EFTA01268689.pdf

Bank
Document Checklist for
To,01,er we .re crie Business Accounts File
IMpOttant note. Please refer to the Account Opening PrOtedures lOr daft itreldtail on the various types of docket* required at Set.04/n1 opening.
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EFTA_00123485
EFTA01268689

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EFTA_00123487
EFTA01268691

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CONFIDENTIAL FultBankPR000008
EFTA_00123488
EFTA01268692

BUSINESS- - ;CO U NT SIGNATURE CAF °CHASE
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Title relnenlre SOWN.. Date
Jeffrey E. Epstein President
Jeffrey
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CONFIDENTIAL SD NY_GM_00012846
CONFIDENTIAL FnfflankPR000009
EFTA_00123489
EFTA01268693

CO CHASE
RESOLUTIONS OF
UNINCORPORATED ASSOCIATION
J. Epstein Virgin Islands
Foundation, Inc.
Legal 82 Rev. 6432
°Miami° ,
CONFIDENTIAL SDNY_GM_0001 2847
CONFIDENTIAL FirstBankPRO00010
EFTA 00123490
EFTA01268694

UNINCORPORATED ASSOCIATION ACCOUNT
We, gef free E. Eostein as President and Jeffrey A. Srhantz as
S ce e r c t r i e fy ta r th y a t o f th e . T. E T p r s u te s i t n ee s V irgin Taal snas o w f e s n a n id :A u A ja t ti i t i t o ie n w . d T u n ly e a a c d o u p n t i e n d c o :h rp e o f r o at ll e o d w a in ss g o c re ia so ti l o u n ti . o h n e s r s e o b d y
that such resolutions are now in full force said effect corporation
"RESOLVED, that each subsidiary of The Chase Manhattan Corporation that accepts deposits (each being
Corp. h an er d e i t n h a a f t t e th r e r e o f f e f r ic re e d rs t a o n i d n d a i g v e id n u ts a l o ly f t a h s i s t h a e n ' a B d a a n d k n ') a b b e e a a n n d d h h e e r r e e b b y y i a s r d e e , s a i n g d n a e t a e c d h a s o f a th d e e m po s h i e ta r r e y b y o f i s t . h i a s u s th a o t r a iz t e i d o s to c M"orp.
o W p e e n B a a c n c k o u ei n th ts A T o r a o t th it e s r w he is a e d t o o f c fi o c n e d o u r c t a b t u a s n in y e s o s f w it it s h b t r h a e n c B h a e n s k . a F n o d r t p o u d r e p p o o se si s t o an f y t h o e f s e th e re f s u o n lu d t s i o o n f s t , h s is u b P s a i l d e ia c r e y l h s o h a m ll Corp.
mean any corporation of which more than S0R of the shares having ordinary voting power are owned directly or
indirectly by The Chase Manhattan Corporation.
RESOLVED, that, until the further order of Trustees , any funds of this a c s o m r x p xo o to r n a t d i e o po n s ited in
the Bank be subject to withdrawal, transfer or charge at any time and from time to time upon checks. notes.
drafts, bills of exchange, acceptances. undertakings. authorizations, letters, or other inftInneritS, orders, items or
him-unions (whether written or otherwise) for the payment or transfer of money when made. signed. drawn.
accepted, endorsed or given on behalf of this association by any one of the following: (SEE NOTE BELOW)
1) President
2) Vice President
RESOLVED, that the Bank is hereby authorized to pay any such check. note, draft, bill of exchange.
acceptance, undertaking. authorization, letter, or other instrument, order or item or execute any such instructions
(whether written or otherwise) or effect any such withdrawal, transfer or charge and also to recent the same from
the payee or any other holder without Inquiry as to the circumsunees of issue, withdrawal, transfer or charge or
the disposition of the proceeds even if drawn to the individual order of or paid to any signing person. or payable
to the Bank or others for his account, or tendered in payment of his individual obligation. and whrher drawn
against an amount in the name of this association or in the name of any officer or agent of this association as
such, and, at the option of the Bank, even if the venom shall not be in credit to the full amount of such
instrument, withdrawal. transfer or charge.
RESOLVED, that each of the following: (SEE NOTE BELOW)
1) President
2) Vice President
cor ral on
is hereby authorized on behalf of this ct. and Co delegate its respective authority to transact.
any and all types of business with or through the Bank including but not limited to the authority to:
c OrpOrnti on
I. Borrow money and obtain credit for this arlethfO0R from Me Bank on any terms and to make and deliver
maths. drafts, acceptances, instruments of guaran.'y. Woman= and any other obligations of this association
therefor. including but not limited to applications for levers of credit. in form satisfactory co the Bank.
2. Grant security interests in and/or pledge or assign and deliver, as security for money borrowed or credit
obtained, stocks. bonds. iron:omen, bills receivable, accounts, mortgages. merchandise. bills-of-lading,
warehouse receipts and Other documents, insurance pnliCieS. =enfant and any other property now or hereafter
corp. held or belonging to this assitonnes. with hill authority to endorse. assign or guarantee any of the same in the
name of this association.
3. Discount any bills receivable or any paper held by this association with fall authority to endorse the same in
the name of this association.
M s t a r s a S s m e * p : e e r a S r • .. c P a o r n n t d i c I l a s e n m e y l i e . m b s e r e d : n a e l s P c r o a m m to id m b e i , n n t t e . h s T e = r t e i o t s i f a s n r o i r S p er e r . n ( . x a 4 s D f t o h r e a s . o u % s m s W a m n h e ) i r r o s ' f o P c E n a W m e . 4 w s h v o e m t o = o m s t a a w e l n e a b e e t c t l i a e o a s r r l o l i y f a f l = i c 1 e ,3 e r 4 t '. a e s t t = n a a r n c o t m he i y lt a c r l e o a d z a authcei . z e an d y ; c C r o a t. m aa . y a s tw fo o r .
-,•- -.. •
CONFIDENTIAL SDNY_GM_00012848
CONFIDENTIAL FirstBsnkPR000011
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EFTA01268695

4. Withdraw from the Bank ark-give receipt for, or authorize the Bank to dellir& to bearer, or to one or more
designated persons, any or all documents and seamless or other property held by it. whether held as collateral
security or for safekeeping or for any other purpose.
corP0ratio
5. Authorize and request the Bank to purchase or sell for account of this atm swa, bonds and ocher
securities.
corporation
6. Enter into contracts with the Bank on behalf of this acor the purchase andfor sale of foreign
exchange, either spot or forward, execute and deliver guaranties. indemnities. pledges, and other agreements
relating thereto, and give any and all instructions (whether written or otherwise) to charge accounts of this
association with the Bank in connection therewith.
7. Execute and deliver all security sad other agreements, financing statements and other papers required by the
Bank in connection with any of the foregoing matters.
8. Enter into other agreements with the Bank with respect to products or services, including but not limited to
fi nds transfer products and securities custody services, from time to time made available by the Bank to this
corp. arnettlena. to effect any and all transactions, transfers or other rends contemplated by such agreement and to
execute and deliver guaranties, indemnities. pledges and other agreements relating thereto, (including but not
limited to agreements regarding authentication of instructions (whether written or otherwise) delivered to the
Bank). all in such form as may be approved by any of the officers or other authorized persons• such approval to
be evidenced by the execution of any such agreement. guaranty. indemnity or pledge.
9. Give any and all instructions (whether written or otherwise) to charge or credit accounts of this noodiont Corp.
with the Bank in connection with any of the foregoing.
corporation
Nothing herein contained shall limit this neat, through its officers. employees or other authorized
representatives, from entering into agreements otherwise authorized or from assenting through such officers.
employees or other authorized representatives to the terms and conditions upon which the Bank otters its products
and services to its customers.
RESOLVED, that the Bank, as designated depositary of thisatatrot tinnia hereby is requested, authorized
and directed to honor all checks, notes. drafts. bills of exchange, acceptances. undertakings, authorizations,
letters, or other instruments, orders, items or written instructions for the payment or transfer of money when
made, signed, drawn, accepted, endorsed or given in this adziot* name on its accounts) (including but not Corp. s
limited to those drawn to the individual order of or paid to any person or persons whose name or names appear
thereon as signer or signers thereof or who deliver each written instrudtions) when bearing or purporting to bear
the facsimile sigrature(s) of any op& (1 ) of the following:
ocms)
;Amu DILE
Jeffrey E. Epstein AS President
Jeffrey A. Schantz Ace Vice President
AS
AS
As
As
AS
corpora
and the Bank shall be entitled to b000r and to charge this =omen tor aous uch checks. notes. drafts, bills of
exchange, acceptances. undertakings, authorizations, lett or other instruments, orders. items, or written
instructions regarding the cement or transfer of money, regardless of by whom or by what means the actual or
purported facsimile signature or sthnatures thereon may have been affixed thereto if such facsimile signature or
signatures resemble the facsimile specimens from time to time filed with the Bank by the Secretary or other
officer of this association.
poration
RESOLVED, that the Secretary or any other officer of this scteoli rthithst be and hereby is authorized te
the Bank the names of the present officers of this rathcisten and other persons authorized to 0prf o is Otu=doed4injhOID •
but not limited to persons to whom such officers or authorized persons have delegated their authority) and the
OITtees respectively held by them, if any, together with specimens of their signatures, and in case of any change of
00A WAYOr
CONFIDENTIAL S0NY_GM_0001 2849
CONFIDENTIAL FirstBankPR000012
EFTA_00123492
EFTA01268696

authorized persons or of any holder of any such office or holders of any such offices, the fact of such change and
the names of any new officers and the offices respectively held by than, if any, together with SPeCi-MenS of their
siguanuest and the Balk be and hereby it authorized to honor any checks, totes. drafts. bills of exchange.
acceptances, undervJcings authorizations, letters. or other instruments. orders, terns or instructions (written or
otherwise) or agreements or other documents signed by any new officer or officers in respect of whom it has
received any such certificate or certificates or by any such person with the same force and effecr as if said officer
or said officers or person were named in the foregoing resolutions.
RESOLVED. that the authority give hereunder shall be deemed retroactive and any and all acts hereunder
performed prior to the passage of these resolutions are hereby ratified and approved.
RESOLVED. that the Bank be promptly notified in writing by the Secretary or any other officer of this
zscorgatto of my change in these resolutions. such notice to be given to each office of the Batik in which any
coin. accotmt of this associates. may be maintained or from which any product or service affected by such change is
corp. provided to this ntizamjatc. and that until it has actually received such notice Ln writing and has had a reasonable
opportunity to act upon such notice it shall be indemnified and saved harmless from any loss suffered or liability
incurred by it in continuing to act in pursuance of these resolutions. even through these resolutions may have been
changed.
WE F1-RISER CERTIFY that there is no provision in the Charter or By-Laws of thrs = c a o m r p Ora l t i mi nag the
power of the Trustees to pan the foregoing resolutions, and that the same are in conformity with the
provisions of said Charter and By-Laws.
WE FURTHER CERTIFY that the present officers of this Wait Citanoffices respectively held by than
are as follows:
Jeffrey E. Epstein AS President
Jeffrey A. Schantz As Vice President / Secretary
Paul Hoffman As Assistant Secretary
AS
IN wrrxEss WHEREOF, we have hereunto set our hands as President and Secretary of this association this
day of
• sin
A. Schantz
.".._-
Other Officer Pa 1 Hoffman
Assistant Secretary
Title
'NOTE: In ease the Secretary or other recording officer is authorized to sign checks. notes. agreements. etc., or
otherwise delwer Musa tions regarding the payment or nosier of funds by the above resolution, this
certificate must also be signed by a second officer of thessmoSehrat cOrporat ion.
In use the facsimile signature of or instructions from the Secretary or ether certifying officer is
authorized by the above resolutions, this certificate must also he signed by a second officer of the
CPM_LIAL nalitioax corporation.
CONFIDENTIAL.S ONY_GM_0001 2850
CONFIDENTIAL
EFTA 00123493
EFTA01268697

