Ill First Bank

Ill First Bank Together we are one Document Checklist for Business Accounts File Important note: Please refer to the Account Opening Procedures for specific information on the various types of documents required at account opening. Account Title: I Account Number: Date Opened: '1:311 1,,c2 General Documents es)::„d , i Check El if Is completed or NIA If not applicable Remarks Signature Cards r., Client Due Diligence Easiness Accounts vy Due Diligence for High Risk Business Accounts (Checklist) o," Observations al Place of Business 2> OFAC9LC (pint evidence of verification) Document Checklist for Business Accounts File ...-7 Appropriate W-8 Form (if non-U. S. entity) Disclosures that must be given to client: USA Patriot Act Customer Information Program Notice ...---- Rates and Fees Schedule k--- Account Agreement 4...- FDIC Insuring Your Deposit Brochure (USVI only) ,.....- NOM of Negative Information Disclosure ..--- First BanCorp Information Sharng and Privacy Policy fr." Other Documents Check EI if is completed or WA if not applicable -Ziertetteoe ,,,,4witZ,r1 Remarks fitalifilitankranalaitiaitiltairty. , vratia Cake* of Incorporation or Certificate ol Clualfration (A a U.S based corporation) Business/Trade License (current) Cerofrate of Good Standing Arodes ol incoroorason (stamped by the Office ol the lieutenant Governor if USVI and ere Registrar olComparies ki the BVI) Certificate of Trade Name Corporate Resolution (with Corporate Seal) Corporate Resolution and Corporate Authorization and Indemnity Agreement for TelephonelTelex/Facsimile/Written Instructions. (This document is only required if client requests fund transfers by phone fax or messenger) • O.. •(0,-I'L.-e “ Partnership Letter and Searrip Agreement Business/Traderipens° (current) Partnership Agreement (A it exists) Cerbfr.ate of Trade Name (it appricabie) Cenificate of Limited Partnership (il applicable) Resoknon where Partnership contains Corporation as a Partner (il appwaleot Partnership Contain Limited Gadfly Company as a Partner (A apphcatle) Partnership Calains Trust as a Partner (il meltable) Pannershoecntains Joint venture as a Partner (1 applicable) Seco* Procedure Agreement tor TehiphonerFar Issuance of Payment Orders or Request for international Drafts Fl requested) _ . Sole Propriebr Agreement (Individual) Sole Proprietorship Multi* Authorized Signers (if apt:arable) Businessgrale License (current) Calera of Trade Name (il applicable) Secunty Procedure Agreement for Teleptone'Fax Isspance of Payment Orders a Request for liternational Draft (if requested) .:.,7.7C‘c!7;-• 2. riWi'W,T,;Tt2:31,..., 2;:tfiff...1n1-2711,31:742,-;sr, -,Issitdi.,...L._— 1....„--I;NcL,. ..- SONY GM_00013710 Unincorporated AssociatInn Resolution (signed by the ) Secunty Procedure Agreement for Telephone/Fait !sue erviispENTIAL.......•_•__•._..• irstban EFTA_DO 24053 EFTA01269520 cri fat ItafMcfalleWi lfge*NDOMM Limited Liability Company Letter and Secunty Agreement Business/Trade License (anent) Operating Agreemert Amdes of Organriaten or Certificate of Fcemation (nor-bank form- a me PLLC a anew Ptt.0 Cerefrate of Existence Sectay Procecure Agreement for Teleohonaf ax Issuance of Payment Orders or Request for International Drafts (1 requested) -B taincorporated Limited Labia Company Contains Corporate ktmbevMsnager (4 applicable) Limited Liability Comeau Conlon Limited Liability Company as a MemberMarager (4 apt:doable) Limited Liability Company Contans Limited Liabity Partnership as a Member/Manager (if enAt-able) Limited Liability Company Contains Partnership as a MemberiManager td applicable} Limited Liability Company Contains Trust as a Priemberktanager (it applicable) Limited Liability Company Unincorporated Association as a Mentedllanager (t writable) Limited Lability Company Contains Joint Venture as a MentenManager (4 applicable) ., Corporate Resolution Certificate of Incorporatien or Certificate of Oualifirabon (d a U.S. based corporation) Artioes of Mcaporation (stamped by the Moe al the Lieutenant Gaynor) BusinessfTrade License (current) Corporate Resolution and Corporate Authorization and Indemnity Agreement for Teleftwnerfelex/FacsimileNVritten Instructions. (This document is only required if client requests fund transfers by phone, fax or messenger) United Liability Careen) Letter & Secuity Agree-nent Business/Trade license (Centre) i I 4( it f;.'::.: -i- /1.'1 , 1: , ( , 11•,,, „ , Certificate of Trade Nam (If applicable) CACI Operating Agreement Articles of Organization cr Certifesate of Pamela:in (non-bank tom-required it lie LW is a 'nevi LW) / Certificate of Existence Sean* Ptocedure Agreement for Telephone* ax Issuance of Payment Orders a Request to Intentationel Drafts (it requested) Limited lethally Company Cortex.* Corporate litemberiManager(d applicable) Limited Liability Company Contains Limited Liability Canpany as a Member/Maragei (il applicable) Limited Leaky Germany Conan Limited Lability Partnership as a Member/Amager (if applkable) Limited Liability Company Contain Partnership as a klemtertmanagee (it applicable) Limited Lebrity Company Cor4ahs Tiust as a Membecilitarager (A applicable) Limited Liability Comely Contains Unincorporated Association as a MemberManager Of applcable) Limited Liability Company Contains Joint Venture as a lAemberiblaneger (d applicable) b e - tit ...1.fizy x Limited Liabitty ParinersIV Letter and Security Agreement Celt:foaled Limited Parinersip (Limeed Pamership) - Not required when opening accounts for law firms or secunty brokerage 60uSes Cerbfrate of Existerce Businessrf rade License (current) Operating Agreement Statement of Clualkation or Statement of Foreign Qualification Certificate of Trade Name (4apotuable) Security Procedure Agreement tot Terephcoef ax Issuance of Payment Orders or Request for International Drafts (V requested) Limited Lability Partnership Contains United Liability Company as a klembetiMariager (fil applicable) tinted Liability Partnership Contains Limbed May Partnershp as a Memberiblanaget (d applicable) Limited Liability Partnership Contains Partnership as a MenterlAanager Of applicable) Notice of Appointment (Court Order or Court Appointment Papers) Security Procedure Agreement for Telephone ax Isscance of Payment Orders or Request for International Drafts (4 requested) SONY_OM_00013711 AICI . —..