EFTA01268751.pdf

iccount tor Nos. Pao I Da
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MOM:
kddream 6100 Red Hook Quarter 83 St. Thomas MOM
Nom JEFFR e AA.,„ SSN:
ID Type: USV I /DL
SNoSVN-4: 1111
Name: DARRERIND
ID T US Passport
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Name: SELLER 4 /&. S ID S T N W : ONY/DL
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Prepared by. U,MCNEIL
Authorized .
"MUM wet Sept Rees Out
IGO. LLC %en.' t oi fosios
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Address: 6100 Red Nook Quarter 83 St. Thomas wont
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Name: JEF EPSTEIN SSN:
ID Type: usv x lin
No: T-4200411933
::NTa:m)texilA::jma N_D SSN
ID Type: : US passport
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Name: Y SELLER SSN:
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Name: SSN:
ID Type:
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Prepared by: U.MCNEIL
Authorbed byacipciN
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CONFIDENTIAL SDNY_GM_0001 2904
CONFIDENTIAL FrstRankPR000067
EFTA 00123547
EFTA01268751

CERTIFICATION OF BENEFICIAL OWNER(S)
The infant:4ton containedI n this Certtflestbn Is sought pursuantto Section 1020.230 of Tine 31o f
the United States Code ofF ederal Regulations (31C FR 1020.230).
Person opening an account on behalf of a legal entity must provide the following Information:
1. First Name and Ono of Natural Person Opening Account 12. Last Nana I3. MIddle Initial
JEFFREY EPSTEIN
0. Name and type of Legal Entity for With the Account's Being Opened
IGO COMPANY LL C.
4a. Legal Entity Address 4b. City 4c. State 4d. ZIP/Postal Code
6100 Red Hook Quarter 83 St. Thomas USVI 00802
SECTION I
!To add& data* exaviduals. see pose 3;
P un le d a e s r e st p a r n o d v in id g e . t r h e e la f b o o llo n w sh in ip g , i o n r f o o r t m he a r t w io i n s e fo o r a a r n s n 2 e 0 e % nd o u r a m l(s o ) r , e a o a f n th y. e M eq a ui t d y i r i e n c te tl r y e o st r s i n o d ld ir i e e c t le l7 g a th l r t o e u d g d h y a lis n t y e d c o a n b t o ra v c e t . arranganent
Check hem q if no IndNIdtal meets this definition and complete Section
5. Pint Hansa 0. Last Name 17. ILL S. Date of Meth
Jeffrey Epstein 01/20/1953
8. Address 10. City 111. State 12. ZIP/Postal Code
6100 Red Hook Quarter B3 St Thomas USVI 00802
13. Country 14 SIM PS Prams ? knit& Proims) 15. I o d e e n n a d rd f s ic o a n l m lo e n m N o u mber dstienwissartkatammeweivier
USA
54538864
15a. State of Issuance: 1150. Country of Issuance: 10. Ownership %
USA i USA 100
Kat On loo are putacel miter, Nontl.S. Persons raw also pen* • Social Sectary Humor; an anon idanswesoon are number re romper
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y or intane• of any other poranananhasuad Oman avkleraing natonaidy or residence and *sic a photoption ot sen,or
SECTION II
e P G x l e e e n a c e s u r e b a v p l e P ro a d v r i i t c d n e e e r r t , h o P e r r f e s O s e t i O d t e v r n in t m , g i a n in n r f a e o g g P e r r r a e ( t e s lo . id g n . e , f n o C t r h a T ie n re f i l E a lC s x S u e V r c O e u S d t U i v a o i e r w O A in f n f I i y c k o e a r t g h , C l e a r h t i a i n e t d f i a F v j i i a n d a n u n a c l i w a h l M o re o g t f u a h la m C n h y a i n p e a f a g O i d n p g e r r o e a r a s w n im g is O i c la f m f r i c f g u e n r t . h c M e tio m a n n s a a . y gi . n in g d M u e n m n b g e , r a , n
17. First Nana 118. Last Name 19. NIL 20. Date death
Jeffrey I Epstein E I 01/20/1953
21. Address 22. City I 23. Stab 24. ZIP/Postal Code
6100 Red Hook Quarter 83 St Thomas f USVI 00802
25. Country a sss seri ats ponNows Ana.) 27. I m de u n k ti s fi p can e tn m ion e ( m Ma t AlWfortMatse or oler we*
USA
54538864
27a. State of simnel 270. Country of Issuance:
USA USA
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EPSTEIN (name person op. • certify. to the best of toy knowledge, that the
informadod provided herein Is rant. II any of the ben r mentioned information changes I agree le provide the
financial ioiftsadon written no sooner such chants. i
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CONF I D ENTI e skikLk p,0000S6O8NY_GM_00012905
CONFIDENTIAL
EFTA_00123548
EFTA01268752

LeplEntity Identifier(Optional):
NM:0.1618-0M
Pun )NS
CONFIDENTIAL SDNY_GM_00012906
CONFIDENTIAL FirstBankPRO00069
EFTA_00 123549
EFTA01268753

Additional Section 1- Second Beneficial Owner (If required)
Please provide the ftiltrMng Informationfor an eitividual(s). if any. who, dewily a increody, through any contrail arrangement
unclersidndrlp, or otherwise owns 20% a more of the equity interests of the legal entity listed above
5. First Name 1 6. Last Name 7. MJ. 8. Date of Birth
I
i
9. Address 10. City 1 ii. State 0.. ZIP/Postal Coda
I
15. klentincedon Number (SIN. Passport ntsnewcr onerseeer
14. SSN flafitesdrelitio-ta Pa*
13. Country Identlkegamented
15a. Slate of bemoan: 156. Country *User/anon It Ownatsnipx
En In ore ore passport number, Noma S. Persons may *0 poor* • Soda Security NrMar. an Oen idenciacetio arra number. amend(
and cowry of Issuance of sty other governmeneissuid document erMenchg not:me* or residence era beeng a pliCecraph or sent&
Additional Section I -Third Beneficial Owner a/rega)/WO
Please preside the fca'ovng information for an intliviclual(s), tarry. who. dirooly or Weed* through any catract arrangement.
understanding, relabonshq cr onervese owns 20% or more of the equ,ty nterests of the legal entity listed above.
6. First Marna & Last Name 7. 151. & Dated Birth
9. &Phu 10. City 11. State 12. MPfPostal Code
It Identification Number (SSN Peeoritlfumcerorolt• r sender
13. Country 14. SSN S Pelmet litrivla Perconst dentection motel
15a. State of Issuance: 156. Country of bsuance: It Ownership %
=Z. In kyr of a passport numfier. Norall.S. Persons may elan amnia' a Saco? Security MaMber. en Men idendiacatker cad ananbef. 0I numtr
and catty Off emirs* or any Od-er goventmentvissood document evidencing nebonagy or manna and hennas pnOtograph or Janis
esiegums.
Additional Section 1- Fourth Beneficial Owner (If required)
Plods. provide the following information for an ridnicluaes). deny. who, &achy or imirectly, through any contraCt arrangement.
understand . reratbristio. or oithenvise owns 20% or marod ten egtilyYear9ntdthe legal MUy feted above.
0. Finn thane & Last Name i 7. MJ. 0. Dated Birth
S. Address 110. City 11. State 12. ZIP/Pottel Cods
1& Idendfkation Minter (SSN,PessporfNurnerractherrentre
1& Country U. ESN (U.S. Pernat elonuLtS.Pencre) Identeaton numbed
15e. State of Issuance: 150. Country of issuance: 116. Ownership %
N aw of • passport ',orate( Non-U.S Persons may also provides Sour Seemly Monter an Men clentekattn card number. or number
and stunt& a ;nuance of any other cpvernmenaissued docurnetnt MidenCutg nflOOnaSty Cr red:Mena end bearing • photograph or sandier
safeguard.
NOMO-161/4)11$ Ps/ MS
CONF lD ENT IAFirMLR000S0D7NY0 12907
CONFIDENTIAL
EFTA_00123550
EFTA01268754

Additional Section 1 - Fifth Beneficial Owner (If required)
Please provide the following informabon ratan Individual(s). deny. who. drectly or hdredly. lymph any coraraCt arrangemenL
uideSendig. teebtaShiP Or Othenesetivan 20% a MOM of the equM nterints d the egel enthy Wed above.
6. First Name 6. Last Name 7. M.I. I S. DES a Birth
i
9. Address 110. City 11. State 112. ZIP/Panel Code
1. Country
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15e. State of Issuance: 150. Country of Issuance: 16. Ownership %
aSErl k a i n d d e t o a a st s y P c a i a tin w ' m n a * n o g f e a n 0 y 0 O ,-U W S . g P O e v n e e n s m * e m n a ti y o l S u a e e d p O r c o c v u id rn e e • n t g e o vi e d s e , n S ci e n w g n e e r f t f e o r n i a n g te y t a , en ra s p ee i n n e of er a te n f d ic b en e o a n n c o a ; r • d p nu e m ce b o er n . o o n r n a um U be m r *
safeguard.
Additional Section 1 -Sixth Beneficial Owner afrOpirtth
Please provne the following nrormaton fix an Individuate), early. who• COMCVYof becfrabi Through aillYcocalict ainsedernant,
understand relaticeship, cr otherVASO aerel 20% cc more of the equity insists of the legsentiy Feted above.
5. First Nene IL Last Name 7. M.L S. Date of Birth
t Address 10. City 11. Stab 12. ZIP/Postal Code
13. Country U. SSN WS. PenkneNces11.1P areen) 15. I d d e e n M ne l d ik e e nn ti u o m n e N e u d m ber (SW Red/ Nintieratowamfer
15a. State of Issuance: 150. Country of Issuance: It Ownership %
Mat m see ere passport number; 000.3. Pomona may also pen* a Soot Sew*, Nu,'ta-. an aeon NIMOSItiOn aed nurrour, or number
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Additional Section 1 - Seventh Beneficial Owner (If required)
P un le d a e s r e s t p a r n o d v n id g e . r th e e la f t o io ll n o s w h n ip g i o n r f M orm an at t i l o e n s f o o v r a e n n i n 2 d 0 i % vi d c u c a m te o ) r . e V o e f t r h t e U m u . Cl I O nt t e e r r e o s c ts b o ie f t c he tl I Y eQ . n N o e t n * tit , y e lis a t r e c d o a n b v o e v c e t Millicernont.
5. First Name 6. Last Name 7. ILL IL Date of Birth
i
9. Address 10. City 111. State 12. 2PIPostal Code
13. Country 14. SSI4 (U.S PrescaelPioneit PiStIng 15. I k d le e n n tlf t a if s i c c n a n t n io um n b N ig u mber (SW PesaceetNumeerceolgrasnilee
15a. Stated Issuance: 150. Country of Issuance: 16. Ownership %
Mg. s a In a n f d N e g c o o u v u a n a rd t s r . y P O a SS d O e O v r i t a n n u c m e b o e f r a . r N ty o W PL i I e .S r . g P ov er e s rn o e n n s e m nf a 4 y s s M ue O 0 m do a a d tw e a rt S ev m id d e i n S ci e n a g r n c a y g M ons e e t g e e r o . r a n is e A i l d e e n r i e e e k r e e n l d ca g o e lo a n d c iv an i e r m ph i o n t t o e g r r , a o p r h n o u r m ti b n e i r e r
NNt40-16194141 I
Pun Sof
CONFIDENTI AlLeapRoocSoDNmY 12908
CONFIDENTIAL
EFTA_0012355 I
EFTA01268755

1 First Bank Name and Address M ntenance Form (RM)
Branch: Waterfient-Platinum Banking
Customer Name: le0 Company LLC
q TEA 0 Al Records
Maintenance to: q The CustOrmir RelatIoneNp
q The Following Accounts: 0 Credit Cad Account Number.
Account: Account Account _
Account: Account: Account
Account Account: Amount
lasetitikes: Pitiaaficareilete cafe slew where the Manta:MON needed
missticisimiLtritE MAINTENANCE
—1
Actual Name: Jeffrey E. Epstein
New Nan
New Legal Tide:
BEINEFICIARY.0YRIERRELATION CODE AND.P ERCENTAGE OF OWNERSHIP-PIMP SCREEN
Authorized Signer who is a Beneficial Owner 0 = A-8 _%
Authonzed Signer who is a Beneficial Owner and has sgnirant responsibly 181=ACB EL"
Individual who is a Beneficial Owner ❑= BEF
Irdiviot.el who is a Beneficial :Owner and bas significant response. ay ❑= EtClf
Authorized Signer with significant responsibility for managing tre legal entity (Control Prong) O -AC
Indvidual who has significant tespcnsibility for managing tfrve legal crab/ (Control Prong) ❑nCRL
--41VaiMiltamitiotaimmtmatice
Addreeel:
Also Residential Address?
Address2: ❑Yee 0 No
City: State: Zip Cods:
Home Philp: Work Phone: Extension:
Mt Phone Cellular
Alternate Phone: Type: Phone: C Do Not Call
E-mail Address:
Do Not Em a' i
Citizen: Social Security: Birth Date:
Pdmary ID: ID Number: Gender:
Secondary ID: ID Nurn ben OffrEmplowte:
Employer:
Employes Since: Occupation:
Address:
{ City: Stet*: Zip Code
Employer Phone: Annual Gross:
Employment Statue:
MACS CODE (if ):
10•13-01O tt IIR Customer Signature • -
CONFIDENTIAL SO NY_GM_0001 2909
CONFIDENTIAL FirstBankPM000072
Erl'A_00123552
EFTA01268756

1 First Bank Waive Charge Request Form
Service Charges and Interest
Branch: WF,EEP,FDPPOS Amount Number.
Name of the Account Holder Jeffrey Epstein
Indicate and/or explain the reason and JustiDcation for the request
q Overdrawn Account Clouse
q Account for Internal Bank Use
• Banking Relationship', indicate the type of changes to wave:
• Monthly service fee and transactions
O NSF fee
E
Uncollected fee
C
Daily monkish lee
[ Managers Cheek fee
O Mona' Order Sae
• Other wire transfer fees
Explanaaon: See attached memo for account details
Prepared by:
Jeanne George
Name Date
Matto Sicinaturg gpg
Assistant Manager or Branch Manager
Richard Young
Area Manager
Anger Dawson 1-4 (9114
ECR Business Director
• In the case of Bankna Retationshps,euthorgetion Morn the Beech Menage, Regional Deena Manager and the ECR Buenas
Curator is rooting. Also outwit the acted RSABA - Customer Relaionskp to Mecum lateen and any other doarrentation to
tetanal the reused as addable.
NAINS-250.1214R
CONFIDENTIAFstLee apR00S00N0Y7_G3M_00012910
CONFIDENTIAL
EFTA_00123553
EFTA01268757

MEMO
Daje: 4/6/2016
ssU
From; Richard Young
BL 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 FirstElank. He keeps an average combined balance of over
$5.3MM with FirstBank.
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pieciourk g Busy-ass Relationship MerWeee
Market Mirage,
Wm. 11.1.1.1e Curer to 4. t v 0 Res 3Crre3.3 St 'I mum, WSv: 340477S-83r
344.71SeSSI
CONFIDENTIAL SDNY_GM_00012911
CONFIDENTIAL FirstBankPR000074
EFTA _0012 3554
EFTA01268758

Fie rat 6.170 r-rifkte-
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grisl,cd Wypnp fa,
Jeanne Brennan
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Ws-rEs fisks iz
Ite261,.
Reouts:
CONFIDENTIAL SDNY_Gm_00012912
CONFIDENTIAL FirstBankPR000075
EFTA 00123555
EFTA01268759

Totai nitarces feud
1 IP ft-Sten:LA*0;1
CONFIDENTIAL SDNY_GM_0001 2913
CONFIDENTIAL FirstBankPR000078
EFTA_001 23556
EFTA01268760

seadtg
Jeffrey E Epstein
Totd instances Exit
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Smuts:
CONFIDENTIAL SDNY
CONFIDENTIAL FirstBankPRO00077
EFTA_00123557
EFTA01268761

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SD NY_GM_00012915
CONFIDENTIAL
CONFIDENTIAL FirstBankPR000078
EFTA_00123558
EFTA01268762

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mtcren rup.m..umestooviotkitheioiceftenuoiamwovevzoticorato:_tz. zit LI.
Sm.a•• • w••••.••• . ••••=mma. •••• Rnisitd seschnq
IGO C0MPAINY, LIE
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Taal nstarces found:
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CONFIDENTIAL SD NY_GM_00012916
CONFIDENTIAL FirstBankPR000079
EFTA_00123559
EFTA01268763

FnisheA
IGO COMPAnY, it
Tee. riterces and:
tests:
CONFIDENTIAL SDNY_GM_0001 2917
CONFIDENTIAL FirstBankPR000080
EFTA 00123560
EFTA01268764

-arm* w0 a.'
AD, LLC
illaiS46 i
C CONIC d)14/A it \C
HOMe:
r sw.at 6100 Red Hook Quarter 8.3 St Thomas
. • work
Name: JEFF EPSTEIN SSN:
ID Tyros: USITI/DL
No: T-42004119.33
NameDACkle„,r.f rID
ID Type:• I l... t
IU-A-stA-
Nadir Y BELLEAR 2 EL. SSN.
NIDo T:
(..........-7
Name: SSN:
ID Type:
No:
Prepared or U.MCNEIL
Dy e
Authorized
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CONFIDENTIAL SDNY_GM_00012918
CONFIDENTIAL FirstBankPRO000411
EFTA 00123561
EFTA01268765

Client Due Diligence
Business Accounts
1 Business Information
: Account Title (-Depositor):
ii2smt Accent Number:
SSJTIN/EIN:
Physical Addrtan Mailing Address:
6100 Red Hook Quarter Suite B3 Same
S.
113:411es, US Virgin Mande
coece
eureseeldepitane a Bras Fes • 340-7754528 IMereetlabsite Address NIA
gfoonn
Unit of Busineite Holden Comma/ MACS Code Dale Established: 1228P2006
Annual Sales: 30 Mx. of Ofeceseranchos: I Nbr. of Employees: 0
Property Stakes: O Own rriit Lade Referred By O Actrenisernent El Current Cient 001her:
Dorset Person Nave a The Jeanne Brennan Contact Person Talton,*
2 Ac Count -I ype
O Sole Proprietorship O Partnership El Covocration O NonF•PR rolli O i 1.ls 0 at O Other
0 Carmen:MI ChoMing O Arrarced OC , arrneesi Su:enent S7 O CM:rnerc.al Pantom Savres
' O Commercial DSA Oechn3 O Arranged0C Cesecre Mtn I - CarenerCrie D6A Deemer, 6V O Cc...ernes Pasta Swings
, O Gemmed Csedtr; O Arranged 00 CAA 0 Correct Mat:over S7 O Dedfale of Deem
O Docolera Chewy', a 74 ClGoisyrrierd Sinned Sv C Commend/ SSA Myr/Tire SU O Deer.
3 Author rzed Signer (Complete the follinving nirotormlnir rue each aufhonzed signer.)
Authorized Signer Name: Jeffrey Epstein Financial Member
Protztcr: ConSuitard Caeca la
Physics/ (Hese) Address Personal Mailing Address:
Lime Salm James Island 6100 Red took Quarter B3
St Thorn US Virgin :stands St. Thomas US Man Wanda
%alai pVl Nnl On Of Bkm.12 1 Pea Y I Caen OtUSA
Home Sumter a s 1 if n Ntrisr. raNaa Fax Mo a turlber. i .eattleit
340-T/6-2526 , I
r SO IMMO Two& Menhir VI Drivers lion. 14203411933 klenefianon Esciraesn Owe:
01/20/09
RS OFAC p iCHEXSYSTEMS craredOYes O17, 0T a 31 wAY
SSN Response: Year 67 state: ily_ ID Response het .4-0 tstsgtraZihrs. -uat..... ,f/ .
OPLC
Xl SANK REFERENCE requested El Yee UN°. enter* ntiYI O yi4,(, es* C0LA2ert+'
Response:
Chock heft if 'here are stleftlenal signers on reveal else Of V. Cent Inlermaton Sire (FYC)BullInsmAtcrants
.:. Account Agreement Acceptance Jri0 Faxpayer Statt.t. rtilicatirir•
The .c elm c s MN me . i fey beer clesenaleel as a decomory der daposftor and Mel bee irate the elOrmalon cordoned n
ers Clint Iii,-mason Sneer (Km) art fnids t accord, on 'Ns one T613 DePeelICT her mend and arms Who Tame and Agniterneds for CanmeMal
/ewes and Rees and Fees Serrate Currdy /1r eact Was maybe amended or de 090 0acccart arts Santa 3 Him selected
Under eecaes or POW. re Deport certfies ma (f) Rs nutter van an We form is me correct Mx .dentalostket weer and (2) ere me Depositor
'is net sub0c1 to Weep vetneolaing emir tam* (e) thee rot been nabbed by the MIMI* Ponvue Serves (IRS) Mat it is sear to terneelisp as a
recut d Sure to moon al Intones Oe doter* ce(b)tre toe IPS tea notified tie Depose< mat a is rata-ice( saes to backup wasaang or wee
from been )10'03009. (3) me Depositor is a U.S. say. (Cross our subvert 2(a) if it is not But it Statement 3 le not true, cress out and cocas
an appapithts Form se-e)
The mark Revenue Senior. does not require your tensed to any provision of this document other than the CostMoseon required to avoid
hada:. wiffesokling.
Pete
10,932007 I a Member
Type: WON Amount If the ass desa a over S505,00)
O Con Maw Oiled r34/ ase Maned eau= at funds or soiree
0 Check Treaders ark t . .. ... & ., _ • r,r math. (Ream Guide for wistnetons)
Transfem tb—._.
Do you Intend lo deposit checks with Second indorsements/ . O Yes 0 NO
Do you p.oMe check casting or remitter seerices? O Yes 0 No
Cade: Nan Transactors: 00 -10 O 11- zo 0 21 - ao O Ogler:
-040-66:000--
— - Telalktictunla - — O .s.uu risme - fisislearrnowo — - ace*: --
Tape: O Case 0 Chen O Amount Tweets 0 are Treated O POS
a Payroll 0 Cam Nyasa O lamasees CMOs/Money Oren O ACH 00lher
Date No. ot Transardionto 00-10 O 11- 20 O 21 - 50 O Other.
Total Arrant (SF O 30 • 36.000 O 35,001 - 315,000 0 $15,001 - $50,000 0 Other.
—
TA*: 0 Cash 0 mums O exam Tr set 0 wits Tangiers O POS
13 Porta O DINOHNipaalt D Marnoe. Chamfers:nee alms O SCR 0 Other
•'.:.1 r.sralaix reakvi f.kr. 4 A' a'•w xttwt:
, arms 0 Yes 0162 scants Current 0 asp%) 44,}rt •
Assault The Act owe Tea:
Jelreapstain
NcirlatnststerideiaaeMarerterRamentPuwieniso CONFIDENTIAL SO NY_GM_00012919
CONFIDENTIAL FirstBankPRO00082
EFTA_00123562
EFTA01268766