rant.ru-nepti tat CO
"sisitirrtra FacrEpct:gn .my Y, Inc. Z1 DI1904? -- 1911 P. et4/008 Fie
WAIVER OF NOTICE OF FIRST MEETING OF
THE BOARD OF TRUSTEES OF
EPSTELN VIRGIN ISLANDS FOUNDATION, INC.
We, the undersigned, being all the Timms of L Epstein Virgin Islands
a a o F d n f m j d t o h m u d e r o t n C a m h t o i e o r e r p n n e o , t b a r h y a u t w t h e i e o . a , r n i h e v e b o e r e f e a . b h ll y e n l a d o g t o r i n e ce e t h e w e n h d d a a t c s t o e o n e a s v n e e d n r t a o t t h f t a s h t u e t c h t h i e m m f e i e r a s e t n t i m d n g e p e l a a t n i c d n e g o d o f e f s a i t n g h y n e a a B d te o j d o a u r h d r e n r o e m f u a T n r r d t u e o s r r t , e es
t d r e a e n m sa e c d t W e a d d e v a d t i s o s a u b f c u l h e r t b m h y e e r t e h a t g e in r T g ee r o u a r s n a te d t e a c s n o p y n r s a e e d s n e jo t n u t t h r th n at e m a re e n a n y t t . a a n A d O n a y r l t l i b O l u a W s w in i = l e d M s s b I c S u o s t n i h n t e r e a m s c s t & e M d a a a s y t m b su a e y c h b e
t m he e e s t a in m g e o f r o a rc t e a n an y d a d e j f o fe u c rn t m as e i n f t s o u r c a h d m jou e m i m n e o n r t s a d th jo e u re r o ne f s d h m al e l e b t e in a g s w va e l r i e d h a e n ld d a le f g te a r l n a o n t d i c o e f .
PLACE OF MEETING:
DATE OF MEETING: my 25, 2000
TIME OF MEETING: 3:00 p.m.
CONFIDENTIAL SDNY_GM_00012851
FustBankno00.14
CONFIDENTIAL
EFTA_00 123494
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CY/ Obi:LOCO Le: ws - I FILIO• IVAN 1.403. ea
Sintqing nisei Fres-1 bons 4orat.Y, minim
1-ill P.101/0“ F-047
MINUTES OF THE FIRST MEETING OF
THE BOARD OF TRUSTEES OF
J. EPSTELN VIRGIN ISLANDS FOUNDATION, INC.
The first meeting of The Board of Trustees of the above-named Virgin Islands
Non-Profit Corporation was held pursuant to waiver of notice at the office of the
Corporation. on July 25, 2000. The following Trustees were present
Pal Hoffman
Jeffrey Epstein
Jeffrey Schantz
being all of the Board of Trustees of the Corporation
By unanimous agreement, Jeffrey Epstein acted as chairman of the meeting and
Paul Hoffman acted as secretary of the meeting and kept the
1224111eS
A Waiver of Notice of the meeting was presented, and the Chairman directed that
the signed Waiver of Notice be attached to and made a part of the minutes of this
meeting.
The meeting proceeded TO the election of officers for the Corporation. After
discussion, upon nominations duly made and seconded, the persons named below were
unanimOuity elected to the offices set opposite their names, to serve for the ensuing year
and until their successors are elected and qualify:
President; Jeffrey Epstein
Vice President/Seaetssy: Jeffrey Sebsvev
Vice President/Asst. Secretary: Paul Hoffman
Treasurer: Jeffrey Epstein
Asst. Treasurer. Pant Hoffman
The meeting proceeded to the election of a Chairman of the Board. After
discussion, upon nominations duly made and seconded, Jeffrey Epstein was elected
Chairman of the Board to serve until such time as his successor is elected and qualifies.
CONFIDENTIAL SD NY_GM_00012852
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69i4Writ rAU“ nu- r PAW n. r 0-,
F:criti1-14741n;. -weeny. I AC. 21i Ifl 42 T-114 P.005/111 F-04?
NINTJTES OF FIRST MEETING OF THE MEMBER
OF
J. EPSTEIN VIRGIN !SUMS FOUNDATION, INC
The first meeting of the Member oftbe above-named CorporraionwesbeW on July23,2000
at 2:30 p.m. at 4142 Kongena Gade, St. Thomas, Virgin Islands.
Jeffrey Epstein, being the sole Member of the Corporation, and Paul Hoffman were present
at the meeting. Jeffrey Epstein chaired the meeting and Paul Hofer acted as Sectetery, end kept
the minutes.
The Chairmen them established that a quorum necessary to do business was present and he
then presented to the meeting the following:
1. Copy of the Articles of Incorporation
and receipt for paymem of Sling fees
2. Copy of Bylaver of the Corporation.
Corporate book.
Upon motion duly made and approved, it was
RESOLVED, that the items listed above have been examined by the Member
and are approved and adopted.
The Chairman noted that it was in order to consider electing a Board of Trustees for the
ensuing year. Upon motion duly made and approved, it was:
RESOLVED, that Paul Hoffman, Jeffrey Epstein and Jeffrey Schantz be the
elected members of the Board of Tnaslises, to serve =di their successors are
duly elected at the first regular annual meeting of the member and qualify.
CONFIDENTIAL SDNY_GM_00012853
Ask..
CONFIDENTIAL
EFTA_00 123496
EFTA01268700

ice.
p7 UO/LtlOtl t frXii:orm-ntapay, eAUL it.-rttAn re PIK*. bb
2122712742 T•114 P.OWNS 5-04T
Tigre being no Anther business to aunt before the
duly made And
approved, it was adjourned.
Essteux
Member
CONFIDENTIAL SDNY_GM_0001 2854
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ILI:Pe t. tor) Emit• topaly. lac. CO,
2123/9042
T-114 P. Dal/tat F-e4T
and other banking documents with respect to the account On motion duly made,
seconded and unanimously carried, resolutions to that effect in the form of the printed
resolutions submitted to the mating were unanimously adopted. The Chairman directed
that a copy of the resolutions in the form adopted be attached ro and made a part of the
tninume of this meeting.
The Chairman said that it would be appropriate to have the Corporation assume
the expenses of its own organization. On motion duly made arid seconded, the following
resolution was unanimously adopted:
a o l R o n f E c f y i u S c p m O e e r : r L s e s l V o o i n f n E , t D h c in o e , e n t C h h n o a r e l r t c i p t t n i h o o e e r n a i C n t w i c o o o i r n t p r h p a o i o r r t e a r s a t h o i t o e o rg r n r e s a h b , n w e y iz r a h e a u o b ti t y o h h a n o a s s r a s i p n z u e a d m d i d e e t n s o a t n a r p y l y a l i y s e n u x s t c o p u h c e b h n e u s x e s e p i x s n e p a e n e n s s n s e d s ; . e a c s n h a d a r n t g d h e e s to a p p r r p e o i r p m o e s b r m l u y i r a s m e
The Chairman said that it would be appropriate for the Board of Trustees to
determine the fiscal year of the Corporation. After consideration, on motion duly made
and seconded, the following resolution was unanimously adopted:
RESOLVED, that the fiscal year of the Consecration shall end each year on December 31.
There being no further business to come before the meeting, upon motion duly
made, seconded and unanimously carried, it was duly 9
Paulltaffinan, Asa Secretary
CONFIDENTIA SDNY_GM_00012265
CONFIDENTIAL FeratBankPRO000 18
EFTA_001 23498
EFTA01268702

O CHASE
r---
NEW ACCOUNT CHECKLIST FOR BUSINESS ACCOUNTS
O SOLE PROPRIETORSHIP Cl PARTNERSHIP
0 Trade Name Certificate O Trade Name Certificate
0 Business License (Current) O Partnership Agreement
0 LIN. (Optional) O Business License
CI EJ.NJ T.I.N.
0 CORPORATION
Iii(Anicles of Incorporation
Certificate of Incorporation
Corporate Resolution (w/ Corporate Seal if Required) 1 e.1. 145 -
Business License (Curran) i14/.)
O LIMITED LIABILITY COMPANY O LIMITED LIABILITY PARTNERSHIP
(LLC) (LLP)
O Articles of Organization O Partnership Certificate (General Partners)
or Certificate of Formation or Limited Partnership Certificate
O Filing Receipt from Gov't. O Filing Receipt from Gov't.
0 Resolution where LLC contains a O Limited Liability Partnership Letter &
Corporate Member (when appl.) Security-Agreement
O Agreement where LW contains CI Certification where Partnership contains
LLC as a Member (when appl.) a LLC as a Partner (when appl.)
CI Agreement where LLC contains O Business License
a Partnership as a Member (when appl.) q E.I.NaT.LN.
O Business License
O E.I.N/T.LN.
O ESTATE ACCOUNT O BANKRUPTCY ACCOUNT
El Letters of Administration (Original) O Bankruptcy Order including alt pages
0 Death Certificate (Original) with designation of Trustee(s)
O Social Security I Dee'd/1124. Estate and Pertinent Amendments
In addition to the above, please provide us with the following information:
It. Social Security Ois of Signers hotocopies of Valid IDs
lja Bank Reference / Account # ignature Card (s)
_Ctlf
O V Itie• it-4C s-estfies.„
OIVISICLSOF
CONFIDENTIAl,a„0001 S 9 DNY_GM_0001 2856
Finst
CONFIDENTIAL
EFTA_00123499
EFTA01268703

Command IM11 Page 01 of 02 04/20/07
09:27:46
Accou. Curt
Prod Type 205 C C/AL CHtCXLN4 ACCO MSOS:
Status 00-NORMAL System Type 012- SMALL BUSINESS
J EPSTEIN VIRGIN ISLANDS FOUNDATION INC Ext Inv Fund Link
T/A ENHANCED EDUCATION Cust Balance 66191.12
6100 RED HOOK QUARTERS APT B3 Mae° Balance 66191.12
ST THOMAS VI 00802-1346 DDA Balance 86191.12
Loan Balance 0.00
Say Balance 0.00
IVR 86191.12 Ia Av 0.00 Sav Avail 0.00
MMDA NO Dt Opened 09/07/00 Bank Unavall 0.00
Charge Card? NO Dt Let Cust Actv 04/19/07 Oust Unavall 0.00
Spec Inst? NO Dt Let Dap 04/19/02 Min DOA Bel 0.00
NSF? NO OD? NO Dt Lst paint 01/10/03 Avg Coll Sal 65198.62
Sal list? YES Sign D Loc Nbr MID Avg Bal 65085.85
Bel Hist Ret 15 TIN: Cd 1 Nbr 660585379 Last Dep Ant 25000.00
Con Kite Days 0 Number Amt )(fere 0 Chrg Off Amt 0.00
MID Kite Days 0 Number Ck Items 3 Total Holds
Stop Pay 0 OD Limit 9999999999999.99 Cyc Accrd 0.00:0::
Ext Inv 0.00 Proj Accrd 0.00
PF1-Pad PF4-Hist PFS-Redisp PF14-S/H Ing PF12-Help PP1O-IBT Dig
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COmmand ...a IMIl Page 01 of 02 06/08/37
Snnti InkTY,,.. MI VE ,n.t.• 5
Accoul
Prod Type 201 INDIVIDUAL ..nECKING ACCO MSGS:
Statue 00-NORMAL. System Type 020-PERSONAL
JEFFREY E RPSTEIN Ext Inv Pund Link
6100 RED NOOK OTR B3 Cust Balance 147117.26
ST THOMAS VI 00802-1348 Memo Balance 147117.26
DDA Balance 147117.26
Loan Balance 0.00
Say Balance 0.00
TVA 147117.26 Ln Av 0.00 Sav Avail 3.00
MMDA NO Dt Opened 11/09/00 Bank Unavail 0.00
Charge Card? NO Dt I-St Cust Actv 06/07/07 Cust :*`avail 0.00
Spec :nst? KO Dt Let Dep 06/07/07 min DDA Bal 0.00
NSF? NO OD? NO Dt Lst Maint 07/10/03 Avg Coll Bal 141593.56
Bal Hist? YES Sign 0 Loc Nbr MID Avg Bal 141706.29
Bal Mist Ret 15 TIN: Cd 2 Nbr 090443348 Last Dep Amt 6312.79
Con Rite Days 0 Number Amt Xfers 0 Chrg Off Amt 0.00
MID Kite Days 0 Number Ck Items 0 Total Holds 0.00
Stop Pay 0 OD Limit 0.00 Cyc Accrd 0.000000
Ext Inv 0.00 Proj Accrd 0.00
PP1-Pwd PP4-Hist PF5-Rediep P914-S/H Inc/ PP12-Help PF18-IBT Ing
SDNY_GM_0001 2858
CONFIDENTIALFN6tBenkP.
CONFIDENTIAL
EFTA ((1123501
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Command ...a RMAB 06/08/07
CUSTOMER-TO-ACCOUNT RC' 71:1* ' RSE 11:06:32
JEFFREY E EPSTEM1
Rel Cd P/8/0 Appl Account Number Balance
Prod Ct12 Ct13 Ct14 Alrt? Status Date Curr
PRI SOW 91372601 AVAIL 147117.26
N N D 201 0001 0002 0719 0000 N NORMAL 1ST TRAM OC/00/0000
A-S 0 IX 71710:8893 AVAIL 86015.12
N N R 205 0001 0002 0717 0000 N NORMAL LST IRAN 00/00/0000
A-S 0 IN 717/021877 AVAIL 98540.89
N N R 205 0001 0002 0717 0000 N NORMAL LST TRAN 00/00/0000
A-8 0 IM 7171025235 AVAIL 1778.68
N N R 205 0001 0002 0717 0000 N NORMAL LST TRAM 00/00/0000
A-S 0 DM 7191373963 AVAIL 8922.46
N N R 205 0001 0002 0719 0000 N NORMAL CST TRAM 00/00/0000
A-S 0 IM 7221101376 AVAIL 121255.32
N N R 205 0001 0002 0722 0000 N NORMAL 1ST IRAN 00/00/0003
_ A-S 0 IN 7221120159 AVAIL 7849.59
N N R 205 0001 0002 0722 0000 N NORMAL LSI TRAM 00/00/0000
PF1-FW.3 PF5-CustAcctEr P178-CustAddr PF11-CustSvc PF14-AcctNonLeg
PF2-8kud PF6-CustRel PF9-SeaSettly PF11-AcctLegTtl PF21-Top
MOCABS1 RM3004 I: LAST PAGE LAST
SDNY_GM_00012859
CONFIDENTIAL
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CONFIDENTIAL SD NY_GM_000121160
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CONFIDENTIAL _
EFTA _ 00123504
EFTA01268708

CERTIFICATION OF BENEFICIAL OWNER(S)
The information containedi n this Certification is sought pursuant to Section 1020.230 of Title 31o f
the United States Code of Federal Regulations (31 CFR 1020.230).
tl
Person opening an account on belted of a legal entity must provide the following Information:
1. First Name and tale of Natural Person Opening Account 2. Last Name 3. aliddlelnklal
JEFFREY EPSTEIN I E
♦ Nom rid type of Lead Entity for Which the Account le Being Opened
J. EPSTEIN VIRGIN ISLANDS FOUNDATION. INC.
4a. Legal Entity Meese 40. City 14c. State 4d. MP/Postal Code
8100 Red Hook Quarter B3 St. Thomas I USVI 00802
SECTION I
f Toaddaddtanatinorrvidua. see ono 3)
Please provide the following information for an indivIdual(s). II any, who. directly or indrecay, through any contract arrengenent,
understanding. reletoriship. or otherwise owns 20% or mere of the equity ireisrests of the legal enty listed above.
is
Check here if no Mehl/What meets, this definition and complete Section IL
15. First Name 16. Last Name 7. M.I. 8. Date of Birth
9. Address 10. City 11. State 12. DINPostai Code
14. 88N (US foorserefecnU.S. Perm* 15. Identifkaticia Number (Sat firrapormartertrotrerarner
13. Country ilateraton natter)
15a. State of Issuance: 15b. Country of Issuance: 16. Ownership %
s/ars ore tenon! number. Norett.S. Prices may WOO provide a Senor' Security Number MS Nerefflonion cone number. or number
re Monet of issuance of err/ offer gmenorentuseued document evaieneng notionaey or nekton*, and teemg a fM eowed, or smear
safeguard
SECTION II
Please provide the fel:wird infernation for an individual with sionincant resnonsibilitz for rnanagrg or deeding the entity. inducing, an
executor° officer or senior manager (e.g.. Chief Executive Officer, *id Financial Officer. Chief Operating Officer. Managing Member.
Genera' Partner, President Vice President. Treasurer); or My other individual who regularly performs slit functions.
17. First Herne 18. Lest Name 19. NJ. 20. Dale of Side
Jeffrey Epstein E
21. Address 22. CRY n. State 21. ZIP/Peetal Cede
6100 Red Hoek Quarter B3 a Thanes USVI 00802
27. Idendflartlee (SSN.PrasportM rt er or area nkr
25. Cooney HohOLS. demons,
LISA
27a. State of Issuroe: 27b. Country of Issuance:
USA USA
gas ln hey d e pass,xer number, NOM/.S. Pelt*. may the Prink,* &mussy swear. an non nenotr000n can number. 0, auntie
and covey or asaNcit deny other governmentinued edemas osebriesty or res 40.100 ono beane a photograph or ender
safeguard.
I, JEFFREY IN( ansurag, hereby certify. to the best of my knowledge. nue rbe
loforranion provided herein and correct If any of the above mentioned information changes I agree to provide the
financial Institution seine ed ation of sec hears.
+.6\ ty
Sigat ic age O4-)
(WIMP nr.)
N...NG-1618-04I Pap 2 of
CONFIDENTIAL SDNY_Ght_0001 2862
CONFIDENTIAL FirstBankPR000025
EFTA 00123505
EFTA01268709

