EFTA01269354.pdf

Command ---> RMCS 04/02/19
Action I CUSTOMER REMARKS 10:20:09
CYPRESS, INC 66-0776879 Cust Init? N
Remarks
Add Employee Add Date Expiration Employee Expiration Date
CERTIFICACION BENEFICIAL OWNER RECIBIDO DE LA CUENTA7211096816
00253 02/26/2019 00/00/0000
PF2-Bkwd 2F6-CustRel PF9- SesSetUp PF13-RemFwd PF15-Cust PF20-CustName
PF5-AcctRel PF8-CustAddr PF11-CustSvc PF14-RemBkwd PF19-Top PF21-LstMaint
RMPCC8S1 RM3004 I: LAST PAGE LAST
CONFIDENTIAL SONY_GM_0003544
CONFIDENTIAL FMBankPRO00707
EFTA 00124187
EFTA01269354

CERTIFICATION OF BENEFICIAL OWNER(S)
The information contained in this Certification is sought pursuant to Section 1020.230 of Title 31 of
the United States Code of Federal Regulations (31 CFR 1020230).
Aceelant
Person opening en account on behalf of a legal entity must provide the following InfOrmationt 7211096616
1. First Name and tado of Natural Person OpeningM courd 2. Last Name Middle Neal
JEFFREY
EPSTEIN E
4 Name and type of LagS Entity for Which if.. Aecownt Is Being Opened
CYPRESS, INC.
4a. Legal Entity Address 40. city 4o. State 4d. ZIPIPostal Coda
6100 Red Hook Ouster B3 St. Thomas USVI 00802
SECTION I
fro add /41000nelhxhiduals, seepage 3)
Mate (=vide the fokronno information 'or an indMdual(s). If any. who, directly or indlrOctty, through any contract arrangement
underStaiding. rellestriship. or otheruiso own fl or MIND of the equity Interests of the logal entity kited above.
Check has q if no Individual meets this definition and conplists Section IL
5. First Mane IL Last Name 7. Mi. 1 S. Date of Birth
Jeffrey Epstein E
S. Address 10. City 11. Stine 12. ZIP/Postal Code
6100 Red Hook Quarter 83 St Thomas USVI 00802
13. Country 114. SSN (us Pmenvuon-o 2 Pearno 15. I
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u mber MK Passport Neintercreter shake
USA
lie. State of Issuance: 150. Cou o nuance: 18 Ownership %
USA USA 100
fgar to Mau of • pimp,'" reurar. NNW& Persons may also prone* a Sect Socunty rarest an enSn icienotcabon cam nuniton anent*,
and 'reunify lean* darn' ether government-Issued clescumfl evidencing nancnaety w teexlence and beefing a pnolopespe or the
eloper,
SECTION II
Please provide the folloWng infaimatays for an nthidual with simile:ant rentichisibilitv for managing or directng the entity. including, en
executhre officer or senior manager (e.g., Chief Exeadiyo Officer, Chief Financial Officer. Chief Operating (ricer. Managing winter.
Genital Partner. President Vice President. Treasured: or Any other individual who regulany performs senior functisons. it
17. Fret None 18. Last Name 119.E O a L I
Jeffrey Epstetn
21. Address 22. City 23. Stage 24, EP/Postal Code
6100 Red Hook Ouster B3 St Thomas USVI 00802
25. County 26. ESN Sig (US.PeeseneltlenitS Ann) 27. Identification Mal,Pesapartearnarrordharardir
USA
275. State of Issuance: 270. Country of Issuance:
USA USA
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1, JEFFREY TTSTELS (name °hymn aceetud).h ereby certify, to the best of my knowledge, that the
information pro in is true erred. If am of the atm e mentioned information changes I agree to provide the
financial l don twin such changn.
Dote: coa. Lk Lactic
OeXDOEYITI)—•
Past its
CONFIDENTIAL SDNY_GM_00013545
CONFIDENTIAL FirstBankPR000708
EFTA_00124188
EFTA01269355

. ,
1 First Bank Name and Address M Intenance Form (RM)
Entered by:
Branch: Waterfront-Platinum Banking
Customer Name: Cypress Inc
q TBA el All Records 2/26/2019
O The Customer Relationship
Maintenance to:
O The Following Accounts: 0 Credit Card Account Number:
Account: Account Account
Account Account Account
Account. Account Account
_
Instructions: P ease complacalytheiseaon where the intuntenanCeignterRIG •
NAMERLIGIAL TITLE MAINTENANCE
Actual Name: Jeffrey E Epstesn
New Name:
New Legal Title:
cassava
BENEFICIARY OWNER RELATION PERCENTAGE OF OWNENSIIIBOINFIP SCREEN
Authorized Signer who is a Beneficial Owner 0 •A-B
Authorized Signs who d a Beneficial Owner and has significant response:Ay ACB s'
Indanduel '*O is a Beneficial Owner q n BEE %
Individual who is a Beneficial Owner and has signtant responsibility q - OCT %
Authorized Signer with &railcard rostcnsibility for managing tho logal entity (Control Prong) on AC
Indvioual who has significant responsibility for managing the legal entity (Control Prong) ❑n CRL
JWORESSrTELEPHITHEIINIITENANCE
•
Addresst: Also Residential Address?
Address?: 0 Yes q No
Cllr State: Zip Code:
Nome Phone: Work Phone: Extension:
Alt Phone Cellular
Alternate Phone: Type: Phone: 0 Do Not Call
E-mail Address: 0 Do Not Email
rAMAINIErPRomLE
Citizen: Social Security: Bath Date:
Primal), ID: ID Number. Gender
Secondary ID: ID Number: OfflEmployee:
Employer:
Employee Since:
Address:
City: _ Slate: Zip Code: _
Employer Phone: Annual Gross:
Employment Statue:
NAICS CODE (if k
signalCwroA -- Customer Siganure
NNW-0143O6ln
CONFIDENTIAL SONY_GM_00013546
rlrM6ankPR0007o9
CONFIDENTIAL
EFI'A_0012.4189
EFTA01269356

e A s c z c t o -t u x n - t c T u y v p e e . : A x — s Account Number: Sign. Req. Date:
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CONFIDENTIAL SD NY_GM_000135.47
CONFIDENTIAL FirstBankPR000710
EFTA_00124190
EFTA01269357