—.— —..—... EFTA_00 I 24354 EFTA01269521 iu If the PAC is an Unincorporated ASSCCaten, then a leder signed by the presided of the assocabon Nat PI the association purpose and an UnonanDrab 9d Associaton Resokiton rewired It Me PAC's a Nof for profit Ciorpotatign, a Certificate ol Incorporating fora Nen-Clod( Corporation is moored A cergficalion hen the Virgin Islands Board of Elections Additional Documents (supporting documents) Bureau Report OCreds °Other In-house Bank Reference Other Banking References Income dedication Professional association amnion litarketinprochures. business Web site and other market media See Photos, Unities rooms (itater,sleckaity. telepficno) Sample ol entity stationery (presentation card, letter head paper, envelopes...1 Other: _Other: _Other: Other:_ Other. Other: Other: Check El if is obtained or WA if not applicable Remarks OR ACCOUNT REFERALS ONLY: If this account opening was referred by a Department's Officer, other than the Branch's Officer, please fill out the following certification. This account was referred by (name) (title) of (Department) to be opened at Branch. I certify that I complied with the Customer Identification Program aid reviewed this customer's profile and supporting documentation in compliance with the Customer Due Diligence and Enhance Due Diligence processes. Name & Title Signature Date CONFIDENTIAL SDNY_GM_00013712 CONFIDENTIAL FirstBankPR000875 EFTA_OOI 24355 EFTA01269522 DUE DILIGENCE FOR HIGH RISK BUSINESS (CHECKLIST) Account Title FSF, LLC Account Number: 7322000576 I First Bank Together we are one High Risk Business require additional due diligence. If more than one type of business applies. then follow the requirements for all the types of business that does apply. Some Hioh Risk Businesses require the completion of the "Observation at Place ob Business Form". If a Business is under construction or the client has not yet established a 'facility' and our Manager must approve the delay in completing the Observation Form. All 'high risk' business is not necessarily listed below. If you believe a business to be 'high nsk'. and it is not listed below, you must contact BSA Compliance Office for direction and guidance. Where BSA Compliance consultation or approval required, the requirement cannot be waned. BUSINESS TYPE O Financial Institutions (Credit Union. Commercial and Pnvate Lencers, Mortgage Brokers, Private Bank and National Bank) ❑ Non-Bank Financial Institution (Currency Exchange, Foreign Exchange and Casino) O Cash Intensive Business (Any retail business whose transaction Profile shows $30,000 or more in cash per week and who is not a recognized regional or national chain, e.g. Walgreens, TGI Fridays. Chills, Amigo. etc.) - Foods and chinking places - Grocery Stores - Beer. wine and liquor store - Art dealers - Vending Machine Operators O Telecommunications/ Phone Cards/ Telephone Centers O Travel Agency O Import/ Export Business (Physical Inventory in store or warehouse can be observed) O Jewelry/ Genii Precious Metals O Electronics (who'esale) ❑ Gas Stations O Gambling/Gaming Establishments (" 20% of the activity) O Import/Expon Broker (never takes possession of goods. either home base or no physical location accessible to demonstrate business) O Used Car Sale (no sales location) O Freight Transportation O Transit and Ground Transportation ❑ Off-Shore Corporations (review the Articles of Incorporation. If Corporate Structure uses 'bearer shares' do no open the account). Under no circumstances may the business be incorporated in a financial haven country. See for a listing of theses countries. REQUIRED ACTION Note: FIRSTBANK does not open account for money transmitters or check cashing business. O Operating accounts for Financial and Non-Bank Institutions Do not require the approval of FirstBank's BSA Compliance Department. In this case you will: — Need a letter form the customer on company letterhead — Staling the account is for operational purposes only. and — No customer funds will flow through the account. — Third parties cannot fund operating accounts O The BSA Compliance Officer approval required prior to opening for all other typos of accounts. Call 787-993-5150. O Visit the place of business and complete the 'Observations at the Place of Business' form. This must be done within 4 weeks of account opening. If the business is no located in you marketplace (i.e. Customer lives in Ponce and open an account in Hato Rey Branch) the Bank Office opening the account must indicated the reason for opening the account at Branch on the Observation. at trio Place of Business Form and why this explanation makes business sense. O ATM Verify if privately owned ATMs are located on the premises. If yes, obtain copy of Third Pasty Agreements. O If the business sells monetary instruments (money order) and/or prepaid cards, obtain copy of the Sales Agent Agreement. O Car/Boat/ Plane Dealership O Stock Brokerage O Foreign Business no registered to do business in the United States (including Puerto Rico). United States Virgin Islands, or British Virgin Islands ❑ Internal Business — Any business that sells the majority of its goods and services over the Internet (Not a retail outlet that also has a web page). O Personal Investment Company O Investment Management Business C'ONFIDENTIAL - CONFI Obtain at least 2 or more of any of the following (copy for the file) O Invoices O Shipping documents O Contracts These must be supportive of the volume of business anticipated in the Transaction Profile. For example: If a company indicated that wires in $200,000 range will be received, 2 invoices for $460 are not acceptable. Sample IRS Fenn 8300 for review. If customer indicates cash sales do not exceed $10,000 to a customer, indicate this on the Observations at the Place of Business form. Visit the place of business and complete