larr,o,i,ao
.---
CONFIDENTIAL
EF1,00.1235C6
EFTA01268710

Additional Section 1- Second Beneficial Owner (If required)
Plea»p rovide the folortIng Informaton fa an individual(a). if any. ..to. directly or indirectly, through any contract arrangement
inderatanåp.rebtbnehl0. Or Otwinvise WTI 20%a more of tMpuny ~Of the MW aröty listed above.
S. Fuel Name 19. Last Name 17. MJ. & Date of Meth
S. Address 10. City 111. State 12. ZIPIPostal Code
I
13. Country ' 14. 58$ PS PersaWNtri-0.5. Pommel 11& I , d ,, e ,m n ~ tificat n io e n M .) oroi's MN. PwormIntraterordresintir
15a. Stabs of Issuance: 15b. Country of Issuance: I& Cemerateip %
tlfa In fee of • ~spy: ~Sec NoneJ .S ~Pas may Po pone. Sae SOCSly Menke en an IchrddoetfOn earn probes or number
and country ce issuance or any cat pvemmenehtued document silencing nation** or resides« end teeing a photograph a Saes
ireIneard.
Additional Section 1- Third Beneficial Ownerdfroraire0
Please ffrtOvkle the tOfetrify informationfor an irdnildual(s), If wry. %rho, (WC*/ oe Adifeetty, through any Oarend arrangemet.
undersuincr . relationship or othennse awn 20% or mare c• the aptly eterests d the legal entier ratad above.
& Mist Name S. Last Name 7. MA IL Date of Birth
9. Address 10. City 111. Mate 12. ZIP/Postal Cods
15, Identification Number pant Pepoot~ nee cr oew Polar
Pencersi AP-US Pfelensj
13- County 14. SSN (US cferteeconurnter)
15e. State of Issuance: 15b. Country of Issuance: It Ownership %
tg2/1. M No ore ossincer nun", NpW.S Pensont may atso povide a Soda/ Sean* Munbas an Pen identaPtion PP numbs: Ce nutober
aid country of issuance cd eirry other posentineeissined CIOCl/MMIt evideincorp neonalay or ~ma and among a phototypit m sender
saloparct
Additional Section 1- Fourth Beneficial Owner (If required)
Plane Verde MO following intonation for an individual(s). (any. v.to, tiredly or indreedy, through anycentred arranOtIoNtlf.
understamemo, relatIOnaN , or °tine** owns 20% a more Of tie eQuity interests of the legal entity listed above.
& Fint Pin S. lat Name 7. M.I. a. Date of Birth
9. Address 10. City 11. State 12. ZIP/Postal Cods
15. Identificadon Haw (UM Pasant Menemc har* MS
in Country 14. SSW tua franonelhen4Ja. Pliant) Meratestn mated
16a. Si el Issuance lab. Country of Issuance: IS. Ormond» %
IC in Nu da ~pm ranter, NohltS Malone may So "Pe a Spat &witty None«. en ren idertelastion on number, oe number
and camp cif issuer« ol any Other FAIIMITMIthifflad CIOCUMelle ~nap nationaky a ~imp and bearing • phoecpaph a *NW
7.040.14140411 Pagel N5
CONFIDENTIAL SD NY_GM_0001 2864
CONFIDENTIAL FirstBankPR000027
EFTA_00123507
EFTA01268711

Additional Section 1- Fifth Beneficial Owner (If required)
u P n o de s r e a s la p n r d ov i i g d . e r t id h e f l o o l n lo a w n i 4 n . g o i r r d M on e n n a g do e n * f o o w r a n n s i 2 n 0 c % ilv k o l r u m si( o e r L e t o e f e e s a w te h st o y . y d i h re it c e t r ly es o t r s n or c l t i h n e o I t 9 y o . M IM er M ea O y b an b Y d f a a b t o e v d e . arraniternOrit
First Min I. Last Name 7. Mi. & Date of Birth
9. Pakt en 10. City Hi. State 12. ziamostai Code
1
13. Country I it Ilk am prontiefrus Rogow 1& Identthation Number (SW Panpar Materworer show
15a. &Me of Issuance: 160. Country at Issuance: 1& Ownership %
ALM s a in e n M S d u c fb o o a u i n i a t t y S o in r s s i o r i a l n m c a e n o t f e s a H s a a s b a e & t y P or e o n m s m e m e a ti y s a a u ls s o t S pr c ov a i n de ty s S e o v d is s e , n S a O n O o L n O e Y r M bm em sa b y e r o . r . n re S si o d n en V t* o a lt n a d m t : o E w n i n c g o e • d m pM e e n O d g s ni O a n n O u r m U b m e b r er
Additional Section I -Sixth Beneficial Owner afro/abed)
Please provkle the Wowing information for an inckeicluai(aa Vary. who. directly or incise:try. through any contract arrangement.
mderstanding. relationship Of Oneness owns 20% or more ate equity Interests of the la9M entityy hied above.
5. First Name 6. Last Name 17. MI & Oats of Birth 1
9. Address L10. City 11. fits 12. ZIP/Postal Code
13. County it 1511N AS AWICIORtrt4J.S. PILMOIS) , 15. Ids ntification Number (SSK PeespertMenterwarit r enter
minasonton mate
15e. Stated Issuance: 15b. Country of Issuance: 1& Ownership %
5211: s e a o n l A d e g o t u c N a e r a a d p n e o n f p t O ea rf s e nu r m '. b eI e r a . n A y f o o ra d tt e .S . g P o o v m er o m na s m nia y s u al o s d o p do a c s um s e a nt S e o w ci o a m l S o c n o e t a t s y t i I o ti n o e N ti x r r e . r a n ra S r i i o ti n t n ic a h o • l • it • co • t • h • a • n • c 9 a r • d i n ta u t m c5 b •1 s 1 a 0• n a u s W e a s k e
Additional Section I -Seventh Beneficial Owner (If required)
Please provide the following information for an indivilusits), any, who, directly or tnirectly. through any contact arrangement
tinders* rel&tonship. Or Otherwise owns 20% or mete Of the eQaiy interests of the Iegalwaly fated above.
& Fist Name 6. Last Name 7. Ml 9. Data of Birth
9. Address 10. City 111. Stan 12. ZIP/Postal Code
13. Courtin, 14. SSN (US Pinata, Mott& Sams) 15. n Id e er o it n ifica d s o o n t s N , u mber (SW Passport Mateo,o rs see
15a. Stabs of Issuance: 15b. Country of Issuance; is. Ownership %
Neu Of a pareal nuMber. Prawn may else gravid, a Social Security Hunts an Son Edenaficaton card number. or Member
and waxy of swans of any ewer ponemmentarowl document sands nationtily or rostisce end tearing a phoesraph or ea
tentinand
NNNO-1618470111 Par Soft
CONFIDENTIAL SDNY 12665
CONFIDENTIAL FirstBankPR000028
EFTA_00123508
EFTA01268712

1 First Bark I Name and Address Maintenance Form (RM)
f.
Prepared by
Branch: Waterfront...Platinum Banking
J.Geor
Customer Name: .1.ED:drain Virgin Islands Foundation Inc Date
O TBA IE AN Records 2/28/20I9
O The Customer Relationsh: ip
Maintena • lowing Accounts O Credit Card Account Number
Account Account: Account.
Account: _ Account: Account i
Account: _ Account. Account
• Influcfforts: Please complete only the section where the rnainlanance is needed.
NAME a LEr..AL yrn.geweeemescE
Actual Name Jeffrey E. Epstein
New Name:
New Legal Title:
BENEACIARYOWNESIXECONCOOEMDPERCENTAlatellOWNERSHIPaill4PSCREEN
Authorized Signer who is n Beneficial Owner ❑= A-B
Authorized Signer who isa Beisefical Owner and has signikart renPonsibaity ACB
Individual who rs a Beneficial Owner D • BEF
Indeiduel who is a Beneficial Owner end hes significant responsibility O- DU _%
Authorized Signer wen significant responsibility for managing mo legal °MAY (Control Plena/ O• A.0
Individual who has ~ewe responsibility for managing the *gal entity (Control Preen) O CRL
ADDRESS/ TELEPHONEMASIENIANCE
Address,: Also Residential Address?
Dyes O No
Adenoma:
City: Sa: Zip Code:
Horne Phone: Work Phone: ExtentelOrt
All Phone Calmar
Alternate Phone: Type: . . _ Phone: O Do Not Call
Email Address: O Do Not Email
Citizen: Social Security: Birth DOE
Primary ID: . _ r Goodin
Secondary ID: _ ID Number. OffrErnployee:
Employer
Employee Since: Occupation:
Address:
City: State: ZipCode: _
Employer Phone: Annual Oron:
Employment Statue:
NAILS CODE Iii amyl
~IrSlgnayra CuslemerSISIMORIP
WNNS-0163411
CONFIDENTIAL SD NY_GM_0001 2866
CONFIDENTIAL
EF1'A_00123509
EFTA01268713

Account Type: I
Aern"'" mt•-•-k— Sign. Req. I Date.
1,0nfraruLti Clinks.? 5 il Com I i
Address. Tel
6 06 4 6445A &Lola
ma
i, ow)6 -0 „z" c a
?-
Name: J. Epstein Virgin Nandi Foundation
Inc. Vs Enhanced Education
Name: li,jp/A .--a-',..-----
m
. I No:
L. . - s
Mane:
superseding-Curtialattastv, Sakklan, otype:
No:
(Name:
I Date EZ latlat 12. SSN:
ID Type:
No:
the De b p a o t w ty eclazewl A ed v g e e e 0 a J c o e ir t ig t h ro e o F ri i n n e l Prepared by:
Etatteep lebrmebon Stalin asel Meaty Authorized by:
pobey. ad the peoduct mks ay Ss
CONFIDENTIAL SDNY_GM_00012867
CONFIDENTIAL FirStBankPR000030
EFTA_00123510
EFTA01268714

Ackan Typos Amami Mager I Slat Req. i Nac
enrovitiu Chiebt4 7"1416893 !
et rni i Wake ,
trestles! 44;th Mt Non rins
t9;19afa5
'cril gmG ii;. d
Oh7O2-
Name J. Epstein Vinin Island. Fotolt6a3 EN: 660535379
loc. V. &lanced Edenton
None lacy Entatt S.K9: 090443p34e3
No
T
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too if
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ESN:
SumsteigCurecanst• Mar " f o:TYPt
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Pk.: real we fun 3 timeline nrAcn iso xs b.c'uc
raiotinembereoftAceripirry ale wawa tite .car wawa:.
Ilea phi ova= of act rfamred %pay ..x.747. ?nide .itt name*
*Heir glipata to eia WM abet awn Hears an owl Soo Oa: se, ;Ise
nura at as texaday.
Dm Bat =site b 'stein Lka
•brxreir most prOWA kimetat cied atiiak int eta cea ..salaaer Asx9iti,
• •ffittnia, el./4 Ours Ana' 'Sr
CONFIDENTIAL SD NY_GM_0001 2868
FirstBankPR000031
CONFIDENTIAL
EFTA_001235 I 1
EFTA01268715

1 First Bank
MEMO
Dates 4/6/2016
SSU
From, Richard Young
Jeffrey Epstein
Jeffrey Epstein is a large non-borrowing deposit Platinum Banking client of FIrstBank VI. He has several
companies with all of the accounts with FlrstBank. He keeps an average combined balance of over
55.3MM with FirstBank.
Mr. Epstein has been banking with Firstliank for over 7 years. Based on the overall deposit relationship,
all of his accounts are approved to receive waived account service charge fees and waived wire transfer
fees. Going forward, Mr. Epstein's accounts wilt not receive a charge for service fees.
Richer • Young
meiotic,' a Business Relationship Manager
Market Manager
Wat, -I Cum< lot1 .4C• PO 110x Spas o: St Tt.opnas, V1 0.1V33 1i1: 3404)34331
340-71548SP
CONFIDENTIAL SDNY_GM_00012869
CONFIDENTIAL FirstBankPR000032
EFTA_00 I 23512
EFTA01268716

11/14/07
Prepared by U NEIL.
I Authorized by:
CONFIDENTIAL SDNY_GM_0001 2870
CONFIDENTIAL FirMBankPR000033
EFTA 00123513
EFTA01268717

Customer Due Diligence For Additional
Bank Signers on Individual Accounts or Authorized
Signatures on Business Entities Accounts
Existing Account Number Account Number which is attached to the Signer
.722'101376 7171018893
Authorund Signer Information
Name: Jeffrey larbal: Last Name: weeks
Dam of Birth: insane Blrac NY rSac
Citizenship: up Name athe4r:1ni
Physical Address: ISP1R170.1
Little Saint Jamey island 6100 Red Hook WHIM b3
St. Thomas. VI00802 St. monk vi 00002
Typo
Recurrent Source: 0 Oem Buenas O Priebe O Government O Other. specify
Annual Income: Dl 5001 • WOW q 550,001 -$IS0,000 q $150.031- a2sBodo EI Om 5290000
3 Clirint
• date *sawn eit brit re L dB* Maws Neatens tsar Otte constend tee At aroltrbe Eton it noted as imbibed it Brae Osertoe
• . C Y t e e e r i e fet n -C cela C m E e " fo rti m eh o t t l i o x a t n ro o t r a E t r o nb l t s o m Ca t l o sk C ie o n m a p s li H er O * C R e s re k e ntiet BSA Debby b mend Y 0 oe No
A tndicele venttrer tire client* a namtiattnt aka: (NAGS e1000001 0 0
B Ire cafe ?retry r'e bent is a resdem (NAICS 0200000) 0 El
C cost wieder me darts MSC 10 en WON de ',reign government and doctrent me type of no ationship
rtalCSUCO(.00;
4. Verification Systcm- For JSO only as Contingency nos C3 (1
Name of the Representative *c attended your call: _
Response to Sakti Strums?: Year: State: Gee:
Response on Industry Behavior:
Reasons* on ID:
0 Daubed
0 Approved
fes
Brian Bonehoo Oaks, ris
time
Comments, It applicable:
Fie updsle - ackmo signer
0i
Inleertemed by: 942. ( Aitut&O 4124/2012
t R. - 440‘,'"
_Sr Ar 9 re,
Date: last
10•11.1101411%
CONFIDENTIAL SONY_GM_00012671
CONFIDENTIAL FirstBankPR000034
EFTA_00123514
EFTA01268718