"11
1 First Bank
Customer Due Chrigence for Business - Entities
Existing nt Number
Business or Enufy name: Employer Ichwinficatlen or Socaai Security Number
-Cypiwarlee. 66-0776879
I —BAName (if aGpeli4 -- Soda Seerrity Number (8 applicable):
Physical Address: Mating Address:
Red Hook Quarter 83 6100 Red Hook Quarter 83
St. 'thorns V! 00802 St. Thorned. USVI 00$02
amines, Phone. 340.775-2525 Far. Email:
Type of Business Hold no Conm . Not dal® Sue. NAICS: 561110 Annual Sales: rI
Date Established: 11/22/2011 Number ot Employees: 0 Webs. of Offical: 1
O DBA 0 Cormation O *soca COrlmslemn O Padres)*
Type of entity O Oeuvre:sent Agency O llne1COnorated Assodaton or Only O United USA' Catcall'
O Cite
O Certificate of Deposit Ei CISettkina O Saving O Loan 00ther, specify
O Pero, 51 Cy:atone altust O Pubic Funds OATM Macnine scow O Tramper Fifth
toady Trines:den
Tnnsad Ions O 1- 10 El 11.20 O 21 Orman.
Pa Total Amount O si -{6900 O $5.001 • $25,000 0 525.0010 more. I
nano:action Tv* O Cesh O Payroll ®account Twisters El ACH 0 Made O POS
0 Electonic Tire*. O Other: _
Transactions O 1. 10 11 -20 O 21 Or mere.
El
Toad Mown O i1• 36900 O ss4oi -320.000 0 515.C.51 amore.
Trsnsacaon nen O Cosh O Petree 181 AccowitTnInnis E1 ACH EI Oack. q POS
O Becket Twisters O Other:
CI Inlemstkmal Tiansactkas -Mrs Transfers ("\\(:\--..
O IlICOding Tanners O Outaoino Transkei
O Oaely O MOP O WOW O Nay O Weeny O Monthly.
Transactions 0 7.10 0 11 -20 O 21 • 50 O 51 or ma Tiantactioas 0 1.10 O 11-20 O 21 -50 O 51 or moms.
Toni AMOINII 0 it . same O saw _sant* O wpm o mem TotalA mount 0 Ss • mow O $23,001 - ICC.= 0000.0010 ea
Countries Countries
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ilea' Depot." and Oi:gmn ol F;jc, is
VOW Devoe& 91.300.00._ Orkpla °firms: che&
Sae inn' depose 4 greeter Man 5500.000. indicathe source of mien,
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. Has snow .7. E. 0d " yet VW a.thrZea, fan b 5034rolinet Doctezred.S.SA phtstn *snot
A. Is the NAICS seloaml mgr roil
B. Does en Wens:se have a prime ATM maim on see/
C. la the Manna a romvon organization?
D. Is the buttress a Mittel eareMitbbe or 0413.0aliOn?
E Is the business misted ban once cis/mar tlemErnmed? Inda te t" type a folittOMMID
ink liaris c.rieests ed esPvtan relittO to lerret V ry
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Name of the Representative who attended your call:
Resew,* to Employer Identification or Social Security: Year:_ 0d
Response on Industry Behavior:
P Account Openi I _aQiiv e
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CONFIDENTI8L R000,7SO1 NY_GM_00013548
CONFIDENTIAL
EFTA_00124191
EFTA01269358

Bank Customer Due Diligence
Business Accounts
virgin Islands
Account Title (*Depositor): CYPRESS. INC
Account Number:
S.S ;TIR'El
Physical Address: RED HOOK OTR B3 Mailing Address: 6100 RED HOCK OTR 83
ST THOMAS. VI 00802-0000 ST THOMAS. VI 00802-0000
Business Telephone I MOOT/75-2525 Business It I ImemetrYiebsne Address:
Line cf Busiress: Office Administrative Se NAICS Code: 581110 Date Establiehted: 11122/2011
Annual Sags: $0.00 NM% of Offices/Brandies: 1 NOr. of Employees: 1
ritgroggwastmo Own O Lease MijitingekO Advertisement OCurrentalont 00ther
Contact Person Nan» $ Tide - Contact Pew= TSeDtone
2 Account T •
O Sore Proprietorship O Partnership O COrporadon ONon-PnAt O LLP DLit M Other COM
p7 Cernmereili Cycling O Arwood 00 O Corr:neva Statement Sy Commercial Peitsbook Sayings
Cameras 08* Checkim DI Arranged OD Offtivore (Bali 8 Cara DIM Statement SV Government Passbook Saito
• Gmern-ront Chmidna O Anange0 CO DIM Correnercial /Aaximarer SV Cantors CI Deposit
O Cammerrat Checking 1CLTA CI Government Slammed SV O Correneroal 084 &tamer SV O DON': COMMERCIAL CHECK A
. anal, .n 1. each aulh . •
Authorized Shiner Name: JEFFREY EPSTEIN OMl aratibilMbli
Physical (Home) Address: LITTLE ST JAMES ISLAN7) Occupation. FINANCIAL CONSULTANT
Personal Malting Address: 8100 RED HOOK OTRS STE 83
ST THOMAS. VI 00802.0000
ST THOMAS. VI 00802-1348
8odYjBC Dates • Placoot girth: I Citizen of:
US
. ; Business Tarawa, . motels number: Email brine&
, I (34017752523 JEBREMeSATTOL
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PASS' td
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In YES —
OFAC/PLC O fatilININSIMINIMM O YesO NO. explain why:
O WOW #409014,94C/Me
4. Account A roomer:I Acce •lance and Tax a i
The Deporteor hereby tarries that Firsalank has teen designated ass depossory of the capon°. and Mat It KS! reviewed lee iriormedon cotaladnetl
in vas Client Wormed Sheet (XYC) arc finds ri accurate on tris am. The Depositor has rented and saes to the Teems and Fanwoerle for
Ccrenerdal Accoses and Rates and Fires Schedule arrettry in tact and as clam be amended for me mite of a nt and senates it has selected.
UMW Wane* of Wier. !he Depositor relines that (1) The runter slow on role torn, is Me correct tax klerifiecaton nuaber and (2) mat are
Depowtoo is not sidereal° timbre Menrcldre eter braes: (Mitres not been meal by IN Inicimil Revenue SINGS (iRS) that It a *Asti to
withodwg marmot of failure to report all rderest cc dMdentle. or fral dud Me IRS has nailed me Depositor that it h no angel' yoga to backup
winhodirg rat it Is Barnet from backup Artnelarg. (3) Its Delscalti d a U.S emity. (Goa Out subpart Val if it is not true. N Statement 3 is not
true. cross out and complete an apprepliste Rem V&S)
The Internal Revenue Service does not require your consent to any provision of this document other than the Certification required to avoid
I backup withholding.
Date n
5. Initial De Sit
•unt $1.000.00
T• CHECKS rinenLyie
• toorei • ::
• •
Do tau ifir!ill to C÷,-.Sit .M01;, fi with *woo ii c hadomdialigla O yes O Nis
Do yetiP rovide coeticc-seang or wcirter .t.-- rikts't O Yes O No
Credits: No. of Tninsactione: O 0.10 O 11 .20 O 21 .50 O Other. 0 - 5
TotalMOUS (sy O $0. 55.000 O $5.001- $15)306 O 5150x1-$50.000 O Other: 30 - 51000
Type: O Oath O More O PcomegToresere O waTmain O POS
O PM'S O UMW Deposit O &eager. Cnecksmoney Orders O A04 O Mier CASH
Debits: No. of Transeellons: O 0 - 10 O 11 - 20 O 21 - 50 O Other: 0 - 5
Take AMMO (U CI $0 - 25.000 O $5.001 - 315.000 O 516.001-U0.000 O °thee 30- $1000
Type: O oath O Oaths O Assam Transfers O Vats Transfers O PCS
O O Otos Moths O marethee clecks:Mceity Criers D kcn O per CASH
Current O Yee O No Acton, Gwent O Yea O No Ace:until
Aoactert PS: Arscral Mt
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WVEI nate. CONFIDENTIAL SD NY_SM_0001 3549
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CONFIDENTIAL rstBankPR00071
EFTA 00124192
EFTA01269359

