EFTA00227381

FACE 
In 
NES, LLC 
FOURTH FLOOR 
457 MADISON AVENUE 
NEW YORK, NEW YORK 10022 
It 61 
March 31, 2005 
Jeffrey 
Colonial Bank 
Re: Maim 
VIA FAICSIMILE 
Please make the follow! 
• Add a 
Security 
• Reduce Lapy 
If you have any qUesti 
Jeffrey Epstein 
TELEPHONE 
TELEFAX 
g changes to the above main account number 
••
• 
G. Hammond with a credit limit of $2,500 Social 
anon credit limit to $2,500. 
feel free to contact me at the above number. 
Case No. 08-80736-CV-MARRA 
P-001061 
EFTA00228441

Vi5a Business Card Regula 
us 
'The Undersigned Holder at, 
eS to the following terms and conditions: 
PALM BEACH NATIONAL BANK 
& TRusr COMPANY 
3931 RCA Blvd Suite 3102 
Palm Beach Gardens, FL 
33410 
I. 
Agreement. These regulations govern the possession and use of VISA 
Bulimas Cards ("card") issued by Palm Beach National Bank & Trutt Co 
("Issuer') Each party that applies for a VISA Business Card is related to in these 
regulations as a Holder. Issuer shall establish an account for each pawn 
designated by Holder as an authotized user ("Authorized Lisa"). Holder consents 
and agrees to these regulations and to the terra 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 one to tune as provided in these rcgulsimits, govern WAS:A 
obligations, notwithstanding any additional or different tents 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 
or 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 1Iolder or Authorized User requests any VISA Business Card semen. Holder 
or Authorized User consents to the release of Holder's or Authorized Users 
persaml 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 delusively for 
business parposes and not for personal, family, household or agricultural 
purposes. 
3. 
Use of Card. Credit for purchases front a merchant or cash advances 
boon 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 front 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 mote 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 Holders request for charges that occur 
before Issuer receives notification orally or in venting of loss, theft or possible 
unauthorized use of a card or PIN If Issuer has issued ten (10) or more cards at 
Holders request. Holder will be liable for any and all unauthorized use of a card 
Lhauthorival use is any use by an individual other than an Authorized User of 
without the knowledge or consent of the Itolder. 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 Sr stolen cards or PINs shook! be 
reported Inunedtmely to Issuer by notifying BaakCard Crater, P.O. Boa 
I I I I, Madison, WI 537/1.1111, Telephone (608)829.4100 or 1-/0O-221.5920. 
Holder shall be lable 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 nuke, authorize or allow credit purchases or honor/Uses in 
excess of the mount However, notwithstanding such credit line, Holder is liable 
fa all purchases and borrowings made with its cards by it to by anyone 
authorized to use du cards 
S. 
Payment. Holder will be furnished at the address identified by Holder, 
a monthly statement for each account for each billing period al 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 520 or 5 V. 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 legal holidays, or at any time on any son-baakiag day 
will be considered as payments made on the following banking day All 
payments will be applied lost to wisest, sword to additional lets, if any, in the 
coda 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 
 
nowt Interest ie tdmiplitied by •pplying the monthly periodic bate or 
1.201% (ANNUAL PERCENTAGE RATE OF 14.5%) to the average daily 
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 a credits, unpaid late charges, 
unpaid mental/up fees and ocher unpaid fees. This gives us the daily balance. 
FORS/moat REviSED 
Dated this  
7  day of 
a)
7 . O
\CGC 
N•nie of Holder (N 
f Cor 
don, Partnership, Proprietorship) 
By: 
Amhori ed Sig m 
, 
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 bulling 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 elatement is paid in lull 
prior to the Closing Date of the statement. Credit purchases made during the 
statement pcnod and the Previous Balance will be excluded nom the calculation 
of average daily balance if the Previous Balance shown on the front of the 
statement is paid in full prior to the Clostng Dale. Ingest on cash advances 
begins to acz.ue on the date the advance is posted to the account Additimal 
interest on an account may be avoided by paying in full the New Balance shown 
on the account's monthly statement within 25 days afar the Closing Date for that 
statement. 
T. 
Additional Fees. Each account shall be subject to the following addl. 
DON] fees! (I ) $25 late charge if any minimum payment is not paid in full on is 
before the due date shown on the monthly statement issued invnethately after the 
monthly slatenrnt on which the unpaid minimum payment first appeals, (2) SI 0 
for each cash advance; (3) $5 for replacement of a card; and (4) reasonable 
charges according to the then current lee schedule for additional copies of 
monthly statements, drafts and receipts requested. Fees imposed will be posted to 
the account. 
Foreign Transaction. If a IRIder's card is used to effect a transaction 
in a foreign currency, the transaction amount will be convened to U S dollars by 
VISA International VISA converts Reap currency to U.S. dollars using either 
the govemman 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 convey ions 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 diner front 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 salkd by fielder 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 
dens of default. (a) Holder fails to pay at least the Matthews Payment when due, 
(b) Holder dies, cease/desist, changes residency to another state, becomes 
insolvent or the subject of bankruptcy or insolvency proceedings, te) I older 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 immailately 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. 
Terudaatten. Holders consent to these regulations nay be terminated 
at any time by surrendaing the cards issued to Holder or at Holders 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 cads. At any time, without 
liability to Hilda and without affecting Holder's lability for credit previously 
extended. Holder's privileges to use the cards may be revoked or homed by Issuer 
to the extent not prohibited by law. The cards are and shall reran the property a 
Issuer and Holder agrees to surrender than to Issuer upon demand Holder agrees 
to notify issuer immediately of any cancellation of an Authorized User's charging 
privileges. Holder shall mum 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 tams from tune to tom and will nail 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 poor to its effective date, or as otherwise required by law. 
Inveltthly of any protosion of these regulations shall not effect the valuhly 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. 
Case No. 08-80736-CV-MARRA 
P-001062 
EFTA00228442