,,narte: Cluton rcb1..0Oe.
First
8. Additional Au!IlOriled Signers (Complete the 'Obeht 3 ,ffiorrnation for each 3i/thawed sagner 1
' Authorized Signer Name: Darren Indykc P,dessen Mornay Carom Telt Aleoressy
Personal Mailing Address:
6100 Red Hook Quarter 83
&Thomas MI 00002 St. Thomas USVI 00802
Seas Date Of Er Place Or eitve Omen or.
New York USA
edranern Toccione Nurber. i &tame Fax eaurnbec 1 M . Meter. Final Address:
i
Vain ioemttKawn Typt & 'Otter. immectsca Examen Or.
20 US 3/10/2012
AC EXSYSTEMS caned ea No. why: it ir e
pitc SSN Reepentre: Year State: I ID Response t uzaStratitLn tille8a2.
liSANK REFERENCE requested Yes NO. MOW "MY: SaCC14d-b,10.—CS2-s:Steak—
RaSpOres:
Authorized Signer Name: Henry Beller Proketac CPA cane Tier Accountant
Physical Address: Persoral Mame
_P
Sodsl Doe a Beer Meat a Bette Clam Or
NY USA
c nese Fax Number. L Motile tenter. Ems Morns:
'MA -• lielc;t25ir
Vann Ram it:unloosen Types& I icing, moon OM
I, I- 1.1*-1 Alliptillin tn it
IZOFAC CHEXSYSTEMS called es e --E
SSP1 Response: Year I97& State: -La ID Responea nee YIN > ,y4c.1
PLC
VBANK REFERENCE requested U Yes VW, explain why: e&i Ski a a. "01:a.nreL
Response:
Authorized Signer Name: Prolessio2tr Z Cal:orate TIM
Physical (HMO Address: Personal Ma Addneit
Sosiel Seasky Nemec Date a Sum: 0lErrey Omen CC
Horne Teephom Ntrnbec Business Telpher* WKS: Wanner Mote Number. Erma Mane:
Yam in OCCIINIOn: Photo Menai:Mc° Type 1 Numter. I identacerion Steatite Dm
o
mac C CHEXSYSTEMS a 13 NO. explain why:
SSN Response: . Stater. ID Response
OPLC 0 BANK RE NCE reasserted 0 Yee 0 No. mine', why
Res •
Authorized Signer NOM: Otmtelle lie
Physical (Home) Address: Malang Address:
8cdel Swag Weer: Dee Of NM Pea a I Caen Ot
Wen Tewaces ember. Business lielepnene r Gunnels Far Nurser Voter Mater: Foal Address:
Van in ciewpaten: Photo Kleneartion T Writer I Identdcedcn Emir/Non Dm
0 CfAC rICYS eetereD en 0 No. explain why:
SSN : Year State: ID Response:
OPLC ID EFERENCE requested 0 Yee • 1:1N o. explaIn Why:
Res
ea ) Ageouel Opining
&gnaws cab remeed Cm:
9t.11 IMICeaeltqueeetvel (ffiltfterenc asico
- it/ 0 17
m
OFAC & PLC (Fraudulent Accost Cat Veined EMIV A IL Reviews.
Commems
Reason For Denying Account:
C Merchant Card Services El (*.First/Una (Internet) 0 Cash Management
nIi Crest Cue 0 First Fax D Night Depository
0 Overdraft Lin* 0 Payrol 0 Other
0 Lhe 04Cretit SONY_Ghi_0001 2920
CONFIDEN I 1AL
CONFIDENTIAL FirstBankPRO
EFTA_00123563
EFTA01268767

1FirSt Bank Limited Liability Company
Letter and Security Agreement
Virgin Islands
V 0 2/0
Date
We the urdarsigned Members. Managers. a Officers of iG0 Company. LIC
etanpany, loaded at Mennen Nett Harbor St Thomas
HEREBY CERTIFY that Company, a Limed Lately Company formed pursuant to U.S Yergn kkndsl Law.
elm raceme
Is composed d the lohowIng
Mentes:
Jeffrey Epstein. Member
and the falbeng Manager cr Oelcee(S): Jeanne Brenta Manager
imam lad urrimia Need «Teem a Otare;
To induce you in your dierehon to ad and rely hereon and on the signature o' any of the designated Present of *AM Maneges. Members. Officers
employees or agents of Company FAuttiodzed Person(s)1, we agree and certify on behalf of Company as Wows:
1. FirstEank (dane) is hereby designated as depository of Company. and any Authorised Peson is authorized to Oepost or designate ror
deposit any funds d Company in Bank et any of its branches Bank may at any time refuse to accept ansa may return by winery mag or
anemias the wheels or any part of a &Pea
2. The folowing duly appointed kilnalzed Perm(t) Member Denial IntbrdwAttmey, Harry Beter -A ccentan..
signing singly
(kw popteee d hona avs. SR"we. finch KO* t)
arid mar successors are hereby authorized b agn. by hand or by Warde (inoluding, bit not limled to, compute' generated) sigratere(s).
chicks, drafts, acceptances and ana Instruments (heminaftet each coloctivey referred to as ltem(eF). Itheisarelng the ateve, any
Automat Person is authonzeo sngy to: (I) intiale Automated Dearing House FACH') debts Aleut a signa. t (2) treats payments by
use of Depository TrEJ*et Checks ('DIC') without a Skylable other tan the name of Company period on the DTC: a (3) give InstiuctionS,
by means other than the signing Of WI item, wan rasped to any account tense:ton, induchng kit dot listed to the payment. render or
Withdrawal cd kinds by wire. =Cuter a abler Medea means. or Mimes. ord money, cocas. terns or property at any tire hed by Bank
for account el Company fInstarann.
3 Bank is hereby authorized b honor and pay Itizn whetter signed ty hand or by facsiree (metinn g. bu. not lathed to. carpi« generated)
egnaturetal. In the case d fawn.. agnates, Banka authorized lo pay any Item a the sIgistere, regarcloss of how or by whom LIPS,
and whetter or not the form ed signature used on dal Rem MS actuaNy prepared by ce for Company. resembles te specialers Mac win
Bank by Company. Be* is furls ikitrICOzed to how and pay OTC% ACHs. Inmedians, and other omens green Singe/ by any Autcrized
Person, irobang such as may brie] about or increase ar aerate arid such as may be payade to Or la the benefit of any Autorized Person
a Otter Manager a Member a employee irdvickely. sexist ,niculry as to the circumstances of the mumce or the disposition of the
precedes thereof era without Is as to amount
4. Bank is hereby at/Mated to accept for depose. for negotiator coloction. or otherwise. Items endorsed by any person or by stamp or other
impression al the name or account rumba of Company mead inquiry as to be circumstanom ol the endorsement or any lack 01
endorsement or the cis/meson of the protests.
5. The 'cowing Authorized Persons Member.
Orcloile by NMI tom aurteced b eeld la lamas, et;
of Company alpha SngY
titekete rut noe t el:, are totaling e.g side style:ult.:.
are hereby authorized to eled !cans and advances and obtain creel at any time for Company Wet Bark (and guarantee on behal of
Company the obligations of Others to Bank), secured or unseated, and fa such loans and advances and credit and guarantees to make.
execute and delver promissory node and other Widen otegatons a evidence of ndefretess of Company, apes:eons for tenors of credit.
instruments of guarantee an' !Morn* and any agreements or undertakings, giver& or specific. with respect to airy of the foregarg, and as
seamy for the payment of ans. advances, Indebtedness guaranheas and lableies of. or craft giren to, Oyrpany a Gaffs l0 pledge.
hypothecate. mortgage. assign. Vander, grant fee and seculty interests is give rights with reeped to. endorse and delve property of any
assalption. real or personal, and any Merest herein and evidente ol any thereof at any tine held by company, and b execute mortgages.
OettS of burl. sewer agreements, inetbrents ourarster, assignment a dedge, powers of attorney and Other agreements Of eshuments
which may te necessary or decade in connection Merewlft: and also to sel to, or amnint with. Bank cawnercial µapa. d:s rawivable,
accost reeka-ds, sacks, bonds or any otter sedates a property at any time led by Company, and to that end to entree, assign.
sealer and Mire the same: to execute and delher instruments a agreements of Steordinabon and assignment sabdaddry to Bark and
also te Oho any ceders or COMIC* for the deiwery. sale. exchange d c<her deposition of any properly a interest therein or evidence thereof
belonging to Company and at any !Me in the hands of Bank whether as °Massa: or tithe:~ add to execute and delve such other
agreements, nramments and damtres and to do such Other acts and things as may be necessary a desitabe or radiate' by Bank In
oonnecdon wen any of the Foregoing and Bank S hereby autonzed to tenor, accept and execute any cie the transactions described above.
6. Thai al ber elsimunts rod advances heretofore o0taied on titian ol Cowpony and all notes and ate obligations or evidences thereof oho
foregoing being referred lo as 'Obigetecne) of Company held by Bank are hereby approved railed and confirmed.
Company oat hereby gem b Bank a ~oho lien for the amount of my andes bellies and obligations ei Company to Berard clams d
any nature ara der-ratan of Back against Company, atoner now existing or hereafter harred. mignaly °Detracted rinn Bank andtot vorh
andhet or others and now or hereafter Oohing to or acqured in any manner by Bank whether contracted by Caves acne or 'ahoy ancttor
severalty wti another of others. gealule a contingent sewed a untreated. matured or unmeant' (al of which are nereafter mass..*
trite Lloin leietrit se direm creel/94M Rut Rim
--CONFIDENTIAL SDNY_Ghl_00012921
CONFIDENTIAL FirstBankPRO00084
EFTA_00123564
EFTA01268768

called TVgallons, Won any and a] moneys, mantes and any and af other pnreny el Company and the proceeds there* now or
home/tor actually or conned/ held or recanted by or n mane in any manner to a fran Bark, As correspondents or agents from or for
Compaq, whether for Saleireeeng. costa dodge. trargareer. tendon or otherwise coming atio the possession of Bank in any way.
8. In ease et confiding darns a espies, or doubt on Bank's part as to the validly. went, mocifrahon. revocation or ewes° of anyone
williones herein °Waned. Bank may. but need not rent nine nor give any died to any notice from any Manage a Member of Company. or
from ary other person purporting »cancel resttct or change any of said authories, or the exercise meted. unless Bark is reared to Co so
by the 'Wren". dame or ado:dame having junction of the saied matter and of the parties le such confiding ciaims a disputes.
9. Conroy agrees to be bound by the Terms and Oeneitiors let Busress Accounts and Seems, current,' in erred and as amended attester.
as well as any srature card, depose ticket checkbook passbook statement cl account, receipt insUmment document or other agreemene,
aches, bit not "muted to, kinds transfer agreements, deivered or made avaiable to Company from Bank and by all rages posted at the
deg of Bank at which the exount d Company is maintanel in eal case with the same effect as it each and every term thereof were se
forth in fin herein and mace a part tercel.
10. &bra to paragraph 10 above, at the faegeng authaitieS stall ran in Na fore and effect until revoked or !mired by kitten notice ro
Bank provided that arch notice els not be elecIve wt respect to any revocation or maditionicn of said arteries end Balk she have had
a reasonable opporturdy to act line and In no even prior to the receipt cn the payment. of money or to astedrawai of mind dated on a
prior to the date of such note, but peered to Bank alter reed of such note and Bans is hereby authorized at al Imes to rely upon to
last nose. cenrcaten cr Calinanalen recetved by it as to the pewee who from time to time may be signathesdCcmpany, a as to their
respective spedmen signatures anchor as to any err Company matters, and Bank shell be hold harmless In such mere.
The Managers. Members, and Officers of Conroy, or any one or MOM CO them are hereby anhortzed to as for Company in all other maters
and ens:rens relating to any of Its bushes with Bark tirkerg. but net freed to. the coreartion and deiwery d arty agreements a
contracts recessa ry tO effect the foregoing Headgear's.
12. Company hereby represents and warrants tot nee of the Merges herein cretaired are contrary to or Inconsistent wit any other
agmeements among Monter& of Company, or between Company and other parties.
13. Bank is hereby released from ary fabity and shah be trammed against any kiss. leaky or expense wising from herring this Agreernem.
14. The signature(s) below 4/are the sitinerds) or me Manager(s), h Company is manger-managed, the signalureis) of the klisgmbens)
Company ts mernber-renage, a to signriads) cf the Officer(s) N Company is governed by a toed of erectors.
NM: In case the Manager, Member, or Officer is autherizad Very may yours,
to sign by the above provisions, this Agreement should be
signed by a second Manager, Member. of Officer, IGO CanPany, LLC
Nam decease
6100 Red Hook Quarter B3 St. Thomas U69100802
mews
BY
The: Meter
We" Rental. a Crays nic.
BY: 4,aostaS.4-2(kne.etestette_
TAM: Manager
Minna MSc:M O TOO
CONFIDENTIAL SD NY_GM_0001 2922
FirMBenkPR000085
CONFIDENTIAL
EFTA_00123565
EFTA01268769

Grip: 571520 I
• M A et r 1 n 2 i 2 e O 2 A C . 0 R S k 0 e 3 a :1 t 2 e . P IA
Lee/tart Go.moe
ARTICLES OF ORGANIZATION
OF
....IGOCOMEANY-J—GC.
I, the undasigesd natural person of the age of eighteen years or more, acting as organizer
of a limited liability company under the Uniform Limited Liability Company Aa, Chapter 15,
Tffie 13, Virgin islands Code ("Unite= Limited Liability Company Act"), do hereby adopt the
fotowing Articles of Organization for such limited liability company.
ARTICLE ONE
NAME, ADDRESS AND PRDICIPAL OPFICB
Name and Address
1. The Name and Address of the limited liability company shall be IGO Company, L.L.C,
(the "Company"), of 6100 Red Hook Quarter, Suite B-3, &realm Yacht Harbor, St
Thomas, Virgin Islands 00601 The mailing address of the Company shall be is 6100 Red
Hook Qua Sails B-3, American Yacht )mbar, St Thomas, Virgin Is'ands 00802.
Principal Office
2. Toe principal office and permanent address for the transaction of business of the
Company shall be the address stated in paragraph 1 of these Articles as the physical
address of the Company.
Registered Agent and Office
3. The mailing address of the Companys initial registered agent is 1340 Tainneberg, St.
Thomas, V100802.
4. The physlea1 address of the Company's registered agent is 1340 Taarneberg, St. Thomas,
Vi 00802.
5. The name of the initial registered agent at such address is Maria Tank=son Hodge.
6. The business address of the registered agent and the address of the registered of arc
identical. n
f
ro
i-tscr
ARTICLE TWO snu
WM= *t-zr -is
Tar t:
The purpose for skid the Company is organized ism engage in the any °all aleenrefal.
business for winch a limited liability company may be organized under the Uniform bruited
Liability Company Act and the other laws of the US Virgin Islands.
Teril ems u.a. vet* rte
C eon- ttC 5 P.p.(
CONFIDENTIALFinttBanK, SD NY_GM_0001 2923
CONFIDENTIAL R000086
EFTA 00123566
EFTA01268770

The foregoing paragraph sbal: be careened as mumenting both objects and purposes of
this company, and it is hereby expressly provided that the foregoing nuarration of specific
- "exposes rhalLooLbe_beldtoJimiLfirmslainLituaymkgncr the purposes of this Cosuoy other
wise pareitted by law.
ARTICLE THREE
DURATION AN9) CONTINUITY
The period of duration of this company shall be papaw& No member or manager shall
have the power to dissolve the Company by his or her independent act of any kind, without the
unanimous consent of all members.
ARTICLE POUR
Mafia=
The name and adtess of the manners of this Company arc
Jeanne Brame, Physical Address: 6100 Red Hook Quart:,
SuiteB-3,Arrocan Yacht Harbor.
St. Thomas, Virgin Wands 00802
Mang Addrac 6100 Red Hook Quarter,
Suite B-3, American Yacht HL-bor
SI. Thomas, VI 00802
ARTICLE FIVE
14A1V.GEMENT
The Company shall be manger-managed. The name and address of the manager of the
Company is as follows:
Jeamie Braman Physical Address: : 6100 Red Hook Quarter
Suite B-3, Amaican Yacht Hrbor,
St Thomas, Virgin !Awls 00802
Mailing Address: 6100 Red Hook Quarter,
Suite B.3, Amnion Yacht Harbor c.",
St Thomas, VI 0080l 7e -0 n, g n Por:1s,,
-Ou N
7.-
ARTICLE SIX
CAPITA/4 TS a-
US W h.--
The Company shall begin b.:nit:am with capital in the mount of One Thousand Dirlie
(S1,000.60).
2
CONFIDENTIAL SD NY_GM_000 12924
CONFIDENTIAL FirstBankPR000087
EFTA_00123567
EFTA01268771

ARTICLE SEVEN
LIMITATION OF muesli
No manager of the Company shall be liable to the Company or its me:mbarmoat:na—y
damages for an act or an omission in such manager's capacity as a manager, except for liability
of a =maga for (i) a breach of a manager's duty of loyalty to the Company or its membein, (ii)
an act or omission not in good faith that constitutes &breech of duty of a manger to the Company
or an act or omission that involves interniceal misconduct or a knowing violation of the law, (iii)
a transaction from which a manager received an improper benefit, whether or not the benefit
resulted from an aeon taken within the scope of the manager's position, or (iv) an act or
omission from which the liability of a manager is expressly provided for by an applicable statue.
If the Uniform Liability Company Act cc other applicable law is amended to authorize
action £umber eliminating or limiting the liability of managers, than the liability of say manager
of the Company shall be eliminated or limited to the fullest extent permitted by the Iloilo=
Limited Liability Company Act or other applicable law, as so amended.
Any repeal or modification of the foregoing paragraph by the members shall not
adversely affect my right or protection of any manager existing at the time of such repeal or
morificanott
ARTICLE EIGHT
MEMBER LIABILITY
N, member of the Company shall be liable for the debts and obligations of the Company
under Section 1303, Subsection (c) of the Uniform Limited Liability Company Act
ARTICLE NINE
SEVERABILITY
If any phrase, clime. sentence, paragraph, or pemisico of these Articles of organization
is held to be void or illegal, then it shall not impair or affect the bale= of Wan Articles, and the
undersigned Orgvti of the Company does hereby declare that she would have signgl and
executed the balance of these Articles without such void or illegal provisions. n g
F., 5
IN wrrNEss WHEREOF. the undasigeptpersons have Manuto set thp, #.`„1.
Organizas of the Company this the 2: day of /...0 ettvaeA 2006.
a , -0 " -
.r.r!
:
3
CONFIDENTIAL SO NY_GM_0001 2925
CONFIDENTIAL
EFTA_00123568
EFTA01268772

CONSENT ofA GENTf or SERVICE of PROCESS
This writing wmtesseth that the undersigned MARIA TANKENSON HODGE having been
designated bythe limited liability company known as IOO COMPANY, LLC.,
as agent of the sat company upon whom service of process may be made in all suits arising
against the said company in the Courts of the Virgin Islands, does hereby consent to act as such
agent, and that service of process may be made upon me in accordance with Title 13 of the
Virgin Islands Code.
IN WITIND3SS WBEREOF, I have hereunto set my signature this 27t" day of December,
2006.
Maria Tenkenson Hodge
HODGE & FRANCOIS
1340 Taameberg
St Thomas, VI 00802
Subscribed and sworn to before me ibis etA ' dayday of .als-s_ • . 2006 at
Charlotte Amalie, St Thomas, U.S. Virgin Islands.
NataryPublic •
ET LS. • P.*
Tent; e taxo 031"7 , crl1y
Mara, ""'•
"O 'es C
tri
CONFIDENTIALl 9 SDNY_GM_0001 2926
CONFIDENTIAL
EFTA_00123569
EFTA01268773

Corp No. 571920
GOVERNMENT OF
-- THE VIRG1N-ISLANDS OF-THE UNITED STATES-
- 0 -
CHARLOTTE AMALIE, St THOMAS, VI 00802
CERTIFICATE OF EXISTENCE
C
lo go 319bom Inuit IlrestentS Con2D
VARGRAVE A. RICHARDS, Lieutenant Governor of the Virgin Islands do hereby certify
that I am, by virtue of the laws of the Virgin Islands, the custodian of the corporate records and the
proper officer to execute this certificate.
I Anther certify that the records of this office disclose that
IGO Company, LL.C.
Limited Liability Company
was duly registered to conduct business in the Territory on December 28, 2006 and has a legal
existence as a Limited Liability Company so farm the records of this office show.
Witness ray hand and the seal of the Government of the
Virgin Wands of the United States, at Charlotte Amalie, St.
Thomas, this 28th day of December, 2006.
VARGRAVE A. RICHARDS
Lieutenant Governor of the Virgin Islands
CONFIDENTIAL SDNY_GM_0001 2927
CONFIDENTIAL FirstBankPRO00090
EFTA_00123570
EFTA01268774

1 First Bank
Limited Liability Company
Letter and Security Agreement
Virgin islands
d-
2 7
Ode -6
We the undersigned Members. Managers. or Wan of TC. 0 Calgertuatwo 1 LC
(Company) located at
HEREBY CERTIFY that Company, a Limed Medley Company formed uantb U.S nata 14.4 law,
composed ot the folowng Members: C Cry.t y Fotare w
and the farming Manager or Officer(si
Poke Nees ct ranee es vinery of mar dace*
To induce you in your orrecrerto to al and rely hereonandco the signature of any of the designated present of Mire Managers. Maillbett Otters.
employees cv agents of Company MUtorized Person(s)", we agree cad certify eh behalf of Company as folbyrs:
t. First8ank tBankl is hereby designated as depository of Company and any Authorized Person is authorized to demise or designate for
deposit any funds of Company in Bank at any ol it branches. Bank may at any tine refuse to accept andior may return by oninary mail or
Menne) the More or any part of a deposit
2. The teething duly wanted Authorized Person(s) .3. rte.-4 EpeStun__, tatinAsto• leeran R.-tow/0)
mono lee—
Wag Seexexly
fa man g egnrg Una roar ea rem. rake. et.)
and hit so:passers are hereby authorized to signh by hand or by Mania (n000fing, tut not &mad to. computer generated) sigratvre(s).
checks, drafts. acceptances and other bitumens (hereinafter eank collearrefy referred to as literary Nolwthstandng the above. any
Mtaized Person is aulhatzed envy to: (Initiate Automened Cleating Hate debts ivtioul a signature; (2) irate payments by
use of Depository Transfer Checks ('OTC) were. a signature other than the name of Company printed on ha DTC or (3) one InsDuctions.
by means other than the signing of an awn. wtt respect to any account transaction, including, but rid lamed lo the payment, tarsier or
Mdatnial of kits by me, computer r carer dethrone means. or °incense, or of more/ credit, kerns or many at any lime held by Bank
for =OW of ComPany (Instucticre'l
3. Bank is hereby authorized to honor aid pay hems, whether signed by hard a by facsimile Includig, but not limited no. atauler generated)
sgnaturea). In the case d wont° signatures. Bank is authorized to pay any Item e the swarms, regardless of ham or by Muni attxed.
and Metier or rot the bon of skgnature used on such tar was amuty prepared by or for Company. resembles the sacra* feed "<:h
Bank by Company. Bank is linnet authorized to honor and pay Dies. ACHs. Insmuurocrs. and other orders given angly by any Authorized
Person. nickdrg such as may bring about or increase an overdraft and son as may to payable to or Cr the benefit of any Authorized Person
Of other Manager or Member or employee indritnaly. maxi inpury as io the cicurnstares cl the issuance or the dttotten of the
proceeds thereof and without volt as b amount
4. Bank is hereby authorized to accept for deposn. for crab. or for collagen. a ethermse. Items endorsed by any person or by stamp or other
ingression in the name or account number of Company intim hairy as to re eectamsialces of the endorsement or any tick of
scitorsemert re the dispositim ol tho proceeds.
5. The togotyrg kadionaed Persons J e F Fre pal e,w, arreraee •••
wra.• ietynearts exes flaxenn ee:ann eetzw., en)
CallParlY. aMang
gran hottoofia et. WO t be e anaa. rtnOn tan en/
we hereby authorized to effect bars and atkarces and obtain craft at any time to Oompeny from Bank (and guarantee al (*hal of
Company the oblgatinns of others to Bark), seated or urnecured, and for such tans and advances and credit and guarantees to make,
execute and dela( promissory notes and other vaten obigarions r evidence of Indebtedress of Company. appications for letters of credo,
iristuments of guarantee an' Etemrity and any agreements or undertakings. general or spate, with respect b any of the Sonnoing, and as
security for the payment of bans, advanxe. indebtedness, Baran ees and Satiates or, or medt given to, Company or others to pledge.
hypothecate, mortgage. assign, transfer. grant liens and securty interests in, give rights wth respect no, endorse and delver property 01 any
desolation, roil or perscas:, and any interest Merin and evben» of any Thereof at any Erne ned by company. and to execute molgages,
deeds of trust security agreement, instruments of transfer. assignment or pledge. powers of attorney and other agnomens Cr insmuments -
which may be necessary of desirable in corrector therein: and also to sell to, r decant wt Bank. commercial paper, bib recerrable.
accounts recearabe, stoics. bonds or any other seculars or Property at taw ire held cy Crivpany..ace—to_r Ihraral0-inairea; ea,*
tsnler ad deliver to same; a VAC= •Oftnirvriir liWir3 or agreements of stbonlaration and assignment sarslactory to Bank and
also to glee any orders or consents for the delivery. sale. exchange or other disposibon of any property or retest tenth or evidence thered
bonging to Company and at any tine ii the hands of Bank, whether as collateral or corvine, and to execute and delves sat ether
agreements, instruments and documents and to do such other acts and things as may be necessary or desirable a repined by Bank di
connection wits any of the foregoing and Banks hereby authorized to honor, accept arid execute any 01 the transact ins &scrawl above.
6. That all bans. decays and advances heretofore obtained on behalf of Company and all notes and other obligations or evidences thereof (the
toter) hex; referred to as tibigations1 of Company held by Bank are hereby a:proved retied, and confirmed.
7. Company does hereby gine to Bank a Caltinulng ten for to amount of any and al latillbes and obigatons c Company to Bark and claims of
awry nave and dew/intim of Bank against Company. whether now ekiSing or hereafter froned. VicaN091ta:led wit Bank aner
another or ethers and now cr hereafter ovary no or acquired in any manner by Bert whether contracted by Company steno or lardy
ffrpnalint ae *am orfrstank Mao Art
LLren
CONFIDENTIALkp,000,0S 9o NY_GM_0001 2928
CONFIDENTIAL
EFTA 00123571
EFTA01268775

severalty with another or others. absolute or contingent secaec or treecured, matured or unmatured of which are hereafter collect/0y
=Cod •COOgations, upon any and el moneys. sectaries we any and al other property of Company and the proceeds therm& now or
thereafter actualy or construblivett tlek or received by cr in trarsn n any manner to or from Bank, its correspondents or agents from or for
CoolParig. whether for safekeePthg. custody. pledge, trensmoson. eclectic() or otherwise coming the the possession of Bark et any my.
Et In case of conflicting darn or dspays. or doubt on Bank's part as to the vaidly, extent, mcdificeton, revocation or mese a any of tie
authcmies tereln contained. Bank may. bit new rot recognize rot give any Meet to any notice moth any Manager or Member of Corrowry. or
from any other parson pumtiming to cancel. restret Or Chance wry cf sad authorities. or the exercise tweak unless Bank is required to do so
by thejudgment decree or order of a coat having jaisdclim of the subject male( art of the parties to set contrite claims or fops
3. Company agrees to be bound by the Terms and Canteens for Busiest Acoounrs and Services, currently in effect and as amended hereafter,
as veil as ary signature card deoost rrxaC chactidock. passbook, statement of accent. receipt, instrument. document cr other agreements,
such as. Out net Mrted to, funds transfer agreements, delivered or trade available to Company from Bank and by a I nooses pored at the
Wee of Bank at uhlth the =aunt of Company a maintained, in each case with the same effect as if each and every teen tiered were set
forth in fur herein and made a part hereof.
10. Subject to paragraph 10 above. al the foregoing authates shall remain in furl force and effect meth revoked or fenced by written more to Bank
Provided that suit note shell not be effecttee van respect to any revocation or roars= of sail authoribes uol Bank that have had a
reasonable opportunity lo act thereon and ion no event prior to the reap' ce the parreM of money or the withdrawal of hinds dated on or price
fo the dale el such note. but presented to Bank after receipt of such nolo* and Bank is hereby authcelzed at at bores to rely upon the last
notice. certiltalion or communtafon received by it as to the persons who from tea to time may be signatories of Company, or as to tier
respective spec:knee signatures ancla as to any other Company meters, and Bank steel be had harmless in such relarce.
11. The Managers, Members. and Officers of Corroany, or any one a more of them are hereby authorized to act for Company in al other matters
and transactions relating b any of is business With Bank including be not Weed to, the exoticat and delivery of any agreements or
contacts necessary lo effect the foregaing Resolnions.
12. Company hereby represents and war/arts that none of the airbortes herein contorted are contrary to or inooessfent with any other
agreements among Members of Ctinpany, or between Company and oller pat
Is. Bank la hereby released from any Wily and stet be irderreirlied against any loss. liabilly or expense aris'ng hem banana ens Agreement
14. The elaneture(s) berm rare the sgreture(s) cf Fe Manager(s ), l Company 4 rnaragerrnanaged the signatseith of the Member's) il
CaT/PODY k member-managed, or the airway's) at the Officer's) I Company 4 governed ty a ooard of dee:Mrs.
KM hi case the Manager, Member. or Officer Is authorized Very tray yours,
b bhp by the above provisions, this Agreement should be
seped bye second Manager. Member. of Officer. TOc) tt.c
a oe of CorfOafT
.end pima,
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CONFIDENTIAL SCINY_GM_0001 2929
CONFIDENTIAL FirstBankPR000092
EFTA_00123572
EFTA01268776