ip:e•TMIIMTTleTribTrrn't rizrjrinerun
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Authorized Signor N3M, • DARREN INDYKF
Cc CP CHEM I to. _
Physical (Home) Address
CccuoaLon ATTORNEY
Personal Mailing Morass:
- Sacial Dated Earle Co of Sint
02/01,1986
1 Etter . • #0)$$43 1 f, . . ,
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OFAC/PLC O INglitittilSailiala O YesO No. explain why:
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Authorized Signer Name: ftdiiiiiigali
Ftrniest (Home) Address: Occupation:
Personal Mating Address:
&Mal Secure/ Nutter Dale of BM Place of Bret: I Ciao**
Hama Tel/4%cm auntie: guineas TaliOnne Neer Mottle Number: 1 Ernaii Ad ette
Ahab Identilemen Type a Karma:
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OFAC/PLC O illinitaillill O YoiO Noommin »tor
MOM
Authorized Signer Name:
tebetilP)Plet
Physical (Some) Andreae: Occupation:
Personal Mailing Address:
Social Sanity Iambic Date d'art Pace xi Birth' DATZSOD
Yerne Tempera Karam: Dueness Talept•ene tarter ' Motile Hunter Email Afte14:
Plate Ylentilkailion Type & Innen lartexelOn Expireeen On:
O CHEXSYSTEMS . walla
O 0040140ittilif/ wtttiMillit
OFACrPtC O 0niall0gkitilaiiiiit O Yes O No, explain why:
NOME]
Authorized Signor Name: reigNinifil---
Ptysical (I lone) Maass: Occupation:
Personal Mating &Wren:
Soca( Securtly Nine 1 Dena Bin: PM« or Baer
More Telerrone Hinter. Wenn Telepe0ne Near Noble Number. Email Addixer
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Inflamer. Rtning Date:
NAT= We IN CONFIDENTIAL SONY_GM_00013550
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CONFIDENTIAL FirstBankPR000713
EFTA_00124193
EFTA01269360

Fan, WS
Request for Taxpayer
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CONFIDENTIAL
SD NY_GM_00013551
CONFIDENTIAL FirstBankPR000714
EFTA_00124194
EFTA01269361

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s t a c t h a b h a e y o u a v s t f c e e o B a W y , l u y o a l h p o o s u s e e l u e w n e d u a i a t f s n o o s i e g n l e d i b y e n t n f e l o h o g a a u r e y a n r m s t i a s i E ( n n i s x i D g f ) h o n , p d e r e b a r o m d c y o n n o d a c s t r t e r e h o i c r s o e c e e a s r n n c e i r & t n p t s r i t g l , o e a n e , c n n p ( t e o s r e i u e i r v o r s s c e u n i u e n d Y n e l n g e t a t f S s w 1 r t i I , h e n N 0 n e e a d . . n i n y a & d o t c I t u f a r o a e r r c o t e l r h h a r e a e e t c e y d t o e d i n t u x i e n f c r a o a f o c o r r r r t m e r r l m e o p y a s f r a t p f e a i t o o i s s o s n n e t n d s n u e i e t c s b i n a a n c t n e n i e t v n y o , d a e o t b , u i t c o r r y e o v a o i r r e s u c u r . e c n r o v c u A t e u i s r n n t a y t y t s , f t v i o n i o s a l h p r e r o n i o w a e o r v t n . t i a e o n n n t .
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c i e n o le s rp c tr t o u i I r o c t a n t t i i y o o o t n n o u s m f in f i a l o t e s e r t n a n d P o e P t r t o n o r c 2 n e 5 e l e 1 5 r 1 t c 3 a 2 , t i 0 n E t - o S l t e e R f c t i t u t l i i e o s • t n b y b e o A y u N r i a l a r o S e t f m t u w e t r i l h n l t h i s a m i n s a i n t c a i f n e o a e r r t e n n a s a i e n l C t i O e t t S w n im P i i O n e s r r e n s i r i 0 n : 1 n c 2 o l c . u o d l r a e p i d d o r i t a n h t e io t h n e . en
CONFIDENTIAL
SDNY_GM_0001 3552
CONFIDENTIAL FirstBankPRO00715
EFTA_00124195
EFTA01269362

Business Verification Results
Page 1 of 2
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RESULTS SUMMARY
OFAC CHECK: PASSED
IDV RESPONSE: OVERRIDE
EIN: FAI
Input Elaill.M
NAME MATCH: PASSED
Input Name: Cypress, Inc
ADDRESS MATCH: FAILED
Input Address: Red Hook Quarter b3 St Thomas VI 00802
Dif. Info: 9100 HAVENSIGHT SAINT THOMAS UNIT ST THOMAS VI 00802
Dd. Info: 9100 HAVENSIGHT PORT OF SALE ST THOMAS VI 00802
DN. Info: PO BOX 6347 ST THOMAS VI 00804
Alternative verifications
PHONE MATCH:
Input Phone: No verification data given
Additional Actions taken:
• Note - Please confirm the BIN.
Override Comments:
On 05/07/12 at 03:12:22 Madelin Colon Added: Cleared - Other
(type in reasoniClient has provided the 554 dated 12/15/2011
and the Articles of Incorporation. Client previosu address
was verified and the address previously used was the location
before relocating to Red Hook.
Account Status: OPENED
EtiattkOieste -
IMPORTANT INFORMATION FOR CONSUMER REPORT & IDENTITY VERIFICATION SERVICES
the iternisterfbusifiess oats is being furnished Li conceition with a transaction insisted by the catitUITS, end I a N eta:edam
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CONFIDENTIAL SDNY_GM_00013553
CONFIDENTIAL FirstBankPRO00716
EFTA_00124196
EFTA01269363

Business Verification Results
Page 2 oft
In C u B n 0 o d 0 n h e 0 s t r u r h r m t i e h n e e o m r K A R it o R t e r e p A( n o F. r i t T n t h s e e t n r ) u t d l t e a ti s t a e t s h n c m e s o G O a n y t f r r t i i n m h n o e e m t d a b I L e n n e v n e th i c e u i h w s m F e re i d ; n p l o t e o o y r r w t p h m r h a in o a t ( m y e G d b L t h e i B n e A V r I ) t e n . ; : s f m o o te r e r d m I n S e o a w t r : t 4 i p o i 1 n r n w i g n r i o t u t e h u s d t m e e F , a s o I k r n a n i n s c o g o p o n r a o n t h p v e e i c r d e r t e r - p o d a u n p r f p o p w r o r i o t s u h v e n e a . d d c i e t c e A r o 0 r t u m f h I n e l l o t e f r t f e e i k C d v r e i C e o r w a r f e l C F a tu r s a e r i p d n r i r e O t o d ( v p m I i r d n e e i t s d c r f e o e r n).
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517/2012
CONFIDENTIAL SDNY_GM_00013554
CONFIDENTIAL FirstBankPR000717
EFTA_00I 24197
EFTA01269364