QUI!dile (NAC) Page 1 ot 3
IMPORTANT INFORMATION FOR CONSUMER REPORT & IDENTITY VERIFICATION SERVICES
T IS Consurnefftusiness Cats is being nffnished in connection with a trensamon Triitated D., • err, and / or in accordance
with the written IreStruCtbre of the consumer, to wnom the information relates as provided for under tne federal Fair Credit
Reportins Ad (AMA) or the Gramm Leach Baley All (GSA); or is teinp used in connection with account review as provided for
under the POW The data contained in this report may be viewed or printed toe no other purpose. Information returned in
COnfairner Report serviced may not be viewed Or peiMed in connection weft making a pre.apprireed Arm offer of Credit
(DreErlen).
Consumer Information Response
Consumer Information (As Entered)
Jeffrey Epstein 93N
Little Saint Joules Island
St Thomas, VI 00802
Country of Residence: United States
Account Actions
Action: ACCEP.
Recommended Actions: OPEN ACCOUNT
Qua I iF Het Detail
ciao Ica
CH CURRENT ADDRESS CHANGE HISTORY
QualiFlie Store: 0759 Reasons CI NON•DEROGATORY PUBLIC RECORD HISTORY
CL PROPERTY OWNERSHIP HISTORY
CC UNIQUE ODA INQUIRY ACTIVITY
Non FCRA
Identification Information
SSW Validation: BECAME AVAILABLE FOR ISSUANCE IN 1907 IN NY SSN:Y
ChexSystonsa History
Total Closures: Total Purchased Debt 0
Disputed: Disputed: 0
Paid: Paid: 0
Unpaid: Unpaid: 0
Partially Paid: Partially Paid: 0
Sold: Sold: 0
Closure Details
No Closures Found
Purchased Debt Details
No Purchased Debt Four('
baps://production.penleyinc.com/penley/secure/chexSystansPersooReport.do?zeporttype... 4/25/2012
CONFIDENT IAFslLaTmoR0S0O0NY0_G3M5_0001 2872
CONFIDENTIAL
Erl'A_001235 I 5
EFTA01268719

quail'.I le (NAL)
Page 2 of .5
Inquiry Details
out Number of Inquiries: 4 Waller of In Inn env 4
Inquiry Date Consumer Name ,resuirer Noma
04,06/2011 \MARC R FANAM NEW YORK COMMERCIAL BANK
02/02/2010 JEFFERY EPSTEIN FIRSTBANK
11/102008 JEFFREY EPSTEIN FIRSTBANK
10,034000 J6rFtttY EPSTEIN FIRSTBANK
Inquiry 1 of 4
inquiry Date: 04/03/2011 Inquiry ID: 452556390
httus:Pproduction.penleyinc.com/penley/seemrekhexSysteniSPersonReporldo?reponType...
4/25/2012
•
CONFIDENTIAL SDNY_GM_0001 2873
CONFIDENTIAL FirstBankPR000036
EFTA_00123516
EFTA01268720

qualat tie (NAG) rage 3 or
Inouiry ID
Debit Bureau Reference•
Tranraction Tr;alng I
Print This Page - Close
https:ilproduction.perileyinc.00mipenley.isecurechexSystansPersonIteportdo?reportType... 4/25/2012
SDNY_GM_0001 2874
CONFIDENTIALkpR000037
CONFIDENTIAL
EFTA_00 I 23517
EFTA01268721

IL) Ventication Results
Page I of 2
ID Verification Results for 3effrav Epstein
RESULTS SUMMARY
OFAC CHECK: PASSED
IDV RESPONSE: OVERRIDE
SSN: PASS
Issued between
Input SSN:
NAME MATCH: PASSED
Input Name: Jeffrey Epstein
ADDRESS MATCH: FAILED
• AA..1
I
DATE OF BIRTH Mirrru nAe•ri-e,
Input Date of Birth
Alternative Verifiesliens
HOME PHONE MATCH:
Input H Manion Data Given
Dif. Int
DIE In,
DI?. In
LICENSE MATCH:
. Input license Number: No Verification Data Given
DECEASED: NO
—,
Account Status: OPENED
Override Comments:
On 04/25/12 at 11:40:03 Tam Bowers Added: Cleared - Obvious Address Mismatch, client's
current address. 6100 redhook Quarters 9-3 client mailing address
ethic magus • Slats
htips://productiorocaleyinc.00mtpenley/steurelfastWatchReponDetaitdo'hnodepringtoi...
4/25/2012
CONFIDENTIAL SONY_GM_0001 2875
CONFIDENTIAL FirstRankPRO00038
EFTA_001235 18
EFTA01268722

IU venticauon mesuas
Page 2 of 2
IMPORTANT INFORMATION FOR CONSUMER REPORT & IDENTITY VERIFICATION SERVICES
T C u R w n h o e it d i n t s h o e s c r r t u h t o m i t e n n h e s g e w r u A F m r R i C c t e e t t R p e r ( A n o / F b r . C u t i T l R s s l h / i e A M n e r ) e v d A s o i a c s W r t e d a t s : h a I c m e S t o a G a o n y i f t r s a a t n i b h m n o r e e m i t d n c b g o I L e n n f e v u s a t i h : r c e m n i h w s i s a B e r h r d e l e , i p l d o e t o o y r i r n t ? p A A r m c c i o t k n a n a ( t y G e n n d L e b t c h e E in o e A v o c i i ) n e n o ; w f n o w o n r e r i e d t m i h c s o a t b a i r t o i e o t n p r r n r r a w i y n n r i t s e u t e h a l s r a c / e m t t d f e io o s a i n r h n a n n s i c o n o o p i o n t a r i n t o a h o e t w e e c r d r e l ti e - o p b d a n u y m f r 0 w t p e h r o o i e t u s v h e n c e a . o d o c I n e c n t s r h o f u e t i u m h n r n / e n e t o r a f f r , e f t e i e d e v o r e r i n e r o a a w f r ; l e C w a t F u r s a e r i i d n p r n i r e C t o d ( a r v p e c I i d n r d c e i e o t s d r c d r f a e o n e r c n e ) .
https://production.penleyinc.comipenleylsecure/fastWatchReportDetaiLdo?roodeprint&oi... 425,2012
CONFIDENTIatpR.o SDNY_GM_0001 2876
CONFIDENTIAL
EFTA (()123519
EFTA01268723

WE IES" Corporate Resolution
yfro wands
. the undersigned Secretary. hereby certify to FirstBank, that at a meeting of the Board of Directors of J. Etienne Won Wands Inc
Ia Enhanced Educations ('Corporations)
corporation organized and existing under the laws of U.S. Virgin Islands
stay called and duly held on the 10 day of Aced , 2012 the (Glowing Resolutions were duly adopted, and that the
raid Resolutions have been entered upon the regular minute boobs Dither Corporation. are in accordance wth the By•taws and are now in full
Once and effect
RESOLVED:
1. The Officers of Corporadon. or any ono or more of them, am hereby authorized to open a bank account or accounts from time to time with
FirstBank and its subeidiades and affiliates (each beIng hereinafter referred to as *Bank') for and in the norm of COrporadon with such
or titles as he or they may designate.
≥. The Presdent Vice President
(w5 g. tense orrica(s) manna ea. anewara femme. accaffanmal‘f
of Corporation, signing Singly
Fro Mum or Wine aerrit Naas se. safe's my tea
and their successors and any other person hereinafter authorized by any means to sign on bell all of Corporation cAumorlbsti Persontsy)
are hereby authorized to Sign, by hand or by facsimile (iric:uding. but not limited to. computer generated) signature(s), checks, drafts.
acceptances and other In stnnents (hereinafter each collectively referred to as 'Item(s)'). Notwithstancng the above, any Authorized
Person is authorized singly to: (1) initfate Automated Cieanng House (-Aar) debits without a signature: (2) initiate payments by use of
Depository Transfer Checks OTC, without a aignature other than the name of Corporation printed on the OTC: or (3) give inatnictions, by
means other than the signing of an Item, with respect to any account transaction, irialudIng. but not limited to. the payment transfer or
withdraw-al of funds by wire, computer or other electronic means, or otherwise or of money. credith, terns or property at any time held by
Sank for account of Corporation (Instructional.
3. Bank Is hereby authorized to honor and pay Items. whetter signed by hand or by facsimile (hducring, tut not limited to. computer
generated) signature(s) d thn ectuai or purported facsimile signatures(a). regardless of how or by whom affixed. resembles the specimens
filed with Bank by Corporation and other orders. DTCs, ACHs, and insinictions, given singly by any Authorized Person. Bank is further
authorized to honor and pay OTCs. ACHY, Instruaions, and other orders given singly by any Authorized Person, induding such as may
bring about or increase an overdraft and such as may be payable to or for the benefit of any Authorized Person or other Officer or
emp3oyee indvidually, without inquiry as to the circumstances of the issuance or the disposition of the proceeds thereof end without limit as
to amount.
4. Bank is hereby authorized to accept for deposit for Credit or for correction, or otherwise. Items endorsed by any person or by stamp or
other impresser, in the name of Corporation without inquiry as to the clrcumstances of the endorsement or any 'ode of endorsement or the
disposition of the proceeds.
5 The President , tile by The prior() emcee to uea Lank Aeries:ea ea.. see Prey Yee Prgdwq mare. its
of Corporation, signing singly
edam haw mow ea en lobe lama eta. salt Wry are, sic)
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deemed adeqsste or not
8. p a I d n u u e t r c c h p a r o o e s r r e e i t t i i o n o e r g s f o c h t r o o e d r r c e d e a r t i i n n o c c f t c n e a o g l , n c d r o t e a i u e s i r n t m t r e i h c s d a t o B v o r i a n r d n g c i k s h j u p m a n u n a s t g e y d e s i b c . a u b o n t o r y n n d e o o o e f u f d s t b h a t n e i o o d s n t a u r B u e b c t a j h e o r c o k g t r ' n i s m t i i z e p a e s a t . r n e t o o , a r r a s t g n h t i d e o v e o e t h f x a e t e n h r y v e c a i e p s l f i e e d fe t i t t t c i h y e t . s e t t e r o e t x o o a t e f n s , n y u u t c n n h m o le t C o s ic o d s e n i f B f i f l c r i a c o a n t t m i i k n o g n a a n . c r y l r e e e O v a q n o f u f s c i i r c a o e e t r i d r o . d n t o i o s o r p d r f u r o e o t e x s m s e o . r a c b n i y s y e t o h o t e h f e * a d r n p e y e m o r f s e h o n n e t .
Iiistraisl.z,t*u s % e n c o ra i strnes 4a 014/4Val Rco CONFIDENTIAL SDNY_GM_000 12977
CONFIDENTIAL FirstBankPR000040
EFTA_00123520
EFTA01268724

Corparation agrees to be bound by the Teens and Conditions for Business Accounts and Services. es well as any signature card. depose
&kat, checktook, passbook. statement of acoount, receipt instrument. document or other agreements, svch as. Cul net limited to, funds
transfer agreements, delivered or made available to Corporation from Bank and by all notices posted at the office of Bank at which the
account of Corpeation is maintained. in each case watt the same effect as if each and every term thereof were set forth in full herein and
made a pert hereof.
10. The Officers of Corporation or any one or more of them are hereby autonzod to act for Corporation in a I other matters and eanSeCtiens
relating to any of its business with Bank inc. Wing. but not limited to. the execution and dethery of any agreements or contra= necessary
to effect the foregoing Resdurions.
11. Bank is hereby released from any leitoeny and shell be indernnied against any loss. Fabiaty or expense arising from honoring any of these
Resolutions,
12. Subject to parageari S above, each of the foregoing Reset:Den and the authority thereby conferred shall remain in full force and effect
until written nctice of revocation or modifcation by presentation of new Corporate Resokakins and signature cards steel be received by
Bank; provided that such notice shalt not be effective with respect to any exercise of said authorities until Bonk sive have had a reasonable
opportunity to act thereon and in no event prior to the receipt thereof nor .ivith respect to any checks or other instruments, for the payment
of money or the witerawa of funds dated on or prior to the date of Such notice. but presented to Bank after the receipt of such notice. The
Secretary or any Assistant Secretary or any other Officer of Corporation is hereby authorized and directed to certify. under the seal of
Corporation or not but with Lke effect at the latest case, to Bank the foregoing Resolutions, the names of the Officers and other
representatives of Corporation and any charges from time to time in the said Officers and representatives and specimens of ther
respective signatures. Bank may conclusively assume that persons at any bine certified to it to be Officers or other representatives of
Corporation continue as such until receipt by of written notice to the contrary.
I FURTHER CERTIFY that the persons herein designated as Officers o' Corporation have been duly elected to end now hold the offices in
Corporation set opposite her respective names and that the fabwing we the authentic, official signatures of the said respective Officers and of
the named !Oltenia* WhO are not Corporate Officers to vAt
Name (Typewritten or Printed) coati
Jeffrey Epstein President
Darren Wylie Vice President
Erika Kellerhats Secretary
Erika Kelerhals Treasurer
IN WITNESS WHEREOF, I have hereunto set my hand u Seretary and affixed the seal of the said Corporate) tin 404 day of
Ma 24=2- .
• Attest (Second Officer)
sewir•
Treasurer
sYFIT.
(CORPORATE ?:EAL)
HERE
• Note: In rase the Secretary is authorized to sign by the above Resolutons. this certificate should be attested by a second Officer of
Corperavor.
CONFIDENTIAL SONY_GM_0001 2878
CONFIDENTIAL FirstBankPR000041
EFTA_00123521
EFTA01268725