BUS:NESS CARD APPLICA110N 
PALM BEACH NATIONAL BANK & TRUST CO. 
BRANCH 
PHONE If  
TrNfTrr
ill
iniain
 
SPECIFIC NIPURIEIM 
 OFT,I II IT
IMP
M
ESS 
ft 
INDICATE TITLE DESIRED ON CARD: D 000000 00000 IMEIDDEGOO 
(LIMITED TO 24 SPACES) 
BILLING ADDR 
7 
CITY: 
STATE: 
C/0 
inti b isor
i t y1/4 :_ 
'VC& yoki-
TVMD, ORGA IZATION (PLEASE CHECK): 
DATE BUSINESS ESTABLIS1E/D: 
VI  CORPORATION 0 PARTNERSHIP O PROPRIETORSHIP 
PROVIDE NAME 0 CONTACT PERSON: 
24...al— 
hl 
ZIP CODE: 
/0e) Z e--
TAX ID NUMBER: 
PHO 
PRINCIPALS/OWN ERS WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNTISI. PLEASE SIGN BELOW AND ON REVERSE SIDE. 
INDIVIDUAL INFORMATION MUST BE PROVIDED ON ALL GUARANTORS. 
.UARANTOR I. FIRST 
HUMBER: 
PREVIOUS ADDRESS. 
OWN OR RENT: 11
O--VNJ 
GROSS ANNUAL INCOME: 
HOME PHONE NUMBER: 
POSITIONXITH COWANY: 
ea
-C ...A 
• 
MIDDLE INITIAL 
LAST 
MONTHLY PAYMENTS:
IA ft, 
% OWNERSHIP: 
100 
TIME IN BUSINE.S2._
DATE OF BIRD 
GUARANTOR 2: FIRST 
NUMBER: 
MIDDLE INITIAL 
LAST 
DATE OF BIRTH: GCSE 
HOME ADDRESS: 
STREET: 
APT 8. 
CITY: 
STATE: 
ZIP CODE 
TIME AT ADDRESS: 
-PREVIOUS ADDRESS. 
r. 
STREET: 
APT g: 
CITY: 
STATE 
ZIP CODE 
TIME AT ADDRESS: 
OWN OR RENT: 
MONTHLY PAYMENTS: 
GROSS ANNUAL INCOME: 
HOME PHONE NUMBER: 
POSITION WITH COMPANY: 
% OWNERS] TIP: 
TIME IN BUSINESS-
OFFICE PHONE 
ill 
\ 
IN.() RI ! NI IO 
'I` I i‘IuAIV VUI 
s I \ I S 
AI till \ I •• 
BANK 
TYPE OF ACCOUNT 
IF LOANSECURED 
OR UNSECURED 
ACCOUNT NUMBER 
AVERAGE 
BALANCE 
Palm Bch Nat'l Bank & Trust Comp. 
Business Checking- _ 7)
i /O /32 7S4R 
• 
LIST THE NAMES OF ALL AUTHORIZED SIGNERS TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS USE. 
NAME (PRINT) Dili
-0 
FROUlcigat S 
SIGNATURE 
LIMIT REQUEST 
S ID,o(9O 
C—iwtiky 
SOS Xi 
: l0 ow 
LA?-iii 
MD RRAXCild 
$
'S 
es ) 00 
TOTAL LIMIT REQUESTED 
lid I I 
i It 
BILLING OPTIONS: IF REQUESTING MORE THAN ONE ACCOUNT, PLEASE CHOOSE AN OPTION: 
0 INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH WONE CONSOLIDATED MONTHLY BlUING STATEMENT 
CASH ADVANCE ACCESS CAPABILITY: K YES 
ANO 
AT QUALIFIED AUTOMATIC TELLER MACHINES 
K YES 
5NO 
ANY BUSINESS CARD ACCOUNTS CURRENTLY HEW WITH THIS BANK?: 
O YES O NO 
ACCOUNT 
Applicant repsesatts that this information is trot and complete. and authorizes the creditor to vasty the information and obtain additional information concerning 
Company's credit standmg, 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 warranu that the credit will be used primarily (SO% or mom) for other than personal, family household or evicultural purposes. Applicant 
understands that this representation is to confirm that no disclosures are required under the Federal Truds4n-Lending law. 
npplicam requeus esublulurent of an accamt for ash autlxetted use designated above or on the attached list, as may be amended in writing horn time to time by 
Applicant. Each web designated person is an authorized user and shall have the authority to use the account designated for such authorized user until the creditor is notifled 
in the contrary in writing by the Company. 
APPLICANT SIGNATURE: 
tUtINT NAME: 
yffitc
DATE 
CORPORATE TITLE: 
Case No. 08-80736-CV-MARRA 
P-001063 
EFTA00228443

If the applicant W the AreOialtl is approved, then the following Guaranty will be erratum ff the agitation Rr ir ...coma is not approved, then the follosaaGuarany es v.41 as' soul 
CONTINUING UNLIMITED GUARANTY For good sad valuable consiikneron, and for the psepamOs) pi inducing Palm Beach National Baia & Tthst Company ("Bank") to caked* nuke, 
renew, modify and or conning to canna male renew oo modify the Business Credit Card Accounlof  
jE1O 
 