QualiFile (NAC)
Page 1 of 1
IMPORTANT INFORMATION FOR CONSUMER REPORT & IDENTITY VERIFICATION SERVICES
t w h i i t s h c M c e es ' t t r a im m eri bu in s A m n e r s c s t o d h a s ta o i f s t b h e e i n tO g n fu s r u n m is e h r e , d to i n e d co a n m n e th tt e ro I n n fo w r i m th a a t io tr n tm /e a l i a a t c e t s b n a I s n p it O ia v te id d e b d y f o th r e u n c d o e n r s ' t u h m e e fe . d a e n r d a l / F o a r t I n C a re c d c r o t r dance
u R n e d p e o r s t i h n e g s Ac o t ( u FC T R h A e ) d a a ta th c e o G nt r e a s m te m d I W n t a h d is i & rt R 0 e e y s t A m ct a ( y G b U e M m ) i ; m o e r d b o b r e f in l g u e s d e ( d o a f 1 A c n o o n t n h e e t r t io pa n t h w 0 i 1 th 1 e a . c In c f o o u rm nt a r l e S v o i n e w re a tu s r p n r e o d v i i n de d for
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Business Information Response
Business Information (As Entered)
Cypriot* Inc
Fed Tax
Red Nook Quarter bl
St Thomas. VI 00102
Non FCRA
Identification Intommbon
Federal Tax Id & Business Name Match No
Cheaysterme MOM
No Closures Found
No Purchased Debt Found
No Previous Inquiries Found
Inquiry ID
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Referents Detail
Transaction Tracking ID: I3M421517973:2163 VAAP30iP Zt
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5/7/2012
SONY_GM_0001 3555
CONFIDENTIAL FostBankPR000718
EFTA_00124198
EFTA01269365

1 First Bank Customer Due Diligence For Additional
Signers on Individual Accounts or Authorized
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ACCOUM Number which IS attaChed to the Signer
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CONFIDENTIAL SCINY_GM_0001 3557
CONFIDENTIAL FirstBankPRO00720
EFTA_00124200
EFTA01269367

Corp No. 581974
00VINSENNINT
OF
THE VIRGIN Street OF THE UNITED STATES
— 0 —
CHARLOTTE ANIALIE, ST. THOMAS, VI 00002
IIs Sil to libels Slim Sirevotis Mall £amt:
1. the andersigned, LIF.UTF:NANT GOVERNOR. DO hereby certifies that
CYPRISS, INC.
Ruaiotas Corporation
I o n f c t o h r e p o V r i a rg ti i o n n i . s d la u n ly d s a c fi k le n d o w in le m dg y e o d f . f ice on November 12, 2011 as provided for by law. Ankles of
WHEREEORE the persons mimed in said Articlav and who have signed the same, and their
a S n ti d C e fo ts r S t O h n e , I a m re p o he se re s b v y e d t e fo cl r a th re i d n t s o a h id e A fr n on k t le th s e , w kn it e h a th fo e r e ri s g a h id t o , a f s B u u c s c in e e ss s i s o n C a o s r p th o e ra re tio in n s b ta y t e th d e . name
Witness my hand and the seal of the Govemmern of the
Vincin Islands of the United States, at Charlotte Amalie, St.
Thomas:this 27th day of December, 2011.
Y R. FRANCIS
Lieutenant (Moan of the Virgin Islands
CONFIDENTIAL SDNY_GM_00013558
CONFIDENTIAL ArstBankPRO00721
EFTA_00 124201
EFTA01269368

tThDAVIT RE NOT DOING BUSIITha
I, Darren Indyke, being of lawful age and after having been duly sworn, state
that:
1. I am, and have been from the date of the filing of the Articles of
Incorporation, a copy of which is attached hereto, the Secretary of
Cypress, Inc. ("the Company").
2. I hereby confirm that the Company never did any business of any
kind from the date of the filing of the Articles of Incorporation
through the date of this statement and further state that the
Company has no intention of doing any business in the foreseeable
future.
3. I hereby further confirm that the Company was formed solely for the
purpose of holding certain real estate, and it is not intended to be
used for any type of business.
4. I hereby further confirm that the Company will not do any business
of any kind prior to applying for and obtaining a United States
Virgin Islands Business License, a copy of which will be delivered to
the Bank.
5. The Company requires a bank account for the purpose of corporate
expenses.
6. I have personal knowledge of the fa is herein stated. r ,
Darren Indyke
IN WITNESS WHEREOF the parties have signed and sealed this agreement
this le day of April, 2012
SUBSCRIBED AND SWORN to me this day of /9 2012
No ry Public
HARRY I. FELLER
Notar . y . N P o u . b 0 li 1 c. 9 ( S 4 e 9 lo 5 3 o 9 f 2 N 4 e w York
outr..taci
Commission EX T P o O p 'S I C F • it 4 CO 7 W . 2 L 0 Cr
CONFIDENTIAL SDNY_GM_00013559
CONFIDENTIAL FirstBankPRO00722
EFTA 00124202
EFTA01269369