the 'Observations at the Pace of Business' form. This must be done within 4 weeks of account opening. It the business is no located in you marketplace (i.e. Customer lives in Ponce and open an account in Caguas) the Bank Office opening the account must incficated the reason (or opening the account at Branch on the Observation, at the Place of Business Form and why this explanation makes business sense. Note: At present. FIRSTBANK does not open accounts for foreign business not registered to do business In the United States. You must review the website to ensure that there Is no Information that could result in embarrassment or negative publicity for FIRST BANK. (Examples: adult entertainment. pornography. etc.) I tin •- r its iiiestment busingewjsc nateggigqihtopproval of n . h case. you will need: — - ter fen rnennony letterhaerl etaHnn the anneint FirstBankPR000876 EFTA_00124356 EFTA01269523 BUSINESS TYPE REQUIRED ACTION O Nome Based Business O Legal Services O Accounting, Tax Preparation. and Payroll Services O Computer System Design and Related Services O Business Accepting thirdparly checks ❑ Embassies/Consulates and other Representative Office of Foreign Governments O Charitable Organizations. Not for Profits and religious Organizations - Religous Organizations - Grant making and giving services - Civic and Social Organizations O Initial Deposit greater Than S600K Obtain any two (2) of the following (copies for filo): • Invoices forte supple's • Contracts with customer • Telephone verification with customers in lieu of contracts • Copy of a license to engage in a particular business (if required by your state) Any document from a third party to the ownedegnedbusiness evidencing that the business is engaged in the activity they claim which can be verified by telephone. If the business owner has maintained his personal checking account of another business account with First Bank for 6 month or more or longer. The Branch Manager may waive the requirement for invoices/ contracts. etc. If deemed prudent to do so. The following information must be documented in the accountketabonship filo. • Owner's name • Customer or other business account number • Date opened Branch management must provide a justification memo to be kept on file explaining the reason for opening the relationship. This justification should clearly indicate the relationship between the Branch customer and the third party whose checks are being deposited. All reevant documentation. e.g. Customer Due Diligence (CDD) Profile, customer contractual agreements, a listing of the businesses' customers. etc. must be sent with the justification memo. Needs the approval of the Branch Manager. O The BSA Compliance Officer approval required prior to opening these types of accounts. Call 787-993-5150. Obtain the following information and document in the observation at piece of business document (copies on file): • Purpose and objective of their activities • Organization structure • The donor and volunteer base • Funding and disbursement criteria • Large contributors • Affiliation with other Charitable Groups • Fundng end disbursement criteria The Source of Wealth must be determined and recorded. Refer to Guide for Ft pave reviewed the customer profile of this prospect and determined that thl Is not a high risk business and the )1 Approved O Denied (Reason): 0 Approved subject to: Illaciatut at, Business Manager Name/Officer in Charge Signa This account was classified high risk business and the account opening reques nt opening request was: to 5: • Approved O Denied (Reason): O Approved subject to: Business Manager Name/Officer in Charge Signature Date CONFIDENTIAL SDNY_GM_00013714 CONFIDENTIAL FirstBankPR000877 EFTA_00124357 EFTA01269524 Due Diligence For High Risk Individuals (Checklist) Account Title: JeffreyEpstein Account Number: First Bank Together we are one High Risk Individuals require additional due diligence. Examples of High Risk Individuals are Nonresident Aliens, Foreign Individuals and Politically Exposed Persons. Where BSA Compliance consultation or approval required, the requirement cannot be waived. O Nonresident Aliens and Foreign Individuals El Foreign Public Figure/ Related Individuals O A 'Public Figure' is any foreign (non US-citlzen) vitro occupies or recently occupied, is actively seeking or is being considered for a senior position in a government (or political party), or any department (including th ID Senior foreign executives of foreign government- owe military), agency, or instrumentality thereof. nod corporations are also considered public figures. ❑ A "Related Individual" is a member of the immediate family of a public figure (e.g., a spouse, parent, sibling, or child) or a senior advisor closely associated with a public figure. O Legal entities in which public figures or related individuals have a substantial ownership interest. O Initial Deposit greater than $100K Accounts where Nonresident Aliens and Foreign Individuals have a substantial ownership Interest the following procedures shall be followed: • Requiring current passport, accompanied by a current visa. form non citizens. • Comparing the individuals country of origin to current "high risk" jurisdictions. • For people with permission to work in U.S., assuring that the W8-BEN reflects an SSN. • Inquiring about the destinations and sources of financial transactions involving foreign countries. • Inquiring as whether he/she is a 'Foreign Public Figure' or 'Related Individual'. • The following individuals must approve the account opening: ❑ Branch Manager Additional requirements for foreign public figures (FPF), or related individual, or legal entities in which public figures or related individuals have a substantial ownership interest the following procedures shall be followed: • The sources of wealth must be determined and recorded. Refer to Guide for Instructions. An inquiry must be made as to the reputation of the FPF or related individual. Rem contact BSA Compliance to perform a World Check search. • The following individuals must approve the account opening: ❑ Director of Sales and Distribution ❑ FirstBank BSA Compliance Unit • The sources of wealth must be determined and recorded. (Refer to GyidaTorinst ans I have reviewed the customer profile of this prospect and determined at this is not a high risk individual a4:1 the account opening request was: Approved El Denied (Reason): O Approved subject to: maid.. at. Business Manager Name/Officer in Ghee 0 N CONFIDENTIAL Date FirstBankPR000878 EFTA_00124358 EFTA01269525 I First Bank Wpm Islands Client Due Diligence Business Accounts • t ;f0 s-,-/z 1. Business Information Account Title ("Depositor'): FSF, LLC Account Number: S.S./TIN/EIN: Physical Address: Mailing Address: 6100 Red Hook Quarter Suite B3 Sarno St. Thomas, US Virgin Islands 00802 Business Telephone il Business Fax t IntemetWebsite Address: N/A Line of Business: Holding Company NAICS Code 550- COO Date Established: 10/21/2008 Annual Salos: se- 41 lea) - Ntir. of Offices/Branches: 1 Nbr. of Employees: 0 Property Status: O Own 0 Lease Referred By: O Advertisement 0 Current Client • Other: Contact Person Name 8 Title: Jeanne Brennan Contact Person Teleran. II 2. Account Type • Sole Proprietorship O Partnership O Corporation O Non-Profs O LLP 0 LLC O Other NI Commercial Checkivg Commercial DBA Checking o Checking O commercial Checking IOLTA O Arranged 00 O Arranged 00 Offshore (BV1) O Arranged OD OBA ['Government Statement SV O • • III Convnercial Statement SV Commercial DBA Stalement SV Commercial Maxmizer SV Commercial DBA Maximizer SV O Commercial Passbook SavIngs O Goverment Passbook Savings O Certificate of Deposit O Other --.- 7.-- .v-r; 3. Authorizer . . - • • • . .eachauth•rize•si•n-r.) Authorized Signer Name: Jeffrey Epstein Financial Member Profession: Consultant Corporate Tulle: Physical (Home) Address: Personal Mailing Address: Little Saint James Island 6100 Red Hook Quarter B3 St. Thomas, US Virgin Islands St. Thomas US Virgin Islands Social Security Number. I Date Of Bah:1/20/1953 I Place Of Birth:New YOdc I Citizen Of-.USA Hem T I N liter. Rusin I n N mbar -Type Business Fax Number: MOWetrkmber. . Email Address 4 Years n pat Photo Identification 3 Number: VI Drivers License Identification euiratica Date: 01/20/09 ,-- (2/0FAC i OPLC ISCHEXSYSTEMS called O Yes 0No, explain why: I SSN Response: Year. iqpi State: Y i ID Response: K CASS-2A-,O _./...neti • BANK REFERENCE requested O Yes O No, explainivAir Response: 0 Check here if mere are additional signers on reverse side of the Cent Information Sheet (KYC) Business Accounts. 4. Account Agreement Acceptance and Taxpayer Status Certification The Depositor hereby certifies that the FirstBank has been designated as a depository of the depositor and that it has reviewed the information oontaned in this Client Information Sheet (KYC) and finds it accurate on this date. The Depositor has received and agrees to the Terms and Agreements for Commercial Accounts and Rates and Fees Schedule currently in effect and as may be amended for the type ol account and services It has selected. I Under penalties of perjury, the Depositor centres that (1) The number shown on this form is the correct lax identification number and (2) that the Depositor ! is not subject to backup withholding either because: (a) it has not been notified by the internal Revenue Service (IRS) that it is subject to withholding as a result of failure to report all interest or dividends, or (b) that the IRS has notified the Depositor that it is no longer subject to backup withholding or it is exempt from backup withnoldng. (3) the Depositor is a U.S. entity. (Cross out subpart 2(a) if it Is not true. If Statement 3 is not true, cross out and complete an appropriate Form W-8) The Internal Revenue Service does not require your consent to any provision of this document other than the Certification required to avoid backup withholding. .. Date Authorized Signature Title: (Secretary/If reasuredCashied 10/23/2008 5. Initial Deposit Type: O Mgr CM/ __ / e 2-Y ol O Other' Amount 'Mai Member • If the initial deposit is over $500,000 • Cash Money Order/ Egi Check Travelers Chk to Transfer please document source of funds or source of wealth. (Refer to Guide for instructicns) D. Expected Transactions (Monthly) ria •.a.• Inosnel tn elasWit rAeinite month earn ma re Il ' CONFIDENTIAL FirstBankPR000879 EFTA_00124359 EFTA01269526 Financial Institution: First Bank Bank Financial II-81100n: 8. Additional Authorized Signers (Complete the following information for each authorized signer.) Authorized Signer Name: Profession: Corporate Title: Physical (Home) Address: Personal Mailing Address: Social Security Number: Date Of Birth: Place Of Birth: Citizen Of: Home Telephone Number Business Telephone Number. Business Fax Number. Motile Number. Email Address: Yews ii Occtoadon: Photo Identification Type & Number. 20 Identification iration Date: • OPLC OFAC CHEXSYSTEMS called M Yes O No, explain why: SSN Response: Year: State: ID Response: BANK REFERENCE requested Yes No, explain why: Response: Authorized Signer Name: ProJessica rate Title: Physical (Home) Address: Personal Mailing Address: / / Social Security Number. I Date Of Birth: Place Of Binh: Citizen Of: Home Telephone Number. Business Telephone Number. Business Fax Number. fr,tfle Number Email Address: Years n Candice: Photo Identification Type & 25 Number. Identification Expiration Date: 0 M OFAC PLC CHEXSYSTEMS called • Yes O No, explain why: SSN Response: Year: State: ID Response: O BANK REFERENCE requested O Yes O NO, explain y: Response: Authorized Signer Name: Profession: Corporate Title: Physical (Home) Address: Personal Mailing Address: / i Social Security Number. Date Of Birth: / / Place Of Birth: Citizen Of Home Telephone Number Business Telephone Numbey Business Fax Number. Mobile Number. Email Address: Yews ri Occupation: Photo Identification Type & Number Identification Expiration Date: O OFAC OPLC / CHEXSYSTEMS called 0,Yes M No, explain why: SSN Response: Year/ State: ID Response: • BANK REFERENCE requested • Yes • No, explain why. Response: / Authorized Signer Name: Profession: Corporate Title: Physical (Home) Address: Personal Mailing Address: Social Security tarn . Date Of Birth: Place Of Birth: Citizen Of: Home Telephone umber: Business Telephone Number Business Fax Number. Mobile Number Email Address: Years in Photo Identification Type & Number. Identification Expiration Date: 0 OF LJ CHEXSYSTEMS called • Yes O No. explain why: SSN Response: Year: State: ID Response: 9 Lc • BANK REFERENCE reqCON SONY GM 00013717 : _ _ __.