(the "Borrower) the undersigned Guarantor Both 
and severally. if more Than one. "Gwitantal absolutely and uncondinonally guarantee and pronmes to pay to (lank Or as order, on &nun& in lawfully obtained legal Wader often Untied Slates 
Of America, the Account indebtedness of tic Borrower to Bank a the terns and coalitions set forth in tho Guaranty. Omar dm Gnus:M.113e bailey Of Goaratool t mantled sal the ebleestions 
of Gowns art Crionatnial 
NATURE OF GUARANTY Guarantor'. liability WWI this Guaranty shall be open and aommuotet for so hint as this Guinan tenant in force. Guarantor intends to guarantee al all limes the 
perfonnance and wonpt paymem when due, whether al maturity a earlier by ass& of beadsman w otherwise. Wel Account odd:admin. Accordingly. no patients nude upon the Account 
indebtedness will discharge a dinimish to continuing liability of Guarantor in connection wub any renames portions of the /tetanal naktatidacas or any of the Account slebeedans *hack 
mosettrengly arises or is laminar incurred w contacted Tin t nor a special guaranty.
De:RADON OF GUARANTY 
This (Mammy will take effect when !tensed by Bank without the necessity of any acceptance by Bain, or any nonce to Guarantor or the AWACS). and will 
spangle nn full force until all Account indebtedness maimed or cuntoacied before receipt by Bank of any mike of rettabon shall lave been (idly and finally pad and satisfied and all other 
ibligatoons of Guaranior miler Ott Guaranty shall base &ea performed in foil If ()isogon( chats to nate this Guaranty, Guarantor may only Si So in mini 
Written rewi(atiOn of In, 
Guaranty will apply only to advances or ne w Account indebtedness crewed after actual receipt by Baal of Giaratael *Mato levee ation 
All Gist Mary and G aaaaa tor's obligations hereander remains filly enforceable Irrespectlit of any claim, defense or counlerclaim *Nab borrower may uteri on the Account 
" &heathen, including but not hated to failure of consideration, breach of warranty, payment, and isle of frauds,  
f Bmllatou, accord and safislaccion, and usury, sauna of 
• lath Guarantor hereby waives along with say sanding by G aaaaaa or to assert any sad dais, defense or comae, claim 
UARANTOSCS AUTHORIZATION TO PALM BEACII NATIONAL BANK & TRUST COMPANY Guarantee authoran Bina, Cahn before wants any revenallOR hereof, wetland notice or 
demand and without Unease Guaramoes liability wader this Guaranty, from lane to time to alter, goppkmaga, compromise, modify, remw, egleath terminate, aCcearalei waive or 
otherwise change one or more times 1M Ow for payment or other terns, "wideness, or provision's of 1M Aces's'. 
”LAKAN tOn S rldrff one:alAT:OHS AND WAFUt.sNT IE.& Giarai-ot ransom and •varranes to Lank Ili. ia) no represtutions or agrrtineels of any kind last been made to Guarantor 
which woad haw or qualify ia any way the trim of inn Guaraay, th)Guaraasca has, to at on satisisloon independently insiestsgated (and rele  calumet, aH, ia Burrowers credit hussy. 
Or) 14000sfer payment hniory with own, if any; and onis Borrower's past. current and protected Nasal condition. tel Upon Band's request, Guarantor will provide to Bank fins it al aid credo 
information in form acceptable to Ilank and (d) Guarantor has established edema& means of obtaining room Borrower on a continuing basis informabon regarding Borrower's financial condition. 
Guarantor agrees to keep adequately informed (tom such means of any fact'. cants, or cittuonsUmn which might many way affect Guarantor's rusks under thou Guaranty, and Genoa( lunar 
agrees thin absent a request for mammas,. Dank shall have no obligation a disclose to Guarantor any isafOrinalarse0C diximenta bewared by But in the came an relationship with Borrower 
GUARANTOR'S WAIVERS Except as wolitned by applicable law, Guarantor wanes any right to requare Bank (a) 10 male any poesemment. protest. demand, or notice of any loot including 
at ice of any nonpayineni of the Moose rndebtedneas or notice of any action or nonaction on the pan of liOrnavief a (0) to resat fat payment or to proceed dearly or at once against any person. 
including Borrower or any Other Guarantor 
'r cow or beitaffer Borrower than be or bean insolseanGuannaw hereby forever wanes aid Ithonenha a favor of Bank sal Donovan. and then fetpetint tucceSSOrl, any Clack right or 
randy to payment Guarantor may we have or beater have or acquire again Borrower that arises hereunder and/or performance by any guanine! including *dad Imutatiogu. any chum 
itmedy or right of aubroration, feznibuttement, nonunion, indemnifitation, or panicipaion in any claim right a remedy of Bank against 90/10WC/, whether or not such Claim light of remedy 
oases m equity, under contract. Hahne. COMO,' law or Nitrite, by subrogation or (dengue. so that at no time shall Guarantor be or become a "Creditor" of Borrower within the meaning of i I 
S.C. Section 347(b), Or any siteessor provision of the Federal bankruptcy taws 
unarms also waives my and all ruts or defenses arising by reason of any CACAOS of renethes by Bank winch destroys or otherwise adversely affects Guano:ors subrogation rights or 
sharamor's tights to proceed awns Borrower for reimbursement, exhaling without lierManon, any loss of rights Guarainot may sutler by reason of any law limning. qualifying, or discharging the 
idicount indebtedness. If partite is nude by lionOwer, whether voluntarily or othenvue, or by any third parly, on the Account indebtedness and thereafter Bank is forted 10 rant the 'mouth of 
'Tit !laymen, to Ilionowes twice in bankrupicy or to any similar person under any federal or state baakaiscy taw et law for the relief oration. the Indebtedness dub be considered unmet for 
the Name of enforcencaa of Ibis Guaranty. This provisoion shall survive IC fnealtaael of this Guaranty. 
RIGHT OF SETOFF. Guarantor authorizes Nut to the eats perrnated by applicable law, to abuse, withdraw of setoff all sand owing on the Account against any and all the accounts set forth 
below in the Accounts section without prior &nand or 1101ICC 10 Guaranior, 
ACCOUNTS. Accounts shall imlude all Guarantor's deposes, accounts (whaler checking unap, anent other scours) or securities now or hereafter is the poseestam of or as depose Wok 
Bank or with say Bast's afranoic or subsidiary ishathog tithed hinsuitioo at accounts held pan& tub mown else and an aconite Guarantee nay open on the future, aslant however. all 
IRA. Keogh and Milt 11CONSill 
MISCELLANEOUS PROVISIONS The following miscellaneous provisions are a part of ihn Guaranty. 
Aniesdatems 
That Guaranty combines the care mcknuadeig, lard agreement of the panics swathe Damn Mt IOW is this Guaranty and saermas all poor uidenundang and 
cwtespowanca. o al cut erscm v. in rehne.t to the cobs a lamer liconf. No sherancia nfkr anenament so this Guaranty tall be effective unless given on Writing arid signed by the Pane' or pane 
sought io be charged or bound by the alteration or amendment. 
%pp& able Law This Guaranty shall be governed by and construed in aCCOrdanc. *Aiello tan of the snug where the lawns Dank referenced whom nniums as orwspal office 
'a lieraey's Fe.; Camases trualavacer agrees to pay upon &mid all of Bout's costs said camas, be haling reasonable sitomey's fees and Bank's legal cape:nes, arc untd nn COMICCIAM with the 
.*tout or the entecemene of this Guaranty Bank may pay someone else so help enforce this Guaranty and Guarantor shall pay the costs and expenses of such enlacement. Costs and eupenies 
nuclide Bank's reasonable aitooneys' fees and legal eapemes whether or mat there is a lawsuit for bankruptcy proceedings (and including efforts to modify or vacate any IMMIUM slay or 
thong took appeals, and any ainapaied post-eudgmem collation tents Guarantor also stall pay all coon emu and salt additional fees as nay be Snead by the court 
fmarpretatioa in all cases where there is non than WC Borrower or Goa/anion data all words used in this Guaranty in the &angular shall be deemed to have been tune n. the plural w hue the 
• next arid constriction so tiaint, and wen there is more than ere Borrower named on this Guaranty a when this Guaranty as cataloged by more tam one Guarantor, the word IMnower and 
0unantor" respectively shall mean all aid any one or mon of them. The words "Guarangor." "Borrower," and 'Bank: include the heirs, successors, assigns, and transferees of each of thent 
ljaption headings M this Guaranty are (or COrreenttliCe pWISHs only and are not to be used to interprel a define the prosaism of this Guaranty. If a COW of competent jatditioa finds any 
.iuvoston of this Guiana in be invalid or unenforceable as to any person a lifetienfairCe, such fudug shall not render that peontioa mould or unenforceable as b any other Pusan or 
circwomames, ad all provisions of that Guaranty in all other recants shall noun valid and eisforceade 
Waiver. Dank shall not be deemed to have waived any 'salts under On Guaranty unless such waiver is given in caning and signed by Bank- No delay or omission on the pan of Bail in CACM‘Ant 
any tight shall operate as a waiver of such right Of any oilier right A waiver by Bait of a provision of this Guaranty Mall not prejudice or consulate a waiver of Bank's nghg otherwse to demand 
tact compliance with that provision or any other provision of this Guaranty. No prior waver by Bak. not soy cows of dealing between [lank and Guarantor, shall osmium a noel of my of 
Bank's aghu or of any orGatintat's obligations as to any future bastion Whenever to /aeon of Barn ts Mona ski this Gowan, y. the granting of such canter by Bart in any meant 
shall War Kierneint sanssing contra m sdnetsent instances where such consent is required ad in all aka seacoasts may be paroled or withheld n the sole disunion' of Bank. 
There are Costs associated with at use of this credit card. For specific infotinstion regarding the cons, please write us at Palm 'leach National Bank & Trial Company, P O. Box 14211. North PAM 
Beach. Florida 13401 or call in at $e l-0244701 
Tie ,der signed caulks that all Wresitrall in this Applicaina and on each dannent required to be eructed m connection herewith, imleilang federal Saline la MUM/ MC vac current ad 
Oinapket- The undersigned "Morass Pahu Beath National Ranh & Trust Company to rely upon luck fakments, mike such inquires, and gather such 11110111.111081 as Palm lksh National LIMA er 
Trust Company deeus natant y and reasonable to venfy any information provided to Palm Beach Manorial Bank & Trust Conpany on this Application on any such required doewain including 
inmates to the Internal Revenue Service, busmen credit reporting and credit bureau agencies and assottalsourg, and further authorizes Palm Beach National Bank & Truce Conesay, a muting 
tOrrIPMY and arrthrlaCS and related thence corporation to exchange thin application, the skintaium COotained in or necretied with this Application and all Malang relationship =Manton nth 
radii ors"• ace a IL bnions tinder raparting a irtula lista >awes dad association rid credence of se .c.,:cr..sned. The uninsiand bather Arm 
ramify Palm DeaM, NEWMI tent A 
aw Company sons& of any MAKIMI change on any such traforniation 
The uadersIgned certifies that he/she Ms full authority to act oa behalf of Applause la mamanon with etas credit requesl-
iluCH UNIVISIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF T HIS GUARANTY AND AGREES TO ITS TERMS. 
"'ARANTOR NAME PRINTED 
irFfn 
SIGNATURE
DATE 
rt-
\ II IX/CIAO NIAIION NI L0 1111 \II NIS 
Please deliver your conerkted appliance along with the squared Sturm& to your Palm Beach NahoraIltart & Gnu Caspian rartscrubse for processing 
Case No. 08-80736-CV-MARRA 
P-001064 
EFTA00228444