ARTICLES OF INCORPORATION
OF
CYPRESS, INC.
" i I a b W n s V n u l w d a s e ir i n , r g n s d i t e i t u s h n i s b n e s C I j g e s a o u a l c n d a n n t d n e d d t ) d e o , t s d r h a " s o t e s ) i h , g c t e p a n h e n r e r e r o t d d e i m s f q , p a y u o m a f : i o t r r i t e e r o i c m m n t u h e l a a a e n y n r t l s d p b y u e o c t r h f a o p e m n o t h d G s e e e u n e s c d n l t a e o e w o d r f a s f f l a r t o C s o h f s m e o o t r c h o p t i e i b a o m t j r i V e a e n c t i g i t t r o s o g n t i a o n t n i L m d e I a s s e w l t p , a a u d n o b r o d l f p i s s t o m h h o s e a e f a k s V e th h c i r a o e e g n r r i e t p U n / i o n n f I r i a s i a l t l e f e t a t i e d n t o h r d n S e s s s t t ( a f e a C o t t A e e t h s d r a t t , ( p h i h c u t e e e l n e r r d t s e r 1 e i a o n , r n f T a s t f I i h a t n t e c e l c e r t i o p 1 o c r r 3 n a p o l , o l v V o e r i d a s f i t i r i o g t t o h h n i n n e e s
ARTICLE],
The name of the Corporation (hereinafter referred to as the "Co:potation') is Cypress, Inc.
ARTICLE U
V V 1 K T 5 i i h e r r - e g l g 1 l i i 6 a p n n , h r I I i a S s n s l l l t c s a a . i n n p F T d d a e h s l s r . g o o 0 u m f 0 f s 8 i a o c 0 s n e , 2 L , o U a I f . . n S P t d h . . e w w V C h h ir o o o g s r s i. n p e e o m p I r h s a a l t y i a i l s o i n i n n d c g a s i l , a n d a 0 d d t 0 h d r 8 e e r 0 s e 2 V s s s i i s r a 9 g n 9 1 i d n 1 0 0 0 I t 0 s h H l e a H a n a n n d v a s n e m s $ n i s e g i l g h o o h c t f , t a , P t t e P h o d o e n r a t r t o o e f 9 s f 1 i S S d 0 a e a 0 l n l e e , t H , S S a a u g u v i e i e t t e n n e t s 1 1 i 5 g o 5 . h f . 1 1 t, 6 6 t h , P , S e S o t n t . C T T o o h h r f p o o S o m m a r l a a a e t s s , i , , o S U U n u . i S S t i e s . .
ARTICLELLI
W her it e h b o y u p t r l o im vi i d ti e n d g t h in a t a t n h y e C m o a r n p n or a a t t i h o e n s s c h o al p l e h a a v n e d t g h e e n f e o r l a l l o i w ty i n o g f p t u h r e p o al s l e o s w , a o b b l j e e c f t u s n a c n t d io p n o s ; o (e f r s t ; h .. e : Corporation, it is
(1) To engage in any lawful business in the United States Virgin Islands.
a (2 ss ) oc T i o at i e o n n t , e c r o i r n p to or a a n ti d o n c . a o rr r y g o o u v t e a rn n m y e c n o t n o ta r c g t o s v f e o rn r m or e n in t a r l e a l g at e i n o c n y . t o the foregoing business with any person, firm,
V (3 i ) r gi T n o I s c la o n n d d s u . ct its business in the United States Virgin Islands and to have offices mann the' United States
m ( to 4 o ) r g T t u g o a a r g b a e n o s t r e o r e o r w o lo t o h a e r n r s r a , l i c e o e n t h s m e u o r p n o t e y n y p a e t n o s y a o a n f n y d i a n a m d ll e o b o u t f n e t d t h n p e e e p s r s m r o a i p t n t e e d r d t y f b i o y n f a k n e w v c e i n b ry g y k t o h i b n e l d i s g o a a l f t e i t o o h n r e s i , C s s a o u n r a p d n o c r t e a o t o i s o f e n o c . b u l r i e g a t t h io e n s f o o r f e g an o y in k g i n b d y ,
w b o c U t ( h 5 u o u i n ) e t s n t h i i n t n o T a e e e t t f d o h t c s a o e s t S d i i r n o c t l o a a m n o c t w r a e o e w p l s s n n l o i n a t o a t r h e n a n f o c t d d o f i t t o e h t f a e h n d o e n v e s r y e w V r e w r i i i y g f o h r t i t n h g f r e h m i t i t n c t h n h h s o e g , e e I u r i s n n n o l s e a t d e a b x r n c i i i j p d v d e e e r i s s s c e d b s , , t s u a u s a a s r a s l n n y o y l i d s d n , r e , e s n t a t t s u o h o s u s i s e , t m d a o e p o b x O c e r l e i r C o e a a a r p C n t c t a i e o I i y o n C s d s n e d l o e i s h t s t a p h e o , o n r e r o r y f e o r b c i p a a a n j o n e e n c r o y r c t d p s r t f o s o a o n o r f l a r a o r l n t t t t p i t d . h h o h o e e i n p w n s a p o g e c o i w s r c t w s i e o n t r e n m h c s r o e i s p o d w l V e h f i s n e o i a h r t r r n g a e m y l i i h n n e o e p n r I r s a t s e e a r l a o t t a p f f n p t f t e d h o a u r s e r n r t r t c y a h e e o n , o n o n d f e a f f i n e e n t t t h r l h o s r e e t t e e o r w d i p a n o h u b l c r o e r y o p r n g n e o l e r a s o s i i w n o e w s s t r e t i o h n o n i n n e g r t
T ra h m e s p o la f i n a e n s y t * o , t h o e b r j e s c u t b s d a iv n i d s i p o o n w o e r r o s f s a p n e y ci f o i t e h d e r in a r t t h ic is le A o r f t i t c h l e e s s e h A al r l t i n c o le t s b o e f l I i n m c i o te r d p o o r r a t r i e o s n tr . icted by reference to the
CONFIDENTIAL SDNY_GM_00013560
CONFIDENTIAL FirstBankPR000723
EFTA_00 I 24203
EFTA01269370

ARTICLE IV
( T 1 h 0 e ,0 t 0 o 0 t ) a s l h n a u r m es b o e f r c o o f m s m ha o m n s s o to f c a k ll a c t l $ a . s 0 s 1 e s p a o r f v s a to lu c e k ; n th o a p t r t e h f e e r C re o d rp s o to ra ck ti o a n u t i h s o a ri u z t e h d o . r ized to issue is Ten Thousand
( T $ h IP e C m O in ' imum amount of capital with which the Corporation will commence business is One Thousand Dollars
AUX:LE
The names and places of residence of each of the persons forming the Corporation are as follows:
NABIF
RESIDENCE
Enka A. Keller:hats
Ferguson
Brett Gary
ARTICLE VI
The Corporation is to have perpetual existence.
ARTICLE VII
s c F t r o o e r c a k t t h i h o e o n l m , d d e a e r r s r f a i , n i g t i e t i i t s o n n e fu , m l r i t m o he f it r t a h p t e i r o o b n v u i a s d i n e n d e d s r : e s g a u n l d a t f io o n r t o h f e t c h o e n p d o u w c e t r o s f o th f e th a e f f C ai o rs rp o o f r a th ti e o C n o an rp d o o ra f t i i t o s n d , i a re n c d tio lii n f a u n rt d h er
(I) s T b t y h o - e c la k n w h u o s m , ld b b e u e rs t r . i o n f d n i o re c c a to s r e s s o h f a t l h l e th C e o n r u p m or b a e ti r o n b e s h f a e l w l b e e r t f h ix a e n d t b h y re , e o r ( i 3 n ). th T e h e m d a i n re n c e t r o p r r s o n vi e d e e d d n in o , t t b h e e
a I a n n nd d f u e s r m u th b p e je o ra c w t n e c a re e t d a a : l l n d tu n n e o s r i t n o t l h im e i p ta r t o io vi n s i o on f s th t e h e p r o e w of e , r t s h e co B n o fe a r r r d e d o f b D y ir th e e c t l o a r w s s i s o e f x r p s r e e s V s i l r y g a in u t I h s o la ri n z d e s d ,
(a) To make, adopt and amend the by-laws of the Corporation, subject so the powers of the
stockholders to alter, repeal or modify the by-laws adopted by the Board of Directors.
To authorize and issue obligations of the Corporation, secured and unsecured, to include
therein such provisions as to redeemability, convertibility or otherwise, as the Board of
Directors in its sole discretion may determine, and to authorize the mortgaging or
pledging of, and to authorize and cause to be executed mortgages and liens upon any
property of the Corporation, real or personal, including after acquired property.
(c) To determine whether any and, if any, what par of the net profits of the Corporation or
of irs net assets in access of its capital shag be declared in dividends and paid to the
stockholders, and to direct and determine the use and disposition thereof.
2
CONFIDENTIA L SDNY_GM_00013561
CONFIDENTIAL FitStElankPR000724
EFTA_00 I 24204
EFTA01269371