J. cpstein Virgin Islands Foundation, Inc.
6100 Red Hook Quarter 83
St. Thomas, U.S. Virgin Islands 00802
April 10, 2012
Ms. Tara Bowers
Customer Service Representative
Platinum Banking Group
tarabowers(WErstbanbi.com
Dear Ms. Bowers:
The Corporation authorizes you to add Mr. Jeffrey Epstein, President, as an additional signatory
on the following account.
Name: ds Foundation, Inc. Va Enhanced Education
Nurnbe
Your assistance in this matter is greatly appreciated.
Sincerely.
(
Darren K. Indyke •-I
Vice President
SDNY_GM_0001 2879
CON F ID ENTIe skiBLla pR000042
CONFIDENTIAL
EFTA 00123522
EFTA01268726

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Client Due Diligence
Business Accounts
SALTWEIN:
Physical Address: Mailing Address:
8100 Red Hook gusty Sub) 83 Same
St mortise. US VINO Islands
00802
Business Telephone Irstemelfiebsite Address: N/A
Line of Business: Not For Prot) Organization Date Estattsbed June 2000
Annual Sales: SNA Mr. of Offices/Branches: 1 Nbr of EmployeeS. 0
Property Status' 0 Own 0 Lease Referred By. 0 AthertiSeMent 0 tined Client Cotner
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Authorized Signer Name: Darren lndyke prdessen money Caoccate it'll President
Physical (Home) Address Personal Making Address:
6100 Red Hook Ouarter 83 6100 Red Hook Quarter B0
SL Themes, US 'AIM Wanda Si. Thomas US Wein Wands
SeealSedmn tinter On Of I Nue OfB el: New York Of USA
WrabSe Number Emil Adroit
hem n 20 Mal leentFhabon Wilt a Mater US Passport 7884 3110 E / w 10 ir 1 e 2 a te
yJ CHEXSYSTEMS celled BYes 0 No. explain why. y c
OFAC ESN Response: Year 13174 State: M ID Rosi/Orne 14/ " 4.0
OLC d r BANK REFERENCE requested U Yea RNO. explain WWI 241Lajthagt_auzathe____
Response'
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I A T ts h c e c A C o D u l c e e n c p m t! o o W s i u n i O n t fo a t R r h m A a e a t r g e t e i s o r b e n y a e n S te d m te n F e e O th r O n ( s S t K S t Y A h a C e c l ( t ) c o t a h e : n M e p d e F t f a o i o n n n u d d m c s l e e e it n n a i a t t y c I n n a , d n r a " T y b te e e a a o x t n n p a d t n a h a d y e s e a o d s n r a i m d S f e a t t d y a T b s t h u e e e s a a D m d e O e e p n o e p d s o • i e t s t e i d i r t d o i f c o W r/ r f o t e h f r e t e h t c y e e p e d iv s e e o p d o f a f s i n C ito d a r a I a t g e n r t d e a e t n s h d a e t s s h e th m s e e : e T e e s re r m t v i h s e a w a s n e s d d e A T le h g e c r t e i e n e d t m o . r e m n a ts d t e o n r c C o o n m ta m n e c r d c i l a et l
U i r f s r e n o s n d m u o e l t t b r k o a p t t c r h f t a e u iv p t d e e w s to a t o i c b h i r t a o e p c l p e S d o O u n r p u e t r a , w y ( : , i 3 t t i h n o ) n t M e e o D r r e e d e . s D n p t e g o o p r e s o d t t s o r r i r e t e o c p . r o e b m r n e ta t c a l l e a o U u s c s S t c e a ( c t a s ( ) a r M ( t ) i I l a a ) y l . T h T ( a M h C e s r I o n r R ed u s S m s b M o b e e u e s r t n a n s b n o u e o t b i a o f p i m s e a e d o r d t m b 2 e f y (a i ( e t ) ) h e i e f f p o n o I r r m s t i e s t m o m n u a M o m l t a R t r c t e u t o v e is e . n n i I t = u o t e S t w a S t x a e t t i r a e d e m r e w n s e t u n i O e b t / c R e 3 t S e s 1 e l 5 : t M r o n n e b o a t a t s c m tr k i u s u e e p t " a . w a C : n i e r t d o s e s r ; o 2 s l ! ) d O a d in u m u g t e d a r t i n h h d e i o t l D c f d t o e n e m p o x o p e e s i m s e it o t p e r t
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Credits: No. of Tremor:gems: 00-10 0 11.• 20 Q21-60 0 Other
Total Mount (3): 0 SO - $6.000 0 SUM - S15,000 El moot - moo° 0 oiler
Type: [ S 'C P a a s y h n e 0 O t D h i e re l c lo t D ' eposit 0 O 1 A M cc o o w un e a rs ra C ns h f e e w ts s ilkeey Orders S 8 I N A i C ke M T ransits a 0 lh R e O r 3
Detille: No. of Transactions: 0 0— 10 0 11- 20 021-50 0 Other.
Total Amount (1): 0 SO -36.000 0 18.001 - 313000 0 316001- 350.000 0 others
Type: 0 0 C Fa a y s r h o s 0 S C O h r e e c c k t s C epcst 0 0 N M a il a n a e t r : T ra C n r s e fe J rs .0 /crey Orecrs 0 r l: b A e C n , i Trawlers C 0 P O O tle s r
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EFTA_00 1 235 / 3
EFTA01268727

F Din,
PJATIORLHU OISTICT name: CaPDate -. :je
Phrase (Home) Address: Personal Mailing Address:
Soda Sao^ Nirther Date a Ern: I FIG Oren O
Home zeiciplhioone !mate r. zeleptanci Number a r. EmailAddress:
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SSN R e: Year. Star. ID Response:
OPLC NK REFERENCE requested O Yee ONO. VOW WhY
Response:
Authorized Signer Name: Prokseirc mond Add : Capons Ira
Physieel (Hemet Address: Parsons
Soasl Security Neater. Dew Of Bit: I free Of Binh I Ctrs OE
Home Telephone Number. iBreese Telephone inner 'Business Fr" Mobile Mater. Enloe Address:
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Response:
moon:cod Signer Name: Pr:kiss/at Caporate rib:
Physical (Home) Address: Personal Mar Address: ................................_______
Social Sccurty rarer I Date Of Erna: I Pisa Of Cern Ot
Home Telephone Narrow Business Tap:lone Numbs Eltignell nix Motile humor I Ernes AOSsres:
Vegan etspeke Parr weraceson Type 8 Nurser i reeseceas E*toa Dec
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SSN Resort ear State: IC Referrer
OPLC ERENCE requested O Yes O Pr explain why:
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Authorized Signer Name: Presets: Corpora Tee:
Physical (Horne) Address: Personal Mailing Address:
Seer Seery Namber. I Date Of Dollt Citizen Ot
Home error Nutter: I BIlliDlttl Teleplione Weber. *sneer !I Mar Hater I kraal Address
as, a Oxteeserc PhoSa IdaYitication Type d N I Ideteikatica expireerxt Dote:
O OFAC LI CHEXSYST ed U Yes LI No, warn why-.
se: Year. Star ID Response:
Illei. 1 BANK REFERENCE requested Li Yes O No. explain why:
Response:
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0 Credit Card O First Fax O Night DeposzorY
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line Of Credit
CONFIDENTIAL SONY_GM_00012B81
CONFIDENTIAL FastBankPRO00044
EFTA 00123524
EFTA01268728

rlea tOt
Anni n°1moo
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ARTICLES OF INCORPORATION
w• es's v ise y
OF 10 P4.9"
J. EPSTEIN VIRGIN ISLANDS FOUNDATION, INC.
We, the undersigned natural persons of the age of twenty-one yeareor more. all of whom are bona
tide residents of the Virgin Islands of the United States, acting as incorporators of a corporation to
be named J. Epstein VirginI slands Foundation. Inc.. do adopt the following Articles of Incorporation
for such corporation pursuant to the Nonprofit Corporations Law of the Virgin Islands (Chapter 3,
Title 13, Sections 491 et seq. of the Virgin Islands Code), as the same may be amended from time
to time, do make and file these Articles ofI ncorporation in writing and do certify:
ARTICLE I
The name of the corporation (hereinafter referred to as the "Corporation") is J. EPSTEIN
VIRGIN ISLANDS FOUNDATION, INC.
ARTICLE II
The principal office of the Corporation ir. the Virgin Islands is located at 41.42 Kongens Gade.
St. Thomas. Virgin Islands. and the name of the resident agent of the Corporation at that address is
Paul Hoffman.
ARTICLE
A. The Corporation is organized exclusively for charitable. educational and scientific purposes
within the meaning of section 501(O(310fshe Internal Revenue Code of 1986 for the corresponding
provision of subSequent tax law). Notwithstanding any other provision of these Articles, the
Corporation shall not carry on any activities not permitted to be carried on (i) by a corporation
exempt from federal income tax under Section 501(O(3). or (ii) by a corporation. contributions to
which are deductible under Sections 170(O(21- 2053(ai(2). 2106(an2)(Allii). 25.22(ait2) or
2522(b)(21.
13. No parr of the net earnings of the Corporation shall inure to the benefit of any individual.
The Corporation shall. however. be authorized and empowered to pay reasonable compensation for
services rendered and to make payments in furtherance of its purposes. The Corporation may carry
on propaganda or otherwise attempt to influence legislation but only to the extent permitted by the
Internal Revenue Code. The Corporation shall not participate in. or intervene in (including the
publishinu or distributing of statements). any political catnpaig:t on behalf of or in opposition to any
candidate for public office.
-- inintriPartKirttar• ••• put snan oe-iettrty a Epstein or such person or enti•t y as he
shall designate in writing.
ARTICLE V
A. The Corporation shall be managed by a Board of Trustees which may fluter delegate
management responsibilities to the officers of the Corporation. The number ofTrunces constituting
t t i h m e e B b o y a r a d m o e f n T d ru m s e te n e t s to is t h th e r B ee y . - l T a h w e s n . u b m ut b in er n o o f T ev ru e s n t t e s e h s a m ll a th y e b e n i u n m cr b e e as r e b d e o le r s d s e t c h r a e n as t e h d re f e ro . m time to
B. The names and addresses of the initial Board of Trustees are as follows:
Paul Hoffman c41o-42 KNongensn Gadte ENTIAL
SDNY_GM_00012882
CONFIDENTIAL FirstBankPR000045
EFTA 00123525
EFTA01268729

• ••••••.,.
Articles of Incorporation
Page 3
Vice President Jeffrey Schantz
6100 Red Hook Quarter. Suite B•3
American Yacht Harbor
St. Thomas, VI 00802
Vice President Paul Hoffman
Secretary Jeffre
Treasurer Jeffrey Epstein
6100 Red Hook Quarter. Suite B.3
American Yacht Harbor
St. Thomas. VI 00802
Assistant Secretary Paul Hoffman
Assistant Treasurer Paul Hoffman
E.. The officers of the Corporation shall be elected at an annual meeting of the Board of Trustees
on a date to be specified in the By.Laws.
ARTIC.1 E V(
The Corporation is to have perpetual existence.
ARTICLE. VI{
A. The initial By-Laws Grille Corporation shall be adopted by the Board of Trustees. which may
alter, amend or repeal the By-Laws or adopt new By-Laws.
CONFIDENTIAL SDNY_GM_00012883
CONFIDENTIAL FirstBankPR000046
EFTA_00 I 23526
EFTA01268730

Articles of Incorporation
Page 5
IN WITNESS WHEREOF we have made, signed and acknowledged these Articles of
Incorporation this& day of 2000.
TERRITORY OF THE VIRGIN ISLANDS )
)ss:
DIVISION OF ST. THOMAS & ST. JOHN )
The foregoing instrument was acknowledged before me this P7' day of 2000
by Barbara Mignon Weatherly and Paul Hoffman.
Notary Public
n*" "
STATE OF NEW YORK N. TsitoPii4son era tear .
)ss:
COUNTY OF N e tqcet.
The foregoing instrument was acknowledged before me this lc. day of In t 2000
by Jeffrey Epstein.
Notary Public
LApUric...Ists.tie
NITffli;eybek
Carlinti O On ta N n o i . iDn2 N K o W N w O 6 0 V Y 7 O o o 0 l M k f 6 b 8 C e e o f u W n 2 N 0 -
SDNY_GM_0001 2884
CONFIDENTIAL
CONFIDENTIAL FirstBankPRO00047
EFTA_00 123527
EFTA01268731