Key Policy Exceptions 
 
Credit History 
 
Loan-to-Value Ratio 
Debt-to-Income Ratio 
Satisfactory Appraisal 
 
Debt Service Ratio 
 
Personal Guarantees 
X 
 Financial Statement/Application/Tax Returns 
Constr. Loan Ratios 
I 
 
Appropriate Terms/Amortization 
 
No Policy Exceptions 
4 
I 
Closing Requirements 
No Termite/Roof Insp. 
No Deposit Rcl'shp 
Policy Exceptions must be explained in the POLICY EXCEPTIONS paragraph of the Loan Presentation Write-Up. 
DEBT RANGE: (CREDIT LINES) 
1.
 MAXIMUM 
_MINIMUM 
LAYS OCT OF DEBT: 
2000-2001 
1999-200 
1998-1999 
ACCOUNT 
TYPE 
DIRECT 
RELATED 
TOTAL 
Avg. Collet Lend. Bal. Avg. Collec Lend. Bal. 
Avg. Collected 
E. 
i 
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) $ 
'SUMMARY 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 
MB 
S 
5,512 
S 
87,143 
ilM/MINH/O 1)Ittfrt‘O 
$ 
4,866 
S 
54,533 
S 113,800 
FEES 
PAID 
LOAN 
IN CASH FINANCE PROCEED OTHER: 
()AN FEE 
•:)C STAMPS 
(TANGIBLE TAX 
!EN FEES 
:CC FILINGS 
mTEREST 
,THER: 
SIGNERS & TITLE: 
CHECK/ 
ACCT 
WIRE 
OTHER: 
'NYMENT METHOD: COUPON 
"AN DATE: TBD 
FIRST PAYMENT DATE: Standard 
Case No. clkitp7315-CV-MARRA 
P-o0 I OD) 
BILLING 
X 
AUTO CHARGE 
It DOCUMENTS NEEDED: TBD 
EFTA00228445

winds •••aQuAtO
lb rut in roanucea by Equifax I User Reference: ANNL 
Page 2 of 2 
https://www.eport.equifax.cornicdat/scrylet/com.equifax.gt.edat.ui.ResultRouter 
6/5/2002 
Case No. 08-80736-CV-MARRA 
P-001066 
EFTA00228446