r
(d) To set apart a restive or reserves, and to abolish such reserve or reserves, or to make
such other provisions, if any, as the Board of Directors may deem necessary or advisable
for working capital, for additions, improvements and betterments to plant and
equipment, for expansion of the business of the Corporation (including the acquisition of
real and personal property for this purpose) and for any other purpose of the
Corporation.
(e) To establish bonus, profit-sharing, pension, thrift and other types of incentive,
compensation or retirement plans for the officers and employees (including officers and
employees who are also directors) of the Cotporation, and to fix the amount of profits to
be distributed or shared or contributed and the amounts of the Corporation's funds or
otherwise to be devoted theteto, and to determine the persons to participate in any such
plans and the amounts of their respective participations.
(Q To issue or grant options for the purchase of shares of stock of the Corporation to
officer and employees (including officers and employees who are also directors) of the
Corporation and on such terms and conditions as the Board of Directors may from time
to time determine-
To enter into contracts fox the management of the business of the Corporation for tams
not exceeding five (5) years.
To exercise all the powers of the Corporation, except such as are conferred by law, or by
these Articles of Incorporation or by the by-laws of the Corporation upon the
stockholders.
. - •
To issue such classes of stock and series within any class of stock with such value and
voting powers and with such designations, preferences and relative, participating'opnond
or other special tights, and qualifications, limitations or restrictions thereoc3n is stated in
the resolution or resolutions providing for the issue of such stock adopted Ey the Board
of Directors and duly filed with the office of the Lt. Governor of the Nrintin Islands in
accordance with Sections 91 and 97, Chapter 13, Virgin Islands Code, as the same may be
amended from time to time-
agnas
Vu
No stockholder shall sell, convey, assign or otherwise transfer any of his or her shares of stock without first
offering the same to the Corporation at the lowest price at which the stockholder is willing to dispose of the
same; and the Corporation shall have thirty (30) days within which to accept same; the Corporation shall notify
the stockholder of its election in writing. If accepted by the Corporation, the stockholder shall promptly assign
the shares of stock to the Corporation, and the Corporation shall promptly pay therefor. If the Corporation
rejects the offer, then the stockholder shall offer the stock to the remaining stockholders under the same tams
as offered to the Corporation; and the remaining stockholders shall have thirty (30) days within which to
collectively or individually accept the same in waiting. If the remaining stockholders reject the offer, then the
stockholder shall have the tight to sell the stock at the same or a greater price than that at which it was offered to
the Corporation. If the stockholder shall desire to sell the stock *releaser price than that originally quoted to
the Corporation, the stockholder must then repeat the process of offering the stock for sale to the Corporation
and the stockholders in tram Shares of stock in this Corporation shall not be transferred or sold until the sale or
transfer has been reported to the Board of Directors and approved by than.
3
CONFIDENTIAL SDNY_GM_00013562
CONFIDENTIAL FirstBankPR000725
EFTA_00124205
EFTA01269372