Validate Business Entity Result/. Page 1 of
Validate Business Entity Results for 1G O eemwnr, Lit
RESULTS SUMMARY •
OFAC CHECK: PASSED
ID CHECK: NO MATCHING RECORDS FOUND FOR ENTITY
Input EIN:
Input NWT*: I G O Company, LLC
Input Address: 6100 Red Hook Quarter Suite b3 St Thomas VI 00802
Input Phone:
Account number:
Account Status: OPENED
Print This Pate • !alto.
https://production.penleyine.com/petiley/sectaeNBEReportDetail.dehnodeptint&oid46... 3/11/2008
CONFIDENTIAL SDNY_GM_0001 2930
CONFIDENTIAL FoStBankPR000093
EFTA_D0 I 23573
EFTA01268777

ChexSystems Page I of I
cherSystemsa J
Consumer Information (As Captured)
1G 0 Company LLC E1N.
4100 Red Hook Quarter Suite b3
St Thomas VI 00802
atone:
Country of CitIZOnship:
Please Call
Reference Detail
Transaction Tracking ID: 1205256258559:229113:PNXID066_Pt;
CheaSystents-
Al; WHIM eft proncled Dv ChnSystems, Mc, a wiloarovmeci
Itnwird by subsavy *Funds covottoon.
eFunas
Print This Pant Dion
httpsitoroduetion.penleyine.comtperJey/securekhexSystemsReportnetail.dobid460017... 3/1112008
CONFIDENTIAL SDNY_GM_00012931
CONFIDENTIAL FirstBankPR000094
EFTA_00123574
EFTA01268778

ID Verification Results
page 1 of 1
/D Verification Results for Jeffrey Epstein
RESULTS SUMMARY
OFAC CHECK: PASSED
ID CHECK: OVERRIDE
' SSN: PASSED
' wad tetween 12/31/1969 In New York.
Input SSN:
NAME MATCH: PASSED
Input Name: Jeffrey Epstein
ADDRESS MATCH: FAILED
j Input Address: Little St James Island St Thomas VI 00802
Dir. Info: 457 MADISON AVE NEW YORK NY 10022
Dif. Info: 358 EL BRILLO WAY PALM BEACH FL 33480
Dif. Info: AMERICAN YATCH HER MARINA DEL REY CA 90292
DATE OF BIRTH MATCH: PASSED
Input Date of Birth: 01/20/1953
Alternative Verifications
HOME PHONE MATCH:
Input Home Phone: NO Verification Data Given
LICENSE MATCH:
Input License Number: No Verification Data Given
DN. Info: E123425530200
OW. Info: E12342530200
DECEASE:)
Account Status: OPENED
Override Comments:
h O a n s 0 re 3 l / o 1 c 0 a /0 te 8 d a to t 0 S 8 t : T 4 h 5 o :0 m 0 a M s acklin Colon Added: Cleared • Obvious Address Mismatch Client
flint ThisPape - Clait
hups://production.penleyinc.coni/penley/securefastWatchReportDetail.do?mode=prinkkoi...
3/10/2008
CONFIDENTIAL SDNY 12932
CONFIDENTIAL
EFTA_00123575
EFTA01268779

ChexSystems
Page I of
Quail/Fiat, Reopen
Consumer Information (As Captured)
Jeffrey Epstein SSN
Little St James Island
Dot 0120/953
St Thomas VI 00802 DL*:
DL STATE:
Oben*:
Country of Citizenship: US
Account Actions
Action: REVIEW
Recommended Actions:
Product Offer
Product LIRAS
Identification Information
SSN validation: bECAFIE AVAILABLE FOR ISSUANCE IN 1967 IN NV SSN:Y
ChexSystoms History
Previous Inquiries: No Previous Inquiries Found.
closures:
No Closure history found for this Consumer.
Reference DMA
Debit Bureau Ref*: ISCA31616166
Transaction Tracking ID: 1205156796296:111705:PfO30068_PI:
ChexSystems'
11a lai led In Al: services ant pfoinVect or OiraSystems, int, a nliOrty,Owned sut/frdarY of *SunOS COrddralliOn.
t•1 LUHLs
Eclaillaissas • Cass
haps://productiompalleyine.com/penley/secure/chedystemsReportDetaiLclo7oidi426599...
3/1012008
CONFIDENTIAL SDNY_GM_0001 2933
CONFIDENTIAL FirstBankPR000096
EFTA_00123576
EFTA01268780

ID Verification Results
Page 1 of 2
ID VerMaition Results for Darren Indyke
RESULTS SUMMARY
OFAC CHECK: PASSED
ID CHECK: OVERRIDE
• SSN: PASSED
Issued 12/31/1975 in New Volk.
Input SSN:
NAME MATCH: PASSED
Input Name: Darren Indyke
ADDRESS MATCH: FAILED
Input Address: St Thomas VI
Dk. Info:
Dlr. Info:
[ DATE OF BIRTH MATCH:
; Input Date of Birth:
Anernadve Verifications
;r HOME PHONE MATCH:
. Input Home Phone: No Verification Data Given
DM Info:
F
LICENSE MATCH:
Input License Number: No Verification Data Given
DECEASED: NO
Additional actions taken:
I
I
I
Oa 03/10/06 at 00:38:05 Madelin Colon Added. Client Las
relocated to at Thomas J
Account Status: OPENED
Override Comments:
IA
httprifproduction.palleyinc.convpenley/socUrefastWatchRepOttDelaii.demOdeoprint&oi...
3/10/2008
CONFIDENTIAFlrLM6 ank.„ SD NY_GM_0001 2934
CONFIDENTIAL
EFTA 00123577
EFTA01268781

ChcxSystems Page I of I
QuefIFINS Response
Consumer Information (As Captured)
Darren !Wyk, SSN
DOB.
St Thomas VI 00802 CAP
IX STATE:
Phone:
Country of Otizenshio: US
Account Actions
Action: REVIEW
Recommended Actions:
Product Offer
Product A,P.R.
Identification Information
SSN VeilidaDon: BECAME AVAILABLE FOR ISSUANCE IN 1974 IN NY SSN:Y
ENORSVstems History
Previous Inquiries: No Previous Inquiries Found.
Closures:
No closure history found for this consumer.
Reference Detail
Debit Bureau Ref*: IBCA.31687585
Transaction Tracking ID: 120S1S6867S2S:111798:PECID068_PI:
CherSysterns-
lenwnsi In Ni Ww0ea are oroWdird tv OteSysterns, Inc., a roholinsoled subway,'" 'Fund, Corcerabog.
Punt This - CI914
hrtps://production.penleyinc.com/penley/secumichexSystemsReportDetailx1o?oid=326599... 3/10/2008
CONFIDENTIALFIrst, SDNY_Ghi_0001 2935
CONFIDENTIAL
EFTA 00123578
EFTA01268782

ID Verification Results Page 1 of 1
ID Verification
RESULTS SUMMARY ••
OFAC CHECK: PASSED
ID CHECK: PASSED
SSN: PASSED
weed ZMnOM in New Vark,
Input SSN:
NAME MATCH: PASSED
Input Name: Harry Seller
ADDRESS MATCH: PASSED
i Input Address:
L_
DATE OF BIRTH MA •
Input Date of Birth
HOME PHONE MATCH:
Input Home Phone: No VeriftcatIon Data Given
Dif. Info:
I LICENSE MATCH:
i Input • No Verification Data Given
Dif. Info:
! DECEASED: NO
t I
• Account Status: OPENED
•
htips://production.pealeyinc.com/penley/secureffestWatchlleportDetaiLdo?modeprint&oi... 3/10/2008
SDNY_Ghi_0001 2936
CONFIDENTIAL
CONFIDENTIAL FirstBankPR000099
EFTA 00123579
EFTA01268783

ChezSystems Page 1 of 1
Qua/I/lila Response
Consumer Information (As Captured)
Harry Bauer SVC
DLO:
DL STATE:
Friona:
Country of Citizenship: US
Account Actions
Atha: REVIEW
Recommended Actions:
Product Offer
Product Limits A.P.R.
identification Information
SSN Valoauon: BECAME AVAILABLE FOR ISSUANCE IN 1972 IN NY SSN:Y
ChexSystems History
Previous Inquiries: No Previous Inquiries Found.
Closures:
No closure history found for this consumer.
Reference Detail
Debit Bureau Refa: LOCA31717194
Transaction Tracking ID: 1205156897654:111847:PMX10048J11:
CherSystems
P.. A., roil in as se/vats ate provided by Chard/stuns Inc., a rehOtry•Oret Said*? a eFtmds CorcOnttiOn.
Print This Pacq • Oars
https://moduction.penleyine.eom/penley/securekhexSystemsReportDetail.do?oid=326600... 3/10/2 8
CONFIDENTIAL SD NY_GM_0001 2937
CONFIDENTIAL FirstBankPR000100
EFTA_00123580
EFTA01268784

• .:,ffl]-.12-8087(NON) 11:58 003/019
760 COMPANY. LLC OPERATING AGREEMENT
THIS OPERATING AGREEMENT (the "Agreement, of IGO COMPANY. LAC
(the "Company) is made and and Into, effcalve for all purposes and in all respects as
ache of January, 2007. ( the "Effective Date"), by the widersigned parties.
WHEREAS, a limited liability company has been formed under the name IGO
Company, LLC for the purposes set forth in Paragraph 4 hereof, pursuant to the United
States Virgin Islands Uniform Limited Liability Company Act (fitk 13 of the Virgin
Islands Code, Chapter IS, § 1101 et seq. (1998)) (the "Act"), as amended, and other
applicable laws of the United Sato: Virgin Islands: and
WHEREAS, the undersigned for himself and an other persons who may become
members of the Company in accordance with the tams of this Agreement and the Act
(hereinafter referred to as a "Manlier" or "Members"), cl.sires by this Agreement to set
forth certain provisions regarding the Company's capitalization. operation, management
and profit and loss allocation, among other things.
NOW, THEREFORE, in consideration of the foregoing. of the mutual promises
herein contained and of other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the panics hereto, intending to be bound.
hereby covenant and agree as follows:
I . Definitions.
(A) 'Ace shall mean the United States Virgin Islands Uniform Limited
Liability Company Act [Title 13 of the Virgin Islands Code, Chapter 15, § 1101 et seq.
(1998)] (the "Act"), as the sane may be amended from time to time.
(B) *Agreement" shall mean this Operating Agreement and Exhibit A attached
hereto, as originally executed and as amended from time to time in writing.
(C) "Capital Account" shall. with respect to each Member, mean and refer to the
separate "book" account for such Member to be established and maintained in all events
in the manner provided under, and in accordance with, Treasury Regulation § 1.704- 1
(b)(2)(iv), as amended, and in accordance with the other provisions of Treasury
Regulation § 1.704-1 (b) that must be complied with in order for the Capital Accounts to
be determined and maintained in accordance with the provisions of Treasury Regulation
§1.704-1(b)(2Xiv). in funheranee of and consistent with the foregoing. a Member's
Capital Account shall include generally, without limitation, the Capital Contribution of a
Member (as of any particular date), (i) increased by the Member's distributive share of
profits, income and gain of' the Company (including, if such date is not the close of the
Company Accounting Year. the distributive share of profits, income and gain of the
Company for the period from the close of the last Company Accounting Year to such
date), and (II) decreased by the Member's distributive share of losses and deductions of
the Company and distributions by the Company to such Member (including, if such date
is not the close of the Company Accounting Year, the distributive share of losses and
deductions of the Company and distributions by the Company dining the period from the
CONFIDENTIAL SD NY_GM_0001 2938
CONFIDENTIAL FirStBankPRO00101
EFTA_00123581
EFTA01268785

.889-R-200Nacti) 11: 58 P 00a/019
•
• • 100 COMPANY: LLC Operork Agreement Pagr
close of the List Company Accounting Year to such date). For purposes of the foregoing.
distributions ofp roperty shall malt in a decrease in a Member's Capital Account equal to
the agreed fair market value of such property distributed (less the amount of
indebtedness, if any, of the Company which is assumed by such Member and/or the
amount of indebtedness. if any, to which such property is subject. as of the date of
distribution) by the Company to such Member.
(D) "Capital Contribution' or "Capital Contnbutions" shall mesa and refer to
the amount of cash. and/or the agreed fair makes value of properly (less the amount of
indebtedness, if any, of such Member which is assumed by the Company and/or the
amount of indebtedness, if any, to which such property is subject, as of the date of
contribution. without regawl to the provisions of Code Section 7701(g)). actually
contributed by a Member to the capital of the Company, as well as any additional
contributions actually made pursuant to this Agreement, including, but not limited to, any
amounts paid by a Member (except to the extent indemnification is made by another
Member) in respect of any claims, liabilities or obligations against the Company and/or
pursuant to any guaranty of Company indebtedness or otherwise by such Member.
(E) "Code" shall man the internal Revenue Code of 1986, as amended. All
references herein to Sections of the Code shall include any corresponding provision or
provisions of succeeding law.
(f) "Company shall refer to 1OO COMPANY, D..C.
(0) 'Company Accounting Year" shall mean and refer to the accotmting year
of the Company. ending December 31 of each year.
(H) "Company Assets," at any particular time. shall mean and refer to the
Company Property and any other asses or property (tangible or intangible, chose or
intimate, fixed or contingent) of the Company.
(1) 'Company karat" shall mean and refer to the entire ownership interest of a
Member in the Company at any particular time, including the right of such Member to
any and all benefits to which a Member may be entitled as provided in this Agreement
and under the Act. together with the obligations of such Member to comply with all of
the tams and provisions of this Agreement and the Act.
(J) 'Company Property" shall mean and refer to all real estate and personal
properly owned by the Company. together with all rights. privileges, interests. easements.
improvements. haeditaments and appurtenances now or hereafter belonging or
appertaining thereto.
(K) 'Exhibit A" shall mean and refer to the original Exhibit A to this
Agreement, relating to the names, addresses and Percentage Interests of the Muir ba
(L) "Member' or 'Members' shall mean and refer to those persons and/or
entities designated as such on Exhibit A attached hereto, either individually or
collectively, who are the equity owners of the Company.
CONFIDENTIAL SDNY_GAi_0001 2939
CONFIDENTIAL FirstBankPR000102
EFTA_00123582
EFTA01268786

.fEtt-I2-20O(M0H) it; S9 P. 005/019
• IGO COMPANY, Etc Operating Agreement Page 3
(3.1) 'Net Cash Flow' of the Company shall mean all cash receipts of the
Company on band from time to time (including. without limitation, the proceeds of any
loans, gross sales proceeds and the cash Capital Contributions of the Members). less the
total cash disbursements of the company (including, without limitation, operating
expenses and capital expenditures of the Company and repayments of any loans,
including those from any Mernba(s)). and less any waiting capital cash reserve(s) which
the Members dean necessary for the efficient conduct of the Company.
(N) 'Percentage Interest' of a Member shall mean the percentage participation
in the Company of such Member as at forth opposite the name of such Member under
the column 'Percentage Interest' inE xhibit A attached hereto, as such percentage may be
adjusted from time to time pursuant to the terms h=oof.
(O) 'Substitute Member shall mean any person or entity who or which is
admitted as a Member of the Company pursuant to Paragraph 12 hereof.
(P) "Tenn" shall mean and refer to the period of time that the Company shall
continue in existence, which shall commence as of the Effective Date ofi ts formation and
be ofu nlimited duration.
(Q) "Manager" shall mean one or more manages. Specifically. "Manager" shall
mean Jeanne Brennan or any other person or persons who succeed her in that capacity.
References to the Malaga in the singular or as him, her, it, itself, or other like references
shall also. where the context so requires, be deemed to include the plural or the masculine
or feminine reference, as the case may be.
2. Nave of Company. The name of the Company shall be "IGO COMPANY,
LLC".
3. Formation of Company. The Members shall cause to be organized and formed
a limited liability company under the laws of the United States Virgin Islands by the
filing of the Articles of Organization of the Company (the "Articles') pursuant to the Act
(on behalf of themselves and any Substitute Member(s)). This Agreement is subject to,
and governed by, the Act and the Articles which shall be filed with the Office of the
Lieutenant Governor. Corporate Division. in the event of a direct conflict between the
provisions of this Agreement and either the mandatory provisions of the Act or the
Articles, such mandatory provisions of the Act or the Articles, as the sae may be, shall
be controlling.
4 Centaur/ Purnosq. The general purposes of the Company are to acquire.
own, hold, develop, construct, lease, manage, operate and/or, if and when necessary or
appropriate, sell or otherwise dispose of the Company Property (or any portion thereof),
whether located in the U.S. Virgin Islands or elsa...1,...0„ and other real and personal
property of any 1drid or nature for the production of a profit and to engage in any and all
activities incidental or related to the foregoing or otherwise engage in and do any act
concerning any or all lawful businesses for which limited liability companies may be
organised according to the Act.
CONFIDENTIAL SDNY_GM_00012940
CONFIDENTIAL FirstEankFR000,03
EFTA_00 123583
EFTA01268787

Efft-I2-2007(M0N) 11:59 P. 006/019
‘--•
ICO COMPANY. LW OPCPWring Ag rventent Pose 4
. Principe] Office: Resident Aeon. The principal office oldie Company shall be
located at 6100 Rod Hook Quetta. Suite B-3, American Yacht Harbx, St. Thomas, Virgin
Islands 00802
'fbc mailing address for the Company shall be 6100 Red Hook Quarter, Suite B-3,
American Yacht Harbor St. Thomas, VI 00802.
The resident agent of the Company (thc "Resident Agent") in the United States
Virgin Islands for service of process shall be Maria Tankenson Hodge, who is a resident
of the United States Virgin Islands, or such other person as may Sc dmigrated by the
Members. The 'Address of the Resident Agent is 1340 Tnameberg, St. Thomas, Virgin
Islands, 00802.
6. Capital Contriburiefis.
(A) Each Member shall contribute to the capital of the Company the amount set
forth after the name of such Member in Exhibit A, and such member shall receive
appropriate credit to his or its Capital Account therefor.
(B) In the event tint at any time, additional funds are required by the Company,
then the authorized Members, acting for and on behalf of the Company, shall have the
tight (but not the obligation) to either camribute additional capital, or to came the
Company to borrow such required funds (the "Additional Funds"). with interest payable
at then-prevailing rates, from commercial banks, savings and loans associations and/or
other lending institutions or other persons (nchtding Members). his the present intent of
the parties to contribute any additional capital required by the Company in equal shares.
However, in the event that all the Members do not agree to contribute additional capital.
Or to cause the Company to borrow additional capital, then one or more but fewer than all
authorized Members, if able and willing to contribute additional capital. may do so, in
which event the capital amounts of the Members shall be adjusted to reflect the
reallocation of ownership to conform to the total capital contributions of all Members,
including the additional capital contributed hereunder.
(C) No Member shall be required to make any Capital Contribution to the
Company beyond the amounts set forth in this paragraph 6(A). except as may be agreed
to by such Member in writing. Additional capital may be contributed to the Company, but
only upon the written consent of all Members, except under the terms of the preceding
pamgaph.
(D) No Member (in his or its capacity as it Member) shall be personally liable
for losses, costs, expenses, liabilities or obligations of the Company in excess of his or its
Capital Contributions required tinder this paragraph 6, without such Member's prior
written consent
7. Allocation of Profit and Losses.
(A) "Profit" and "Loss" shall, for purposes of this paragraph 7. mean, for each
fiscal year of the Company or other period, an amount equal to the Company's taxable
income, gain, loss or deduction for such year or period, determined by the Company's
accountants in accordance with Code Section 703(a), with the following adjustments:
S0NY_GM_00012041
CONFIDENTIAL
CONFIDENTIAL FirstBankPR000104
EFTA_00123584
EFTA01268788

fee-,I 2-2007(MI3N) 12,00 P 007/0!9
• • !CO COMPANY, LLC Operating Agreement Page
(I) All income or gain of the Company that is exempt from Federal
income tax and not otherwise taken into 3CCOIMI in computing Profit and Loss
pursuant to this subparagraph 7(a) shall be added to such taxable income, gain,
loss or deduction.
(2) Any expenditure of the Company described in Code Section
703(a)(2)(11) or treated's:sae expenditure described in such Section and not
otherwise taken into account in computing Profit and Loss pursuant to this
paragraph 7 shall be subtracted from such taxable income, gain, loss or deduction.
(11) Except as otherwise set forth in subparagraph 7(C) hereof, the distributive
slimes of each item of Profit. Loss, deduction, credit or basis of the Company for any
Company Accounting Year or other period shall be allocated to the Members, pro rata, in
proportion to their respective Percentage Interests.
(C) The Members, with the review and concurrence of the Company's
sceounteus, may allocate taxable income, gain, loss, credit and deduction (or items
thereof) arising in any Company Accounting Year in a manner other than as provided in
subparagraph TM) hereof if, and to the MUM that, the allocations otherwise provided
wake this paragraph 7 would not be permissible under Code Sections 704(b) and/or
704(c). Any allocation made pursuant to, and in accordance with, this subparagraph 7(C)
shall be deemed to be a complete substitute for the allocation otherwise provided in
subparagraph 7(B) hacot and no amendment of this Agreement or approval of any
Member shall be required with respect thereto, and each Member shall, for all purposes
and in all respects, be deemed to have approved any such reasonable allocation.
(13) If a Company Interest is transferred or assigned during a Company
Accounting Year, that pan orally item of Profit Loss, income, gain, deduction. credit,
basis or tax incidents allocated pursuant to this paragraph 7 with respect to the Company
Interest so transferred shall, in the reasonable discretion of the Members, be allocated
between the transferor and the transferee in proportion to the number of days in such
Company Accounting Year during uthich each owned such Company Interest, as
disclosed by the Company books and records.
S. Distribution of Net Cashilow . Except to the extent that Net Cash Flow
shall be distributed upon termination of the Company pursuant to subparagraph 14(B)
hereof, the Net Cash Flow of the Company shall be paid or distributed annually during
each Company Accounting Year (or more or less frequently lithe Members dean it
advisable) to the Members. pro ram, in proportion to their respective Percentage Interests.
l egatiThIpagSpaugarazz. Legal title to the Company Asses shall be
held in the name of the Company, or in any other manner which the Members determine
to be in the best interest of the Company. Without limiting the foregoing want of
authority, the Members may cause the Company to take and hold title, or arrange to have
title taken and held in the name of others, as trustees or nominees for and on behalf of the
Company.
CONFIDENTIAL SDNY_GM_0001 2942
CONFIDENTIAL FirstBankPR000105
EFTA_00123585
EFTA01268789