DUE DILIGENCE FOR HIGH RISK BUSINESS ACCOUNTS
(CHECKLIST)
hyena war me
Account Tett • u
J Epstein Virgin blend Foundation 'in;
t H h i a g t h 0 0 R i E s S k P g Y t . a gneas / e 4 s require M - o no s n a a w ! Ore otlipenot n more than one tyro of butsela +Par. Mtn follow the retternents or at Be types of buslivanie
d t c r o a * n i e t n ac e f t l e a t , h t F e r o B o r t S m A y . e C t A o e S w n % a l: m w ph i e n n c h e e d a O ' a f f b i l c u a e s c s f e - o v r r s a e % s V e i s m d a w e r n i e e o t n u o W r t M n h e e o r n n o e B rs y S e , A n ( g B C S o t A o m e p a d l i a b D n a c is t e o t r c n ic o t w M It o y a n o n t u i n c b e r r e a ! a ) t e m a n p u p a s r t o M * va p l a r b o h v m e e r o t u t h o e e e b d d e . e t t n h o y e r ' i I n e q t c Y u o c i e o r r e n G m p a i a e n e n m d tn t t o 4 e a s i t t s h n n e n o o O u t t n b b l d o a e e o n w r n d c n e o e t e r t a a b d t n r r . e u c S t i y o P o n l u a a c n n e o t o t f
Notes:
a. F Un le it s ed h S * t * a d in o e o s f a A g m y e o ri p c e a n . U s n c it a ed n S ta b le e s f V or a e g ig n n g t l u a a n t d e s s a s e M s n e o s t h r e V g h is a t n er I e s d k t n o a d t o . trans In the junta:tons In ‘Mch he tank ormert.. tne
0. FirstIlank does Edg open nor manta. aortas for clients arm engage in money remagarge or chock ceenng savor
o. Firattlank does= open amounts for businesses InocrporMal in a fnemcal haven country.
BUSINESS TYPE REQUIRED ACTION
q M Fin a an g c n ie a r i B nS r a o t k U e b n O , n P S r ( i C va re te d i B t W ano o s n an '. d C te e s r d m ona e l t S .' e ar * se Persia Lendirs, Nor c FI h R e S r IB c A a N sh K in d g e b r r n a o s t open accounts for money tranannters or
q N an e d rn G -B i a l n a S h o f s r ) i encol ihislirtesne (CtinaneY Ertirshd9s• rehar Exchange O O tee a m r in i g n M g g a & Ca S s t a a n n ts g k o r f n n r e st r B d e s r / ie a s n B d S N A o C n- a B n a p nk le I a n c st e it D ub e O p n a S r t C m o e n n t e t In PO
Case yOu wit
Need a letter kr he CuSterner en company litediead
! Shin, the account b for opratonsl Ourpan ono, and
- No cabana funds ma now am* the account
• Third parties carnal lurid oporat rg accounts
O The SSA Casphanca Omar ' ing err all
*Ma types of +coaxal.. Ca
q F r G P e r r C a i o d O s n a h g y e n I s e n s . r h t O e e o e n l w i s l l i o s v s c e 5 . a 3 B l A . 0 u t . r e 0 s g t 0 i a o e 0 r n . : a a e r o l t m e . c ) i • ( a M n t a t y i I n o r c n e a e ta r s i h l r e p p i e e n r n . w e c e . e e g k . . e a W l n m d a I g * t g t o r e in r l % e s e n T o a t O t t I a c M b V a u ig s r a i t e n t n e h s a e e s n p a l h i e e o n c a o n e s t . e o lo , f T ' c b h a n u t e e s H d m in a I a e n l s o s t s y R b o a u e e r r y 4 o / r o n c M h a o s r e n m : t a p B it l t a t i e n t n a o k c e 4 O th ( m e i t . e o a O . s r c s t a c e o a r r f t a r e e o h c t u o o s m c n u t s n h in e t e * S l e P a n M n c e o e n J u u P n n a l t . a n c m d a e t i t h n o e e t f
Foods ray tinnting places indicate the reason err epanina the ace:se at holler Branch CO the
Obsavatorm at the Plea of Strews For,, and why this explaneer makes
Groovy Stores Waimea sense.
Beet, wine end aqua sore O ATM- Venty If ;ray owned ATMs we located on me premises. If yes,
obtain copy el Third Party Agreements
An dean
- Vending Marne Operston El o fa w n * b o us a in s e t s c s o s p e y a s o f m t o o n e S ta s r o y o i n A e g tu en rn t e A r G s3 r a ( • r m ie • n o e t y . Cedes) and/or prong
Tersommunketlang Phone Garda Talepnone Centers
Tray* Agar
O import EsPat Batman (Physmal inventor/ in store or warehouse can
be observed)
q
Jewelry! Cunt Promos Metals
O Electronics (weidesaistetel)
O Gas BMW.
O BarehterWBSISIng Estabbilmenia P.20% c‘ the early)
q ImporbErporl Becker (never *es possession of goca. Wier hams Obtain al Sri 2 a more of any of Me loacreanp doarrts lath be the Flo)
based a no phyocat Ration acres* to dreastrale Warning)
O invdoes
Cl Used Car Sale (no sales koidon)
O Sabered Oticumeno
CI Frosts Transportation
O Contracts
Cl 'Pamir and Ground Transporlabon
These croesinerees must to suOPOrthe of the yoke" at Wangle. issitipetast Yee
CI Mahon, Conscrationa trews me Art** of Incorporates. B CoiFoiete M Trines:eon Prato. For animas. If a company indented Let Kee In
Stmaure uses team mem( do not Opal M acceonG. Under no 4200.000 range al be received. 2 names tot 1460 we not acceplabte.
casemate:nos may he business be Incorporated In • enenClel Man
country. See fore atheist Woes camels.
o GesSostr Plate Dr arsht) Sam* IRS Form 6330 for review. rt potential dent nacre met cash ear
q St0ScarOkente do not erect 110.000 per art Man Imam this on the Coursed:one at
the Pete of Burnass bor.
Wit the Noce cd cosiness and complete the 'Obsennebons et the Pace of
Bushes,' lean. its must be Clone witei a weeks of account owing. If Ms
Wines, b rot located In your maketplace (i.e. Want Me in Sin Juan and
opens an account n Halo Roy) the Sank G&W Wets, the lonxint must
nooses the ;anon for opening the account at Winer Brear on the
Obeenarban at the Place of Busress Fenn and why MS esansige makes
Wenn. sense.
O Interned Businesses- Any business that ate the melon), IP al 000de You mat review tie webelte to enure that Montano Iniefelellect tlat COOS
and cone m over use Internet (Not a renal area that also has • war) result n embarrassment or nerds* publicly for FIRST BANK (barples:
Saga) adult enterternent panography. etc.)
MMW463-0207A
-CONFIDENTIAL SD NY_GM_0001 2885
CONFIDENTIAL FirstBankPR000048
EFTA_00123528
EFTA01268732

aU1SiteE36i REQUIRED ACTION
EJ [samara: lovesbnOot Company D Opinane omounD'of inveshiere limlnesses Oo ned ucuto lM
InIMYIAItVdlyJplMlBusiMas oparom of ISSA CNN:deng Hormet. • betler tue ba catatnec ocen
n •4>nay Management Bysiness te herd on company laternead starog ene eocoont m lor burdness
Melbo« ~OSS my an:Itiat elear; Deflooal Jonas onr od koi
Infougli he immunt. (Third partes ceno< fund the operating
annami.)
q %A ~pianoa sepiom! is 'emira] pfku to mening fatal oter lyPell
of accounb.
• °Mentor ESSA Comph ra Mee
1. A oapy of te ammer agrement
2. Nami. pnrnary reeketnco and sadel seciny rumby kr mdi
thentrIcial amer (ALL INVESTORS MUS2 RESOR IN US.>
3. SOMOM setami apene" doeummtation.
Na.: Person« In:hem« ~panie, (Pe), mend the anty M ithesieng
ds Den lunds (no he Mew Zm im agnets or Waty risentin)
don nal fal N Na ~agory o PIC*. M not -high rek' and doet ml
dehens BSA Caratami «Mnd ane no ote additional dw
higer« is raliered.
q Samt Band %annast, Oblin sny ems pinleg klbodfreg deanene, (capy ka tee MF
G Mest Seences tvelees frem suppban
D Acmovnbog. Ta. Onmaration. ona %wol: Semici* Centrach wa.h demi
O Camp"( System 00Myr era Releno Sanimes impluwia vettatiCa wan albit In lov of ConaaCts
Cepy of s imme to mone in a [urbant busIneSs (il rechsrea by
yOur
Any domom kom a rud paty Ss eit osnensigoerbu snesa
~nying %hat aq tonerasa a MM/ed in tle loatnitY thai dan
VAIICh aen be ver.1•0 by hepnene
It the Nanna omnar hu asesfachuly mairsaime his personal ducking
amt0Oont Ot ~the, tvtions *word wiei Fat Benk fm 6 ment, iN lenga.
the Ranch Monn« Mry Wave me mulni/nen:for invocoad cantrates, etc. I
dmid2 muleni to do N. The fotko/ing 'niemulim hat be docurnentm et
aea Ediounerebernshlp Be.
• Genera niem
• Menes personal er other bte.ness bant numa/als,
• Nemnd.
D Binenesses scaraerg thlre-pertid Macka Randi management mutt mene a tutralcation mune lo ba kopt on 51e
Is Gneg the teaven bi mente tnt netionshIp This Beck-Mon Modne
dart' heban 21e reohandla bean« Ne Brance dimt aen te ter0
Perteheles Mote mede we bang demeliee. Al dalen nt ombrnetitallal. '
ag. Cushener Due Demme dett()) Pnaille. eierel contractind agrementa a
bang el the budneste' *anta e* mue be sant wiei me tustifumon Marna.
ne Brance Manager hal sunne the abonent% tO the Mal fl i of
nu agemani for rovrew and oppmynt
• Chariteede Csganaatans. Not for Profes and reigious Organizadore OMN te kiloene .nfonnidan era ~mit u me ~Non* al pbk* ol
• RINgiain Organi:4mm Business form Mam on esy
. Oram making ano giving senAces • ~Se and obuctm od NN NIM«
- Cym an! Som' Cvgaruiteore • Orgenriatm Mare
• The dem and malvnteer Oase
• Funcang ind dobla eman: muna
• tYw sonett...toti
• ~laban olm atol odlana GrOmn
I runa reyeama twii Chera mee od ths promet‚ and deteimined tat thh, ta not • high est business and the IKON" oponng femnt mw
q ACINOved
q (»led (Rezed*
q Approired subjael b:
Bomom Manela" li in Owo. a.grelute Dat.
This "amant pro% was detarioed ba Be Nal <d i legh rlsk business NO Ne amant opondrg femnt wasi
D ~ved
D Naw (Re.)
D Rafl lo t* ~kat Manager of BSA CoriManco Department fot guidance
D Aopeovs aibpct to:
Summ hanne' NamnOlco• s Charon Sirat"
NNAS-2461-0207R
CONFIDENTIAL SDNYGMOOO12886
CONFIDENTIAL FirstBankPROOOO49
EFTA_00123529
EFTA01268733

1 First Bank
Together we are one
OBSERVATIONS AT PLACE OF BUSINESS
I Account TIM Arcot/ Number(s)
J Egilltelti Virgin Wands Foundation IOC
VISIT
Date Tine Time Spent Visit Coaled Name
Address Visited Locebon Typo
O Primary OIRee
O Secondary LOCSOCel (Meth 0110eMstishoutelete.)
TYPE OF BUSINESS
O Rumness Accoodru Thrd-Party Checks O Home Steed Fluent= 1 O Pansenst Irreeserient Company
O Cer,B0StoRlane Dealesisp O Importtspol O Stock Brokerage
O Electronic ryonciesele) O Internet Bounsss 0 TtlecommuniesiovPheneCarditrbon• Cans
O Fn's-opal 1-srliuticn O Investment Manepentent Company O Travel Army
O Gam pirogarning l>20% of badness O Jimmy ten:Mesh O Used Cie Sales
ectety, O Moray 1 la ..,nil O Other
O Gas Striors O Nor-Bark Financial instArdion I
VISIT DESCRIPTION
Estimable Square f matligei' Pace occupied - TYPO OF Space:
O Conned O Sublet
O Renbrd O Concession
' O Felneeduasa office Suite O NcrsCcourercat
(with e share hoary) ilinme-iiparenenli
Number or Employees on Preumee
Describe Customer Traffic (or activity observed during wait):
Inventory Visible? O Yes LI No
II Yes. desate 'inventory:
Descnb• business main suppliers and customers base:
O Suppidn,
CI Customer Bose
business paid?
O co * C m as o h t s O O a Wh n en . Dotage:
ohoain a description of the customer's peinury trade area describe the proximity 0 the of the Wetmore Psitnwit Bede tree in ration*, IN Bank
branch where the account Is domicile.
If the business is no keeled n phi markelpleus (I e. Customer byes n Ponca are open an accost In HMO Rey Ebancb) the Bent °Mos opening the eccoont
Mall eXiated the nano Or conning Be account at Stench. and Any BO exptanatico makes business sense
WIN: twee 0 nownstionel Transactions ere expecwdt
j O Wire Transfer O ACM 00ther. I
teltd-241034107P Peceld2
CONFIDENTIAFIFLM BB,kp S0NY_GM_0001 2887
CONFIDENTIAL
EFTA_00123530
EFTA01268734

... .,
elsein alealdn= lai
G A N T o O r e n r s . m m n t o e u f e s t n O t o e n D s O , M 5 / 0 0 • 5 0 2 — 5. 0 1 0 0 0 O D E 5 l 2 w 1 5 1 .0 . i 0 2 r 1 0 [ - ' Mo O .= 21 - O 50 a $5 0 P Q 3 i . k 0 5 r 0 " 0 1 5 o o r r m m o o r r e e i A T T O r o m u a ' l , n s < a r 1 a u 0 c C t t r I - o s n D s D : m y 5 0 a - 5 0 25 - . 1 00 0 0 O O 0 1 1 2 W 6 1 . - 0 e 3 0 e 1 0 k y - 5 600 a .02 2 0 1 - O 50 O $ 5 0 M O 60 o 0 5 1 i 0 " a « r m m o or t o s ~
~bles
O a
O O
a
q O
O o
O
I D f o ye e s t , t o it m e b m u e s i N ne in ss a & ha o v f e A p T r M in * t n ir l a y l m l ta us u a m A T k il u s a K " N U « S ø s & t t P he s ~ O s ~ is y u ? O q ms Y r e e s p s o q f ar N s o & asousea.
Naua. total sals* of II& business?
Ne Us bu nen operation?
Dus be the ulma anticipatsd volum of eurrencyt
Oki your observations unte tun your expeetations fp Utis tue of bushen* No
Erprain:
Odler r svant observstions or Information:
c.wcw,ionsicornmens •
ADD(TIONAL INFORMATION FOR GAS STATION1 S) ONLY
dunt Calvinisme Stor*: O ta O No
ToW Nambisr agas
Stiroon(s): If fal or nou describe bølem:
TUN Mynter of gastane pumps):
Ou StitIon(.) business roa Corwitme Store ammes Mn
O ISsqussi spy or en rapat of ges veke* ri)410,14•/: teCSOSIC LOWSiy (PR: Letbs, Pep 3) ['Ses O Na
If Us ul« ukens O Dm), D weary
Ut/LESS PIKKE D BELG'', i PERSaNal I Y PHYSICALLY CONDUCTED THE ABOVE OESCRIIIED PLACE OP BUSINESS I.S OM DIE INFORMATION
PROVIOEDIS AN ACCURATED AND COMPLETE REPRESENTATION CF MY OBSERVATION AT THE ~CAL VISIT
el Ths setlane Band Bunns or • protessicrai senrices cruparty Nø veobs. &samling. tex prepanstion Avd uroa savIces2 No physal valt
was medela.
Na malens' isdsessubss has toen withheld tan IN, rep" Arry mareprcasentsbas of inlarrnaMon aua begnura for correelin &Mon. ~SN, Wil$41
FIRST BANK OFFICE (5~ end Stark0)
sesMS-24.S.02071t "is ten
G ON-FIDENTIAL SDNY_GM_00012888
CONFIDENTIAL FirstBankPR000051
EFTA _001 2353 I
EFTA01268735

aiidatc Business Entity ResultsL., Page I of 1
V ti
RESULTS SUMMARY
OFAC CHECK: PASSED
ID CHECK: OVERRIDE
EIN: PA
Input EIN
NAME MATCH: PASSED
Input Name: 3 Epstein Virgin Islands Foundation Inc
ADDRESS MATCH: FAILED
Input Address: 6100 Red Hook Quarters Suite 83 St Thomas VI 00802
Dif. Info: 6100 RED HOOK QTRS 83 ST THOMAS VI 00802
Dif. Info: ST THOMAS VI
Alternative Verifications
PHONE MATCH:
Input Phone: No verification data given
Additional Actions taken:
• Note - Please confirm the SIN.
Override Comments:
On 02/21/08 at 03:14:30 Madelin Colon Added: Cleared - Other Address verified and was
noted that the difference is that all the words was spelled out.
Account Status: OPENED i
Erloglisisiase • Oen
brIps://production.penleyinc.com4enley/secureMIEReportDetail.do?mocle=print&oid-45... 2/21'2008
CONFIDENTIAL SDNY_GM_00012889
CONFIDENTIAL FirstBankPRO00052
EFTA_00 I 23532
EFTA01268736