CUSTOMER PROFILE 
BANK 534 CUST 0 
CUST NAME 
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 - PR 
- BALANCE SUMMARY 
NEXT - 
PAGE 
1 
06/05/02 08:31:46 
00000002550 
JEFFREY E EPSTEIN 
457 MADISON AVE 4TH FL 
NEW YORK NY 10020 
OPEN 
03-08-1991 
PALM BEACH OFFICE 
0000200 
REMARKS 
HISTORICAL INFO 
TAX ID 
HOME PHONE 
BUS PHONE 
PRIM OFFICER 
H LOY ANDERSON 
SEC OFFICER 
DOROTHY WILSON 
S OPEN 
BIRTH 
P RELATION CDTYP 
BALANCE SRA 
O 11-98 P AUTH SIGN 
979 
• 
0 03-91 P SOLE OWNE N 015 
5,933 N • 
O 03-91 P SOLE OWNE N 015 
102,491 N • 
O 01-94 P SOLE OWNE H 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 • 
O 
OR 
09-00 P HH RELATE 
USE OPERATOR LOGICAL PAGING COMMANDS 
Case No. 08-80736-CV-MARRA 
P-001067 
EFTA00228447

INP4.11KY 
TRIAL BALANCE 
ACCOUNT: 
NAME: EPSTEIN JE 
BRANCH: 2 
TYPE ACCT: 015 
STATUS: 
DATE LST TRAN: 06-20-02 
DATE LST STMT: 05-31-02 
DATE LST DEP: 06-19-02 
LAST DEP: 15,000.00 
STOPS: N HOLDS: N 
# DEBITS: 13 
ATS IND: N 
S AVG SAL: 
CONS OD: 
0 
LAST CONTACT: 06-20-02 
UAF EXCEP TERM: 
RELATED LEDG BAL: 
AVAI 
INQL .1: 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 
0 UAF LIMIT: 
99999999999 
0 
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 
Case No. 08-80736-CV-MARRA 
P-001068 
EFTA00228448

rik.A.A.,U141 ,Al 
ACCOUNT: 
INt 
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 
ATS IND: N 
S AVG BAL: 
CONS OD: 
0 
LAST CONTACT: 06-20-02 
UAF EXCEP TERM: 
RELATED LEDO BAL: 
AVAIL SCHEDULE: 001 
TIN: 
ESCBA 
0 
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 
AUTHORITY: 
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 
06/21/02 
0 
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 
Case No. 08-80736-CV-MARRA 
P-001069 
EFTA00228449

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 
# DEBITS: 21 
ATS IND: N 
S AVG BAL: 
CONS OD: 
0 
LAST CONTACT: 06-19-02 
UAF EXCEP TERM: 
RELATED LEDG SAL: 
0 
AVAIL SCHEDULE: 001 
ESCBAL: .00 
INQL 
0 
atiAL BALANCE 
.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 
Case No. 08-80736-CV-MARRA 
P-001070 
EFTA00228450

ACCOUNT: 
INt 
'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 SCHEDULE: 001 
TIN: 
ESCBAL: .00 
evicca 
THiAL 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 
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 
Case No. 08-80736-CV-MARRA 
P-001071 
EFTA00228451

^LLU Ni 
ACCOUNT: 
INQ1 
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 
DEBITS: 4 
ATS IND: N 
S AVG BAL: 
CONS OD: 
0 
LAST CONTACT: 06-04-02 
UAF EXCEP TERM: 
RELATED LEDG BAL: 
AVAI 
TIN: 
ESCB 
. 
0 
0 
41411KY 
TRIAL BALANCE 
VI: 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 
Case No. 08-80736-CV-MARRA 
P-001072 
EFTA00228452

191O,4.al 
TRIAL BALANCE 
_ 
14:09:10 
ACCOUNT: 
INQ 
2Y: 202 SEARCH: 
AUTHORITY: 
NAME: EPSTEIN JEFFREY E 
CERTIFICATE OF DEPOSIT ACCOUNT 
BRANCH: 2 
OPEN DATE: 08-24-1999 
LEDGER: 114,530.51 
TYPE ACCT: 028 
OFFICERS: 00024 00018 
CURBAL: 114,530.51 
06/21/02 
0 
STATUS: 
DATE LST IRAN: 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: 
AVAIL SCHEDULE: I. 
TIN: S 
£ECBAL: .00 
0 
SERV CHG: 500 
CHG/NO CHG: 0 
ANL CYC: 100 
STMT CYC: 100 
TIMES OD-Y: 
RETURNS-Y: 
# CREDITS: 
SAV ACCT: 
S MIN BAL: 
DORM S/C: .00 
DATE LAST MAINT:02-14-01 
UAF LIMIT: 
99999999999 
AVL EXCPN DATE: 00-00-00 
POST ACH: N 
''DOLLAR HOLD ON THIS ACCOUNT 
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 
Case No. 08-80736-CV-MARRA 
P-001073 
EFTA00228453

LNancy Bruno - Jeffrey Epstein 
Page 11 
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 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. 
Case No. 08-80736-CV-MARRA 
P-001074 
EFTA00228454

rtslency.Bruno :Re: Jeffrey Epstein 
Pagel 
From: 
Nancy Bruno 
To: 
Girton, 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? 
Case No. 08-80736-CV-MARRA 
P-001075 
EFTA00228455

d 6s, 
Lz_e_ 
Case No. 08-80736-CV-MARRA 
P-001076 
EFTA00228456

CREDIT CARD UNDERWRITING WORKSHEET 
Applicant %.C-c-rey
Sitiri Beacon Score 
14 ES, 4— LC 
Co-Applicant 
Beacon Score 
498
INCOME: 
DEBT: 
Gross Monthly: 
 Mortgage/Rent: 
 
 Equity Line/Loan: 
Other: 
 Auto Loan: 
Total Income(A) 
 Installment Pymts: 
BANKING: 
Yes 
No 
Revolving Pymts: 
(5% of bal from credit report) 
Checking 
Savings 
Alimony/Child Support: 
Other: 
Other: 
Established since: 
Proposed Payment: 
EMPLOYMENT 
(5% of credit limit) 
Verified on: 
 
Total Expenses(B) 
Verified with: 
(B)  
 
divided by (A) S 
ex
Visa 
Visa Gold 
MC
/ 
 
MC Gold 
Secured 
t 13esS 
Credit Limit: Sac 000.0° 
Referring Branch: 
Officer No.: 
Overdraft Protection: 
Yes 
No 
Auto Pay: 
Yes 
No 
Approved By: 
 