•_•__•._.• Response: r rumTIAL _. rirstbanKFKUUUMU EFTA_00 I 24360 EFTA01269527 Validate Business Entity Results Page I of I CONFIDENTIAL Validate Business Entity_Results for FSF, LLC RESULTS SUMMARY OFAC CHECK: PASSED ID CHECK: OVERRIDE EN: FAILED Input EIN: NAME MATCH: PASSED Input Name: FSF, LLC ADDRESS MATCH: FAILED Input Address: 6100 Red Hook Ste B3 St. Thomas VI 00802 Dif. Info: E 707 224TH ST BRONX NY 10466 Dif. Info: RIDGELAND MS 39110 Dlr. Info: E 418 MAIN ST CHARLESTON AR 72933 Alternative Verifications -- ------ ---- PHONE MATCH: PLEASE VERIFY Input Phone: Dif. Info: DI?. Info: Dif. Info: Additional Actions taken: * Note - Please confirm the EIN. j Override Comments: On 10/31/08 at 02:29:07 Janice Stridiron Added: Cleared - Other (type in reason) Letter from the IRS verifying their Tax Id * on file. ,Cleared - Obvious Address Mismatch Business had previous address prior; before using their current address. Account Status: OPENED print This Pegg - Close https://production.penleyinc.ctp kyrkiri tit NiltAct=print&oisi3ofmati363 8 FirstBankPRO00881 EFTA 00121361 EFTA01269528 ID Verification Results Page I of I CONFIDENTIAL ID Verification Results for Jeffrey Epstein RESULTS SUMMARY OFAC CHECK: PASSED ID CHECK: OVERRIDE SSN: PASSED Issued between 01/01/1967 and 12/31/1969 in New York. Input SSN: NAME MATCH: PASSED Input Name: Jeffrey Epstein -- - --- --- - - [ ADDRESS MATCH: FAILED Input Address: Little Saint James Island St. Thomas VI 00802 Dif. Info: 457 MADISON AVE NEW YORK NY 10022 Dif. Info: 358 EL BRILLO WAY PALM BEACH FL 33480 Dif. Info: AMERICAN YATCH HBR MARINA DEL REY CA 90292 DATE OF BIRTH MATCH: PASSED Input Date of Birth: 01/20/1953 r Alternative Verifications HOME PHONE MATCH: No Data Available Input Home Phone: LICENSE MATCH: PLEASE VERIFY Input License Number: • Dif. Info: Dif. Info: I i DECEASED: NO ----- Account Status: OPENED Override Comments: On 10/31/08 at 02:24:23 Janice Stridiron Added: Cleared - Obvious Address Mismatch Client verified previous address, prior moving to the VI. print This Pegs - Ono haps://production.penleyinc.cottyNtrnaLtrerAtnoda-pritst&NY_ari .01008 FirstBankPRO00882 EFTA 00124362 EFTA01269529 QualiFile (NAC) Page 1 of 1 CONFIDENTIAL [QuaIIHMS Response Consumer Information (As Captured) Jeffrey Epstein SSN: Little Saint James Island DOB: 01201953 St Thomas VI 00802 DLS: DL STATE: VI Phone: 3407143802 Country of Citizenship: US Account Actions Action: REVIEW Recommended Actions: Product Offer Product Limits A.P.R. Identification Information SSN Validation: BECAME AVAILABLE FOR ISSUANCE IN 1967 IN NY SSN:Y DL Validation: VALID DRIVERS LICENSE FORMAT Cho cSystems History Previous Inquiries: No Previous Inquiries Found. Closures: No closure history found for this consumer. Retail: NOTE * THERE IS NO RETAIL INDICATOR Reference Detail Debit Bureau Refit: Transaction Tracking ID: 1225480761721:33383:PHXID068_PI: Cheaystems pi ....red iw rf umis O. Closed ra- /9 All services are provided by ChexSystems, Inc., a wholly-owned subsidiary of etun print This. Page - Close https://production.penleyinc.cottnrcity•• s • •Atio?oid=4115follY,Gki_ O4108 FirstBankPR000883 EFTA 00124363 EFTA01269530 COMMERCIAL CHECKING rcer-ri . Sign. Req. I Date: 1 COM 10/31/20( 6100 RED HOOK OTRS SA 83 HOME ST.THOMAS, VI 00802-0000 CTRY- VI WORK: Name: FSF.LLC SSN: 66.0719849 ID Type: No. Name: CI Name: C49 Name: SSN ID Type. No. SSN: ID Type: No. SSN: ID Type: OtNo homey acanowicage inning received the Depout Account Agreement. Om Fret BanCosp Informaton Shanng and Privacy Bator. and the orceuct ;Nes and lees. Prepared by: J ICE STRIDIRON Authorized by: W.ICIE IMOD API all Account type: FSF, LLC ACME! number Sign. Req. Date: ,j.54...)-ic 3d :1 Hoire: Address: 6100 Red Hook Quarter B3 St. Thomas Wot 3407752525 Name: JEFFREY EPSTEIN SSN: ;ID Type: LAL, j No Na .."/- ‘BSN: ID Type: No: Name: CI,S?§9 SSN: ID Type: No: Name: 1 31 iel SSN: ID Type: No: Prepared by: H-SZINBO Authorized bylladDas. . CONFIDENTIAL S0NY_GM_00013721 CONFIDENTIAL FirstBankPR000884 EFTA_00124364 EFTA01269531 LAW OFFICES OF HODGE & FRANCOIS MARIA TANKENSON HODGE, P.C. DENISE FRANCOIS. P.C. July 23, 2009 Ms. Hedy Szabo Assistant Vice President Select Banking Manager I First Bank Virgin Islands Yacht Haven Grande St. Thomas VI Re: FSF, LLC Dear Ms. Szabo: This office represents FSF, LLC. I write to clarify, for your records, the lack of a certificate of existence for this recently formed Virgin Islands limited liability company. After my firm was verbally advised of the availability of the name FSF, LLC and the articles of organization were filed, date stamped copies were used to open a bank account pending receipt of the certificate of existence which is always issued later but never within a uniform amount of time. In the case at hand, months after the articles were filed and the account was opened my office subsequently received notification that the Division of Corporations was contending that the name of FSF, LLC was the same as, or too similar as to cause confusion, with the name of another registrar. My office has been trying to obtain a basis for this after the fact objection to the name but none has been rot-du:urn:rig and as a result, we are continuing to communicate with the Division of Corporations to reach a resolution of this matter. Most importantly, this after the fact objection is inconsistent with both what my office had been told verbally when the Articles were first filed and with the acceptance of the Articles for filing. With respect to the matter of an operating agreement for FSF, LI.C. the V.I. Code does not require an operating agreement [see 13VIC 1104(a)]. written or otherwise, and due to the uncertainty as to the status of the name, my office did not prepare a written operating agreement. In the meantime. V. I. law does provide that "[u]nless a delayed date is specified. the existence of a limited liability company begins when the articles of organization arc filed." 