ChexSystems Page 1 of 1
cherSyszerer
Consumer intonation (AS Captured)
I Epstein Virgin Islands Foundation Inc EIN: 660585379
6100 Red Hook Quarters Suite B3
St Thomas VI 00802
Phone:
Country of Citizenship:
Please Call
Reference DAM
Transaction Traci6ng ID:
Chadysleins-
NI services ere provided ay ChevSYStiens.. Inc., is whory-ortned
Pean Trod by d subsidiary of arunds Corporstioa.
cfuns
print This Peas - Oka
haps://production.penleyinc.com/penley/secureichexSystemsReportDetail.do?oid-450123... 2/21/2008
CONFIDENTIAL SDNY_GM_0001 2890
CONFIDENTIAL FirstBankPR000053
EFTA_00123533
EFTA01268737

ChexSystems
Page I of 2
SI
E•FlJNDS'
Verification Checks QueliPile0 Response
> ID Verification
Business Consumer Information (As Captured)
> OFAC Only Check
5511
> New AccountChex DO
> Business (NAC) DLI
DI. STATE:
Batch Checks
Moon
> ID Verification Cou p: US
Business
> OFAC
Account Anklet:
> Fineen 314(a)
Reporting Action: REVIEW
> Verification Reports
Recommended Actions:
> Batch Upload Report
> OFAC Only Report
Product Offer
> Fifteen 314(x) Report
> New AccountChex Product Limits A.P.R.
> Custom Reports
Help & Training
Logout Fraudinnders“ Detail
CELLULAR PH*
Identification Information
SSN Validation: BECAME AVAILABLE FOR ISSUANCE IN 1974 IN NY SSNO
CherIntems NINNY
Previous Inquiries: 02 Orel/ems intedrias by 02 Fl(s)
Closures:
No closure hiStOry found for MIS consume.
Reference Ostia
Debit Bureau RefI :
Transaction Tracking ID:
' JIM& kyr Cl
https://procluctionspenleyinc.comipenleyisecurekhexSysterns.doThrstNamendartentasn—..
I I/142007
CONFIDENTIAL SDNY_GM_000121391
CONFIDENTIAL FirstBankPRO000S4
EFTA_00123534
EFTA01268738

.10 Verification Results rage i on
ID Verification R
RESULTS SUMMARY
OFAC CHECK: PASSED
ID CHECK: OVERRIDE
SSN: PASSED
ISSu00 or. 1975 in New Seek.
Input SSN
L
NAME MATCH: PASSED
Input Name: darren indyke
r
1. 1 .
DATE OF suagissii
Input Date of
Alternative Verifications
HOME PHONE MA • RIFY
Input H
DK. In
LICENSE MATCH:
Input License Number: No Verification Data Given
DECEASED: NO
Account Status: Not Opened
Override Comments:
On 11/14/07 at 06:50:17 Ursula McNeil Added: Cleared - Obvious Address Mismatch mr.
indyke lived in nj prior to coming to STT,
Print Thls Pass -
PviAk. Vigo 41,
httpsiliproduction.penleyinc.00m/penley.isecuregastWatchlleporlDetaiLdemodeprinak... 11/14/2007
CONFIDENTIAL S0NY_GM_0001 2892
FirMBankPR000055
CONFIDENTIAL
EFTA_00123535
EFTA01268739

moceRNAL REVENUE SERVICE
P. 0. BOX 2508 DHPARTNENT OF TEE TREASURY
CINC/NNATI, OH 45201 ION
Date: 40Y MIR
J BPSTEIN VIRGIN ISLANDS FOUNDATION
INC
6100 RED HOOK QUARTER STE 8-3
ST THOMAS, VI 00802
December 31
Addendum Applies:
No
Dear Applicant:
Based on information supplied, and assuming your operations will be as
stated in your application for recognition of exemption, we have determined you
are exempt from Federal income tax under section 501(a) of the Internal
Revenue Code as an organization described in section 501(0)(3).
We have further determined that, as indicated in your application, you
are a private foundation within the meaning of section 509(a) of the Code. In
this letter we are not determining whether you are an operating foundation as
defined in section 4942(j)(3).
If your sources of support, or your purposes, character, or method of
operation change, please let us know so we can consider the effect of the
change on your exempt status and foundation status. In the case of an amend-
ment to your organizational document or bylaws, please send us a copy of the
amended document or bylaws. Also, you should inform us of all changes in your
name or address.
As of January 1, 1984, you are liable for taxes under the Federal
Insurance Contributions Act (social security taxes) on remuneration of $100
or more you pay to each of your employees during a calendar year. You are
not liable for the tax imposed under the Federal Unemployment Tax Act (FUTA).
However, since you are a private foundation, you are subject to excise taxes
under chapter 42 of the Code. You also may be subject to other Federal excise
taxes. If you have any questions about excise, employment, or other Federal
taxes, please let us know.
Donors may deduct contributions to you as provided in section 170 of the
Code. Requests, legacies, devises, transfers, or gifts to you or for your use
are deductible for Federal estate and gift tax purposes if they meet the
applicable provisions of sections 2055, 2106, and 2522 of the Code.
Contribution deductions are allowable to donors only to the extent that
their contributions are gifts, with no consideration received. Ticket pur-
chases and similar payments in conjunction with fundraising events may not
necessarily qualify as deductible contributions, depending on the circum-
Latter 1076 iDO/C0)
CONFIDENTIAL SDNY_GM_00012893
CONFIDENTIAL FirstBankPRO00058
EFTA (()123536
EFTA01268740

J EPSTEIN VIRGIN ISLANDS FOUNDATION
stances. See Revenue Ruling 67-246, published in Cumulative Bulletin 1967-2,
on page 104, which sets forth guidelines regarding the deductibility, as chari-
table contributions, of payments made by taxpayers for admission to or other
participation in fundraising activities for charity.
You are required to file Form 990-PF, Return of Private Foundation or
Section 4947(a)(1) Trust Treated as a Private Foundation. Form 990-PP must be
filed by the 15th day of the fifth month after the end of your annual account-
ing period. A penalty of $20 a day is charged when a return is filed late,
unless there is reasonable cause for the delay. However, the maximum penalty
charged cannot exceed $10,000 or S percent of your gross receipts for the year,
whichever is less. For organizations with gross receipts exceeding 51,000,000
in any year, the penalty is $100 per day per return, unless there is reasonable
cause for the delay. The maximum penalty for an organization with gross
receipts exceeding $1,000,000 shall not exceed $50,000. This penalty may also
be charged if a return is not complete, so please be sure your return is
complete before you filo it.
You are not required to file Federal income tax returns unless you are
subject to the tax on unrelated business income under section 511 of the Code.
If you are subject to this tax, you must file an income tax return on Form
990-T, Exempt Organization Business Income Tax Return. In this letter we
are not determining whether any of your present or proposed activities are
unrelated trade or business as defined in section 513 of the Code.
You are required to make certain returns available for public inspection
for three years after the later of the due date of the return or the date the
return is filed. The returns required to be made available for public
inspection are Form 990-PF, Return of Private Foundation or Section 4947(a)(1)
Nonexempt Charitable Truitt Treated as a Private Foundation, and Form 4720,
Return of Certain Excise Taxes on Charities and Other Persons Under Chapters 41
and 42 of the Internal Revenue Code. You are also required to make available
for public inspection your exemption application, any supporting documents, and
your exemption letter. Copies of these documents must be provided to any
individual upon written or in person request without charge other than
reasonable fees for copying and postage. You may fulfill this requirement by
placing these documents on the Internet. Penalties may be imposed for failure
to comply with these requirements. Additional information is available in
Publication 557, Tax-Exempt Status for Your Organization, or you may call our
toll free number shown above.
You need an employer identification number even if you have no employees.
If an employer identification number was not entered on your application, a
number will be assigned to you and you will be advised of it. Please use that
number on all returns you file and in all correspondence with the internal
Revenue Service.
This determination is based on evidence that your funds ere dedicated
to the purposes listed in section 501(c)(3) of the Code. To assure your
continued exemption, you should maintain records to show that funds are
expended only for those purposes. If you distribute funds to other
Letter 1076 (DO/CS)
CONFIDENTIAL SDNY_GM_0001 2894
CONFIDENTIAL FerstBankPR000057
EFTA 00123537
EFTA01268741

J EPSTEIN VIRGIN ISLANDS 70MATION
organizations, your records should show whether they are exempt under
section S01(c)(3). In cases where the recipient organization is not exempt
under section 601(c)( 3), there should be evidence that the funds will remain
dedicated to the required purposes and that they will be used for those
purposes by the recipient.
If we have indicated in the heading of this letter that an addendum
applies, the addendum enclosed is an integral part of this letter.
Because this letter could help resolve any questions about your exempt
status and foundation status, you should keep it in your permanent records.
If you have any questions, please contact the person whose name and
telephone number are shown in the heading of this letter.
Sincerely yours,
ta-un
Steven T. Miller
Director. Exempt Organizations
Letter 1076 (DO/CG)
CONFIDENTIAL SDNY_GM_00012895
CONFIDENTIAL FirstBankPR000058
EFTA ((1123538
EFTA01268742

02 /87/2e133 1B:33 3415- 7 74-2ersu
attrtifirat, ef iffenistratinn nf Wrabe min;
In enterdame 'nth Tina 11, Chap. 21, V.I. Code
zeCt I VED
•."/V. OFF' CE
ii^t
åkrei ;ea Jaen t
.:::einito in virgin /elands INSUldkatiOn, Inc.
T111319 TO tannt Tan
a esporation. the pdadisai d in d et b losebill et 61 00.2.e moioe. Quarter
Suit,- n-3, ST. Thomas, Virgin Xelan de, 00802
la doing Cr lannsta m du beds la the Virile bleats at ten netted states; third Ole boatman le
known or In te be tan by Ss deelgalition. inns et MPS of
attlant150 EDUCATION
tint red bunnsus i. !s a ss a 61 00 Red Book Quarter, Suite 13-3 at. Thomas, VI 00502-
aka that teat kind of balms, te be Nadir Ski a la
Sane at lone. PhillattkhrOPY 4
3. Epstein Virgin Islands teundation,Inc.
IN WITHIN:It wuntRor, the odd
~atom
bey te these [nelson alined Its earporebe sea at exceed the an. te ba ~al ad tielaind-
vice Presides!
edged hl-la
end oaoristipfX r tlY e1V " Charlotte Amalie
It
to the state (district/ of YkTBItila.ZIBMWA an et March na.39.03
Z. Epstein Virgin' Islands Foundation, tric:
tedestaatelles
Sclutastrkegranst
set
Cs We tie 4, Art toy we march Fun 2 n .banue ma
scan Bignsrsthatbaely litua undosigned otneer, perassally
a—_ Paul ROZZemen who seknowledged ~It to be Ute ware; Frenenot or
J. Epstein Virgin Islands Foundation, inc. • rorporatIon, and that he as much
Vin. President brae eutharlind so In do, executed the forotsint
Imetnoneot for the purpose therein contained by dyed« the name ot time ~ration by hiM3141 at
vice vremident
IN Wflfl ~ter. I besuuto set my hand and °Metal stud.
. rr.4. P.
.. . «fii~
Candid latiastaky,13•Waeakf
HoSIT~einioolanUIP-027411
~ma inn~Noteabr 21.20,1
CONFIDE NTIAFslLaT,IRK0I000SD5N9Y_GM_0001 2896
CONFIDENTIAL
EFTA_00123539
EFTA01268743

CARMEN HUGGINS
From: ARIANE JOSEPH-LEWIS
Sent Tuesday. January 07. 2003 11 46 AM
To: DELOIS DONOVAN
Cc: CARMEN HUGGINS: ESPERANZA PICKERING; VEDICA BALKARRAN; CHARLENE
BRATHWAITE
Setif.= Change to Account Ti
minsimit
to PR Branch Ops. to amend the account dile for the following account
J Epstein Virgin Islands Foundation. Inc.
The customer has submitted a Cenificate of Registration of Trade Names under the foNovAng title.
J Epstein Virgin lands Foundation. Inc.
Va Enhanced Education
Al checks will be made payable to the trade name "Enhanced Education' only. A copy of the certificate is being delivered
to the Red Hook Branch today.
Thanks and regards. Mane
CONFIDENTIAL SDNY_GM_0001 2897
CONFIDENTIAL FirstBankPRO00060
EFTA 00123540
EFTA01268744