EE11-,I2-2007(NON) 12:00 P 008/019
• • IGO COMACVY, LLC Operating Arrow.* Pose 6
10. Mannoement.
(A) The business and affairs of the Company shall be managed by its Manager or
Mangers. Except for situations in which the approval of the Members is expressly
required by this Operating Agreement or by nonwaivable provisions of applicable law,
the Manager shall have full and complete authority, power and discretion to manage and
control the business, affairs and properties of the Company, to make all decisions
regarding those matters and to perform any and all other acts or activities customary or
incident to the management of the Company's business. AL any time wheals= is more
than one Manager, any one Manager may take any action permitted to be taken by the
Managers. unless the approval of more than one of the Mangers is expressly required
pursuant to this Operating .Agreement or the Act.
(B) Number. Tenure and Qualifications. The Company shall initially have two
(2) Managers The number of Managers of the Company shall be fixed from time to time
by the affirmative vote of Members holding at Iciest a majority interest. In no instance
shall there be less than one Manager. Each Manager shall hold office until he or she
resigns or is removed pursuant to Section 10(K). Managers shall be appointed by the
affirmative vote ofM embers holding at least a majority interest. Managers need not be
residents of the Virgin Islands or Members of the Company.
(C) Certain Powers of Manager. Without limiting the generality of Section
10(A). the Manager shall have power and authority, on behalf of the Company:
(1) To acquire property from any Person as the Manager may determine.
The fact that a Manager or a Member is directly or indirectly affiliated
or connected with any such Person shall not prohibit the Manager from
dealing with thin Person.
(2) To borrow money for the Company from honks, other lending
institutions, the Managers, Members, or Affiliates of the Managers or
Member on such terms as the Manager deems appropriate, and in
connection with such borrowing. to hypothecate, encumber and grant
security interests in the assets of the Company to secure repayment of
the borrowed sums. No debt shall be contracted or liability incurred
by or on behalf of the Company except by the Monger• or to the
extent permitted under the Act, by agents or employees of the
Company expressly authorized to contract such debt or incur such
liability by the Manager.
(3) To purchase liability and other insurance to protect the Company's
property and business.
(4) To hold and own any Comfy real and personal properly in the
name of the Company.
CONFIDENTIAL SDNY_GM_00012943
CONFIDENTIAL FirstBankPR000106
EFTA_00123586
EFTA01268790

.FE0-.12-2007(N0N) 12:01 p. 009/019
. .
KO COMPANY. LW Operating dign-eawat Page 7
(5) To invest any Company funds temporarily (by way of example but not
limitation) in time deposits, short-tens governmental obligations,
commercial paper or other investments.
(6) To execute on behalf of the Company all instromeras and documents.
having a value of $2,000.00 or less, including but not limited to
checks, drafts, notes, and other negotiable btsuuments, mortgages or
deeds of trust. security agreements, financing statements. documents
providing for the acquisition, mortgage, or disposition of the
Company's property, including without limitation, quitclaim or
warranty deeds; assigpmear.; bills of sale; leases: partnership
agreements; agreements gaming or accepting easements, including
agreements assuming duties or obligations related thereto; operating
agreements of other limited liability companies: and any other
instruments or documents necessary, in the reasonable opinion of the
Manager, to the ordinary conduct of the business of the Company.
Any transaction having a value exceeding 12.000.00, shall require the
written approval of a majority of the Members' percentage interests.
(7) To employ accountants, legal counsel, surveyors, appraisers, makers,
managing agents or other exprvts to perfonn services for the Company
and to compensate them from Company fiords.
(8) Except as otherwise provided in this Agreement, to enter into any and
all other agreements on behalf of the Company, with any other Person
for any purpose, in such forms as the Manager may approve.
(9) To do and perform all other acts as may be necessary or appropriate to
the ordinary conduct of the Company's business.
(13) Unless authorized to do so by this Operating Agreement or by a
Manager or Managers of the Company, no attorney-in-fact, employee or other
agent of the Company shall have any power or authority to bind the Company in
any way, to pledge its credit or to render it liable pecuniarily for any purpose. No
Member shall have any power or authority to bind the Company unless the
Member has been authorized by the Manager to act as an agent of the Company in
accordance with the previous sentence.
(E) Limitations on Authority. Notwithstanding any other provision of this
Operating Agreement, the Manager shall not cause or commit the Company to do
any of the following without the express written consent of the Members holding
a majority interest in the Company:
(1) Incur an expense or invest capital exceeding $2,000.00 for any
single transaction,
(2) Sell or otherwise dispose of any Company real property,
CONFIDENTIAL SD NY_GM_0001 2944
CONFIDENTIAL FastBankPR000107
EFTA_00123587
EFTA01268791

eirarte6Yridio te:oi FtUlf§
• IGO COMPANY. LW Ofeeeaaag Agreement Page
(3) Mortgage, pledge, or grant a security interest (collectively
"pledge") in any property of the Company.
(4) Incur or MIK. any indebtedness lbr money borrowed by
the Company, whether secured or unsecured and including any
indebtedness for money borrowed from a Member if, after
such mortgage, pledge or grant, the aggregate indebtedness of
the Company would exceed $2,000.00.
(5) roar any liability or make any single expenditure or series of
related expenditures in an amount exceeding S2,000.00.
(6) Construct any capital improvements, npairs, alterations or
changes involving any amount in excess oTV,000.00.
(7) Lead money to or guarantee or become surety for the
obligation of any person.
op
Compromise or settle any claim against or inuring to the
benefit of the Company involving an amount in controversy in
excess of $2,000.00.
(9) Enter into any agreement regarding an casement for the benefit
of or upon real property owned by the Company.
(F) Liability for Certain Acts. The Manager does not, in any way, storantee the
return of the Members Capital Contributions or a profit for the Members from the
operations orate Company. The Manager shall not be liable to the Company or to any
Member for any loss or damage sustained by the Company or any Member tallest the
loss or damage shall have been the result of fraud, deceit, gross negligence, willful
misconduct, intentional breach of this Operating Agreement or a wrongful taking by the
Manager.
(G) Managers and Members have No Exclusive Duty to Company. The Manager
shall not be required to manage the Company as such Manager's sole and occlusive
function and such manager (and any Manager or Member) may have other business
interests and may engage in other activities in addition to those relating to the Company.
Neither the Company nor any Member shall have any right, by virtue of this Operating
I. to share or participate in such other investments or activities of the Manager
or other Members or to the income or proceeds derived from such investments or
activities. Neither the Manager nor any Member shall incur any liability to the Company
or to any of the Members as a result of engaging in any other business or venture.
(H) Bank Accounts. The Manager may from time to time open bank accounts in
the name of the Company. and each Manager shall be a sole signatory on such accounts,
unless the Manager. or the Members by nancrity vote, determine otherwise.
(1) Indemnity of the Manager, Employees and Other Agents. The Company
shall indemnify the Manager and make advances for expenses to the maximum extent
CONFIDENTIAL SD NY_GM_00012945
CONFIDENTIAL FirstBankPR000108
EFTA_00123588
EFTA01268792

..??0-12-2007(N0N) 12:0? 0.011/019
• • 100 COMPANY. LLC Operating A Riediftni Page 9
permiued under the AM, except to the extent the claim for which indemnification is
sought results from an act of fraud, deceit, gross negligence, willful misconduct,
intentional broach of this Operating Agreement or a wrongful taking by the Manager.
The Company shall indemnify its employees and other agents who are not Managers to
the fullest extent permitted by law, provided that such indemnification in any given
situation is approved by Members owning a majority intern.
Notwithstanding any other provision of this Operating Agreement. no Manager
shall be liable to :my Member or the Company with respect to any act performed or
neglected to be performed in good faith and in a manner which such Manager believed to
be mxessary Of appropriate in connection with the ordinary and proper conduct of the
Company's business or the preservation ofi ts property, and consistent with the
provisions of this Operating Agreement The Company shall indemnify the Manager for
and hold him harmless from any liability, whether civil or criminal, and any loss,
damage, or expense. including rothonable attorneys' fens, incurred in connection with die
ordinary and proper conduct of the Company's business end the )reservation of its
business and property, or by reason of the fact that such person is or was a hlanagen
provided the Manager to be indemnified acted in good faith and theme:vier such
Manager believed to be consistent with the provisions of this Operating Agmemast and
provided further that with respect to any criminal action or proceeding, the Manager to be
indemnified had no reasonable cause to believe the conduct was unlawful. The
termination of any action, suit or proceeding by judgment, order, settlement, conviction,
or upon a plea of nolo contendere or its equivalent shall not ofi tself create a resumption
that indemnification is not available. The obligation of the Company to inderrtnifif any
Manager under this Operating Agreement shall be satisfied out of Company assets only,
and if the assets of the Company arc insufficient to satisfy its obligation to indemnify any
Manager, such Manager shall not be entitled to contribution from any Member.
(J) Resignation. Any Manager of the Company may resign at any time by giving
arisen notice to all Members of the Company. The resignation of any manager shall
take effect upon receipt of notice of such resignation or at such later time as shall be
specified in such notice; and, unless otherwise specified in the notice, the acceptance of
such resignation shall not be necessary to make it effective. The resignation of a
Manager who is also a Member shall not affect the Member's rights in an equity owner.
(K) Removal. At a meeting called expressly for that purpose, or by unanimous
consent of the members in writing, all or any lesser number of Managers may be removed
at any time, with or without cause, by the affirmative vote of Members holding Voting
interests which, taken together, exceed 50% of the aggregate of all Voting interests other
than Voting Interests of the Manager. The removal of a Manager who is also a Member
shall not affect the Manager's rights as a Member and shall not constitute a withdrawal of
a Member.
(L) Vacancies. Any vacancy occurring for any reason in the number of Mangers
of the Company shall be filled by the affirmative vote of Members holding a majority
interest (determined without regard to any voting interest owned by a Manager who was
removed pursuant to the previous subsection during the preceding 24 month period.)
Any Manger's position to be filled by reason of an increase in the number of Managers
shall be filled by affirmative vote of a majority interest.
CONFIDENTIAFtLrM Be.S D Nr_GM_00012946
CONFIDENTIAL
EFTA_00123589
EFTA01268793

fgo-12-2007(S0N) 12:02 P 012/019
100 COMPANY. LLC OperathwAvvegneei Page 10
04) Compensation; Rcimbwmment; (tt:animal
on Expenses.
0) The compensation, i rani+. of the Manager shall be fixed from time to
time by an affirmative vote of Members bolding at least a Majority
Interest and no Manager shall be prevented from receiving such
compensation by reason of the fact that he or she is also a Member of
the Company. The initial compensation of each Manages shall be
rum. No Member shall be entitled to compensation from the
Company for services rendered to the Company as such.
(2) The Company shall reimburse the Members for the legal expenses
reasonably incurred by hint in connection with the formation,
organization and capitalkattion of the Company. including the legal
fees incurred in connection with negotiating and drafting this
Operating Agreement and reload dn.-ow:rms. The Company shall
reimburse the Members for any expenses reasonably inamed by
them or either of them in connection with the formation of this
Company, or the purchase of real or personal property prior to
formation of the Company.
(3) The Manager shall cause the Company to make an appropriate
election to teat the expanses incurred by the Company in connection
with the formation period bsginning with the month in which the
Company begins business to the extent that such expenses constitute
-organizational expenses" of the Company within the meaning of
Code Section 700(b)(2).
(N) Annual Financial Report The Manager shall prepare and distribute to all
Members each Fiscal year (no later than 30 days after filing of the Company's annual
income tax return) an annual financial report ("Annual Financial Report) forth::
completed fiscal year, setting forth at • minimum the receipts (including capital calls) and
expenditures (capital, operating and other) of the Company in sufficient detail to provide
the Members with a fair and reasonable summary of the Company's financial condition,
for the concluded fiscal year. Unless by majority vote, the Members direct otherwise,
the Manager shall be entitled to proceed with the management of the Company, including
the making of expenditures and investments, and all other matters within the normal aid
customary management of the Company's business.
(O) Right to Rely on the Manager. Any Person dealing with the Company may
rely (without the duty of further inquiry) upon a certificate signed by any Manager as to:
(I) the identity of any Manager or Member;
(2) The existence or nonexistence of any fact or facts which constitute a
condition precedent to acts on behalf of the Company by any Manager
or which are in any other manner germane to the affairs of the
Company,
(3) The Persons who arc authorized to execute and deliver any Instrument
or document of the Company, or
CONFIDENTIAL SDNY_GM_0001 2947
CONFIDENTIAL FirstBankPR000110
EFTA _00123590
EFTA01268794

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160 COMPANY. LAC Oprrollite Agreement Page 11
(4) Any act or failure to act by the Company or any other matter
whatsoever involving the Company or any Member's interest therein.
(P) Notwithstanding the provisions of subparagraph 10(A) hereof. it is
understood and agreed that the following actions and/or decisions with maser to the
management of the Company shall require the unanimous vMtten consent of the
Members:
(I) the transfer, assipment or other disposition of any Company Assets
in trust for the benefit of creditors:
(2) Amendment of this Operating Agreement;
(3) The filing of bankruptcy or similar reorganization;
(4) The sale ofa ll or substantially all of the Company's assets.
(Q) In furtherance of the provisions of this paragraph 10, the Members may
contract with any person or entity, including, without limitation. any of the Members, any
entity in which any of the Members may have an interest and/or any affiliated or related
entity, at reasonable and competitive rates of compensation, commission or remuneration.
for the performance of any and all services which may at any time be rte 's ry proper,
convenient or advisable to carry on the business of the Company.
11. Books and Records.
(A) The Company shall keep at its principal office or at such other or additional
offices (within or without the United States Virgin Islands) as the Members shall deem
advisable, books and records setting forth a current list of the MI name and last known
address of each Member, a copy of the Articles nod this Agreement, and all amendments
thereto, together with copies of the Company's Federal, and local gross receipts tax
nsnns and real property tax bills, if any, for the thee most recent Company Accounting
Years, and copies of any financial statements of the company for the three most recent
Company Accounting Yen which reflect the Company's state of business and fmancial
condition during such periods. Any Member may inspect and copy such records provided
such request is reasonable and is done at such Member's personal expense.
(B) All decisions with respect to accounting matters. except as otherwise
specifically act forth herein, shall be made by the Members, who may rely upon the
advice of the Company's accountants, and shell be consistent and in accordance with
generally accepted accounting principle', as consistently applied.
(C) The Company may make all elections for Federal income tax purposes upon
the decision of the Members; provided. however, that, in ease of a transfer of all or pert
of the Company Interest of any Member or the distribution toe Member by the Company
ofi ts propeny, the election pursuant to Sections 734.743 and 754 of the Code, as
amended (or corresponding provisions of forme law), to adjust the basis of the Company
Assets shall be timely made.
CONFIDENTIAL SO NY_GM_00012948
CONFIDENTIAL FirstBankPR000111
EFTA_00123591
EFTA01268795

PE0-12-2002(N0W) 12:03 p 014/019
Rio COMPANY. LW Operating Agreement Page 12
12. Aajggabilitv of Comnenv Interect
(A) No Member shall sell. assign. mussfer. convey. encumber or in any way
alienate all or any part ofh is or its legal or beneficial Company Interest without first
complying with the right of first refusal provisions set forth in paragraph 13.
(B) Notwithstanding anything contained in this Agreement to the contrary, it
is expressly understood and agreed that no transfer of any Company Interest (or any pert
thereof) and no substitution of a Member, shall be permitted under any circumstances
whatsoever if such transfer and/or substitution would, or could, (i) jeopardize the limited
liability emus of the Company for Federal income tax purposes or otherwise under
United States Virgin Islands law; or (ii) cause a termination of the Company within the
meaning of Section 708(b) of the Code; or (iii) violate or cause the Company to violate,
any United States Virgin Islands or Federal securities law or any other applicable law or
governmental rule or regulation.
13. cam:Ilion of Membership•
(A) In the event of the death, resignation. retirement. withdrawal, expulsion,
complete liquidation or dissolution or adjudication of bankruptcy or a Member, (except a
member holding title to his or her interests as a tenant by the entireties) or other event
specified under Virgin islands law as a an event effecting a member's dissociation, (a
"Cessation Event"), such Member (the "Withdrawing Member) shall cease to be a
Member in the Company, and, in such event, the Members other than the Withdrawing
Member (collectively, the "Continuing Members'), for a period of ninety (90) days after
the date of the Cessation Event, shall have the option (but shall not be obligated) to
purchase (pro rata, in proportion to their respective Percentage Interests, unless they
agree upon another proportion) all (but not less than all) of the Company interest of the
Withdrawing Member (the "Option Interests). if laver than all Continuing Members elect
to exercise this option, those exercising the option shall be entitled to purchase the
Withdrawing Member's share. In the event that none of the Continuing Members elect to
exercise such option, than, the Withdrawing Member or the executor, administrator or
personal or legal representative of the Withdrawing Member shall have the right to
transfer the Option Interest to the heirs, beneficiaries, disnibutees or other designated
party of the Withdrawing Member, without the further consent of the other Members.
The transferees of the Option Interest shall thereafter have all the rights and obligations
of a Member under the terms of this Agreement, provided such transferee executes an
instrument which reflects that such transferee agrees to be bound by the terms and
conditions of this Agreement and such transfer= agrees to pay any reasonable expenses
in eennectiem with such admission a a Member.
In the case of the death of a Member bolding an interest in the Company under a
tenancy by the entireties, the surviving spouse of such deceased Member shall become
the sole owner of the Member's illtereStS, and no rights or obligations under this
paragraph in favor of Continuing Members shall apply.
CONFIDENTIAL SDNY_GM_00012949
CONFIDENTIAL FirstBankPR000112
EFTA_00 123592
EFTA01268796

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IGO COMPANY, LLC Operantke, Agreement Page 13
(B) In the event that the Continuing Members (or any of them) elect to purchase
the Option Interest pursuant to subparagraph 13(a) bercat settlement shall be held at the
principal office of the Company at nth time and date as shall be not less than sixty (60)
days nor more than one hundred twenty (120) days after the Cessation Event. At
settlement on a purchase of the Option Interest, the Continuing Members shall deliver to
the Withdrawing Member (or his or its legal representative) a good cheek in the amount
of the purchase price for the Option Interest, which shall be equal to the Withdrawing
Member's pro rata share of the most recent book value of the Company (hereinafter the
Value' of the Option Interest), based on the most recent financial records of the
Company, as prepared by its regular accountant or auditor, with the appropriate book/tax
adjusnnenrs) for any accrued liabilities, as of the last day of the fiscal year of the
Company preceding the year of settlement.
(C) In the event that any Member desires to sell his or her interest in the
Company, he or she shall first offer such interest to the other Members in wilting. The
continuing Members shall then have the right, but not the obligation, to purchase such
interest at the price set fonh in any bona fide offer to purchase such interest from any
third party, fora period of thirty days. The other terms applicable to such right of first
refusal shall be as set forth in paragraph I 3(A), except that if none of the continuing
Members exercises the tight of first refusal to purchase. the selling Member shall then
have the right to sell such interest to a third prey. provided that the price thereof is not
less than the price set forth in the bona fide offer as herein described.
14. Dissolution and Termination of Company.
(A) The Company shall be dissolved, the Company Assets shall be disposed at
and its affairs wound up, upon the occurrence of the earliest of the following events:
(I) the occurrence of a Cessation Event: provided, however, that, 11
within ninety (90) days after the occurrence of such Cessation Event, the
mmaining Members imanimanely elect to continue the Company and the
Company business, then (A) the Company shall not be dissolved, (B) the
company and the Company business shall be continued. and (C) this Agreement
shall be amended to reflect such continuation;
(2) the an written consent of the Members of the Company: or
(3) the expiration of the Term: or
(4) the catty of a decree of judicial dissolution under the Act.
(B) The Company shall terminate when all the Company Assets have been
disposed of (except for any liquid assets not so disposed of). and the net proceeds
therefrom, as well as any other liquid amen of the Company. shall, unless otherwise
required by the Act, be distributed as follows: (i) first, to the creditore of the Company for
the payment or due provisions for the liabilities of the Company (including loans. if any,
to the Company from Members), and (ii) second, to the Members, pro a in accordance
with their respective positive Capital Account balances (after the allocation of WI items of
CONFIDENTIAL SDNY_GM_00012950
CONFIDENTIAL FirstBankPR000113
EFTA_00 123593
EFTA01268797

.fElfhle-2007(11011) 12:06 P 016/019
. .
• ISO COMPANY. 1.1C Operettengreement Page 14
income, gain, loss, credit and deduction (or items thereat) ender and pursuant to
paragraph 7 hereof).
15. indemnifleatinn of Grantors or Members.
(A) To the extent not inconsistent with the laws and public policies of the
United Star= Virgin Islands. the Company shall indemnify, defend and hold harmless
any organizer of the Company and any Member (and any affiliate thereof) from and
apinre any and all claims. demands, liabilities, costs, damages and causes of action, of
any mature whatsoever, wising out of or incidental to the organization and/or
management of the Company's affairs, except where the claim at issue is based on fraud,
gross negligence or willful misconduct.
(B) The indemnification authorized by this paragraph 15 shall include, but not
be limited to, payment of (i) reasonable attorneys fees or other expenses incurred in
connection with settlement or in any finally-adjudicated legal proceeding, and (10 the
removal of any liens affecting any property of the indemnitee.
16. Miscellaneons Provigjgna.
(A) The Members hereby agreed to execute and deliver all documents, provide
all information and take or refrain from all such action as may be reasonably necessary or
appropriate to achieve the purposes of this Agreement and the Articles.
(B) All notices provided for herein shall be in writing, hand delivered, with
receipt therefor, or sent by certified or registered mail, return receipt requested, and first-
Flan postage PrePaid, or by overnight courier, to the address of the Member as shown in
Exhibit A, unless notice of a change of address is given to the Company pursuant to the
prenisions of this subparagraph 16(8). Any notice which is required to be given within a
stated period of time shall be considered timely if delivered or postmarked before
midnight of the last day of such period. Any notice made hereunder shall be deemed
effective for all purposes and in all respects when sent (or given) to any Member at the
address set forth in Exhibit A hereof, or at such other address specified by a Member for
which notice has been received by the Company in accordance with this subwmgraph
16(B).
(C) This Agreement and the rights of the parties hereunder will be governed
by, interpreted and enforced in accordance with the laws of the United Status Virgin
islands. without regard to principles of conflicts of laws.
(D) This Agreement shall inure to the benefit of and bind the parties hereto,
their respective estates, heirs, personal or legal representatives and (subject to the
provisions of this Agreement relating to transferability) assigns.
(E) Unless the context clearly indicates otherwise, to appropriate the
singuhv shall include the plural and the masculine shall include the feminine or aeutcr,
and vice versa, to the extent rat-emery to give the terms defined herein and/or the terms
CONFIDENTIA SDNY_GM_00012951
CONFIDENTIAL FirStBanLk PR0001
EFTA_0O123594
EFTA01268798