c N o o n s s e to n c t k o h f o a l d m e a r jo sh ri a ty ll o pl f e t d h g e e d a is s i n c t o e a r s e t s e t r e s d l m fo e r m in b d e e r b s t e o d f n t e h s e s B a o n a y r d s h o a f r e D s i r o e f n s e to s c s k o w f t i h th e o C u o t r f p ir o s r t a o t b io ta n i . n ing the written
ARTIO V n‘
w d w t e e v A h i e l l o s a e e e t r p t i c e c m v e e a t t e s e h n i l o a l d e s n t n s e . h e l o d l h a d e o t T , e i t c c w s h f t ( o e h i e e i o d t a r x h n i o s l r c s l s , e t f e h c o i c o e f p o t c t h t n o a m k f e s r f h l d s o l a e o m i o r y n r l w e d e f t s s c e i i u t e e t n h t h r c c t o e i m h n w r 4 r s s g e p a c r , t s i r y o a t e o A p i s c n a o v e k t c g p i u c h s l h e r t t o t i o o a o s t l a v d o s n t s l o i t e / d u a h c t r v c e e s s k i o s h d n h w t t o e o c ( o b h 1 o l s d r y c 0 o r e u f p h ) o l r w m a o e d r w r s o r a u a a h y . u l t s a s a e s l F h d t l i n i l a u a n v h o r b r g c e e t a t e t l h s i e i v v c o e e e o e o n d r n t m b i s f i b t r n e i h e e s t o g l e a c t e i r o ) n n t l e d l o c g t , b = h r k t t e t e o o h a S m g k e r s a a e i u t d v s m o n l e d i t s c . m i e n p t k r t e , a h l o i i h b t n e o i o n u v y d ld w g t o e v e t b e a e o r y t v n t h w u e e d e t s r p o h m v t o u e a h o n l s e a d n t e m t s S u h b h m h o e o e a a n f b l e a t l g e e s n c e h t t r a t q o O i i o t n u o c l l e n y d k a f d e h i l t W d f r o t $ r h i s l o r O d a e e u e r c c c o e n r a t h r s o u C s m r m m t m O s f e o b O o a t e e m o y r rk t r i d b n b o S o i e g O e e f f
ARTICLE X
u n o i b t o s n d t a a w n S r o h o f e h b a i c s f n d r r u e h t i a l n s u e c d i l e b o g i l i b o s c C e l o c a r j n a t a c e e t h b r h c b l o o t o i a c c a l e e d e o r r c e t o t w s t p i r s o r o i t b w n t o d o h . u o t n o n o y e n i o i e r c s s . s r f a i t h c f o t e o h t C o i N r t t l c i u h o c e r f u f o o t e f o s e o e r w n n m i p r a r e c n d p s d r n h d C d e e t o o o e r s t i i b v r c r o a m v o r a r o e e e a h o i c r c s o r c p n i t t r t n o a i i o r t o o o k o b o o v c t n f b n n r h n u a r c f r a e i f y s s o o o l t i o o t i t c s i d r u u i o r w n o r n o a e e a n g e r d f n n n r d a s t t s h s S m i e s a i s r u s r o a e t b o e h e t c o o h o c r w c l n a c c h e r e t r t t t v e i o i o t i o t c o t o i f e o h v r h n o r o n o f n s e s o o r n a a o f A t 7 a o o r n e d n a t i n n a 1 n y r m r y i n r e r y o , c i o y e o s a l T s d t o f f c w u f y g b f t i i o f r t t o i c r d a i a o e c h h e c r h c m e y i r e e a e n c i k t s n c r r t s v r 1 a o h d o a o v s e o o 3 f t o o r i n a f n e r , s e r r a i l s e r l n d t i V r r c o o a d o c t s e p e a e t f c a i t t f r r r r f c o o r t a i m t g o i e o i c t e t c r o o n s i s f e o f e d k n i n r o f y t t r i h m r s s , d c s r I o c c o s p O i e b t r r r r h d o l l h e r S e a r e d e i o i a n s I e a r n O c n e r d v e v t s r l t S d r i r a i e o i c t i s z a S a d n s o r o i r t I e n e n c C e o g s r a r C d y t O d r t s c s o t s h O e o o w h t t t u t o r S h m i a d h r h e n c a 4 c e e o t a a h p r g y t k n r , a e r f t v l e h f a o d o a r t o o i i i o h o c c n n y n i f r s f n f n e e e l s g o e d c o s a . e a r l o C e c h r s n s o r s c t r u T a m r y , s , o e t s : t c l e o h o d o , i l o s p i h n d g r a e n u d r b o h n c a a i w o y r p t w r t h y n t d a e e h r r i b y v i t t c f t o e a s k t h h e i e e h t a o u v t n o o e r r s c i a e n s w a o r s t a e h s e n f h n d i w m a n o o , c t y e v d i y h c u o n n e n e a r t f e i l s f t r y o d m i a f e p r s t t i o f h t m d o c e r e e - a h o e a v t e f n r c e e t t e s s t s h r o t t n o t r , r u e t o h s e o s , r ? c t i r u c i n r e s h s f w o h a S i o c a n e i s t s h n r A n r i d o s t u c p s e i t S o r n d e i r o e c o o c t l O t i : a h i e n r c r r c e a c S b e a e i s t t o r a i n l P r e s n o s e e t c a t y n I i a t t i S s o t r o v c e o s t r s s I t n l a y O n t a r s h o h r e c o S l a s o a o t o o i o s d t S o s l r l r s l r r t l f f ,
MMCLE xi
(a) i c f s T a t n t e h o o a d h e e c r v m s e p o a ) i f o n , a n i C n n r j g c n u y o a i t n e d r t a t t i c p g t o h a h t t o m i n a t o r i r v e t , t e a n h p e a h n t e w i a t , e t o e s o r i n n o r t , t r n e h e r f s q e i i d n n h s s u r , v e a h s u e e s e h l c p s l s , h i t e i i p t a n s i n a , g o n d o d c j a d e o f r t i t n i m i i a o n v t w g h m n e n t a , e , i v s o ( f s o o e y u C a u r t n n a h i o d t t t n , u e s c c i r y o r r o p e p e r p t m o c a h , p e r t m i a p a o d r r o n s l t r a e i i , o c o n t a t o e t n e n n , f e s d o f w a e i d a c r c t h i s a e d n o t o c i e g r t o a , t h t w i i n n e f o e d : a e m n b r s i n r , y p e e t o n l a o s c o r t c u t r y e o i t i s i e r u t n r p , e , a a r , t l i o o l h s p o y r e f e a r f a , i r a r c p t a n i y g g e r g d o e r h a o , n r c i t r e n e t e o a i s o e s m t s f d f o e t t p i h h t n n x l h r o e p a g e e y e b , C a e n l C t y w e e s o o e i , n h r n r s p e e p c o d ( o t u o r i h ( n t r r t a e r a a c o e r t g t l i u b i d o o e E d c n b n n i i r t v n y , n h i o g a o y l h , f r a i f r t m i e e c t s t a a r o a o i n o s m m r o o r p i e t n w a n h h y t o a e a e t 's y s l r r f ,
he or she acted
(A) in good frith and
(B) in a manner reasonably believed to be in or not opposed to the
best interests of the Corporation; and
(2) w re i a th s o in n s a p b e le c t c a to us a e n t y o c b ri e m lie in v a e l h a i c s t i o o r n h o e r r p c r o o n c d e u e c d t in w g a , s h u e n o la r w sh fu e l h . ad no
4
CONFIDENTIAL SDNY_GM_00013563
CONFIDENTIAL FtratBankPR000226
EFTA_00 I 24206
EFTA01269373

The tenni:nation of any action, suit, or proceeding by judgment order, settlement, conviction, or
upon a plea of nolo contendere or in equivalent, shall nor, of itself, create a presumption that the
person did not act in good firth and in which be or she reasonably believed to be in or not
opposed to the bat interests of the Commotion and, with respect to any criminal action or
proceating had rersonable rase to believe that his conduct was unlawful
N) The Corporation shall indemnify any person who was or is a party or is threatened to be made a party
to any threatened, pending, or completed action or Mt by or in the right of the office:, employee, or
agent of the Corporation, or is or was saving at the request of the atrium oust, or other enterprise
against acpcnses (winding attorney's fees) away and reasonably incurred by him or her in
connection with the defense or settlement of such action or suit if he or she acted:
(1) in good frith; and
(2) in a manna he or she reasonably believed to be in or not opposed to the
best interests of the Corporation.
However, no indenuification shall be made in respect of any claim, issue, or matter as to which such
person shall have been adjudged to be liable for negligence or misconduct in the performance of his or
her duty to the Corporation unless and only to the extent that the court in which such action or suit is
brought shall determine upon application that, despite the adjudication of liability but in view of all the
circumstances of the case, such person is fairly and seasonably added to indemnity for such expenses
which the court shall deem proper.
(c) To the extent that a director, officer, employee, or agent of the Corporation has been successful on the
merits or otherwise in defense of any action, suit, or proceeding referred to in subparagraphs (a) and
(6), or in defense of any claim, issue, or matter thorn, he or she shall be indansriftedftainst expenses
(including attorneys' fees) actually and reasonably incurred by him of her in connicitioirthacwith.
Any indemnification under subparagraphs (a) and (b) (unless ordered by a coot) she; lie made by the
Corporation only as authorized in the specific case upon a detenninarion that be orals had met the
applicable standard of conduct set forth in subparagraphs (a) and N. Such determination shall be
made:
(1) by the board of directors by a majority vote of a quorum consisting of &con vrirn were not
. •
parties to such action, suit, or proceeding; or „
(2) if such a quorum is not obtainable, or even if obtainable a quorum of disinterested directors so
directs, by independent legal counsel in a written opinion; or
(3) by the stockholders.
(e) Expenses incurred in defeating a civil or criminal action, suit, or proceeding may be paid by the
Corporation in advance of the final disposition of such action, suit, or proceeding as authorized by the
board of directors in the specific case upon receipt of an undertaking by or on behalf of the director,
officer, employee, or agent to repay such amounts unless it shall ultimately be determined that he or
she is entitled to be indemnified by the Corporation as authorized in this article.
(Q The indemnification provided by this Article shall not be deemed exclusive of any other sights to which
those seeking indemnification may be entitled under any bylaw, agreement, vote of stockholders or
disinterested directors, or otherwise, both SS to action in his or hex official capacity and as to action in
another capacity while holding such office, and shall continue as to a person who has ceased to be a
5
CONFIDENTIAL SD NY_GM_0001 3564
CONFIDENTIAL FirstBankPR000727
EFTA_00124207
EFTA01269374