Date: 
Approved By: 
Date: 
Exceptions to policy. O0 
Inc:La/IC tca. 
t•(-4"esnavt S 
o r 
12‘as t 
e ss -IAN( ce-t-L>r n S 
Justification: 
Case No. 08-80736-CV-MARRA 
P-001077 
EFTA00228457

VISA USINESS CREDIT CARD AFMICATION 
CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH # 
REFERRED BY: 
CC:.;PANY APPLICANT 
COMPANY NAME: 
NES, LLC 
NATURE (TYPE) OF THE BUSINESS: 
Real Estate 
INDICATE TITLE DESIRED ON THE CARD• (LIMITFD TO 24 SPACFS) 
ZREDOUE1-00000000000000000 
BILLING ADDRESS: 
9 East 71st Street 
TYPE OF ORGANIZATION (PLEASE CHECK):LLC 
DATE BUSINESS ESTABLISHED: 
FEDERAL EN NUMBER: 
JiCORPORATION nPARTNFRSHIP nPROPRIETORSHIP 
/ 
/ 
NAME OF CONTACT PERSON: 
STREET: 
CITY: 
STATE: 
ZIP CODE: 
New York 
New York 
10021 
OWNER(S)/OFFICER(S)/PARTNER(S) WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). GUARANTOR(S) 
MUST COMPLETE THIS SECTION AND SIGN AT THE BOTTOM OF THE REVERSE SIDE OF THIS APPLICATION. 
GUARANTOR 1: FIRST NAME 
MIDDLE INITIAL LAST NAME 
Jeffrey E. Epstein 
RESIDENTIAL ADDRESS: 
STREET: 
15R El Brill° Nay 
APTN: 
CITY: 
STATE: 
ZIP 'CODE: 
YEARS AT ADDRESS 
Palm Beach, Fl 334813 
10 
OWNERSHIP STATUS: 
DOWN FIRFNT nOTHFR. 
n/a 
POSITION WITH COMPANY: 
% OF OWNERSHIP 
Sole Member 
100 
GUARANTOR 2: FIRST NAME 
MIDDLE INITIAL LAST NAME 
MONTHLY MORTGAGFJRENTAL PAYMENT 
HOME TELEPHONE NUMBER 
S
TIME WITH COMPANY: 
3 yrs 
MBER 
DATE OF BIRTH 
SOCIAL SECURITY NUMBER 
RESIDENTIAL ADDRESS: 
STREET: 
APT#: 
CITY: 
STATE: 
ZIP CODE: 
YEARS AT ADDRESS 
OWNERSHIP STATUS: 
nOWN nRFNT nOTHER: 
POSITION WITH COMPANY: 
MONTHLY MORTGAGE/RENTAL PAYMENT 
HOME TELEPHONE NUMBER 
% OF OWNERSHIP 
TIME WITH COMPANY: OFFICE TELEPHONE NUMBER 
BANKING & 01 HLR CHL.L)I I CARD RELA I :U:.SH PS 
PRIMARY BANK 
Chase Bank 
OTHER BANK: 
Palm Beach Bank 
AMERICAN EXPRESS 
CORPORATE CARD? OYES ONO 
VISA BUSINESS OR 
f:ORPORATF CARO? nyes PNO 
MASTERCARD BUSINESS OR 
CORPORATE CARD? OYES ONO 
IIIIIIMIMIACCOUNT 
# 
OTHER ACCOUNTS 
nLOAN OSAVINGS ACCT °CREDIT CARD 
TYPE(S)OF ACCOUNT(S): Personal account of Guarantor 
OCHECKING ACCOUNT 
nit OAN nsAviNGs ACCOUNT 
O CFtEDIT CARD 
ACCOUNT NUMBER: 
DATE OPENED: 
BALANCE: 
ACCOUNT NUMBER: 
ACCOUNT NUMBER: 
S
DATE OPENED: 
BALANCE: 
S
BALANCE: 
DATE OPENED: 
AUTHORIZED INDIVIDUAL CARDHOLDERIS) 
LIST THE NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES: 
NAME (PRINT) 
SOCIAL SECURITY a 
SIGNATURE 
CASH ADVANCE ACCESS? CREDIT LIMIT 
OYES 'ONO 
; 10.000.00 
OYES CNO 
10,000.00 
OYES ONO 
t 
s 000 on 
OYES ONO 
$ 
TOTAL CORPORATE CREDIT LIMIT REQUESTED: I 
BM [NG CPT :CT.S 
&IONE CONSOLIDATED MONTHLY STATEMENT 
°INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH 
°STANDARD QUARTERLY REPORTS PACKAGE °ENHANCED REPORTS PACKAGE OPTION (CALL US FOR DETAILS) 
6. 
Applicant mpors•Ms that this Informetica is true and complete. and authcilvn creditor lo verity the Ithannalaxi and obtain adclikanal Informilal ioncarnerg Cargany's Ind 
standing. end lo furnish such credit Information b otters. Company *grow lo be bound by and obligated *zoning bus creditors VISA Business Card Regulations. 
Applicant represent, and warrants that the credit card account will be used primarily (SO% or more) for other than notional. family household or agricultural 
pwposes. Applicant understands that this representation lab connow that no disclosures wit required under the Federal Truthirolanding law. 
SIGNATURE 
Aspirant rogues establielwneM of an accourd for ascii 
Each sawn deeignetad person is an .Whaled use 
wenn n fl
ip by are Cense* 
APPLICANT SIGNATURE: 
PRINT NAME: 
use Shiplielle above or on nor dawned Net. as may be amended in writing horn lime lo tiny by Applicant. 
10 Me as sail 
dasignated kW such authorised Ueer we the aeries is noelied lo the 
DATE* 
CORPORATE TITLE: 
VseN 
Case No. 08-80736-CV-MARRA 
P-001078 
EFTA00228458

