491 N* 1,794,477 WN * 4,816 N* 12,715 WN * 114,530 N * EXT PAGE OR USE OPERATOR LOGICAL PAGING COMMANDS EFTA00186339

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ANd LAW ACCOUNT : INQL .¥: 202 SEARCH: NAME: EPSTEIN JE NOW ACCOUNT BRANCH: 2 OPEN DATE: 03-08-1991 TYPE ACCT: 015 OFFICERS: 00001 00024 STATUS: SERV CHG: 809 DATE LST TRAN: 06-20-02 CHG/NO CHG: 0 DATE LST STMT: 05-31-02 ANL CYC: 101 DATE LST DEP: 06-19-02 STMT CYC: 101 LAST DEP: 15,000.00 STOPS: N HOLDS: N # DEBITS: 13 ATS IND: N S AVG BAL: CONS OD: 0 LAST CONTACT: UAF EXCEP TERM: RELATED LEDG BAL: AVAIL 1 IN: s ESCBAL:~. ra 06-20-02 TIMES OD-Y: 10 RETURNS -Y: # CREDITS: 2 SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT: 04-10-02 99999999999 UAF LIMIT: AVL EXCPN DATE: 00-00-00 POST ACH: Y ik1AL BALANCE ena rere ieee cee a ~ 14:07:24 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 06/21/02 ~ EFTA00186340

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Tat ee Su YRIAL BALANCE ~ 14:07:42 06/21/02 ACCOUNT: 0110003162 Im ‘RY: 202 SEARCH: AUTHORITY: 0 NAME: EPSTEIN J HHOLD NOW ACCOUNT BRANCH: 2 OPEN DATE: 03-14-1991 LEDGER: 238,638.06 TYPE ACCT: 015 OFFICERS: 00001 00027 CURBAL: 238,218.06 STATUS: SERV CHG: 004 AVAIL: 238,218.06 DATE LST TRAN: 06-20-02 CHG/NO CHG: 0 REL AVAIL: .00 DATE LST STMT: 05-31-02 aANL Cyc: 101 AV LED: 87,143 DATE LST DEP: 06-19-02 STMT CYC: 101 OD CODE: o LAST DEP: 200,000.00 TIMES OD-Y: 5 OD LIMIT: STOPS: Y HOLDS: N RETURNS -Y: STMT ENC: 54 # DEBITS: 59 # CREDITS: 2 ATS IND: N SAV ACCT: S*AVG BAL: S MIN BAL: TIMES TRANS: CONS OD: 0 DORM S/C: .00 PND STMT CYC: 101 LAST CONTACT: 06-20-02 DATE LAST MAINT:04-10-02 DORM INT: .06 UAF EXCEP TERM: 0 UAF LIMIT: 99999999999 oLsp BAL:238,228.58 RELATED LEDG BAL: i) ACTION CODE: AVAIL AVL EXCPN DATE: 00-00-00 LAST OD/NSF: 06-12-02 TIN: mz AVL EXCPN PLAN: 000 ESCBAL POST ACH: Y MARKET: 0000 STOP PAY ON THIS ACCOUNT he. r = ~] 2 § ed Fe" 7 a EFTA00186341

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ACCOUNT: Wave 4a “ua a tk1AL BALANCE C INQU, .Y: 202 SEARCH: NAME: EPSTEIN JE MONEY MARKET ACCOUNT BRANCH: 2 OPEN DATE: 01-10-1994 TYPE ACCT: 014 OFFICERS: 00001 00027 STATUS: SERV CHG: 809 DATE LST TRAN: 06-19-02 CHG/NO CHG: 0 DATE LST STMT: 05-31-02 ANL CYC: 101 DATE LST DEP: 06-19-02 STMT CYC: 101 LAST DEP: 4,000,000.00 TIMES OD-Y: STOPS: N HOLDS: N RETURNS-Y: #-DEBITS: 21 # CREDITS: 5 ATS IND: N SAV ACCT: S AVG BAL: S MIN BAL: CONS OD: 0 DORM S/C: .00 LAST CONTACT: 06-19-02 DATE LAST MAINT:04-10-02 UAF EXCEP TERM: 0 UAF LIMIT: 99999999999 RELATED LEDG BAL: 0 AVAIL \ 1 TIN: S ESCBAL: . PPP AVL EXCPN DATE: 00-00-00 POST ACH: Y 14:08:16 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 EFT A00186342 06/21/02