1 First Bank S tiP ER CED IN P
Corporate Resolution
yaps lt:OrICIS
I. the undersigned Secretary, hereby certify to FirstBaS that at a meeting a Bore of -resiebeeteeileGOUGMQV
--C u t -Air n \ S c(I.Cdt rI \\ Ca' '' i eNC—. (Corporation')
a corporation organized and toasting under the laws of U.S. Won Islands
duly called and duly held on the 15 day of June . 31:40 the foilowing Resolutions sem duly *ROW, and that the
said Resolutions have been entered upon the regular minute tons of the Corporation, are in axon:k m vAth the By-Laws and are now intuit
force and effect.
RESOLVED:
The Officers of Corporation, or any one or more of them. are hereby authorized to open a bank account or accounts from time to time with.
FostBank and its subsidiaries and ;dilutes (each being hereinafter referred to as 'Boni) for and in the name of Corporation with such tire
or titles es he a they may designate.
2. The Parade:a,
orswate ay foe; awns) sueeimre of moss. Boakincor.e)
of Corporation. signing ski*
der puma* ei wove Cant Iraklion& spy. any NO. Kai
and their successors and any other person hereinafter authatiod by any means to sign On behalf of Corporation ('Authorized Person(s)')
are hereby authorized to tWgn, by hand or by facsimile (int:Wing, but rid limited to, computer generated) signature(s), checks. drafts.
acceptances and other Moments (hereinafter each cOReCtmsly referred to as 'genito)'). Notwithstanding the above, any Authorized
Person is authorized singly to: (1) inmate Automated Clearing House (ACM') debits without a signature: (2) innate payments by use of
Depository Transfer Creeks (DTC) wrthcut a signature other than the name of Ca-wagon printed on the DM; or (3) cave instructions. by
means other than the signing of an Item, with respect to any account transactor', 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 a property at any time held by
Bark for account of Corporation e! nstructione).
3 Bank is hereby authorized to honor and pay Items whether signed by hand or by facskride (including. but not Whited to. computer
generated) spnature(s) if the actual or purported facidefee signahres(s). regardless of how or by whom affixed. resembles the specimens
filed with Bank by Corporation and other orders. DTCs. AGMs. and Inst uctions. given singly by any Authorized Person. Bank is further
authonzed to honor and pay DTCs. AGMs, Instructions, and other orders even Stich by any AuthOriaed Priori. including Web as may
bring about or increase an overdraft and such as may be payable to or for the benefit of any Authorized Person a other Officer or
employee nctividually, without nosily 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 oeposit. for creel, or for collecton. or otherwise, Items endorsed by any person or by Stamp or
other impression in the name of Corporation without inquiry as to the drcuratances of the endorsement or arty lack of enddeement or the
disposition of the proceeds.
5. The President
Wan. by Too celontit await*, wow vers. Assam. *. era. Prerlowe Noe Prolidere Velma ale.)
of Corporation. seeming singly
inoortorow Hots. at oseloneKnotog- TV/. wawa se)
are hereby authorized to effect loans and advances and obtain creeko at any time for Corporation from Bonk (and garatee on behalf of
Corporation the obligations d others to Bank), secured or unsecured, and for such loans and advances and credit and guarantees to
make, execute and deliver promissory notes and other writer obligators or evidence of indebtedness of Corporation, applications for
letters of credS, instnrnents of guarantee and indemnity and any agreements or undertakings, general or vest, with respect to any of
the foregoing, and as security for the payment of loans, advances, indebtedness, guarantees end liatilies of, or credit given to.
Corporation or others to pledge. hypothecate, mortgage. assign. transfer. grant liens and security sairests in. give rights with respect to.
endorse and deliver property of any description. real or personal, and any interest therein and ev4ence of any thereof at any time held by
Corporation. and to execute mortgages. deeds of truss security agreements. :nstruments of transfer. assignment or piettige, powers of
attorney and other agreemonts or instruments which may be necessary or desirable n connection therewth and also to see to, or discount
with Bank. commercial Parer, bras receivable, accounts receivable, stocks, bonds or any other securities or property at any time held by
Corporation. and to that end to endorse, assign. transfer and delver the same: to execute and delver x'istisinente or agreements of
subordnation and assignment satisfactory to Bank and also to give any orders or consents for the defiverY. sale. exchange or other
disposition of any property or interest therein or evidence thereof belonging to Corporation and at any time in the hares of Bank. whether
as collateral or otherwise: and to execute and deliver such other agreements: instruments and documents and to do such other acts and
things as may be necessary cr desirable or required by Bank In connection with any of the foregoing and Bank is hereby autn002034 to
honor. accept and execute any of the transactions described above.
8 NI loans, discounts and advances heretofore obtained on behalf of Corporation and all notes and other obfgations or evidences thereof of
Corporation held by Bank are hereby approved. ratified, and confirmed.
7 Corporation does hereby give to Bank a continuing ten for the amount of any and ell liabilities and obligations of Corporation to Bank and
claims of every nature and description of Bank against Corporation. whether now testing or hereafter incurred. originally contracted with
Bank and/or with another or others and now or hereafter owing to or acquired n any matter by Bank: whether contracted by Corporation
alone or jointly and/or severally with another or others. absolute a cant:Nem secured or unsecured, matured or unwellred upon any and
all moneys, &goalies and any and all other property of Corporation and the proceeds thereof, now or hereafter actually or cionsmictively
held or received by or in transit in any 'cotter to or from Bank, its correspondents or agents from or for Corporation. whether for
safekeeping, custody, pledge, transmission, collection or othannee coning into the possession of Bank in any way Bank snail also have a
right of set-off for the amount of the obligations, and Bank may at any time or ernes and without notice apply Corporation's deposits
(genera! or special), Corporation's credits vnth Bank, or Corporation's claims against Bank or any parts thereof, to such obligations and in
such amounts as Bank may elect although said obligations may be conbrgent or Leirnatural and whether any CiOainorni therefore is
deemed adequate or not.
8 In case of correicting claims or disputes. or doubt on Bank's part as to the vattrity extent,rnodificaten, revocation or exercise of any of the
authorities herein contained Bark may but need not recognize nor give any effect to any notice from any Office. or from any other person.
purporting to cancel. restrict or change any of said authontres, or the exercise thereof, unless Bar:( es required to do so by the ;udgment.
decree or order of a court having jurLsdicton of the subject matter and of the cedes to such conflicting claims or disputes.
Ansarni won wee: is a Curse, or Filer& Pcrot 16,02
vat 2211440ot
CONFIDENTIAL SONY_GM_0001 2898
FiratBankPR000061
CONFIDENTIAL
EFTA_00123541
EFTA01268745

0. Corporatico agrees to be bound by the Terms and Conditions for Business Accounts and Sonoces, as wed as any signature card. deposit
tiCket. CrieCkbOOS. passoock. statement of 8CCOUrd receipt instnonere. document Or other agreements. such as, but not Cited to, funds
transfer agreements, delivered or made available to Corporation from Bank and by all rotate posted at the office of Bank at which the
aCCOunt Cf Corporation a Maintained, in each Cede with the same effect as if each and every term thereof were set forth m Ail been and
made a part hereof.
10. The Officers of Corporation or any one or more of then ere hereby authcved to act for Corporation in an other matters and transactions
relating to any of its business with Bank including, but not irotod to. the execution and delivery of any agreements or contracts necessary
to effect the foregoing Resolutions.
I t. Bank is hereby released from any liability and shall be ,ndemnified against any loss, liability or expense arising from honoring any of these
Resolutions.
12. Subject to paragraph 8 above. each of the foregoing Resolutions and the authonty thereby conferred shire remain in full force and effect
until written notice of revocation or mod cation by presentation of new Corporate Resolubcas and signature cards snail be received by
Bank; provided that Such Khoo shall not be effective with respect to any exercise of said authorities until Bank shall hive NW a reasonable
oppodunly to act thereon and in no event p6ort0 the receipt thereof nor with respect to any Checks Or other instruments, fOt the payment
of money or the withdrawal of funds dated on or prior to the date of such notice, but presented to Bank after the receipt of such notice. The
Secretary or any Assistant Secretary or any other Officer of Corporation is hereby authorized and directed to certify, under the seal of
Corporation or not, but with like effect n the latter case. to Bank the foregoing Resolutions, the names of the Offsets and other
representatives of Corporation and any changes from time to time In the Said Officers and representatives and specimens of the.;
respective signatures Bank may conclusively assume that persons at any time cendled to it to be Officers or other representatives of
Corporation continue as such until receipt by Bank of written notice to the contney.
I FURTHER CERTIFY that the persons herein designated es Officers of Corporation have been duly elected to and now hold the offices in
Corporation eel opposite their respective names and that the (plowing are the authentic. official signatures of the said respective Officers and of
the named s4natories who are not Corporate Officers. to wit:
Name (Typewritten or Printed( 012t
Darren Inchdte President
\ice President
g5
Ammer Brennan Secretary t.e..eLefait
Jeanne Brennan Treasurer
IN WITNESS WHEREOF, I have hereunto set my hand as Secretary and adored the seal of the said Comoratlen tllie Ott of
etietve .
• Attest (Second
.-51 *N3,7AA o LAt e
Sgreture
SUPLiraiiNG
AfiFiX
tCCRPORATE SEAL;
KERB
• Mott In case the Secretary is authorized to sign by the above Reset:dent this certficate should De attested by a Officer or
Corporation
ONFIDENTI6L0000S6O2NY_GM_0001 2899
CONFIDENTIAL
EFTA 00123542
EFTA01268746

GOVERNMENT OF
THE VIRGIN ISLANDS OF THE UNITED STATES
Charlotte Amalie, St. Thomas, VI. 00802
OFFICE OF Koagens Gade No. 18
TKE LIELTTENANT GOVERNOR Charlotte Amalie. Sr. Thomas
Division of Corporation & Trademarks
April 5, 2005
CERTIFICATION OF GOOD STANDING
This is to certify that the corporation J. EPSTEIN VIRGIN
ISLANDS FOUNDATION, INC. filed Articles of Incorporation in the
Office of the Lieutenant Governor on June 15, 2000 and that a Certificate of
Incorporation was issued by the Lieutenant Governor on July 14, 2000
authorizing the said corporation to conduct business in the Virgin Islands
and the corporation is considered to be in good standing.
Jaa
Elmo D. Roebuck, Jr.
Director, Division of Corporation
and Trademark
CONFIDENTI ABL R0000S6DN3Y _GM_0001 2900
Frrst
CONFIDENTIAL
EFTA 00123543
EFTA01268747

rna.a. riArrmm. resat. ettez
DEPARTMENT OF THE TREASU.. DATE OF THIS Ni. E: 07-13-2000
HUMBER OF THIS NtaICE: CP 575
ENPL DER:
S AT:
JEPSTEINVIRGINISLMOSFOUNDATION
OR WRITE TO THE ADDRESS
MOM SHOWN AT THE TOP LEFT.
IF YOU WRITE. ATTACH THE
STUB OF THIS NOTICE.
NE ASSIGNED YOU AN EMPLOYER IDENTIFICATION NUMBER (EIN)
Thank you for your Tele-TIN phone call. Ws assigned you Employer Identification
Number (EIN) 66-0585179. This FIN will identify your business account, tux returns,
and documents, oven if you have no employees. Please keep this notice in your
permanent records.
Use your complete naao and EIN as shown above on all federal tax forms, payments,
and related . If you use any variation in your name or EIN, it say
cause a delay in processing, incorrect information in your account, or cause you to be
aligned more than one EIN.
If you want to apply to receive a ruling or a determination letter recognizing
Your organization es tax exempt, and have not already done so, you should file Fora
1023/1024, Application for Recognition of Exemption, with the IRS Ohio Key Dixtrict
Office. Publication 557, Tax Exempt Status for Your Organization, is available at
most IRS offices and has details on how you can apply .
If you haven't already completed Form SS-4. Application for Employer
Identification Number, we need you to do it now so your account record will be
complete. You can get Form SS-4 et your local IRS office or by calling 1-800-TAX-FORM
(1-800-829-1676). After you complete the Form 55-4, sign and date it and write your
new EIN, 66-0585379, in the upper right hand corner. Please return it to us with the
bottom part of this notice by 07-28-2000. We've enclosod an envelop. for your
convenience. .
Thank you for your cooperation.
Keep this part for your records. CP 575 K (Rev. 1-1
Return this part with any cr rrrrr ondonco
so we may identify your account. Please K
correct any errors in your name or address.
Your Telephone Number. Best Tima to Call DATE OF THIS NOTICE: 07-13-2000
EMPLOYER IDENTIFICATION NUMBER:
FORM: 55-4 (TELE-TIN)
INTERNAL REVENUE SERVICE
PHILADELPHIA PA 19255 4 EPSTEIN VIRGIN ISLANDS FOUNDATION
X PAUL HOFFMAN
PO BOX 870
ST THOMAS VI 00804
CONFIDENTIA SDNY_GM_00012901
FirstBankL
CONFIDENTIAL PRO00064
EFTA 00123544
EFTA01268748

GOVERNMENT OF
THE VIRGIN ISLANDS OF THE UNITED STATES
CHARLOTTE ANIAU E. ST. T14OMAS C 514-2000
L. the undersigned. LIEUTENANT GOVERNOR. do hereby certify that
of the Virgin Islands filed in my mice on Jun. 74- anon as provided
for by law. Articles of Incorporation, duly acknowledged:
WHEREFORE the persons named in the said Articles. and who have
signed the same. and their successors. are hereby declared to be from the
date aforesaid. a corporation by the name and for the purposes set forth in
said Articles. with the right of succession as therein stated.
Witness my hand and the Seal of the Government
of the Virgin Islands of the United States. at Char-
14th day
lotte Amalie. St. Thomas. this of
July, A.D. 2000
.Cr the Virgin itiar.::3
CONFIDENTIAL SDNY_GM_00012902
CONFIDENTIAL FirstBankPRO00065
EFTA _00123545
EFTA01268749

GOVERNMENT OF
THE VIRGIN ISLANDS OF THE UNITED STATES
CHARLOTTE AMALIE. ST. THOMAS C-574-7900
( are All Irk Mint aAi:sr ifs:ends filial! Tann: )
I, the undersigned. LIEUTENANT GOVERNOR. do hereby certify that
J. EPSIT/N VIRGIN ISLANDS FOUNDATION, INC.
tone is 7nnn
of the Virgin Islands filed in my office on as provided
for by law. Articles of Incorporation, duly acknowledged:
WHEREFORE the persons named in the said Articles. and who have
signed the same. and their successors, are hereby declared to be, from the
date aforesaid. a corporation by the name and for the purposes set forth in
said Articles. with the right of succession as therein stated.
Witness my hand and the Seal of the Government
of the Virgin Islands of the United States, at Char-
14th
lotte Amalie. St Thomas. this day of
July, A.D. 2000
CONFIDENTI ABL R0000S6DN6Y _GM_00012903
Frst
CONFIDENTIAL
EFTA _001.23546
EFTA01268750