1 1571USINESS CREDIT CARD A - 'LIGATION 
CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH 0 
REFERRED BY: 
COMPANY APPLICANT 
COMPANY NAME: 
IQCS
NATURE (TYPE) OF THE BUSINESS: 
Ch)cr, 
E
-ST:4-Tc. , 
INDICATE TITLE DESIRED ON THE CARD: Q IMITFD TO 24 SPACES) 
000000000000000000000000 
BILLING ADDRESS:
) P  
STREET' 
ITY: 
STATE: 
CI CA3 
 cls-ritc-c-r-- 
1,)co o„_, 
N 
TYPE OF ORGANIZATION (PLEASE CHECK): 
LA-C.. , 
DATE BUSINE 
ESTABLISHED: 
flcoRPORATION nPARTNFRSHIP P(PRorittETORSH 
NAMEdF CONTACT PgON: 
• ■ 
2. 
OWNER(S)/OFFICER(S)/PARTNER(S) WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). GUARANTOR(S) 
MUST COMPLETE THIS SECTION AND SIGN AT THE BOTTOM OF THE REVERSE SIDE OF THIS APPLICATION. 
OWNER/OFFICER/PARTNER It•rwrvf."....,,. 
ZIP CODE: 
1002 
FEDERAL EIN NUMBER: 
GUARANTOR 1: FIRST NAME 
MIDDLE INITIAL LAST NAME 
• 
EPSIc 
RESIDENTIAL /ADDRESS: 
STREET: 
APTN: 
CITY: 
. 
. 
R
e) 
OWNERSHIP STATUS: 
00: 11•WN ORFNT (IOTHER• 
‘POSITION WITH COMPANY: 
)0(..0 
4)
W4A 
?3 r 0 id 
MONTHLY MORTGAGE/RENTAL 
'MENT
HOME TELEPHONE NUMBER 
QWS[RSHIP 
TIME. WITH COMPANY: 
OFFICE TELEPHONE 
ER 
% OF 
GUARANTOR 2: FIRST NAME 
MIDDLE INITIAL LAST NAME 
ft.% • 
(?I2)7Sru 
DATE OF BIRTH 
SOCIAL. SECURITY NUMBER 
RESIDENTIAL ADDRESS: 
STREET: 
APTO: 
CITY: 
STATE: 
ZIP CODE: 
YEARS AT ADDRESS 
• 
OWNERSHIP STATUS: 
)TOWN ORENT nOTHER: 
POSITION WITH COMPANY: 
MONTHLY MORTGAGE/RENTAL PAYMENT 
HOME TELEPHONE NUMBER 
% OF OWNERSHIP 
TIME WITH COMPANY: OFFICE TELEPHONE NUMBER 
( 
) 
3. 
BANKING el OTHER CREDIT CARD RELATIONSHIPS 
PRIMARY BAN 
C A.S4 
nh(.., 
OTHERAANK: 
1  A 
AL.*
AMERICAN EXPRESS 
CORPORATE CARD? OYES ONO 
VISA BUSINESS OR 
CORPORATE CARD? nYES nNo 
MASTERCARD BUSINESS OR 
CORPORATE CARD? OYES ONO 
BUSIN 
ik"3 
nebIECKING ACCOUNT 
ACCOUNT NUMBER: 
ACCOUNT NUMBER: 
.ACCOUNT NUMBER: 
OTHER ACCOUNTS 
D-OJ UT'S Or 
u0444,vm,4...2
OLOAN 04SAVINOS ACCT i8REDIT CARD 
IL% on1 AA- 
MOAN n SAVINGS ACCOUNT 
nCRFDIT CARD 
DATE OPENED: 
BALANCE: 
DATE OPENED: 
BALANCE: 
S
BALANCE: 
GATE OPENED: 
AUTHORIZED INDIVIDUAL CARDHOLDERS) 
LIST THE NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES: 
NAME (PRINT) 
SOCIAL SECURITY 
SIGNATURE 
CASH ADVANCE ACCESS? CREDIT LIMIT 
OYES kNO 
OYES KNO 
OYES 
*ONO 
OYES ONO 
TOTAL CORPORATE CREDIT UMIT REQUESTED: $ 
I ONE CONSOLIDATED MONTHLY STATEMENT 
°STANDARD QUARTERLY REPORTS PACKAGE 
3. 
Appkanl isprosanla Vol V* Inlonnslion Is Ins and couplet and authorizes unclear ki verily kW kilometre end obtain @dans' Infommillon concommg Company's camel 
standing. Yd kl.lglIletl such code ellonneben lo ones. Crawly spun to be bound by wed oblgolsd wording lo n credllors VISA leusIness Card Regulations. 
BILLING OPTIONS 
I iQ 00").0 
S /0,O00...)
S C'OCC• 00
0 INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONI II 
°ENHANCED REPORTS PACKAGE OPTION (CALL US FOR DETAILS) 
SIGNATURE 
Antal 
copeosents and wanes INA On can card accord is  be used petinadly (SO% or roots) lot other than persons,. Weft household or agricultural 
6••••••••• Ann an. wwkwatawd• VW Ida nowasaastalka le calks dal so dlsalwawn en windeed wader Ike Fears( Tnelhawasendlng law. 
Applicant requests oslablelemenl of an mond lot each 
Each such cholcitsled person Is an sulhairad rear 
tonlary M verlUng by the Comply.. 
APPLICANT SIGNATURE: 
sae 
stove a on le .U.4.$ NI, es may Os emendo0 M mons son. sue es sera by Aopecan• 
to use n account daslenelsd for such suestrul use teal n crocraot Is needed Is ro. 
DATE* 
/ 
° 
PRINT NAME: 
1 
"7"-01 
2 SIC In) 
 CORPORATE TITLE: 
Vi V.An P) ge. 
Case No. 08-80736-CV-MARRA 
P-001079 
EFTA00228459