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AVAIL SCHEDULE: 001 TN: ? ESCBAL: .00 1s hee, a) AVL EXCPN DATE: 00-00-00 POST ACH: Y i iv LU LY TRIAL BALANCE 14:08:54 06/21/02 ACCOUNT: INQL ‘¥: 202 SEARCH: AUTHORITY: 0 NAME: JEGE INC DEMAND DEPOSIT ACCOUNT BRANCH: 2 OPEN DATE: 01-16-2001 LEDGER: 12,715.42 TYPE ACCT: 075 OFFICERS: 00024 00027 CURBAL: 12,715.42 ‘STATUS: SERV CHG: 805 AVAIL: 12,715.42 DATE LST TRAN: 06-04-02 CHG/NO CHG: 1 REL AVAIL: .00 DATE LST STMT: 05-31-02 ANL CYC: 101 AV LED: 54,533 DATE LST DEP: 05-06-02 STMT CYC: 101 OD CODE: 0 LAST DEP: 200,000.00 TIMES OD-Y: OD LIMIT: STOPS: N HOLDS: N RETURNS-Y STMT ENC: 4 #: DEBITS: 4 # CREDITS ATS IND: N SAV ACCT S AVG BAL: S MIN BAL: TIMES TRANS: CONS OD: 0 DORM S/C: .00 PND STMT CYC: 101 LAST CONTACT: 06-04-02 DATE LAST MAINT:02-06-01 DORM INT: .00 UAF EXCEP TERM: 0 UAF LIMIT: 99999999999 CLSE BAL:12,715.42 RELATED LEDG BAL: 0 ACTION CODE: 0 LAST OD/NSF: 00-00-00 AVL EXCPN PLAN: MARKET: 0000 000 EFTA00186343

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ACCOUNT: meet LAM LIL ING NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 015 STATUS: DATE LST TRAN: DATE LST DEP: LAST DEP: STOPS: N HOLDS: N #DEBITS: ATS IND: N S ‘AVG BAL: CONS OD: 0 LAST CONTACT: UAF EXCEP TERM: RELATED LEDG BAL: AVAIL § TIN: § ESCBAL: 02-14-02 DATE LST STMT: 06- 11-02 04-24-01 1,225,000.00 02-14-02 tRLAL BALANCE -RY: 202 SEARCH: NOW ACCOUNT OPEN DATE: 10-21-1997 OFFICERS: 00001 00024 SERV CHG: 004 CHG/NO CHG: 1 ANL CYC: 165 STMT CYC: 165 TIMES OD-Y: RETURNS-Y: # CREDITS: SAV ACCT: S MIN BAL: DORM S/C: .00 DATE LAST MAINT:04-10-02 99999999999 UAF LIMIT: AVL EXCPN DATE: POST ACH: Y — 00-00-00 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: DORM INT: .00 165 CLSE BAL:4,818.17 ACTION CODE: LAST OD/NSF: MARKET: 0000 04-23-01 AVL EXCPN PLAN: 000 -EFTA00186344

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ee ACCOUNT : INQ” NAME: EPSTEIN JEFFREY E BRANCH: 2 TYPE ACCT: 028 STATUS: DATE LST TRAN: DATE LST STMT: 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: AVAIL SCHEDULE: 001 TIN: S ESCBAL: .00 08-24-99 03-29-02 0 0 .? ! Vine Jn4Au BALANCE *¥: 202 SEARCH: 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-yY: 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 14:09:10 AUTHORITY: 06/21/02 0 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 ~ EFTA00186345

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From: Nancy Bruno To: Girten, Arlene Date: 6/5/02 10:04AM Subject: Jeffrey Epstein exception. If Mr. Anderson would like to approve this request | can prepare the Writeup - just let me know. EEE EFTA00186346

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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? SE en A ERA ERY er ~EFTA00186347