13 VIC 1202(c). 1340 TAARNEBERG ST. THOMAS. VI 00802 TELEPHONE: • TELEFAX: TELEFAX NO (VIA HAND DELIVERY' MARK GATLIN VOGEL rinsed ‘47 i9 CONFIDENTIAL SD NY_GM_000 13722 CONFIDENTIAL FirstBankPR000885 EFTA_00124365 EFTA01269532 Letter to Ms. Hedy Szabo FIRSTBANK July.23, 2009 The lack of a certificate of existence has been a source of frustration for FSF, LLC and my client and I regret any inconvenience that this may have caused you or FirstBank. Please advise FirstBank management that the lack of a certificate of existence was due to factors beyond our control. Sincerely, CAA., enise Francois c: FSF, LLC OLAA,c,000 2 Closed 1013jty ckh CONFIDENTIAL SONY_GM_000 13723 CONFIDENTIAL FirstBankPR000886 EFTA_00124366 EFTA01269533 Notes to File: Date: N tes: to Date: Notes: 0.0."‘r, (-To n (1/4 iss2A.t net cl).ti.:k.QCS lc ALL Cki ....1A_CnC_L 9hOSLcr% Date: batACY-t Notes: Date: Notes: ('JIM2,0 oct Date: Date: Notes: ces--02-- ezzA,t Seu-v-td 4ta.4 fora Cm Notes: Date: Notes: Date: Notes: 8 /9 CONFIDENTIAL SONY_GM_000 13724 CONFIDENTIAL FirstBankPR000887 EFTA_00124367 EFTA01269534 I First Bank Virgin is/ands We the undersigned Members, Managers, or Officers of FSF, LW ('Company') located at American Yacht Harbor St. Thomas HEREBY CERTIFY that Company, a Limited Liability Company formed pursuant to is composed of the following Members: Jeffrey Epstein, Member and the following Manager or Officer(s): Jeffrey Epstein, Member Manager ondkate Woe or Malona wame(s) or Mast of Moon Limited Liability Company Letter and Security Agreement 22.20.38 V.S. Virgh Islands Law, (am itristbr) To induce you in your discretion to act and rely hereon and on the signature of any of the designated present or future Managers, Members, Officers, employees or agents ol Company ("Authorized Person(s)'), we agree and certify on behalf of Company as follows: 1. FirstBank (Tank') is hereby designated as depository of Company, and any Authorized Person is authorized to deposit or designate for deposit any funds of Company in Bank at any of its branches. Bank may at any time refuse to accept and/or may return by ordinary mail or otherwise the whole or any pan of a deposit. ci 9 2. The following duly appointed Authorized Person(s) Member lie signing singly (For purposes ol signing Items. ndicaie eg , angry, any two. Mc) and their successors are hereby authorized to sign, by hand or by facsimile (including, but not limited to, computer generated) signature(s), checks, drafts, acceptances and other Instruments (hereinafter each collectively referred to as "Item(s)'). Notwithstanding the above, any Authorized Person is authorized singly to: (1) initiate Automated Clearing House ("ACH") debits without a signature; (2) initiate payments by use of Depository Transfer Checks ('DTC') without a signature other than the name of Company printed on the DTC; or (3) Oye Instructions, by means other than the signing of an item, with respect to any account transaction, including, but not limited to the payment, transfer or withdrawal of funds by wire, computer or other electronic means or otherwise, or of money, credits, items or property at any time held by Bank for account of Company ("Instructions'). 3. Bank is hereby authorized to honor and pay Items, whether signed by hand or by facsimile (including, but not limited to, computer generated) signature(s). In the case of facsimile signatures, Bank is authorized to pay any Item it the signature, regardless of how or by whom affixed, and whether or not the form of signature used on such Item was actually prepared by or for Company, resembles the specimens filed with Bank by Company. Bari( is further authorized to honor and pay DTCs, ACHs, Instructions, and other orders given singty by any Authorized Person, including such as may bring about a increase an overdraft and such as may be payable to or for the benefit of any Authorized Person or other Manager or Member or employee individually, without inquiry as to the circumstances of the issuance or the disposition of the proceeds thereof and without limit as to amount. 4. Bank is hereby authorized to accept for deposit. for credit, or for collection, or otherwise, Items endorsed by any person or by stamp or other impression in the name or account number of Company without inquiry as to the circumstances of the endorsement or any lack of endorsement or the disposition of the proceeds. 5. The following Authorized Persons Member, of Company, signing singly(Indicate by name Mose autionzed to stied Loam Maces. etc) (radicate hyr notes, etc are to be signet e.g. singly, any two, e't) are hereby authorized to effect loans and advances and obtain credit at any time for Company from Bank (and guarantee on behalf of Company the obligations of others to Bank), secured or unsecured, and for such loans and advances and credit and guarantees to make, execute and deliver promissory notes and ether written obligations or evidence of indebtedness of Company, applications for letters of credit, instruments of guarantee an' indemnity and any agreements or undertakings, general or specific, with respect to any of the foregoing, and as security for the payment of loans, advances, indebtedness, guarantees and liabilities of, or credit given to, Company or others to pledge, hypothecate, mortgage, assign, transfer, grant Dens and security interests in, give rights with respect to. endorse and deliver properly of any description, real or personal. and any interest therein and evidence of any thereof at any time hek:1 by company, and to execute mortgages, deeds of trust, security agreements, i , e f ?homey and othiniffegMeRMPTalauments which may be necessary or desirabkaCCINEMEAr era‘ts ,. Bank, commercial paper, receivable, CONFIDENTIAL FirstBankPR000888 EFTA_00124368 EFTA01269535 called 