VISA° Business Card Regu("ons 
Ingterrnsandcmndfflonc 
Palm Beach National Bank 6 Trust Co. 
3931 RCA Blvd. Suite 3102 
Palm Beach Gardens, Florida 33410 
The undersigned Holder agree/Th Me folio 
a 
DEW 
day of 
Name ol HMS 
By: 
Aut 
Title 
1. Agreement. These regulations govern the possession and use of 
VISA Business Cards ("card') issued by Issuing Financial Institution 
(*issuer"). Each party that apples 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 ol these regulations, as they may be amended from time 
to lime as provided in these regulations, govern Holder's obligations. 
notwithstanding any additional or different terms contained in the cards. 
sales drafts. credit abustment memos and cash advance drafts or any 
other documents evidencing an acre. mt transaction. Holder authorizes an 
investigation of its credit standing prior to the issuance of cards and at any 
time thereafter, and authonzes 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 Fees. A nonrefundable annual membership lee of 
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$ n/a wilt be assessed per card for the lest  n/a  card(s) issued. 
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$ 14/a  per card if n/a  cards are issued, $  ista. per card il 
_ 
 n/ acards are issued, and $ n/a per card if n/a cards are issued. 
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 kabkty to pur-
chases made or cash received. The card may also be used to obtain cash 
advances from certain automated equipment provided it is used with the 
correct personal identification number ('PIN"). The amount and frequency 
of cash withdrawals 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 tor the unauthorized use of a card or PIN issued at 
Holders request for charges that occur before Issuer receives notification 
crafty 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 Holders request, 
Holder will be liable for any and all unauthorized use of a card. 
Unauthorized use is any use by an individual other than 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 Bankcard 
Center, P.O. Box 1111, Madison, WI 53701-11 11, Telephone (608) 829-
6100 or 1.800-221.5920. Holder shall be liable for all charges, lees and 
other costs that acaue on each account. 
4. Credit Lino. Holder will from time to time be informed or the amount 
of the approved credit line under each account established for Holder, and 
Holder covenants not to make. authonze or allow credit purchases or bor-
rowings in excess of the amount. However, notwithstanding such credit 
line, Holder is liable for all purchases and borrowings made with its cards 
by it or by anyone authorized to use the cards. 
5. Payment. Holder will be furnished at the address identified by Holder. 
a monthly statement for each account lot each billing period at the end of 
which there is an undisputed debit or credit balance of $1.00 or more. 
The fun amount bitied (*New Balance') is due on demand. If Issuer does 
not demand payment of the New Balance on the monthly baling state-
ment, either (a) the New Balance or, (b) a Minimum Payment of the 
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greater of $ _20.  or  5 
 % of the New Balance, shall be paid with-
in 25 days after the Closing Date of that billing statement. Payments must 
be made at Bankcard Center. Milwaukee, Wisconsin, 53288-0200. 
Payments made al any other location may cause delay in crediting the 
I
account. Payments received after 2:00 P.M. on any Monday through 
Friday, but excluding federal legal holidays, or at any time on any non-
banking day wis be considered as payments oracle on the following bank-
ing day. All payments wilt be applied first 10 interest. second to additional 
fees. 0 any, in the order of thew 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 az shown on 
the monthly statements. for each billing period in which there is a cash 
advance or the Previous Balance is not paid in lull prior to the Closing Date of 
the bitting statement. Interest rs computed by applying the more* periodic 
— 
rate of 1.28 .1. (ANNUAL PERCENTAGE RATE Oft& S 
 %) 
to the average d&y balance of the account To get the averaged* bal-
ance, we take the beginning balance of the account each day. add any 
new cash advances. credit purchases and other charges, and subtract 
233-106 NIP p,03) 
Case No. 08-80736-CV-MARRA 
any payments or credits. unpaid late charges. unpaid membership fees and 
other unpaid fees. This gives us the daily balance. Then. we add up al of 
the dairy balances for the Wing cycle and divide the total by the number of 
days in the biding cycle. This gives us the average aaliy 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 accrue on the date the advance is posted to 
the account. AcIckhonal interest on an account may be avoided by paying in
lull the New Balance shown on the account's monthly statement within 25 
days after the Closing Date for that statement. 
7. Additional Feet Each account shall be subject to the following addi-
tional fees: (1)525.  /or  n/4_ 1% late charge il any minimum payment 
is not paid in full on or before the due date shown on the monthly statement 
issued immediately alter the monthly statement on which the unpaid mini-
mum payment first appears; (2) $  10.00 for each cash advance; (3) 55 
for replacement ol a card; and (4) reasonable charges according to the 
then current fee schedule for additional copes ol monthly statements. 
drafts and receipts requested. Fees imposed will be posted to the account. 
8. Foreign Transactions. If a Holders card is used to effect a transaction 
in a foreign currency, the transaction amount will be converted to U.S. dol-
lars by VISA International. VISA converts foreign currency to U.S. dollars 
using either the government mandated exchange rate or the wholesale 
exchange rate, in effect one day before the date of the conversion, as 
applicable. The exchange rate is increased by 1% lithe conversion is made 
in connection with a charge to an account and decreased by 1% if the con 
version is made in connection with a credit to an account. The date of con-
version by VISA may differ frOm the purchase date and the posting date 
identified in the monthly statement for the aCCOunt Holder agrees to pay 
charges and accept credits for the converted transaction amounts in accor-
dance with the terms of this paragraph. 
9. Disputes. Issuer is not responsible for relusal 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 set-
tled by Holder with the merchant concerned. 
10. Default. Hoider Covenants to observe and comply with these reguia. 
tions and not to permit an event of default to occur. Holder further 
covenants not to take any action or permit arty event to mar which maten-
ally 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 Day 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 falls to observe any 
covenant or duty contained in these regulations; (d) any item in any linen. 
cal 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 ol Holder's account shall, at 
Issuer's option become immediately due and payable. Holder agrees to 
pay all costs of collection before and alter judgment. including reasonable 
attorneys' fees (including those incurred in successful defense or settle-
ment of any counterclaim brought by Holder or incident to any action or pro. 
ceeding involving Holder brought pursuant to the United States Bankruptcy 
Code). 
11. Termination. Holder's consent to these regulations may be terminat. 
ad at any time by surrendering the cards issued to Holder or at Holders 
request. but such termination shall not affect Holders obligations as to any 
balances or charges outstanding at the time of termination Termination by 
any Holder shall be baiting on each Authorized User. Unless sooner term 
nated. Ire pnvilege to use the cards shall expire on the date shown on the 
cards. At any time. without %ability to Holder and without affecting Holders 
liability tor credit previously extended. Holders privilege to use the cards 
may be revoked or limited by Issuer to the extern not prohibited by law. 
The cards are and shall remain the property ol Issuer and Holder agrees to 
surrender them to Issuer upon demand. Holder agrees to notify Issuer of 
any cancellation of an AuthOnAed User's charging privileges. Holder shall 
return to Issuer any cards issued to Authorized Users whose privileges 
have been terminated. 
12. Amendments. Issuer may amend these regulations and may amend 
the charge terms from time to time and will mail to Holder at Holder's Iasi 
known address as shown on the records of Issuer written notice of any 
such change not loss than 15 days prior to Its effective date, or as other-
wise required by law. Invalidity ol any provision of these regulations shall 
not affect the validity of any other provisions. 
13. Governing Law. Holder agrees to be governed by  Find du 
law with rasped to all 'sports of the transactions arising under these foffu-
talons. 
P-001080 
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EFTA00228460