.FEIJ-l2-2007(N011) 12:05 P.017/019
\_-
IGO COMPANY. LW Operating Atretalent Page 15
otherwise wed in this Agreement their proper meanings. The term panics hereto
includes the undersigned and all subsequent signatories hereof.
(F) This Agreement and Exhibit A attached hereto and the Articles set forth all
(and arc intended by all parties hereto to be an integration of all) of the promises,
agreements, conditioos, understandings, %warranties and repretruazions among the parties
hereto with respect to the Company, the Company's business and the Company Assets,
and there are no promises. agreements, conditions, traders:endings, warranties or
representations, oral or written, express or implied, except as Set forth herein.
(0) if any provision of this Agreement is held to be illegal, invalid or
unenforceable under the present or future laws effective during the term of this
Agreement, such provision will be fully severable; this Agreement will be construed and
enforced es if such illegal, invalid or unenforceable provision bad never comprised a pan
of this Agreement and the remaining provisions of this Agreement will remain in full
force and effect and will not be affected by the illegal, invalid or unenforceable provision
or by its severance from this AgreemenL
(H) This Agreement is made solely and specifically among and for the benefit
of the panics hereto, and their respective successors and aKignt, subject to the express
provisions herein relating to successors and assigns, and no other person or entity will
have any rights. interest or claims hereunder or be entitled to any benefits under or on
accotmt of this Agreement as a third-parry beneficiary or otherwise.
(I) The terms "bankruptcy" and "bankrupt," and derivations tarot shall be
deemed to refer not only to an adjudication of bankruptcy under the Federal Bankruptcy
Report Act of 1978, but also to an adjudication of insolvency under any stale or local
insolvency statute or procedure.
(I) All amendments to this Agreement will be in writing and signed by all the
Members.
(K) All headings herein we inserted only for convenience and case of reference
and are not to be considered in the construction or interpretation of any provision of this
Agreement.
ad This Agreement may be executed in several counterparts, each of which will
be deemed an original. but all of which together will constitute one and the seine
instrument.
IN WITNESS WHEREOF, the panics hereto have executed this Operating
Agreement as of the date first above written.
CONFIDENTIAL SDNY_GM_0001 2952
CONFIDENTIAL FastBankPR000115
EFTA_00123595
EFTA01268799

• XX COMM,. XLCI,A_MBAspogAmi h. IA
[CO COMILA.N1,, T24 °AERATING AGILCF2ASTFT
CONFIDENTlekL„.„.S ONY_GILL00012953
CONFIDENTIAL
EFTA 00123596
EFTA01268800

FEB-12-2007(NON) II:05 P 019/019
•
. ,
IGO COMPANY. LLC Opera/in:Agreement Page 17
ExhibitA
Capital
Mcmbek Copoibudon Interest
Jeffrey Eµstein 100%
CONFIDENTIAL SDNY_GM_00012954
CONFIDENTIAL FirStBankPR000117
EFTA_00 123597
EFTA01268801

DUE DILIGENCE FOR HIGH RISK BUSINESS ACCOUNTS 1 First Bank
(CHECKLIST)
renew we its one
Minn !Sumba,
=Go Carpry
Acceurd Title
H he ig t h d R o i a s p k t l O y. u C sI re n m e e e H ne ir r t e C pa as v k e A a u n tr n es e t a or l s d H ue o d uk e , r ( m be a a t I m f m lef o e r t e to C n a o n f t m he e S b T p hs s e o rv f a O rk u in re e a a s s P a la p c p e li e o s. r t B h e e r n si n fo o l s lo s w P P or s n r t e q f u i a re W en e e :n ne e s f e e r s n u n F d ire e r t y c p o e n s s t u a c n eo n n i n a * t * h e
chin has not yet established a lanky% then out Manager (BSA or Weld Menags0) inUel approve the den er completing the Observant* et Pine of
Business Form MI Tgh rbli- businesses are rot inessariy nod below. It you believe a business to be ihign net, and it is not isted below. you met
contact the SSA Compliance Office br guidance. Where BSA COMplandtt onto't itan or ippon is required. Ws repunenent cannot be waved.
Notes:
▪ FirstBank don ggy open a xounts for foreign businesses not registered to do business in the judicious Inv/ICI the der& operates. ie. the
Unites Stales of America. United Stan Vagin :sands a Mash Vint bonds.
b. FirsiSank does pin epee nor maintain amain% for dints who engage in crony rannence Cr chin cashing se-voes
e. Firstnrai don n1 open accents for buns:nes 4vorporaled in a Mancini haven Caney.
0 ninon,- a • insentient (Credit Un one Cernmerbal an Pnvale tenders. NOW. FeRSTRANK don not open accounts for moneytransmitters or
organ Brokers. Rine Rases aid banned Banta) check cashing buena*.
0 Non-Bank Firanost Inhume (Currency Exchange. Foren Exchange O OCenfleva =aunt, for Fib:mbar and Hon-Bank inettureore Do not
and Casinos) fence Pe *panel of FxstBerk's SSA careAsime Denement In Pa
case you wit-
Need a teller form to eustmer on company letterhead
Steno the ad cut a is we era nooses arty, and
No customer funs call row 0V0.20h the ac Jot.
- Teed paten cenrKe fund neranng axons
O The BSA Cannon Officer approval nand Works Winne far all
other types d ants. Cal 17879 03-6130.
q Cann Intensive Businesses (My Mel business Mose Vernon VIM tie cesen of burns and compaile the tbeetVabanS at Me Pace of
Probe shows $30.000 a man in nen per week and who is not a Business' form. This mart be done nein 4 weeks of anon:plowing If trvi
recognbed boat rennet or name cheln, eg., wegreews. `GI bans la not bond In your mensons (rscan, nose In San Juan ere
Frays. Chile. Anne. et.) VFW an aCCOunt In Hen Hey) the Ban Mar Openn; the aabocit oust
nitecale the reason for opening tie accovu hate Brim, or We
Foods and drinking non Obeervinne at the Place of Menne Form and 'nary Pis expannot mans
Gantry SUES Dueness sine.
Bac ins and (qua Seta q d'ae veiny t owes* pan ATI& we 'bated pressor Oren Ste yes
cOten con at Th Pee, AGietonscgs
Art dales ri if re business sets monetary insykments (ropey order) ens PrePact
Vending Innen Operators C.IalS. OMB c COO/ a die Site, Agent Agreerren:
q Teleccammaittner Phone Caro..' Telephone Cenral
q Travel Anon
O import/ Export Business (Physical Women m Ore a warmouse can
be observed)
O Jewelry/ Gen Plecious Inns
O Beeman pnoessiesetal)
O Gee Stations
O Gachingterring Establish/nen% (> 20% or me activity)
q lincaVEncel Brost (rent takes °mansion argon', taw home Cretan et hest 2 o, ran of any of the ntonws downer% (copy for the Me)
based a no Orvecal locialtan accessible to demonstrate balms) q Invoices
q Used Car Sale On salsa location) O Mooing ebonite
0 Freight TranspOtakel CI Contract,
q Train and Eiround Transporlaton TIM ddeUrlate3 net be suppettere Of the intone of boners anticipated in
O OliSliae Cceinnticro (review the Midas of Incorponlion If Conran Fa TranerneOn non Fa wounler a a Conan Indfcaten etet wren in
anon* nee 'boner sawn donor open the aCCOMI). UAW no $200,00) wen all be recetved. 2 invokes for WO We not acceptable.
olrOarralanCOP may es Waren be Moab:wan in a Mendel hymn
county. Soo tea Inn anew murexes.
q CanScelnalene Deelentlip Semple IRS Form $300 for review. If posentel client exacta that can sates
do net exceed $10,003 pet east thee inOnie trils on thi Obticentcca al
O Stott Mingo Pt Pine of Buena ten.
Vs* the place of bairns and connate Me 'Observation at the Place of
Maness' Iona. The must be done wattle 4 *eon of account owing If lee
Ware's it not Hated 11 yet marketplace 6e. dent Ins n San :men ted
oaecs an account in Hato fan) be Bank Oakes opening be moan' must
'macaw be reason Si opening the incount r MIME Blench on the
Observant, at ns Mace of Buenas Scan and My tis enlanaeon makes
trainees sense.
O a in n te d r n s e e e rv B ic u e s s i n a e m ss e th s e - I M nte y r n b e u t s ( in N e o s t s a t h to a t t a s l e O ll u s t a le n t t r a e t n I o M r O ly h o a r s le n d o o b n s M YO O U M M in il a f n r d e r i ia s t e h m e e % n % t o s r w n o o o g n g : i u n m cu t b h i a t:1 t e 1y w S e i C F r I n R o S n T o S n A a M g E o n ( I t S ha O t ro M ue *
Dade), adult entarkinmenl porndconny. etc.)
NNNS-2463-0207R
CONFIDENTIAL So Nr_Dm_0001 2955
CONFIDENTIAL FirstBankPR000118
EFTA_00123598
EFTA01268802

First Bank
DUE DILIGENCE FUR HIGH RISK BUSINESS (CHECKLIST)
Together we are one
ount Account Nurnbet:
IGO. LLC
n n o o d frl i u e è i : e c . e g d n e s l a s t n a s h c g a a o a M n n o t l s i y M t n . / t a > u e e l s n n y i a n d e e n e 8 b H s e S e , s n A e r ta w e C t i M t o n i n n e I M f t i t s in y o a B e c r u n u k • c t n t r e t I o n i o c c e n n . o u . s i i r i e e b s d s e o u a a l e u a n > t s r o u u d ig n ' s r n c e i o n o n r M e r e li * M e e c e . t a C o I e n f o a r O m r t g r n e e o e l e - r s r n e t e a m e t n e h u n , i o r s n r c o t d d t o e e i . n l g l T . e e n a e t v • o r O p r d v e l e i i e l v I ! m o e n f a r r e v t e u e n n d n n o e e o n ' n a n l , e i y a C n l s l n a d % a n p n o b p e o a a a t m i e O n p o s c * . b l i ' M e n , B n n o e u g u n f n ! f b n o M le l e u s u e . O e t , F c b M o o s e n r e m t r n a e ' c t . q r t o u I B f i n r S a e F A m & o e C r S m n o a n . m n f a o p A a r l a l e i n s l l i t t e e U e n O d b n e n r c e t e * ' n * b f o o b o r f u b n ch s b u r * e o s c * n t l i e o o b n * r a t M n i n e e e d t
BUsit.Ess Todt TION
q Firencie Inviterons :One Union. Cormaioal and Pinte Letdes. • FIRSTOANK dons not open 'cornant money transmit/ers Of
klangspe Brokas. Pente Bara and Naçal Bank) Choc& °aligna buSintat.
Non-Bork Finance Inanfulle1 (Curency Exchange. Foreign Exchinge q Ografing accotants for Finance' and Non-Bank t'Iseut** Oo Mt man
and Cano) the aplat* of Fastrionk's BSA Complu** Deparnert. In tos Pin
you mal:
- Na* e leu lem Me customs...A ccereary Itetteheed
- StaIng no aconit s for oparallenai putes* onty. and
- No cusbaner Ends on flow evough Me occo-tmt
.. Tord parles cerne End °permise 'économes
Q The BSA Onan* Officer rem* induire plot Menin 6>r ap
°the types of amonts. Col 7874.3•5150.
O Cash Intensive Business (Any fana benne *tee frareinion Pelle O Volt tente cl bonne« and one«, Me 'Olten** at the Plexi of
thon $30.030 or more ki cash peton* ce Men nota remred Bukets' feras This must ln dons wain 4 ne* af /excise cponing.
nana or nana chan. tg. Wales* TOI FrideYa. CM* M.I . Me banni is no *Mec' kh >ou Macke** e Custom« ives In
etcl Ponce and open en *nef en Mate Rey Buech) Ma Bark Offne OPeen
- Fax's and trente Noces ae =cent fatal inenand te remon for opvang the tenon, et Brunei
- OeceySlcm en the aderyallein, at the Place of Business Pym and nho dis
- Ont. nt am lØ Store espion** ma*, annua sno.
- Arl *ara O ATM. Verne if tetand **I KR* ore bøfed or aie erses. 1 yes.
- Vexa* Atikhrie Operelois oloWn ropy of Thied Party Agretrnents
O q T Te re lfe n t t n A en g u e n n ic * a tionsi Phone Carde Tdephone Cents, I c f e M t e . b * u t s a in i e n s s L e s e e )* ls c m l ro o e n e S be a y o in A st r r e um t A e g n - t 9 ( " m W u e re ' r miel men. artsalt
O fingwo &port assenas (Physnal inverroxy in ale. Cf earthouts cen be
observe*
Jenebyf Cern. PMC4CKIS lattalo
Q End:or* Werniennur)
Q Ces Stbcns
GernelmeGarning Estatersheenn (> 23% of the awshity;
O adentodert Becket (never tee ocosessfoef of Boods, on' nome boa O01en et mat 2 «moro oden at ae teloning (PR* for imew)
or no ptySI l lovdon accessit* lo denonstrala business) In gie
O Und Ce Selo rte sales *ultra>) Stepping documents
CI Fragral Transporta:on O Contrat°
O Trend se Grot d Tnneertenon These mat bi sucent** the Paume «bennes, antoçetsd n une
O Off-Shore ConnelliOnt (free ire Altcl, cf Incarnant If Collonte Tranedon Profile. For temple Ife ceneare Kama matven, in
Soodure uses ton, *haies' Orte no open me *oison°. Under no 520e 000 range will be renahed. 2 honnies for 5460 are non OCCeptabla
drcornslanCes may me business be intorpoorted in a Rundel Iman
country Sen Ir s letng of meus confies.
CI Canto* Plane D'airelle Simple VIS Fein 8303 for rovIere. If =amer mclooles cran sen 6' net
Q Sole Broient a ol i B re o * n n M e e * t » om t l . o s custom* nickel. Ma on lie Obscevatons et the Pd*
Vtet !hep** of business and emtes Be -Observa** at the Place of
geints.' ken. Tm., must a mn* 4 ne* cf accourt opta* Ir the '
boupnseiness is no købeis yOu ranuance (La Customs toes in Poncer ro
an amont en Gagers) ma Bank ON* *en* ne amura must
MM* taaol renon te canna ne etetter ai Brandton Mo Observatcn. al
the Place coelome Form end etry ths en:Jonglai. moka Darien sana
CI dondon Banne no minera aa CIO adrets in ne unitoo States Nye: AI prenne. FIRSTBANK does net open sonne for forer
(rrelebog Parte Rico). United Statu Veen Islands. or 8nIsh Veen business not regIstered to do business**. United States.
fends
O Interne Buimena - Any tonie*, te sets te mette of ts gonds and You must reiove ne verbes ni en** tal the*** infamie* est cØ
sentes ove? Me Umm« 'Net e malouine ned no has •.«. page remet eti nimber:saune or nagaive Çaderity for FIRST BANK. (Exemples:
antit enttebrintriort. rooreorooffy.
O Pinne* Investiront Company O Opera rag eccounto for leneenent butins do no, relu* roe approyelcil
imemeniert %tannerie* 8*.ness OSA Cori:Won. M tus ont *une mea
Q Won.* Monapernent Sunnas - i m s e fo r r s o - c b e a ra n ti o tl n e a l t p e a r p tr o e u ° o a n n c d o n m a p c a r n a y b le e de * r I f v ue e d * s am f g re t n e Ø t a u cc 4 o ur m s e
accoLnt mira pantin *mol had ae *ente amant.
O OSA Compton.* aman* repart snor b openg for ad «bat WHO Of
aCCOOnte.
- CObie lof BSA Canular* redent
1. A coeyof the Cuseante fl an**
2. /darne. morary rente* and social sec** nuoser for Lech
brelan mn* (ALL INVESTORS MUST RESIDE IN U.S.)
3. Standand «arum orbe deannasen
Nos' Urne no cecumeanen mey ne bosons be inter:ore* h e
trondal :aven country ( sa rang co Mess *urines)
Nette Pesons' n'intiment Compaties (PIC). Men, n".• fint* is itrenftl0
pen Anes ;no mentor one tan tne tee* or rily mentors. CM
ne !all al cos cemgory of Ms is no! 'NO fur und *es MC recale
OSA Ccereliance won,* end no orner **tond due *feinte
reavis
Flet I d2
Kea 4463.03CSR
CONFIDENTIAL SONY_GM_00012956
CONFIDENTIAL FtrstBan kPR000119
EFTA_00123599
EFTA01268803

I First Bank
DUE DILIGENCE FOR HIGH RISK BUSINESS (CHECKLIST)
Together we are one
Account Title Amount Hunt%
GO, tIC
s N M d A u o i . e g S : e e a h s a s l n a R s h d p a i a e s p y s k l » y a n . B W o $ g u : s e c e n i d n d ( : n e E D s e L a s S O i t d A r d S e a C c ~ l e e li m a n h If e e t p y m d e l o e d u n a d a c i a t e s d ic h e s c m e o c i d n m g a s d y a u u ' a i a t e a a b n d d t u i d o il s s i n g i o n o e o u e r n s r s c m s a M e o t . r o a I e r f n o b m l n t n e o o e ; r ' r h m n e i M g t a u h k u n t v O r g e e f o a d M " n p ' t e y e h a r e t ' o y n 0 d v p d a 6 e g t u O a th r i f s e ø e ~ m n Ø e d o e e n t n l a M l y a c a t S i n M n a n P c i t o c c P a e t e M w n b 0 e p e . 0 l v i M d S e y n e o n u g n u t a e t k r d r k a e u . e l s o a s w O F t c r d e o o e n i f e r n e e t e d b g o l I B i f k n S e a A F l l s g e e C o n n n n o S m g k a / p r f r l a l e i S p l t c M W • O C S W W a d e s C I r t e n O b s ø f t M a r s u r p e a ct e c m o t s n io a o n i s s r M a n t n h o d e < I
RUSINCSS TYPE
o
h M y o m ng n eg a ie l I B n r f o l k ic er t s « . P . ( t C 's re . d e S a g n a t m an . s C R ra a m tio m n e al r - B a: a e n n k d ) Prate Lenders. Note: F ch IR e S ck T B c A a N sh K i n d g o b e u s s n in o e t s o s p . e n account for money trardmittena or
q Non-Bank Flamm, Insillubon (Currency Exams. Foreign Es:hinge O Operand accounts dr Financial and Non-Bank InsItulams Do not name
and Ceeird) the approval of Padded(' RSA Compainca Department Si the Moe
you sot
- Need a letter km the csatimer en company learead
- Stang eie account le lot oceregmal purposeerunkl. and
- No ~bone knas woll now thfCleah Se Walt
- Third pares cannot Mid operating acoMfs
O TM BSA Cent:Canoe Olga< liegegal required Cede to opening for all
amer tads of Ønte. Cal 787-493-5150.
O Cash lottame &Snell (Any~ [minim whom nrinclion Prega O VM the sass of business and ~Mee the Moserstens at Ne Place of
shows Ø.050a mare in cash per wits aen who it notroat recognized Business* Sam. This mat be dent Seen 4 weeks Of sossm( open% II
regional er nattnat Main, • g Wil2fSna TGI Fedata Cield.SN90. M banene no bated in you mangler» ( Osonset Law fr,
Mt) Ponce fed Dean sn account in lab Rey Branch) ea Bent Office owing
- foods and drinking Moss re account must Mimed Ike renal fa °paw.; re account el Branch
- anearena Sara on the Observation, at eie Place e4 Business Form end ray this
- Beer. MM and Mum stye explanetion mats business sense.
- Mdcelers El ATM. Verify if onset,. owned ATMs are located on M ~sea If yes.
• COMMI Tam Party Agree-acme.
- Mirage Wacisne Opniora CI If ve Intilettel sells monetary ant:mend (money order) antra coca
Telecemmunications/ Phone Corgi/ Ttlephone Centers MS. obtain copy at no Sej“ Again Agreement
D Travel Agency
q Ynde' Export Apemen (Physics inventory n share or WeeehOlat Den ba
observed)
D Mairyl Genf Proada Metals
Ebeaninat Intedesalei
D Gas Steers
GaTiMexpGarning Estatishmes is 20%ollhitaCevily)
Inderttsperl Broker Neva rake cosenalon of Wet ~Mete but Obtain at east 2 or meta of any ofre Mowing (copy for the tie)
or no chysiza.lonahcr aocetuale to demon:veto Øen) Inmices
D Used Car Seta (no tales iccallOn) q Snmeng doomenb
D Freight Trampartaion O Conrad,
D Transit anc Ground Timsportagon These must be supperene Of me volume 04 Manse anecipated in the
D Oft-ShOre COlgodanS (mien me Areclea of Incorporation It Corporate TfOrtillt6Cel NO*. For emnple: If a company inicaled mss wires ln
BØ uses Many shims- do no open Lite •Mounli. Meer nO $203800 range will be recdved. 2 maces for 8480 Oro not acceptable.
~Sams may the tininess be inairmate0 at a Mandl ht•Iln
GOYA". Ste for • listin2 or Seem CConMe.
q Carffloett Piano enters» Sample IRS Form 8300 Ira man d Cuilørneir inddates ash miss do not
q Sleek BrOkenige mooed $10.000 to • customer. Skab this on Me OteentstMis et ow Mace
ea Business km.
VM the Pete of business and compba the -Observations at the Pete of
Business' Pan This ruel be bone went:amen ot seteuro met". KM
business is no located r. you marketplace (,a. 0156:01•T INGO in Ponce and
opa, an 3CCO-ill in Caguas) the Bank Office meting Me (mount mat
Indicated the reason for <caning he account at Branch on INC °Merman Ill
the Piece of Bushes Form end wins Ula eMeneiton makes Menem sense
D Foreign Baden no regMeted to de litainas in the United States No*: At present, FIRSTRANK does not open accounts for foreign
(including Puerto R103) United States Vargen Islands. or British Vagn business nal registered to do business in the United Matta.
Islands
q kueiret Bøauren -My gams& that sib the nap:city of nes goods and You neat men/ the websre lo ensav that there d no informirbon that co*
sermons rust heimset (Nota retail oast ret ado ha a web piped result Si embarrassment Cr negative peudiaty for FIRST BAYS (Example.
adult anstairiment pontograPhY. etc)
O Personal Investment Company Q ~no accounts for dynane o! business do not require Me ~al Of
Investment tanagemanI Baines; BSA Conlon(' In the case. you va need:
CI Money Moregerani Baines - Ad fo d r e o r p s e o re m to th n e a i p pu a r l p m os s e - s m en c d o n m o p c a u n s y to le m te er r n fu e n a d d s s w la il t l i n n g a v th t e r o a u cc g o h u n ti t e
account. Third prima ~at hag the onus; mart
CI BSA Compliance approval require pir to opening for se older rates of
amnd.
- Obtain fer BSA Canclume ream.
1. A cord of tne customer agreement
2. Noire. pinny,/ re4Nerm and bad& soma» ~Ma tor each
bilmaosal owner ALL (Da STORS PAJST FtESIOP IN US )
3. shams aØrl opening commondion.
Not: Linear no circumstanced nay Me Manes be norponted in e
RUINS haven coxed ( see bang of Mine ~trim)
Note: Pence* inveanent Companies (PIC). anent Me MR» I6 Investing ds
renn hinds (no Myestix other then to agnen or lardy members. does
net SI In me Sidney of PIC; Is not Mgh Mk' and degas not require
BSA Gannildabaroval and ro opal sallSonal das ~arcs. s
reguinst.
Papa d2
--CONFIDENTIAL SD NY_GM_0001 2957
CONFIDENTIAL FirstBankPR000120
EFTA_001 23600
EFTA01268804