'Obligations") upon any and all moneys, securities and any and all other property atompany and the proceeds thereof, now or hereafter actually or constructively held or received by or in transit in any manner to or from Bank. its correspondents or agents from or for Company, whether for safekeeping, custody, pledge, transmission, collection or otherwise coming into the possession of Bank in any way. 8. In case of conflicting claims or cisputes, or doubt on Bank's part as to the validity, extent, modification, revocation or exercise of any of the authorities herein contained, Bank may, but need not recognize nor give any effect to any notice from any Manager or Member of Company, or from any other person purporting to cancel, restrict or change any of said authorities, or the exercise thereof, unless Bank is required to do so by the judgment, decree or order of a court having jurisdiction of the subject matter and of the parties to such conflicting claims or disputes. 9. Company agrees to be bound by the Terms and Conditions lor Business Accounts and Services, currently in effect and as amended hereafter, as well as any signature card, deposit ticket, checkbook, passbook. statement of account, receipt, instrument, document or other agreements, such as, but not limited to, funds transfer agreements, delivered or made available to Company from Bank and by all notices posted at the office of Bank at which the account of Company is maintained, in each case with the same effect as if each and every term thereof wore set forth in full herein and made a part hereof. 10. Subject to paragraph 10 above, all the foregoing authorities shall remain in full force and effect until revoked or limited by written notice to Bank provided that such notice shall not be effective with respect to any revocation or modification of said authorities until Bank shall have had a reasonable opportunity to act thereon and in no event prior to the receipt or the payment of money or the withdrawal of funds dated on or prior to the date of such notice, but presented to Bank after receipt of such notice and Bank is hereby authorized at an times to rely upon the last notice, certification or communication received by it as to the persons who from time to time may be signatories of Company, or as to their respective specimen signatures and/or as to any other Company matters, and Bank shall be held harmless in such reliance. 11. Tne Managers, Members, and Officers of Company, or any one or more of them are hereby authorized to act for Company in all other matters and transactions relating to any of its business with Bank including, but not limited to, the execution and delivery of any agreements or contracts necessary to effect the foregoing Resolutions. 12. Company hereby represents and warrants that none of the authorities herein contained are contrary to or inconsistent with any other agreements among Members of Company, or between Company and other parties. 13. Bank is hereby released from any liability and shall be indemnified against any loss, liability or expense arisng from honoring this Agreement. 14. The signature(s) below is/are the signature(s) of the Manager(s), if Company is manager-managed, the signature(s) of the Member(s) if Company is member-managed, or the signature(s) of the Officer(s) if Company is governed by a board of directors. NOTE: In case the Manager. Member, or Officer is authorized to sign by the above provisions, this Agreement should be signed by a second Manager, Member, of Officer. Mariam Member. arOMrW The) Very truly yours, FSF, LLC tensor Company 6100 Red Hook Quarter B3 St. Thomas USV1 00802 Address ClopsOd cgs) CONFIDENTIAL SDNY_GM_000 13726 CONFIDENTIAL FirstBankPR000889 EFTA 00124369 EFTA01269536 AFFIDAVIT RE NOT DOING BUSINESS Jeffrey Epstein being of lawful age and after having been duly sworn, state that: 1. I am, and have been from the date of the filing of the Articles of Organization, a copy of which is attached hereto, the Sole Member of FSF, L.L.C. ("the Company"). 2. I hereby confirm that the Company never did any business of any kind from the date of the filing of the Articles of Organization through the date of this statement and we further state that the Company has no intention of doing any business in the foreseeable future. 3. I hereby further confirm that the Company did not do business and does not intend to do business because it is a holding company, which was not and is not intended to be used for any type of business. 4. I hereby further confirm that the Company will not do any business of any kind prior to applying for and obtaining a United States Virgin Islands Business License, a copy of which will be delivered to the Bank. 5. The Company requires a bank account for the purpose of corporate expenses. 6. I have personal knowledge of the fads herein s IN WITNESS WHEREOF the parties have signed and sealed this agreement this 71/44' day of Oc\o‘.e.,-- 2008 SUBSCRIBED AND SWORN to me this Vi46-day of 0e-Aitider 2008 NOTARY PLILIC•SL;TE Or YLOR1DA 40Nayanira Alanis Commission 4 DD375561 Expires: NOV 29, 2008 Bonded Thru ;thuaic Bonding Co.. lac. \c\O-v\eugja, Notary Public CONFIDENTIAL Clos d Iola le CONFIDENTIAL FirstBankPR000890 EFTA 00124370 EFTA01269537 ARTICLES OF ORGANIZATION OF FSF, LLC I, the undersigned natural person of the age of eighteen years or more, acting as organizer of a limited liability company under the Uniform Limited Liability Company Act, Chapter 15, Title 13, Virgin islands Code ("Uniform Limited Liability Company Act"), do hereby adopt the following Articles of Organization for such limited liability company: ARTICLE ONE NAME, ADDRESS AND PRINCIPAL OFFICE C)O Name and Address 1. The Name and Address of the limited liability company shall be FSF, LLC (die; "Company"), of 6100 Red Hook Quarter, Suite B-3, American Yacht Harbor, St homes, ;12-1 Virgin Islands 00802. The mailing address of the Company shall be is 6100 RO Honk Quarter, Suite B-3, American Yacht Harbor, St. Thomas, Virgin Islands 00802. iro" Principal Office 2. The principal office and permanent address for the transaction of business of the Company shall be the address stated in paragraph 1 of these Articles as the physical address of the Company. Registered Agent and Office 3 The mailing address of the Company's initial registered agent is 1340 Taarneberg, St Thomas, VI 00802. 4. The physical address of the Company's registered agent is 1340 Taarneberg, St. Thomas, VI 00802. 5. The name of the initial registered agent at such address is Maria Tankenson Hodge. 6. The business address of the registered agent and the address of the registered office are identical. CONFIDENTIAL CONFIDENTIAL FirstBankPR000891 EFTA 90124371 EFTA01269538 ARTICLE TWO PURPOSE The purpose for which the Company is organized is to engage in the any and all lawful business for which a limited liability company may be organized under the Uniform Limited Liability Company Act and the other laws of the US Virgin Islands. ras The foregoing paragraph shall be construed as enumerating both objects and purpgSes of,. this company, and it is hereby expressly provided that the foregoing numerationey purposes shall not be held to limit or restrict in any manner the purposes of this Compan3rrs, b wise permitted by law. ARTICLE THREE DURATION AND CONTINUITY The period of duration of this company shall be perpetual. No member or manager shall have the power to dissolve the Company by his or her independent act of any kind, without the unanimous consent of all members. ARTICLE FOUR ORGANIZER The name and address of the organizer of this Company is: Maria Tankenson Hodge 1340 Taameberg St. Thomas, Virgin Islands 00802 ARTICLE FIVE MANAGEMENT The Company shall be member-managed. ARTICLE SIX CAPITAL The Company shall begin business with capital in the amount of One Thousand Dollars (81,000.00). 2 CONFIDENTIAL SONCGM_00013729 - CONFIDENTIAL FirstBankPR000892 EFTA 00124372 EFTA01269539 ARTICLE SEVEN LIMITATION OF LIABILITY No organizer of the Company shall be liable to the Company or its member for monetary damages for an act or an omission in such organizer's capacity as an organizer, except for liability of an organizer for (i) a willful breach of a organizer's duty of loyalty to the Company or its members, (ii) an act or omission not in good faith that constitutes a breach of duty of an organizer to the Company or an act or omission that involves intentional misconduct or a knowing violation of the law, (iii) a transaction from which an organizer received an improper benefit, whether or not the benefit resulted from an action taken within the scope of dies organizer's position, or (iv) an act or omission from which the liability of an organizer is re, expressly provided for by an applicable statue. n cn (In r,• "...0 • If the Uniform Liability Company Act or other applicable law is amended to authonze pa action farther eliminating or limiting the liability of organizers, than the liability of any organizer of the Company shall be eliminated or limited to the fullest extent permitted by the Uni forfp;. :11 Limited Liability Company Act or other applicable law, as so amended. , If; co Any repeal or modification of the foregoing paragraph by the members shall- not adversely affect any right or protection of any organizer existing at the time of such repeal or modification. ARTICLE EIGHT MEMBER LIABILITY No member of the Company shall be liable for the debts and obligations of the Company under Section 1303, Subsection (c) of the Uniform Limited Liability Company Act. ARTICLE NINE SEVERABILITY If any phrase, clause, sentence, paragraph, or provision of these Articles of organization is held to be void or illegal, then it shall not impair or affect the balance of these Articles, and the undersigned Organizer of the Company does hereby declare that she would have signed and executed the balance of these Articles without such void or illegal provisions. IN WITNESS WHEREOF, the undersigned persons have hereunto set their hands as Organizers of the Company this the 2O day of artre-i-; 2008. -Lcir see i 1(19 3 CONFIDENTIAL -CONFIDENTIAL SC+nr"tal 37° FirstBankPR000893 EFTA 00124373 EFTA01269540 IN THE TERRITORY OF THE UNITED STATES VIRGIN ISLANDS ) DISTRICT OF ST. THOMAS & ST. JOHN BEFORE ME, the undersigned authority on this 24 day of g , 2008 personally appeared Maria Tankenson Hodge who, being by me first duty sworn, declared that she is the person who signed the foregoing document as the Organizer of the Company and that the statements contained in these Articles of Organization are true. i1/41 ..t Notary Public in and for th Territory irk, of the United States Virgin Islands ki id el My Commission expires: ois .. ::••• Yee MarkDialdRedge My Coramissicre Ezpbs: l" April 74 2012 1.24P-00841 CIOSedsir) • 4 CONFIDENTIAL SONY -GM_008131 -31- CONFIDENTIAL FirstBankPR000894 EFTA ({)124374 EFTA01269541 CONSENT of AGENT for SERVICE of PROCESS ****** This writing witnesseth that the undersigned MARIA TANKENSON HODGE having been designated by the limited liability company known as FSF, as agent of the said company upon whom service of process may be made in all suits arising against the said company in the Courts of the Virgin Islands, does hereby consent to act as such agent, and that service of process may be made upon me in accordance with Title 13 of the Virgin Islands Code. IN WITNESS WHEREOF, I have hereunto set my signature this 21' day of October, 2008. Maria Tankenson Hodg HODGE & FRANCOIS 1340 Taameberg St. Thomas, VI 00802 ,, Subscribed and sworn to before me this .4..t5. day of IJ , 2008 at Charlotte Amalie, St. Thomas, U.S. Virgin Islands. r to Mark Daniel Hodge My C0Ultinicti0n Emetic Aprit20,20/2 LNP-008-08 CONFIDENTIAL t.( g:t • it .1 el; . 1-• /3.1' • •C SONY-GM 00013732- CONFIDENTIAL FirstBankPR000895 EFTA 00124375 EFTA01269542 Corp No. 577775 GOVERNMENT OF THE VIRGIN ISLANDS OF THE UNITED STATES CHARLOTTE AMALIE, ST. THOMAS, VI 00802 CERTIFICATE OF EXISTENCE CI...ro ail t[Co Wbom Vick Vresents% *bail €omeeT I, GREGORY R. FRANCIS, Lieutenant Governor of the Virgin Islands do hereby certify that I am, by virtue of the laws of the Virgin Islands, the custodian