BUSINESS TYPE
O O O A L m u c o c g m o a v : * n S E te c is b r s a r e x c T m S e x o P rt r i e e p s a ratki; and Peyrol Senna. 004 • • a Irt B C ' e W o y n t t w r S a o c ( t 2 s S ) O w O M it f I h t S h c e u u r s f g o to i l c e m r a M e r n g (cape= ter NI)
Cce•thter System Design and Masted ServsCte • Telechone yerAcitato vath customers in lieu of ochre=
• Copy esteems to win in a parsculer business Of required by
your state)
• My doormen loom athed piety 10 the owrierfSignectuSnoss
erderung that the busitess* ecillegedbi me sort/ they an..
which can be ',weed by teterhOne.
If trio Overuse owner has maintained Ns Pend** dieddna eoccur of
eegithef dress etcowe wsh First Bank for 8 month or more or longer. The
Minch Manager may weer the requirement for ewe=s ocneirts etc If
deemed prudent to do so. The fotiormg infuriation mat be documented ha
ate accourierratorsh* ale
• Oafs nous
• Cuelontr a other business account number
• OS Ce•mal
O Burets ACCIroone 'hirchOsTYdlehU Binh melleemont must provdo• jutfacedon memo to be kept on Ma
logenttg On meson for waling tM relefership. This jusblorson Shedd
deettylndlegla the elleflonstip betas Pie Branch customs and I. third
piny whose Chocks we Oohs depoSted. Al recant documentation. e.g.
Cullefeet Cue Dilgorics (COD) Probe. astore contractual epriternents. a
IMO title bralnomater Culterneet etc must be UM wt the Juteactidon
memo. Needs the aggfaill el the Brame Menace.
q & G n ts b e r e e t i h e r e no /C nt O s esuleles and other Remesentelive OMP S of Foreign CI T ,p h e e a M o A f a C c o c m ou p n la t n c C e a P l a 76 c 7 e - r 9 a 60 g 1 r 4 o 1 v 5 e 0 l . r oehircd prior to opening time
CI °WOW arosaanions. Not for Prot* and trioaan Ovanivives Obtain the folormg nfirmeron and document on the °beer-shoo at Piece of
— Religious Orcesnintlens bushy. dominant (0005$ on fro)
— Grant maim* and giving services • Anon and cciective of the. actletles
— Chic arc Social Orgenuatens • Orglinkston structure
• The donor and volunteer base
• Furring end diftursenurc mum
• Lame COntrautOM
• Anniston with <Mot Olarriabis Grope
• Furdng and Olainernont oltw
I
[Ohl*/ Oepoal grafter Than {BOOK The Source ce Wealth must be dolartrimat aid Refer to GMe Ice
Instructor*.
I hove *Merge the customer el INs Prospect and thltlenined that this Is not a hit risk business and the SiXthinl Opening request was:
q APOIcced
C Denied (Reawl
q Appeoved subject to
IbalowkwanerNsmelOmmancsurg•
Frani/U. Del.
TM • Camas SNOW high Mk Ottslitoss and Oo OCOXIMODening mount wet
O APPrond
O Pled (Renton):
O Approved subject to:
Business Manner NanerOpaerin Obsc90 Signature Date
MINS-24.14•011/ one a a2
CONFIDENTIAL SD NY_GM_0001 2958
CONFIDENTIAL FinstBankPR000121
EFTA_0O123601
EFTA01268805

DZ:Vank
Client information Sheet (KYC)
Ca 0 Omelet» Account,
naliaximiump
Account Title ("Depositor"):
__ 130. CStt9any , LLC Account Number
S.S.TWEIN:
Physical Addredia: Mailing Address:
ylets Dtil 14.01 0 i a ar I et* 63 Songs
Qt. TIN pietas the VI 00102
Sus/nest Telephone fl ;Mg -1-IS-2ear earner Feet 3442 —VT s-sros IntemdMeteite Maya
Line of business. ap‘AAANCkkont". Q..% NAICS Coda C-2- 3,4soc Dale Estabkhad: (2.-- 4 - .20(4,
Annual Sales: S set of OlSastaranches: .. cr Nbr. of EirplOyoes: — Ca--
Property Statue: O Own 9.,.Lease Referred By: O Advertisement 9„Current Client °Other.
Contact Person Name &Ads Seem „ r ltrA na Contact Posen Teleplanets
2. Account Typo
a Sole Proorktonwp O partners", 0 Corporation 0 Non.pmfit O LIP u.c 0 01cr
meanial Check% 0 Arranged OD I 0 Ctelsercial Ststerere SY 0 coorwom Fatoxic Shires
? 14/ommeroal DflACIttai-9 i O Arranged OD Offshore (Bil) . O Comnstreal DM Starve SV 1 0 Government Pasetcos Sein'es
0 Govern« Chockrg ; O ATOMS OD WA 0 Coernerdzi )tedrizer Sv O CerAcelo of Ostia,
C Corti:exit( Cbeddrg iCISX i EiGoverrneni &Semi SV O Commode CSA Madras SV 0 Cole-.
3. Au t hori7ed Signer (Complete the following informatics. 'nr eacr authorized Stoner.)
Autherized Signer Maine: atry grey Tee.r.s. -.., Gender: M EfiFD Corporafe Tie: Ille..L -
Physical (Home) Address: L.tcc. sr t Takeo.( Personal Mane Address:
. , s • -- o • .. t I" 0. -2 ~en- to t CO Di.teltdcatesucotio a -
• At "Mont tiSe t D6tO2 Se' Werra.> 414 C. C080 -a-
Socks Claw Cs tart Mao* Of ME Citizen Cit
l' New ark LI sit)
Wanes Fax Number. Wass team end siSdnen:
tenn-II s -nee
en Photo Itiontlicapon IdsnefIcation
:y , AC EXSY MS 9 N explain why: C
SSN Response: Year 1 Sate: sP-I, ID Response %cc& -sous
.. 141/ . ,
O BANK REFERENCE requested O Yes O No, ealsinin why: )JO MLA air ••••
Resp on se: ,
1-1 cs 11s..9ce
O Ova Ws 0 Mare are additcrialt2t3mrev-e4rnrsH0o Lien Inkenation Sheet (KYC) Caine., ACO3Unte.
4. Account Agreement Acceptance and Taxpayer Status .rniticalum
Ti,. Papeete< hereby owns, that ett FraBarsx nee teen designated an Oepostony of the depostor and that t has reverted the information accused
In ris art informaten Sheet (KYC) and finds Ft satta on this date. The Depose°, has received and oars to the Tents and Aperients for
Commerce' Account* and Rates and Fees Selectee currently r ~et sad as may be amended for the typa of account ana iterAbas t has selected.
Under wallets of perjury, as posta aeries that it) The arvler Maim come /orm is the correct tax dendlomon net ara (2) thet the
Conaster is not subject to sacker* nenhokbrg *see beam Welts not been Wetted by the Intemet Rawnue 5~01 (IRS) that s is sopad to
~toting manses of faro to report el "nurest or &Monet a (b) that sot IRS has reefe d me Deposit that t a no long,' whoa to tackup
nereciong or Shear« from backup withhoklirs. (3) me Detester S a U.S. atty. (C out subpart 2(a) it it is not tn... If Statement 3 is net
bus, cross Out and complete en appropriate Form w-e)
The Kemal Rennet Service does not require your come pre led of this docianent other than the Certification required to avoid
backup withholAng.
Date we The: (SecietaryfremirienCashieg
4
i. Initial a . • .511
Type: CI Cash r hes 3 Trans* i 0 Ng CrkitrayCiccolawlersitt O Other Amount 6 0 0 -
6- Expected Transaction:: (M.nthhp
Do you intend to deposit checks with second endorsements? 0 'en C No
Do you provide chock cashing or remitter services? 0 Yes 3410
rCONINC.-chte.ntiraerdons: O 0 - 10 . ,O 11- 20 - CP21 - so . Cl ate..
— Tokisnourk (SY: - .. (BO • $å, 55,001 • S15000 Ci415.001 • $SO.000 0 Other
Type: 0 Cash tatted* 0 Aware Trenton Q We Transfers 0 POS
0 Payroll 0 Direst Chpal O ~sea CheelaMoray Onion. CIAO< Metter
Desk No. of Transactions: 00- 10 0 11- 20 f2/11- so ID other
TObli Amount (5): O W • 15.000 0 /0.001 - 115000 ErS15C01 - $60.000 0 Other.
Type: 0 cabs acmes» o Moan Trendies CreYire Transfers 0 POS
0 Pena 0 Mod Depose a Maws(' Checks/Money Orders 13 ACH 0 Other
7. Related Accounts ,I. enstinFreievelatelcorreeinaiev.i:'
Corse CI Tee p No Axtios Current o Yee 1:1 KO ACC"
I eceCOUnt fie, i .... Account Tee:
I b itOnd Grouret, IDS.
releCell osmotic« %arose Matteson:
terataami sir ~se e • onus., ernssigais Anne Am
PaVe5.23)0-050te CONFIDENTIAL SD NY_GM_0001 2959
CONFIDENTIAL FirstBan kPR000 122
EFTA_001 23602
EFTA01268806

C. Additional Authorized $• nets nplete The faro lying :nrOrrnation for c uilivraccf signer )
AlltliOrked Signer Name: .-t coutio.c. (3-c., was Gender IA El Fa Cann In Virinma .
Physical Nome) Address Personal Magna Address:
bias Ertl I•lots I.- Quart.- R../2
1.4i ila inn. LLSY I O 6 tO 2
0sta Of t Place Of Birth ' Caen Or.
e. I LAI LA
o.nl.or e, auisinsss FaY Minter Number Email Aness:
VID -75 s--
al X r Identlecattn Expiration Dye:
Ac -el. . I • - 0
O4EXSYSTE
SSN Response: Year iCtia State ID Response: tee- "'
04 0 BANK REFERENCE requested CI Yes : 1t. Pain why:
Rennet
Authorized Signer Name: Gender lit CI F Mkt
Physical (Hate) Address' Personal mai(
SociaiSecutIN Humber. . Da Of III Pace Of Inn I Caw Of
I
Nome Tesomete Number Mass TelpherMentor. Fax Humber Mom Hunter DeadP an
Yrs n Pepsin Phel0 klereletedon Type IL Newts: i j aNrelfcgcn eseweron Cale
0 OFAC NI CHEXSYSTEMS called ell L3 No. ear sari
SSN Response: Year Stab: ID Response:
DPW BANK REFERENC requentl U Yes U No, edgflein why:
Response:
Authorized Signer Name: Gender IA Cogine Tillu
Physical (Horne) Address. Perso ailing Address.
LWOW Securby Nonce Date 0t Piece Of Mt Cain Ot
Han Telethon Mater I Bunn Telephone BMOCS Fa:Number Matt Number: Ent Address
Yeni i Conan Photo lanoncation Type 6 Identlecnon Emir Da
d
D OFAC CHEXSYSTEMS ca Yes ID No, earn way.
SSN Response: ear Stale: ID
LIPLC ID BANK REF NCE requested ID Yes El No, engin why
Response:
Authorized Signor Haim Gender MOH] Corporate TISIK
Physical (Horne) Address: Personal Leading Addrsar
Sowl wily Minter Das Of Pin Of ens. Can Or
Nome Telephone Number gins T Number Busmen For Number Mobile Pima: Email Address:
Wale Ottspoot 1 Ptao mem Type & Number : isinneation Enron On.
CI SAC Id CHEXSYSTEMS cased 0 Yes U No, roPlain why:
SSN Reedease: Yes-. State: *sponse.
OPLC BANK REFERENCE retmested U Yes U No. 'n why:
ReSpC0Sel
000 c",: lt igra )"pcr:itc.i.. -its-•• wx we-rwil reena fulitfinkele
P Attecial dc=enbi received (The Carae el Cheeriest 'Macj ho* it. No a - „9 4417
rgiol‘C IS PLC (Fisuduierit Account LSI vented etyy kb yzytr.i mineenre Reviewer I
Cormeett
Na ZIA-11 *tag }..t..t.-. Soo- ADaw:1ia G.Wac.sxcAii- Coseleuvi L.Sdi AO+
-cals w a •
ion% \a& t NO \VCa A ik
Reaso kw Denying Account
( GI 4'Ga.'X
0 Merchant Card Services R. e-FP-stElm* (Internet) II0 Cash Management
0 Creek Card 0 P Fi e at r N o o t E U l N O i t g h h e t r Depository
PP:Lel-trine
CONFIDENTIAL SD NY_GM_OOO 12960
CONFIDENTIAL FustBankPR000123
EFTA_00123603
EFTA01268807

Firstaank Virgin Islands - Signature Card
Atcount typo' Stip. RIC OM
IGO. LLD
1 11/19/07
Hems:
Address: 8100 Red Hook GUS B3 St Thomas
Na . FFREY SSN:
ID Type: US PP
No
Name. DARREN INDYKE N:
ID TYpe: US PP
No:
N:
ID Type:
No:
Name:
ID Type:
No:
Prepared by: U. EIL „I t ..
AuMorked by (5 stn \ ,-,
.
NA I0IE 8/2007
NNNS-000I
Instructions for completion
Please mint this form 3 times and complete in triplicate in blue or black ink.
Please insert the name of the company or the account title under account name.
Please print the name of each authorized sipatory to the account together with a sample
of their signature in each field under the name. If there are more than fora signatories
please tree additional signature cards as IlOCCSSaly.
The Bank will complete the remaining fields.
*Important* Please provide each signature cad in triplicate with original signatures (no
photocopies).
Farriank in natthaey ofF ew &map OMT. Peri
CONFIDENTIAL S0NY_GM_00012961
CONFIDENTIAL FirstBankPR000124
EFTA_00123604
EFTA01268808

Bank NAME AND ADDRESS
MAINTENANCE FORM (RM)
Prepared
Branch: 732 emoted
tAati
Account: 11
Er PERSONAL OR COMMERCIAL Egi TBA NAILS CODE (II apply)
Select q RM 0 NI or DAM On ORE OTC 0 Other.
NAME 5 LEGAL x -NCI
Actual Name: leo u.c
New Name: NEW SIGNER TO BE ADDED TO THIS ACCOUNT
New legal This: EN NUMBER
Connector Coda:
CUSTOMER A PRO , JNANCE
Hemel DARREN INDYKE
Addreest: 8100 RED HOOK OVATER
Address 2: SUITE B3
City: ST THOMAS State: VI ap Code: 00802
Home Phone: Work Phone: Extension:
Alt. Phone: Mt Phone TAW Raper ID:
Contact Pref.: WORKDAY Time:
E-mail Address:
Citizen: USA Social Security: Birth Date:
Primary ID: PASSPORT Origin: USA ID Number MS
Secondary ID: Origin: ID Number:
Gender. MALE Language: ENGLISH Home Owners: RENTS
ORl EmploWe: LAWYER Marital Status: UNKNOWN
Spoon Information:
Hama:
Birth Date:
Coeburn, Remarks:
Exp. Date:
Employer FINANCIAL TRUST COMPANY
()eructation: I AYWFR
CONFIDENTIAL SDNY_GM_0001 2962
CONFIDENTIAL FirstBankPRO00125
EFTA_001 23605
EFTA01268809

TRANSIP1 IS'S ION REPORT riot
SID FIFLSTBANK Number : 340'7790489 Date 11-21-07 14:22
Data/Tina 11-21 14:22
Dialled number
Subscriber
Bunt. 8124-
Mode NORMAL
Padva 2
Status Correct
MOO /CORM
1 ." ' = mamma=1 0•1D M
aa tee
Sums m ...• 1 au
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al Prieca...“..... mm. niiii•ann ea.
S... U. t. nr 3a, cm co ow Ns.
al... -r-212M'Snanatala
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CONFIDENTIAL SDNY_GM_0001 2963
CONFIDENTIAL FirstBankPR000126
EFTA_00123606
EFTA01268810

DUE DILIGENCE FOR HIGH RISK BUSINESS ACCOUNTS 1 fir oil Sank
(CHECKLIST)
r renew wave on•
caGcoon TRW
Account Nomben
I Company. he 1
c d t O K h o e W a n n n t e t h t a 0 n c R 0 e h t s i a a t s s p o s k P t n l o B y S o e . t S u m A s y M . i e n C t f A e r • o n s s S m s t ' / e b a A p s b i M n i l r n a o t c R g i r e e i u i s a 0 e O k k * a ' l B e * b o ' u u n t * a s s i f n c i m o n i o r t e e n / g s . n s u : e i d I s d n a n u a n n o e r c e b & e o l . n e u v o W r e t t n I h n h n a e e e l t r c , e c . e i o g n I B n e i s t S m r a a A n i o ( g l r S y C i e o S o I n t A m O h a o W p o n f l r i t o a h C b n n e x e c e t l e e o o a t w c t o d o . e e n r f v I n l o f a a f a y n h t b o o g o u u n a r s i b r m s ) e o l o e i r r e n 8 c v P 0 r e n u a 0 n e n c a e t 7 e b 1 s a 0 u . p o 1 s p f i i r n t B s o h e v r e u s e e n n s q s t u t t i h o o a i e r n b e b a d d w e F . e t r l ' t h h a o o i e y m g r h r ' n e . e a o o c I u f d o n k a d m e e , r G r m p n e u o n e i n n t d r h t ) t s c c g it o a fo e t n h r n u e n a o n o O e t t i t b b d h la s e e e e s w r e t r y v c d a p O e i v b e l n e o e s S d n a o t . r n s f u s e a b . o t a l y c P n o o l n u a o e c m r r e M u O d e t
Notes:
a. : F M ir O st W B a S n t k a t d e o s e of . A Bo n y i e o r p ta e . n U a M no W tr e S s ti l f t o ed r t V o i r ig e i n n , W bu a s n i d n s e o ss r e C s o n b o b t r e W gi o at n e r K ed h b a n d s o . business in the MON:Zona In Mich Pie bank manna. cc. the
b. Firsdthink don By open nor Maintabl annum; for dents who inn h money renearicsi or dock cashing sonnet
• Finttlank don 088 open account' for businosste thoorponned In a Mandal haven canny.
. suSciessiwt •
e ' t 5 ,' 1 1! ! r •!t TtEOPIRS AcTioit41
q M Fin o a rt n g c a i g a e l I B t4 r 0 o 5 k A e C n c . i P a ( ( 5 C (i r t e te d i B t a J n r k O s n a , r . c C N or a ri n rn ; erc B n a a n n k d s ) P riv•161414101511( Note: P ch R e S c T k B c A a N sh K in d g o b n u s n i o n t e o ss p . e n accounts for moray trasornItters or
q N an C d 4 5 C 8 0 a 3 n 1 k 5 5 F 5 in ) ancial 1151/0.1.2/55(Crenty ExCharaild Forego exnnge O 0 re n q d u s ir t e in m g e a a c p c p o r u o n v t a s l f o o f r F Ft e i o on ll c a I a a k l ' a s n B d S N A o C n- o B m an p k la I n n c s e in D u e to p n a s t o D r o t . n ot in Ova
case you wet
• Need a letter inn the 0.150114( On Conan lenten
- SONS the account b for °herons*, thendes any. an
• No ovelemer funds will ion through the account
- Ind parties cannot fund Opening *COMM
O The BSA Compliance Moor approval wound pros o opening for as
other types of nouns Call (787) 993-5150
• C r F P o r r a c o id r o fi a w , l y e . s s n s . z t h e G r o d 6 N w h l P o s e c s e 1 a . 3 & l A . 0 m r . s 0 e r i g 0 g - i o 0 o o . a n o e s a r e t l c m s o . ) f o ( M r n e a y I m n w c e a a s l h l c b h D u a e s r r i . M n e e o . s g a s k . , A a W n n d a n l e w g r h b e o e a n I n s ' s a n a o T n t G o a I n o & b V p u o m e s l n n e s t e s h s e t e s ' n p 4 a f l o c a n r c t o m e o t u . o b n r T e t b i e a n f u l s e s K d m in a u i e n t s s e t s m R b a s e e n y d n ) m e c t e e h c n e , e w t B : i 4 i t e t h S h r i k n e C 4 * t 0 i f 0 e w l o • e t e a te k r d e s e o r O n p v f e t e n a t i n n o n o e n g t n s t * h 2 1 e e O S l a a p U u n e n n . J t in u P g a a . n c m R e a t n a h O d t e f
Foods and <finking 04555 'Wide tie reason to goons one account at Nader Bond, On the
Observations at in Place of Bunko* Porn end wit tits explanstbn make.
Grocery Sires button Senn
Beer. thee ono aqua store O ATM' Verify if or myna Atha en SOW on the menses. If yea
octet, copy of Thrd Pony Agreements.
Al, dealers
Veneto Mac, re Operators O c If a n rd o s . b o u b s t i a n i e n s c s o s p e y ll s O f m th o e n e S ta a r l y e s I n A s g tr e u n m t A en g t r s e ( e i m ro e n n y t OWN) Stan prepeld
O Tertcommuccamen Pthone Canso Teloplothe Centers
O navel Agony
O in14011ExPart Business (PhyScai Inventory m nose or wareaciaplo can
be observed)
O ',MINI Gem, Pronous Wens
q Electronic.; (thoossaltdretail)
O Gin %Kona
• cherangeOwniv niebretimems UM of to Keay)
O letagetlibpett endow (near talus possess:kr of goods. Whey lane Glean et lent 2 amore a any Of the bliowthg &bunters (copy for the Be)
teed or no physic* loadlOn iniCerssible to dernOnStrie WWI*
O InveMeS
O WHO" Nie (Males baton)
O Shipping d000nies
• PIMA Tnewortan
O commths
▪ TOrittand Groan Tremontithors
Tow &amen% must be Awnings of the ?done of burns antedate:1 in
O Off•thore CorPOrelons (rens In Andes of ',corporation If Corporeal the Transaction Profle For example' if a company 'Owned that ewes m
Structure uses 'bearer snares' do not open the occouiC under no 8=0.000 range well be recalvcds l Map= tot $450 arc not acme tile..
CittumStarr.44 may the busman be ebeepreated el a Nunn haven
country. Site for a nand of theses counnos
• Car/Bet Plane Clealerthip Sample IRS Form 8303 for mind If patinas: dad inc.aces that cash sates
do not exceed $10,000 per oben ten roicate tin on the Observation at
O Skids Brokerage the Place of 89•Inoos from.
Sisk the PIM of Ousiness an complete me 'Othervattons at the Poo of
Bukwrfeat Tali mom be done well, 4 weeks c4 accaunt CVerni If the
bates M net Wand a yew markeolne De teen Wee lei San Jae, and
OPUS an mama in NS Ray) the Bank Office, coptiniag the etaccont invest
Incliail• the Mean for Cabling the a nt at Inter Enoch Mi to
ClesaNallons al the Place of Bufilete5 Form and why eaa 0541m011011 Matta
INIIII1441t *arse
O frame' Ousinsen -Any business that seas the mailing fil at 90041 You must renew the wenn 5a sites that dine a nekkormallon that 00514
end novicesOS the mutton (Not a retail weal that 4150 IMPS WO tenet arnbarraremert a negative pubIcIty for FIRST BANK. Marines.
111000). adult toterlathsterd: pornography',
NNOS•24634)207R
CONFIDENTIAL SD NY_GM_0001 2964
CONFIDENTIAL FustBankPR000127
EFTA_00123607
EFTA01268811

BUSINESS Tyre
REQUIRED ACTION
O q P n e v r e s s o t n r a e l n In t M ve a s n tr a r g e e n m t C e o n m t B pa a n n y ns q a O p p p e r r o a v b e n ) o o • f C B C S O A la C ltf o . m fo p r l i i n a v n e c s e t . m H e o n w t b ev a e n r. a a n le a d s e C r m o n u a st l A P M e I O N l O a t t h he e ° hum
O Money Management Business as client on cempeny letterhead aloha) the ECCO4on it For themes;
00eraberal Puriditul only and that dents gerund funds wit not low
linthgll the account (Third parities cannot fund the operating
aeoeure.)
q BSA Co ptenoe approval a toured Odor to caring f0 nether Man
of accounts.
• Obtain Par BSA CanpSence review
I. A copy of to oastOmer agreement
2. Name. preeery residence ago tool ocurity number for each
tenellciat timer (ALL RiVESTORS tAJST RESIDE IN US.)
3 Standard account opening decumemation.
Note: P Imestnanl Comp anks. .. . _ the . ., ._ ___g
ft am ends (no sweetie other than ma sows or famdy members)
rice tell in this category of Ft.,. is not 'my nor aid does rct it
reeding BSA Compliance aPprevai and no other ilddtroned due
daBeriCe Is recnifect.
O Nome Based Buothessae Obtain any Iwo (2) of the k.lonirg docuesnY (COPY tar the fie).
CI Legal Senicas . invokes from suppliers
CI Accounting. Ter macaroon. aril Payroll Swoon • Contracts with clients
O Dielthrter Syste, Design and Related Serviced • Tel clone verttroron with clients in lieu of contracts
• Copy of a license 10 engage in a parlioar titaness (If rewind by
your state)
• Any daixament ken a Nod party to tie crsticesignerithainets
evidelcirg that me business is engaged in he activily they clam
Mid% can pe milted by telephone
If the business owner has sadefactority manta:mid his persona checking
sccotr: or another business account with Firth Bar* for 6 month d longer.
tie Brarcn Manager may waive the requirement fen invoices' Methods. sic. If
deemed prudent to do so. The iodthving nfonnallco must be Possinentad in
the apountratetantaip Se.
• owners name
• Ciente parsontil Or other busman account nurnbertIO
• Date evened.
CI Ebonesses sampan° taimatiantY dream Moth management must Foods a justecatan memo 10 be kept on fie
I d n e g a h rl t y ri n in g d i t c e a n t e re t a h s e o n r e fo a r d o O n p s e t n ip in g b t e ie er r ie el r a b h e e ra N Br p a . n c Ib a is d e ila n it t l k a n n o d n the s h t o a u d ld
Othlylpertres whale dacha an being deposited. Al relevant decrepitate.%
.µ Qattara Due Wrote (COD) Portia Meta cmitraceml agreements. a
fitting Ci the businesses' caenth etc. must be sent with the lostAceden mime.
The Branch Manager must submit Vie 6Xurnente to the next lend Of
inaragemerd har review arid approval.
O Embassies/Contiaeles and other Retvesentathe Ofhoes or Foreign O The SSA Catamarca Mier wool is repined Pew to Waling these
Government TAM Of acetones. Cal 787-9834150.
O Olarthebilt °trait/40ra Not for Ants end relgOos Organtrons Obtain the folovang inform/eon and dodsnonl in the Othitoeseons at pace of
- Rely-ilia Ongerreatrons Business Icon (copes on Ale):
- Grant making and gong services • Purpose and objective demi activities
- COW and Social Organdatons • Caprio rlon gnaw*
• The donee and vol niter base
• Funartg and disburoment criteria
• urn cordrhuthre
tathiatgiLitiviabie Gnaws
iI ie arena the dent's profile etas prospect eat Petermmed MN Is no. s high risk business end the -'..\ unt owing It:QUITO was.
APProvo
Denied (Reason)
L
'
_
D Aprovicsuthect
to:
Business Manager Nano it
lb* account prohle was deltrolitied to be that of a high risk business the somas ogre.O WNS Ma
q Approved
D Caned (Reason)
C Referred to the Market Manager or BSA Ccintpfenite DeParano9 air 9,988,109
q APftroval subset to.
Business Manager Namei0faCelth chart, Sloan Date
eihthrS-2481.620711
CONFIDENTIAL SD NY_CM_0001 2965
CONFIDENTIAL FirstBankPR000128
EFTA_00123608
EFTA01268812

DUE DILIGENCE FOR HIGH RISK INDIVIDUAL ACCOUNTS lialrick!
(CHECKLIST)
Account Tine: Account Number:
Darren indyke
High Risk Individuals require additional due diggence. Examples of High Risk Individuate am Nonresident Miens, Foreign
Individuals and Politically Exposed Persons. Where BSA Compliance consultation or approval Is required, the requirement
cannot be vralvel
TYPE OF INDIVIDUALS REQUIRED ACTION
0 Nonresident Aliens and Foreign Individuals Accounts where Nonresident Aliens and Foreign IndAdult's have a subletting&
ownership interest the foilmving procedures shall be followert
• Requiring current passport. accompanied by a current visa. from non
citizens.
• Compared the b-clividuall county of origin (place of bit) to current
'tiee n risk' aradictions.
• For peon* with permission to work in the U.S., assuring that the WS-
BEN meets a Social Secudtj Number (SSN).
• Inquiring about the desarations and sources of financial transactions
invoMng foreign countries.
• Inquiring as to whether he/she Is a 'Foreign Public Figure' or 'Related
Individual*.
• The following Individusis must approve tre account opening:
0 Market Manager
0 Foreign Public Figunrie(FPFy Related Individuals Additional requirements far foreign Pubic figures (FPF). or rated indMdura,
or legal entitles in which public figures or related Madders have a substantial .
0 A 'Foreign Pubic Figs's' Is any non US-citizen owner** interest the !deterring procedures shell be followed:
*no occupies, had recently occuPled. is actively
seeking or is berg considered fee a senior Notion • The sources of funds and wean must be determined and recorded.
In a government (or political party). or any
• An Inquiry must be made es to the (exitance of the FPF or related
department (including the mirary), agency, or
individual. Please contact BSA Compliance to perform a World Check
Instrumentality tremor.
search.
0 o S w en n i e o d r f c o o re rp ig o n ra e b x o e n c s u t a iv r e e s s o e f a fo r c e o ig n n si d g e o r v e e d r n p m u e b n ic t- • The follovang Individuals must approve the account opening:
figures. C Market Manager
0 A 'Related Indmober Is a member of the C FIRSTBANK BSA Compliance
immediate family of a public figure (og.. a spouse.
parent. Sang. or chid) inseam advisor closely
associated with a pubic figure.
0 Legal entities in which public figures or related
indMduals have a natant'al ownership interest.
0 Initial Depose greater than $100/A • The sources of funds and wealth must be dohs..i..J and recorded.
I have reviewed the client's profile of sus prospect and determined that s not a high risk ind land the acoxant opening request
was.
Approved
O
O Denied (Reason):
O Approved subject to:
Madirlin Colon
Buenas Manager NamelOfficer in Charge Sign Daf\ \ O
This account profile was determined to be tat of a high risk indiddual and the account opening request was:
O Approved
q Denied (Reason)
q Referred to the Market Manager or BSA Compliance Department for gUea ria.
q Approved subject to:
BtleineaS Manager RemenDOcer in Charge Signature Date
tiseNsaeti2-0201*
CONFIDENTIAL SD NY_GM_0001 2966
CONFIDENTIAL FirstBankPR000129
EFTA_00123609
EFTA01268813

DUE DILIGENCE FOR HIGH RISK INDIVIDUAL ACCOUNTS
(CHECKLIST)
ate
Account Ode; Account Number:
W
SW. ry BeSet
I c H n a i d g n i h n v i o d R t u i b s a e k ls w I n a a d n iv i d v e i d P d . u o a li l t s ic a re ll q y u E ir x e p a o d se d d iti o P n e a rs l o d n u s e . W dil h ig e e re n c B e S . A E x C a o m m p p le li s a n o c f e H c ig o h n s R u i l s ta k t io In n d o iv r i d a u p a p ls ro a v r a e l I N s o r n e r q e u s i i r d e e d n . t th A e li e r n e s q , u F ire o m rt e s n , t . 1
TYPE OF INDIVIDUALS
REQUIRED ACTION
q NCreesident Aliens and Foreign Indivkluals Accounts where Nonret:dent Aliens and Foreign Individuals have a santanlial
Menorahs:, !Merest the following procedures shall be followed:
• Requiring aarent passport, accompanied by a current NASEI. from non
citlZera
• Comparing the indholduars catsy of origin (place of birth) to coma
'high risk' juneddisna.
• For people with permission to work in the U.S.. assuring that the M-
OEN reflects a Social Security Number (SSN).
• Inquiring abet,* the dee:nations and sources of finance, bansections
Involving foreign countries.
• Inceiring as to whether he/she is e 'Foreign Public Figure' or Related
Ineftvidusr.
• The fodowing indivkio ats must approve the account opening:
O Market Manager
O
Foreign Pubic Figuras(FPFy Related tridMduals Additional requirements for foreign public Figures (FPF), or related indvidual.
O A w h ' o F o o r c e c ig u n p ie P s u . b h li a c d F r i e g c u e r n e t ly S o a c n co y P n ie o d n . i U s S M -ci i ll n ze t n o o i r m le e g r a s l n e lp n t in iti t e e s re e s i t w th h e ic f h o l p lo u w b in ic g f p ig r u o r c e e s d c u c re r s o b sh to a d lt b re e l v !p Id lo u w a e ls d h : ave a substanbat
seeking or s being confide. eifor a senior position • The SOLIVIIS of finds and wealth must be determined and recorded.
in a government (or poetical party), or any
department (including the military). agency, or • An Inquiry must be made as to the reputation of the FPF or rated
instrumental*/ thereof. Individual. Please contact SSA Compkonce to perform a Wend Check
search.
q Senior foreign executives of foreign government-
owned corporabons are also ccnsiderod Pdbil0 The following indhedues must approve the account opening:
figures. q Market Manager
ci
A 'Rested indrviclual* is a rrember of the O FIRS1BANK SSA Compl ance
inflect-ate family of a pubic Sour. (e.g., a spoise
parent, sibling, or child) or a senor advisor closely
associated with a public sauce.
O Legal entities in which pubic figures or related
Individuals have a substantial ownership interea
O Initial Caplet greater than sioam • The sources of funds and wealth must bo determined and recorded.
I have reviewed the cileM's profile of this prospect and determined that did is not a high risk individual and the account opening request
wet:
V:1 Appoyao
q Denied (Reason):
q Approved Subject to:
Mado5n Cobn
Business Manager Name/Officer in Charge
Th‘s account Drage was determined to be that of a high risk individual and Me account opening request wet
O Approved
O Denied (Robson)
O Referred to the Market Manager or SSA Compliance Departneal for guidance.
O Approved sub)ect to:
Buser's* Manager NametOfficer in Charge Signature Date
lit.e.S.2462.02071I
CONFIDENTIAL SDNY 12967
CONFIDENTIAL FtrstBankPR000130
EFTA_00123610
EFTA01268814

DUE DILIGENCE FOR HIGH RISK INDIVIDUAL ACCOUNTS CZ
(CHECKLIST) Toil
Account Tint Account Number:
veffnly Epstein
I c H n a i d g n i h n v i o d R t u i b s a e k ls w In e a d n iv i d v e i d d P . u o a li l t s ic a re ll q y u E ir x e p o a s d e d d it io P n e a rs l o d n u s e . W dil h ig e e re n c B e S . A E m C o om ry p le li s a n o c f e H c i o g n h s R u i l s ta k t io In n d o *W r a o p a p d ro a v r a e l I N s o r n e r q e u s i i r d e e d n , t t A he li e r n e s q , u F ire o m re e I n g t nH
TYPE OF INDIVIDUALS
REQUIRED ACTON
q Nonresident .Niers and Foreign indviduals A ow cc n o e u r n s t r s ip w in h t o e r r e e s N t o th nr e e r s o id lb e M nt r A g li e p n n s x e a d n u d r F e o s r s e h ig a n ll k b d e v ( l S d o u w al e s d h ave a substantial
• Requirng current passport, accompanied by a current visa. from non I
citizens.
• Companng the individuals country of °darn (piece of birth) to current
'high risk' jurisclittcrs
• Fo: people with permission to work In the U.S., asfutirg that the W8-
BEN reflects a Social Security Number (SSN).
• Inquiring about the OeSOnelienS and sources of fnancial transactions
involving foreign countries.
▪ Inquinng as to whether hallo is a 'Foreign Public Figure' or Related
Indivicklar.
• The folkming must approve lire oCCOunl Opening:
O Market Manager
O Foreign Public rgures(FPFy Related Individuals Addroonal rethirernonts for foreign public figures (FPF). or resoled indvidual,
O W A il ' 0 F o o r c e c ig u n p ie P s u . b h li a c d F r ig oc u e re M ' ly is o a c n c y u p n ie o d n . i U s S a - c c a le vo a r n y o o w r l n e e g r a s l h e ip n t I i n ti t e e s re in st w th i e tc W h p o u w b i l n ic g f p o r x o e ce s d o u r re r s e l s a h te a d ll b 4n e d f i o ui r c lo tu w a e ls d n : eve a substantra,
staking or is being considered fora senior position • The sormes of funds and wealth must be determined and recorded.
i d n e pe a r pn g e o r v R e rn (i m nd en u t d ir ( g o r th P e o li m tic l a b l t a P y a l, r tY a ) o . e O n r q , a n o y r • An . in . gtary must be nude as to the reputation of the FPF or related
intammentaiity thereof. MU,. WC, ricoac v, rat cna•-• ,...Thi.mainad Iv "'any... a ....,....an.
search.
O S O e w n n i e o d r fo co re rp ig o n r a e ti x o e n c s u t w ive e s a o ls f o fo r c e o ig n n si d g e o r v e e d r nm pu e b n li t c - • The following tdividuals roust approve pie account opening:
ficrures. O Market Manager
O A *Related Inc:with:sr is a member of the O FRSTBANK BSA Compliance
immediate tan* of a public figure (e.g.. a spouse.
Parent six g, or avid) or a senior advisor closely
associated with a public figure.
O Legal entitos in which public figures or reieled
individuals have a substental ownership Interest.
Ei
Initial Deposit greeter than SlOOM • wealth must be determined and recorded.
1- I- -hh-aave rovtowed the Oient's tholes of this prospect and determined s not it high risk and* i and the accountopererg request
was:
' (2] Approved
O Denied (Reason):
C Approved subject to:
4 (toll
Median Colon r
&minas Manager Name/0lfger In al Date
This account pa was determined to be that of a high risk indMduat aid the account opening request war
O Approved
ID Denied (Reason)
CI Referred tithe Market Manager or BSA Compliance Department for guidance.
O Approved tubbed to:
Buskin,
Manager Marne/01114/er in Charge &gram Date
?men-2420207R
CONFIDENTIAL SD NY_DM_0001 2968
CONFIDENTIAL FerstBankPR000131
EFTA_001236 I I
EFTA01268815

AFFIDAVIT RE NOT DOING BUSINESS
teffrey Epstein being of lawful age and after having been duly sworn, state
that:
1. We are, and have been from the date of the filing of the Articles of
Organization, a copy of which is attached hereto, the sole member of
IGO, LLC ("the Company"
2. We hereby confirm that the Company never did any business of any
kind from the date of the filing of the Articles of Organization
through the date of this statement and we further state that the
Company has no intention of doing any business in the foreseeable
future.
3. We hereby further confirm that the Company did not do business
and does not intend to do business because it is a holding company,
which was not and is not intended to be used for any type of
business.
4. We hereby further confirm that the Company will not do any
business of any kind prior to applying for and obtaining a United
States Virgin Islands Business License, a copy of which will be
delivered to the Bank.
5. The Company requires a bank account for the purpose of corporate
expenses.
6. We have personal knowledge of the facts herein stated.
IN WITNESS WHEREOF the parties have signed and sealed this agreement
this 24 day of ottititctr 2007
Tot- Em".
SUBSCRIBED AND SWORN to me this 727 day of AlAtir 2007
Lary Public
HARRY I. BEtLER
Noun/ Gubfic. Stale of New Yak
No. 018E41353924
Co C ffu o o ck ir ) s a o d n i E n s R pa o n ck a l a F n e d b . C 1 o 7 u . N nty o _ t
CONFIDENTIAL
SDNY_GM_00012969
CONFIDENTIAL FirstBankPRO00132
EFTA (()12361?
EFTA01268816

NOTES TO FILE
min (Acts.
DATE: COMMENTS `Q
-07 4,s creni-W view
joettrundef
C Slryd C.W
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CONFIDENTIAL SONY_GM_0001 2970
CONFIDENTIAL FirstBankPR000133
EFTA_001236 I 3
EFTA01268817

282:
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CONFIDENTIAL SDNY_GM_00012971
CONFIDENTIAL FirstBankPRO00134
EFTA_001236 14
EFTA01268818

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CONFIDENTIAL SD NY_GM_0001 2972
CONFIDENTIAL FirstBankPR000135
EFTA_001236 I 5
EFTA01268819

Lai Least
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CONFIDENTIAL SD NY_GM_0001 2973
CONFIDENTIAL FirstBankPR000136
EFTA_OO123616
EFTA01268820

First Bank Document Checklist for
Business Accounts File
Together we are one
Important note: Fleas, Sotto IM Account Opining Pmeetteres for speak information on the venous types of *cements required at worn opeemg.
IGO Company .
Actor Met LUI Account Member Ore Opened: 0-la10+l
Smut* on
Gut Due Mooney Busmenn ewt ..—
Due Dion* be tier Risk Bosoms Roo:** tCreitkoi
Classnolore at time of Bisnas
OFACSIO (pont eriderce anointment
DOMMOnt nocklistfCt Bushats Axons F.*
Amain* W-8 Faun RI non-U.S. erord
Illeclosures that must be ate to client
USA Retort Ad Costume Infornation Program Nance
Rates and tees Stoles
Amount Aqoemen
FDC Insuring Yoke Decal Brechtse (USVI ortly)
het* of liegatfee eternal= Ones*
First SatCom titration Storing and Parent Patel
Chia la It ineellthlett
Other Documents Or Reedits
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CONFIDENTIAL SDNY_GM_00012974
CONFIDENTIAL FirstBankPRO00137
EFTA 00123617
EFTA01268821

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CONFIDENTIAL SDNY_GM_0001 2975
CONFIDENTIAL FirstBankPR000138
EFTA_001236 I 8
EFTA01268822

FirstBank
www.firsrbankpr.com
ACCESS AGREEMENT
This access agreement establishes the terms and condtons that Since certain anna, such as debts and VerSts, shown cc
govern the use or oFirsiBank service. the e-FastBank service May be in tuella the Pierce shown
may not be final. The Customer must use the end of the
For the purpose of this agreement, the terms 'you- and -your month statement for the official monthly recoralimion.
rotor to the client who is the user of chRrstBank Tirstillanka,
his'. and -Our refer to FastElank Puerto Rico. The term You accept and agree that the availability End awry ot
'working day means Monday through Friday, except &Purr*. FirstBank to prande access to the e-Fastflank service
Sunday and bank haidays. depends, among others, al the continuous operation and
ay/slab:Ey ot FirstBarik's computer system and on the
1. Description of e-nrstElant communicaticns pr000ssna fine. your Internet service
provider, your browser, your personal computer. your
e-FirstBark is an eleciraoc service that atom you to view access equipment and the telephone or electric power fines
your account actaty at Firs:Bank through the Intern using or both. Should access to ro-FindBanic be temporarily
a personal computer. interrupted or ceases for any reason, FirstBank shall not be
responsions for said interruption.
Reguirements for the use of thFirstflant
F—StockaLouara
In order to be able to use the !Firs:Bank service, you must
have an account with FirstBank, as well as the recoiled At this time, access to the e-FirstBark service shah not bo
-browser installed in your persona computer. In addition, subsea to other charges bearded those estabished fcr your
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through your sonic' provider. The 'browser that you use charges related to connection of the service, for the Internet
must be compete with Mcrosoft Internet Explorerni. Service Provider charges and any otner charges related to
version 4.0 or higher. or Notscapeth your personal computer equipment.
Navigator/Communicator. version 4.04 or higher. You are
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installation, use and rriarnerance of your equipment, ot please refer to the Safety Information included In our Top"
telephone lines, and your Internet access provider. section of e-Firitf3ank.
You most choose a 'password' to gain exclusive access to Request for Additional Services
your account through e-FirstElank.
You can ecuest addrooral sernces such as ospes of
You shalt be solely responsible for adopting adequate safety checks, a bank account statement, the orryiStgatlen of a
measures to protect your password and avoid unauthorized erode cares activity, or the xtvesogaton of a particular
access to your accounts through reFirstBank. FiratBank charge. through the ecirstRank service a you request an
shall not have the duty or express or implied obligation to additional service thmugh the e-FirstBank service. FirstBank
hvestigate or verify it the use of e-FirstBanic or the access to is authorized to process said request as II it was a written
said Service is carried out bye person authorized by you. or request signed by you. E-FirsiBank shall provide you a
accordrg to the safety measures adopted by you. ocrermation number upon compact ng your request. Said
cc.-emation number wit help you obtain additional
ff your password is lost or forgotten and must be changed or information related to your request in our Chem Service
modified. you must authorize said change or modification in Center.
writing to Fasfilanic No password will be changed or
modified as a result 01 a telephone conversation since 7. Copyrights and Trademark,
FirstBank must always receive the aultoreaton to change
or modify the password in writing. AU rights over images. text. screens and pages of e-
FireBank are property of FirStBank or el third parties, as
If a Corporation wanes to gain access to the e-First8arA necified. You may copy information from e-FirstBank for
service, a corporate password will be chosen. The your own personal use only. You shall not copy. puban,
indivtdual that signed the General Resolution must apply in cletribute. record, modify• or transfer thts Information,
person at their main Branch in order to enrol and to sign me Images or odor type of materials, nor use them In any other
e-Finstilanit agreement for they company and wet be the way to create works derived frail them nor for pubic or
ones that have access to the corporate password. The commercial purposes, except as provided in ths agreement.
indiVduae that signed the General Resolution muse
authorize any change or modlication Cl the corporate You recognize and agree that the name o-FirstBank as well
password in writing. as other trademarks used here are property of Font:Bank or
other subsidiaries. Or at third parties. You WO not use
You indemnify and hold FustBank, its directors, offc ers. and these trademarks wrifoul the previous written consent of
employees harness horn any claim or out arising from the FIrstBank or the trademarks legitimate owner.
access to the service
Ispresentotions and queguntea
3. Services available through e-FirstBenk
FirstBank does no represent or guarantee, expressly or
You shall be able to obtain updated information about your mph:atty. the accuracy of the information and materials
swoons. FirstBank may. from Sono to tens, add, amend. or Occluding text graphics. knits or other ob;ects) containec
eliminate services to those offered at this time through e- e-Firtaflank, and expressly roods as responsbaity for errors
First/hank. FirstBank shall update this agreement to inform or omissions in them. Neither FirstBank nor its providers
you of any changes. II you choose to use nevi services, represent nor guarantee &only or implidey that e-FilStailik
when available, you agree to comply with all the rules is approvals for a particu'ar use. You recognize that you
contained in the amendments to this agreement related to have recmved adequate Intestinal fr0M FirstBank
the new senores. regarding eFirstBank, and that you have decided, Ireely
and voluntarily. to subsets this agreement and obtain
Access to e-firstBank access to e-First8ard according to the terms and cordtiona
hereby agreed.
You shah have access to eFirstBank seven (7) days a
week, twenty-lour (24) hours a day. FirstElank woes to You represent and guarantee to FirstBank that you have no
update osmotically the intonnadan you may obtain through Intention IC use, and that you shall not use is-FirstElank with
the e-FlrstBank service. However, you recognize sal the direct or indirect purpose of providing services
accept that FirsiBank has no obligation to update said (including. without limitations, timuleisi. data processing or
information ate swift hour of the day and that it k not **nisi:spathe services, or other relied services) to any
subject to a determinate schedule. person or entity.
leasS027iO104R ____CONFIDFNTIAL SONY_GM_0001 2976
CONFIDENTIAL FirstBankPR000139
EFTA_00123619
EFTA01268823

Any irk to ;aged of OrgafiZatens aftialed lo Feel:tank 13. Term of the A feMell(
is ',cavilled only as a supponion of topics that mghl be
interning or uSsrul to you Fir aft* does rot proven any This agreement shall remain in effect untl one 0! the parties
guaranty whatsoever regarding the accuracy. integrity or nitres the other of Mather Intention to cancel the genic*
reliability of these pages, or regarding whether or not ts use These notices may be sent through either ekdroric or
is appropriate for any specific purpose, nor does regular mat. The Bank shall send notice to the most recent
guarantee tnay are free of defects or dams or of viruses or micron appearing on your account record The Bank'S
other contamination. These finks do net represent an address is included Si sedan 12 of his agroornent
endorsement nor do they create responsibility for the
opters. ideas, products, informaeor or services offered in In case tms agreement is invalidated for any reason, you
said pages. shall immediately cease Laing arid:lank and FlratBank
shall cartel the Senile*, but not your accounts in FirstRank
9. Lima of Responsibility or not affiliates or Subkliarrat
FirsiBank Ural not be responsble for sICOrrOCt iMorMatiOn la, Miscellaneous Dispositions
or instructors provided by you. Nether FInStBank nor my
provider o' information shall be responstio for defciencies a) Fustuank reserves the right to amend, update, mod
n the accuracy. totally. avatabty or bmoloneSS of said or discont nue eFirstBarit service at any erne and to
information, or el any investment or decision made based on amend or meaty at any time the terms of this
agreement through previous rotice to you.
Except as expressly provided in this agreement or in any b) The use and access to the eFirsiBank service is
otter agreement applicable to the relation between you and subject to the applicable laws and regulations.
FrstBank. or as required by law. you agree that neater
FestBank nor any information provider &ha be reasonable c) You shall not transfer this agreement to any parson
for any loss cr damages whatsoever. direct ce Indirect. without FirslEtanke previous wntten consent.
coned by e-FIrstflank or that n any way arises or it related
to the icons and use of er-FirStBank by you. d) The agreement shall be governed and to subject to the
laws of the Ccenntonwealth a Puerto Rco.
YOu are obligated to indenrdy FirstRank and release it from
any responsibily before sty suit or clam feed against e) If one or more of the disponions in this agreement for
FirstBank that seeks to :meow responsibility on PiratSank In any reason a declared nut, illegal or it carnal be
violation of the thsPesitiOns of this Section enforced, the remaining dispositions shad remain valid
and in td force and effect.
The term 'FirstBank' as used in this Sectern includes
FirstBank. es parent company. subtuctares and f) Firstflenk reserves the right to use al those available
shareholders. directors. off 6als, employees or agents el legal remedies in case of violations of these
each of these. dispositions. including suspension el erase service
andlor cancellation of related ace ants.
10, Electronic Communication
9) Access to the service and taio of the passim:en through
You shall bo able to communicate alearcnically and in a aFiratEtark are limited to those users au:honied by
safe manner only through the forms included in the 'Other FirstBank. FirstBank shall use all evadable agal
Services' notion cl e-FirstBank. Said forms shall be renvades aganst any person Into toes to emcee,' uses
considered received by us the next worlong day. the service without due authorization.
First3ank shall act icon your communication within a By signing below, you agree that you have revered the
reasonable term. In addition you recognize and accept that terns of this agreement and that the use of the eFirstBank
the kerns found in the 'Other Somasd section of e- service to gen access to any of your accounts in
FestBank should not be used when you need to MRSTBANK constitutes your acceptance of the terms and
communicate with us immediately. For Immediate contra hereby established, to which you agree to cornmit
communication you must call our Client Service Center at yourself. in addition, you agree to campy with the terms
the nurrter Included in section 12 of ins agreement. or vise and conditions of all other agreements subscribed by you
any of our brandies. and all appicable disclosure do:to/lento related to the
*covens and other services that can be accessed by yOu
You hereby authorize us to record, use, andrOg copy any through the use of e-FirstBank. which are made part of this
electronic form sent by you. agreement. You are committed to memoir and use your
accounts wah FirstBank adequately and to comply with all
You accept and Meogrize that for safely reasons n the rules that govern each ore of said accounts. Meeting
handing information. any other electronic method, including payment of charges related wth the lee ander
electronic mall, shall not be used to request additional maintenance of said accounts.
services.
II. Unauth_ixg',. l arise.eli'g ele
Br
II you behove you have lost or someone has stolen your
password or secret number. an authorized person is no Nemo:
rigor authorized access your account or if you detect any
unauthorized access to your account. or ft you suspect of
any hire of illegal actrvity in your account. you must inform Date:
FrrntBank immeciatey. by calling us a (787) 725-2511 or I-
888.•74&2511 dunng the established service hairs.
:2. Customer Service
If you rearm any assistance regarding eFirsiSank or would
like to speak to one of our representatvn. Please call (787)
725-2511 or 1-08&148.2511 dunng the established service
hours. You may also send te your message via faster (787)
729.8060 a Write to the blowing address:
FIRSTUNE CUSTOMER CENTER
P.O. Box 91148
San Juan, Puerto Rico Od9Cft-Ot 46
You may also send an electronic message to:
g.Firs(ErineeleStbankoroOm
CONFIDENTIAL SONY_GM_0001 2977
CONFIDENTIAL FirstBankPR000140
EFTA_00123620
EFTA01268824

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10000.353451111/
EFTA01268825

COMMERCIAL 0 ',KIK. AUDI
I CO.. 1/02/2007
4100 PAD HOOK QUARTERTh 3 AMERICAN YACITY HARBOR 'HOME:
8T1NOMAR VI 03602.0000 WORK
RN* IGO COMPANY, WC $9
ID Type:
Ho.
Nemo JE
ID Type: LC
No. 14200411033
8REnim-- ri=p
No.
4.-.LITtd-e2w4—
ERN:
ID 1)pe:
No.
Prepared IRC
Natacreel by:
COMMERCIAL CHECKING ACCTEC K NO. 1 Dew
1 COM 02/0Z2C0
6100 RED HOOK QUARTER B 3 AMERICAN YACr HARBOR HOME:
ST Tscatas. la maw® WORK:
MIRK IGO COMPANY. LLC
"IDH Till./ Mr-
No.
Name J EE SSW
ID Type:
No. 74200411933
*3 :
ID Type LC
4 .4icto....r r tea
i
elem9Ceint.44 SSN:
10139e:
No.
I PROBER' BY:apse
AULIKett od by
Ste. Req. I CO
COMMERCIAL CHEOBNO ACCT!
CCU 02102/20M
1
r 6100 RED HOOK QUARTERS 3 AMERICAN YACHT HARBOR MOIE
ST THOMAS. VI 03303.0000 WORK:
Norm. IGO COMPANY, MC SSIe
ID Type:
No.
Name: SSW
ID TA
No T42004111333
Name: J B BRE_N SSB:
ID Te .I
No
ge-GR E L
Naew SSN:
10 Typo
Na
i Prepared 6X ROB
Well MX] Auexeized
.......,....-,
CONFIDENTIAL SO NY_GM_0001 2979
CONFIDENTIAL FustBankPRO00142
EFTA 00123622
EFTA01268826

Firrtaank Virgin Islands - Signature Card
ACCD.li type: Accoutt menhir. Sian Pop. De.
IGO. LLC
1 11/19/07
Heat
*deem 0100 Red Hook Quarts 83 St. Thomas
Yee
Name: JEFfJi STEIN Ty:
ID PP
No:207320604
Name: DARREN YK SSN:
ID Type: US PP
Name: __----- S 4 S °J I . IIIIIIIII
ID Type:
No:
Nemx SSN:
ID Type:
No:
Prepared by: U.MCNIr
Autledzed by:
NA101E S/2007
NNNS-0001
Instructions for comoletien
Please print this form 3 times and complete in triplicate in blue or black ink.
Please insert the name of the company or the account title under account name.
Please print the name of each authorized signatory to the account together with a sample
of their signature in each field under the name. If there art more than four signatories
please use additional signature cards as necessary.
The Bank will complete the remaining fields.
'important* Please provide each signature card in triplicate with original signatures (no
photocopies).
Thula u a ssibsktiary of FIrst Bancorp (MM.F ete/
CONFIDENTIAL SDNY_GM_0001 2980
CONFIDENTIAL FirstBankPRO00143
EFTA_00 I 23623
EFTA01268827

'First Bank
Limited Liability Company
Wpm Islands Letter and Security Agreement
Dana
We the urdersgned Mambas. Manages, a Otters et ICO COMMITYLLOC
ttOompann toted at American yacht Mater St Thomas
HEREBY CERTIFY that Company. a United Liatarty Comparm toned pursuant to J.S. Ulan. Islands'
;San 6 rfarreary
is composed of the tabooing
Members:
Jeffrey Epstein. Mortar
and the folthverg Manager or OlEcer;sy Jeeme Brenner,. Manager
Chew News ct Unber cc tieseut ceruthdadowini
To Mahn ncu in your *cream toad and rely hereon and on the sigreture of any of the designated presort, or uure managers. Members. creficem,
employees or agents of Company CALthated PasontsT). we agree and catty as behalf d Company as Ulm
1. Roam* flank" s heratd designated as depository of Company. and any kationzed Person Is anCortaad 60 dtpost or designate for
deposit any kinds of Company in Bank at any d as branches. Bank may at any time ref se to accept and* may return by oraln ary mad a
°berate the were or any pan eta depose.
2. The folkaang duly wonted derivized Person(s) member, Darien Indy*
*Pin drat/
tharpaceeed spine hems nun e.g. ruby, any me. MI
and their succeeded are hereby authorized to sign, by herd or by facsimile (includng, tut rot anted to, computer generated; aanature(s).
checks, drafts, seeepterces and ether Instruments (hereissier each colour* referred to as themisyl. Notwithetancbg the above, any
Authanzed Pemon is authorized sin c g o y U x" ( 1) flina.r0 Automated Clearing norm CACH1 debits without a signature: (2) One payments oy
Ise of Depositary Transfer Checks withal a signature other than the name of Company printed en the DTC: or 13) illfca hstiudalsr
by means drat than the signing of an can with respect to any azure marsadion, inducing but not Waited to the payment. transfer a
VAIWIthveid lunds by *re, computer or other eledmac men, or othentise, a d enemy. credo. items or properly at any tine held by Bank
for account at Company (ttnstuotatt).
3. Bark is hereby aullionzed to honor and pay Items. %Maher signed by hand or by 'posit,. (Mud% but not Imbed la computer generated)
sigature(s). !n the case cl !am* signatures Bank s afAbortted to pay any kern y the signature, regardess of how or by atom attired.
end whether or rot the forth d sIgnattre used on sun hat was actually prepared by or for Company, resembles tie specters filed with
Bank by Company. Banks fisher authorized to honor and pay DTCs. ACK InOructions, and other otters gven Sr by any Authorized
Person. including och as may thin; NW or Increase an overdraft and such as may be payable to or for the Welt of arty Authartzed Person
a other Manager or Member or employee advidualty, waned inquiy as to tie circumstances d the essence et the disposition of the
proceeds thereof are without limit as to wan
4. Bark is hereby authorized to accept for depart, for credit cr to coaecten: or otheavise. lams endosed by any peson or by thane a other
impression in the name or aeccui amber of Company *thou: inquiry as to the circumstances of the endasement or airy lack of
endorsement o the dixonen of the proceeds.
5. The knowing estorded Persons Mentes
03citoby .xm trae asuman dem Loweriaienser4
of Company. signing sing'
'bit erow rook it Babbe tpled, eh*. errifor, it)
are hereby as ionzed to ailed loans and seems and Van creel al any ante for Company from Bank (and guarantee on today of
Company th a obigabons of nets to Bank), seared or urzeued. and to such loans and advances and omit and guarantees to make.
execate and deliver v011iesory notes and other written cdtplions or andante of indebtedness of Company. apaliblions for letters of credit
hounents of gammas an' indemnity and any agreements or undertakings. general cc specific, wet reseed to ay of the foretothlt and as
security for the payment of bans, adurpes ndebtedness, Coarartees and Tablites e. Or =Oil Oven to. UrnParY a Otters to Paediaw
hypothecate, manger.. assign, transfer. grant liens and secant/ interests in, give egress alb respect to. endorse and delver property of any
deschm.en, real or persorat ail any Mead therein and evidenced any thereof at any Imo held by company. and to execute mortgages,
deeds of trust security warrant, snOruments cd Inans'er, ass:cameos or pledge. powers attorney and other agreements or Cstaments
what may be necessary or outran/ In connection therewith: and aso to sal to. or discount wt, Bank, con • • ua' paper oils recevade.
anraints receivable. Stocks. bonds or any other securees or property at any tine had by Company. and to that ez to endorse, assign.
Wander end deliver the same: to execute and delver instruments or agreements of sabordratim and assignment satistadory to Bank and
also to give any adders or consents to tie delivery. sale. exchange or other daposbon of any property or Merest therein or evidence tweet
tasongang b- Company and at any tine in the hands of Bank, whether as collateral cr OtherrilSe, and to exude and deriver such other
agreements, Cotner& and oddments and to do such Viler acts and flings as may be necessary or datable or required by Bank rri
ocenection lath any d the 'vegeta; and Bank is hereby aultutted z rcmr, accept and execute any of the transactors descanted above
8. That al loans, discounts and entrances heretofore obtained on behalf at Company and el notes and other obligations or evdences thereof (the
forebtag bent referred to as "Ottiganonsry of Company held by Bank are hereby append, ratted and confirmed.
7 Company does testy awe to Bark a confining fen lathe amount of any and all habilis and obligations of Company to Bank and clams of
every nature and Othatithon of Bark against Company, whether now easing or hereafter incurred, orignalei sermaced 'aim Bank anther with
another or others and now Cr hereater owing to or acthared in any manner by Bank whetter contracted by Company alone or p'inny ardor
severally wlh another or others, absolute or cortibeM, secured a unseated matured oir unnamed (al of witch are hereafter altars*/
RrsettankVer tacit S / dwa cr, oust* tuvt ate
trir.zro4o2
CONFIDENTIAL SDNY_GM_00012981
CONFIDENTIAL FirstBankPR000144
EFTA_00123624
EFTA01268828

celled -Obseationsi upon any and all moneys. Bailees and any am all dna property of Canary and the erxeods thereof. now or
hereafter actually or construefivety had et received by or in transit in any manna to or from Bank. is corespondents or agate from or la
Company. whaler Ia safekeeping, custody, grudge, transmission, collegial a othamise coming ito the ;nein:ion of Bank in any *my.
In case cil rattling gars or glades, or doubt on Bank's part as to the vanity. extent moditatica revocation or exercise of any cf the
audOrteS heroin contained, Bank may, but reed no recognize nor give any effect to any nthce from any Manager or Memoir of Company, or
from any other war purporting to cartel, matt or thane any of sad authorities, or the exercise thereof. unless Bank is reared to do so
by Me judgment decree a order id a court haring jurisciaton el the subject matter and of the parties to nth confiang thew a dames.
9 Canary agrees to be bound by the Terms and Conortions for Business Accounts and Services, comely is effect and as amended hereafter.
as well as any signature card, deposit net cheabook. passbock statement cf account fecett Mammon: dogmatic or aver agreements.
such as tut tact finned ki. funds transfer agreements, debarred a made avanbe is Company from Bark arc by al notices posted at the
dice of Bank at which the amount of Company is mainIcined, Catch case with the same effect as it each and every term thereof were sec
fat 41 NI herein end made a pert hereof.
10. Subject to paragraph 10 above. as the looping auto tes nail remain in hit force and effect urn fteeOkeld or kited by written nonce to
Bank padded that such notice stag not be active win respect to any renc*ton or modification of sad authorities an Bank shall nave nad
a reasonatie cpporturity to act t emon end n no went prior to the receipt or the payment of money a the withdrawal of lunds dated on or
prior to the dale of such rho ice. tit presorted to Bari nee reoeipt of such nabth and Bank is hereby authorized at al tees to ray upon the
last notice. certification or communicalicc received by iles to the persons who from Pm° to lime may be signatories of Company, or as to their
reendire speomen signatures at as to any other Company matters end Bank Shall be held hairless in siUde reearCe.
I I. TM Managers, Members. and Off cars of Company, or any one or mare d thorn are hereby authorized to act for Company in all other matters
and transactions relating to any of its fatness wit Bank lunge; der ad *rated to, the execution and delivery of any agreements or
ecotypes necessary to affect to foregOng Resokfitra
12. Company hereby represents and warrants that none of tee &Mattes herein contained are contrary to or inconsistent with any other
ageements among Members of Company, or between Company and other pages.
13. Bank is hereby released tram any liabity and shall be nclamnied aganst any loss, Nag* or expense areng Mein honoring this Agreement
ff
14. The &Bonnets) below Ware the sigrature(M of the Menagerie), if Company is manger-managed, the sigraturas) of the Member(e l
Canary is memnernaraged. or the signature(s) of Me Ofhper(s) if Company is governed by a board of Irwin
MOTS: In case the Manager. Member, or Officer is authorized Very Ink yeas,
to sign by the above provisions, this Agreement should be
signed by a second Manager, Marta of Officer. 100 Company. LLC
In of
B3 St McraeUN 00802
BY:
TIM: Member
bandit sfate.Of oils t
4
4.ereKA—Ace
Ma Manager
airweer. Yana or noell te)
CONFIDENTIAL SO NY_GM_O0O 12982
CONFIDENTIAL FirstBankPROOO145
EFTA_OO123625
EFTA01268829

Client Due Diligence
rosiness Accounts
1 Business Information
Account Title (-Depositor):
I 0 0 Company,L.L.C. Account Number
Physical Address: Mililna Ad •
8100 Red Hook Quarter State 83 Same
St. Thomas, US Virgin Islands
00802
Business Telephone I a Business Fax I 340-7782528 keereaNdebeke Address: WA
Une of Business: Holding Company NAICS Cods --eon O O Dale het:shrilled 12/28/2008
Annual Sales: SO W. of OfficosA3ranches: 1 ND,. of Employees: 0
Property Status: O Om al Lease Referred By: O Advertisement El Current Client 00ther.
Cordate Fenno Name 4 Toe. Jeanne Brennan Canted Pismo Telephone a
7 Account Typo
0 so* Proprietorship 0 Partnership al Corporation O Non-Prolll O ALP El LAC O 01wB CraticillPassecokSeings
p
CorielidliChsdeng g O m Arr a a n nc e e d d C OD O can 0 Otanmercad Stealer SV
Czatat mkilD8A Clean; rshae O Coonerla DBA Stamen: SV Goverment Pemba* Seeps
CitnentnentClieditg LI Arranged OD CEA O Ccc,, cnil Vaxintires$V O Cantata a Decosl
Dampen:Id Chec/kg kVA OGcnevvert Statement SV O Carrot,' D7a, ski tat SY C CNN-.
Authorize• Sl. (C.m . • Me (.11•win. mformat .
Authorized Signer Name: Jeffrey Epstein F.c ans: Member
Prot:ascii. Consultant Cepa-ate Tee:
Physical (Home) Address: Personal Liaising Address:
Labe Sake James Island 8100 Red Hook Quart:*
St. Themes, US Wain Wends St. Thanes US Virgin Islands
Sodas Secartiiteserkkee I Date Of Elirth,1/20/1953 I Plea CV Ith-P-New York I CatenOtUSA
Hon! Tele Ode Number One ela lter. Basis Fax Number Motie Number: Ent& Meese;
340475-2528
Y Mao idenbilrildn NM & Nutter: VI Drivers License 14200411933 metatacian Emu:ten Oat
moo°
pt,F c JA€HEXSYSTEMS ceded ales CI No, explain say: y r - O t14/12 L,
Response: Year: / ct 6 7-State: NI ID Reverie Ay., ^Pea...mire( en 4
%%X BANK REFERENCE regiseeled 0 VS age. MIS MIY:
Response:
- Ctiedi here if there are adiaticra: signers on reverse see Of the Cient informoden Sheet (KYC) Business Accotetta
.1 Account Agreement Acceptance and Taxpayer Status ,1
The CrepoUtor horny mates that No Fralledi has been de senate- as a deposecry of :he depositor and Tel a has reviewed the Means:on contained it
the plant informatian Sheet (CM) and rrds t accurate on tan dale The Depositor has ntoeved and agrees to the Tome and &vet-erns fo• CommerM
Accounts and Rates and Fees Scheme, patently in Oka and as may be amended to the moo or account and seances a Nes *pieced
Under wages of paltry. the Depositm wanes that. (1) The number Mme on this ken 4 the and tax locencaeon number and (2) MN MO 00909410,
id not meld to backup veralekling either Mara (e) it has not boon molted by the Internal Revenue Seeks (IRS) that res' sublet to withholding es a
este ce Nam to rep** new of *mends or us that the IRS hes noticed the Depositor Mettle IV lager ekblocl to backup vsnoming er t a lynx
horn bout vAltheadeg, (3) the Deankos is e U.S. enter (Cross out subpart Mat new not true. If Seeerenent 3 is not elm crop{ out and complete
en appropriate Form W4)
The internal Revenue Senile does not require your assent to any unwept other than tie Certification required to avoid
backup withholding.
Data Tau (Seream7
1023:2007 I x Member
.....
Initial 5 •sit
Type:
O Caen Money Croy, p o e f w as e e a n do . c (R um ef e e n r t t o s o G u u r i c d e e o fo f r f h un e d w s : b o o r n so s u ) rce
®Cheek TrweassChk
O Transfer
Ex noted Transaction,. ;Montt)!
Do you :Mend t0 deposit checks with second endorsements? O Yes No
I Do you protdde cheek cashing ce remitter swims? 0 Yes al cba
Cleats: no. of Trannallont • 0 _ .._Q 11-20 O 21- 60 O Other
TON Amount (S) In DO 46.000 O ss.ocn $15,000 O 31b.001= some- - oncf-----
Type: O Cosh a Pecks O freerate Tian WISTNIMINWs 0 POS
O Payee O area Deposit O Mayers cseckeekeey Orders O ACM Oder
Dobib: NO• of Transact's: 0 - 10 O 11- 20 021 —80 q Olher
Total /motel (5): O SO - S8000 O 15.001 - 615,000 0 $15,001 - 660060 O ogler
Ivor Otani a ciente Accourtlrerriers aNktaretelais O POS
O Perot O Den Depose O Managers Chodaflaonsy Orders O ACM O Mei
Relate:, Accounts :.r.nrgrat Jot ,,:mlaneSMIamm dcrounbs,
Current 0 Yee O No Atom,: N Current CI Yoe CI No Account*
Atmore Tide: Account The:
Jeffrey Castor,
1 s .. t a e t in w n 0 o 02 v 0 a M e • &Asir ofU na** Even, Rye _CONFIDENTIAL SO NY_GM_0001 2983
CONFIDENTIAL FastBankPRO00146
EFTA _00123626
EFTA01268830

F _ _ .. .....
F rat Bab
8. Additional Authorized Signora Mon,
Authorized Signer Name: Oa fro n In dyke 'colossal- Anornoy Cone hie Attorney
Physab (10-ne) Actress Personal Mailing Address-
0100 Red Hook Quarter 83
St. Thomas USVI C0302 :. St Thomas USVI 00602
Sous Sect, n. Nv-, • Ian Of Bdh Ite: e0.1O ita Can Of:
New York USA
er Business sine Fax . -WS* sw.tec &nail Aness.
emit 20 Photo sane baton Typo e. Naeer. nntaceson Expiration On
3/10/2012
OFAC SYSTEMS called Yes No: /Mein Vito-.
y kJ
Response: Year. I. Q)(4 Stitt psi ID Reenneel V69 -1-e, VW Dip
PLC ZSBSASNNK REFERENCE requested 0 Y _Eno. «Pain Wry:
Response:
At:4,5MM Signer Name: Arrest Caporals Tit
Physkal (Horne) Address: Personal Mailing Address-
Social Secant/ Hunter Dee Of Bit Para Of eibh' Cozen Ot
i
Kane Toessone Number. 1 Business Telephone bunter. Barnaaf f Mobile Number EnraPddiess
Teen In Oettestetc Moe idsoefication Type S: Nuribét ideredestion EN S» Ode:
El OFAC CHEXSYSTEMS Yes El No, esolain why:
SSN R Year: St ID ReSPOnsiN
°RC REFERENCE reluesbed CI Yea 0 Not «Pan SW:
Response:
Authorized Higher Name: Prtientel: Cogger Tilt
Physical (Home) Address: Personal Mailing Addicts:
Social Ssottilte Number 1 Date Or &nit Plees Clan Ot
Horne Tenn:. Nurnbilt Business erepoon Rafter. &ninon /iota* Nunn Ems Mann
'Rash Ocean Paolo nortraton Type t. Number tdeattalion Eagratka Ds
O OFAC CHEXSYSTEMS Yes CI No. eoglain why:
SSN R YIMIC SIM: ID Ragout
CIRS.0 K REFERENCE requested ij Yes LI No. all:Plaiii.eir
Response:
Authorized Signer Name: Prigession: Corp:roe Tat
Physical (Home) Additbs: Personal Mailing Acidness:
Social Sectary nine ab Ot Brts:
Horne lblaphona gibber. tbsInna aleptiOn• WOW ex Mann Moak Number Emai Anew
ben rt ObOtikg Photo Type a uentmeancin Eiposen Oa:
10 OFAC CHEXSY ed D Yes O No, main why:
Year Stale: ID Response:
[PLC BANK REFERENCE requests:CY** 0 No. 10114:1M WAY:
R es>oe se-
Sco3ves Of al CS agnatiscal) cd
B
Mina OCtaCnUiSTOrenttieribilt (no Document Checkfaxataace ..fz72./(9 ,"
C OFAC t1P LC (Foulardt Ann* UN Veiled ea I ID'iar, . ~ .L. CA R O ev ta iewe n r 1 (I I it( (4)-1
Comneens ,..y
ROWS, For Denying Account.
I s ll Merchant Card Seivices E O e.FirstBank (Internet) D Cash Management
eremites:M. q Fpirst Fax O Night Deposition/
O Other
O Lk* Of Credit
_CONFIDENTIAL SO NY_GM_00012984
CONFIDENTIAL FirstBankPR000147
EFTA_00 1 23627
EFTA01268831

NAME AND ADDRESS
,First Bank MAINTENANCE FORM (RM)
%IL
Propetad Entered
IMMO: 732 u.mcnNI
on
Account tketri i I PI 1-3 I
03 PERSONAL on COMIMERCIAL to no. NAN= CODE DI aPPITY
Select °KNOW' In ST DAM O XS ORE O TO O Other,
.A.,AE A LE. ,...A..
Paul Name: *C. LLC
New Maw: NEW SIONtH TO BF AODED TO THE ACCOUNT
New IA NI Tltle. EIN NUMBER
Connector Cede:
Name: DARKEN INCITICE
Address, r 6100 RED NOOK CIVATER
Acidnies 2: SUITE 03
City ST THOMAS Matt: YI lip Cede: 00002
Nome Phone: Work Phone: ExtenNee:
Alt Phase: AM Peon* Typo: Pier ID:
Coated Profa WORKDAY Thom:
II-mail AO4nem
Eitlealt USA Soots Sepurltr SITU, Dote:
Primary ID: PASSPORT OlIgIn• LISA ID Number:
Satednary JO: Oriolm ID Number
Dander: MAID Language: ENGLISH Home OWININO SENT,
Off/ Employee: ...‘6,..W12B. Mersa' Status: SWN
Spouse InfowneLlow:
Name: CMS Dew
Customer Remote. IDS. on:
employer. PINANCAAL TRUST COMPANY
kmployee Since: 1 WAR Occvpatfort: LAVWER
Adams. 0100 RED HOOK OWNER B3
Gay- ST THOMAS State. vi Eip Owen 00002
Employer Mona: Amur ore= $u1icato.00
Employment Statue: FULL TIME
aaxes.,_
ti nO rs ....,
CONFIDENTIAL SONY_GM_000 12985
CONFIDENTIAL FirstBankPR000148
EFTA_00123628
EFTA01268832