a d d ir m ec in to is r t , r a o t f o f r ic s e o r, f s e u m ch p l p o e y r e s e o , n o . r agent and shall inure to the benefit of the heirs, executors, and
(g) A w o T v t o h e r r h o r t e n h i e u w c t e C l u C l a d e r r s o o e . i h r n a , r p a p t d a o v r o u n i e r r r a s y a e t t t c t i , h s o i t o o u e o n n c r r p h , a o s o o s c h t w h f a a a f e i p e l c l r d a r e h c i e a r r t i n , e o t v y e t c e e , i m t n r p o o p d p o r r r , l e i w a o s o m y r e e f i e s f n r a i e i c i n t g f , o e y g a o r i p o r n , h u s u e a i r m t m g t c a o e h p n n a o f l y o t s h r y e o l i i e h s a f a e e b t o n , h r i d r l e o i a t h m y r g C e a a a a o t i i g s n r s n s p e s t t a e o n a t t r t r i u s t n a e o u s d n i c n f a o a h s s a r g u t n s l , a r i u a o a o in c b n t r h s h c i i l e t , s e i t h r w y o o i c h m r n u o e w n r b t o p h a d e r e o s e h h r r r s a a o e e t t l t r f h i r o o v a e n n i n f n o , p d a g t p r n o i a t a n y h v t r c e t p i t s n u h e C i e r o e r r r o s n e s r r o e s d h p n q i o b p o u w r y , e f a h j s h o t t i o t h o i i o m n i i n s s t f
ARTICLE XI(
s a I T n t n o h c d c e o k a r h p C t o o t o l h d r r e a p e t r o t i s i o r m a n b e t y i a o p n t n h r d e e s r s t e o c e s r A e i a b r d r e v t d e i d c s o l b e r y t s h i n s o e a s f i e r d In i r g l t a c h o o w t t r s h p , t e o o a r r n a p a d r t m i o a o v e l n l i n s r a d i i g o r , e h n a g t s s l r t a a e a n u r t t t a e h o n d o r y r s i r z t u e i e m b p d j e e e b a c c l y t o t a t n o h n f t e y e h r l e r o a e w p f d r s o u t h o v p e i o f s i n t p o h r n e t o h s v V e o i s i B r f i g o o t n h i a n s i r s d I s A o o la r f t f n i D c t d h l s i e e r e . s in e c to t A h r e r s t i = a cl n O e d s n t e h o e s f
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6
CONFIDENTIA SONY_GM_00013565
CONFIDENTIAL FirstBankPRO00728
EFTA_00124208
EFTA01269375

IN WITNESS WHERE(XF we have hereumo subscribed our names this 21St day of November. 2011.
T D E IS R T R R IT IC O T R O Y F O s F r . T T H H E O U M N A I S T E A D N D ST S A T T . J E O S H V N IR GIN ISI ANDS )
T K h et e l er f h o a r I e s g , o G in r g e g i o n r s y tr ) u . m Fe e r n g t u s w o a n s , a a n c d k n R o i w ca /e C dg a e r d y . b efore me this ZLt day of NOTJUlet. 2011, by Erilui A.
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CONFIDENTIAL SDNY_GM_00013566
CONFIDENTIAL FirMBSnkER000729
EFTA_00124209
EFTA01269376

Consent of Agent for Service of Process
DATE
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This writing witnesseth that the undersigned KeHerbals Ferri-sox ELP having been
designated by Cypress, Mc, as agent of the said company upon whom service of process
may be made in all suits arr,ing against the said company in the Courts of the Virgin
Islands, do hereby cement to act as such agent and that service of process may be made
upon me in accordruice with Title 13 of the Virgin Islands Code.
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WHERSOF. I have hereunto set my signature this 21* day of November.,
2011.
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CONFIDENTIA SONY GM00013567
CONFIDENTIAL FirstBankPRO00730
EFTA_00124210
EFTA01269377

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CYPRESS, INC
ASZICLE I. OVPICLS
m D m U i a S a re y i . n c a V t t a l o s i i r n r o g s T e i m n d m h a e i I a n s i y n l p a S , t r a n f i t r n . i d n o T c s m i h a p a o n s a t m i m l m a o a d a e s f d y f , i i t c t o b U io e e t S n i m c o a . h V l e f a o , i C n r f d g g f y e i e c p i s n d r e i e g I f s s o n r s l o a r a , t m n o e In d f . f t s c i i c m , . e a ( e s s t h d t a o e e t s t s " i i C u m gn c o e h a r t p a e o o t d t : h r h a i e n e t r i o t d h p n i l e s a 's c c A ) r e e r i s t n t i i c w o l t e n i h t s h o e o i f n U f t h t I S h n e e c B o V U o r i a p r S g r o d i r n V a o t i I r i f s o g D l n a i i n n r O e d Is f c s l a t a o t s n r h s s d u a . s c l T l h a h b s l e e o t c h C l a o e o t c i B r o a p o t n o e a i r d n r a d t a i t o h o n n e d f
aulazilL iaDESEIMPAIOWEES
Staieni=AnS
p b D b r e y e .: f c p o th e i r t e e m te s b d th h T e b e a r h y , r e m e o t h h r a e o e n o e ld i n S m t e i e n s a r c s g u l r , c m e f h t o A e a o r r e y t c t t h i h a o n e e n m g r d p o d p m u a l f e r r a t e p t h e d o e a e s s b M e a a d v t a o u a o r f i l e l l a e f h b b l a e o e l l e c l l t s d f s in p o m h e g r a c o i r d n i e f i f s i r h e e p t o h d c e l e d i t c n o e C t r i r o s t s o h n r a e a p a n n o d t d o r d s a t a t e i t r c i i a d d o e n n m s o t o a e s r h c e e v t a t i . i o n r l n l e g t g b e c s s e u . u a i h r c t d e h a l 6 d n o 1 n t e 6 h u a = e a c r h l b s o y u h e f s a a D i r r n e • o D e h s U n o s C l t d t h a e t s e h r s m e t h r m a i e r y e o d e p f W a t r i o n n e g p d d s e n a r e g s ly s r h e d a c e a l o l d y m b t i o n e e
Sation2— Spenjalidectings•
I a t s h n l e a d n n s d o h s u a C t l S s l o t b p a d e e n e c d c , i a a i S n l l e l g m e c d a e ti n o e b d n t y in s e g t 1 n h s - e t 4 i o t 5 P le f 3 r d t e , h a s t e s i o d s t e v h h n o e a t t y r e e o m h r th o a t e l h y d r e e b e r e a S s t e f , m r c o o r a r e m y t a a b s t r i e y m o c a t e h a t e l t t l o r e h w d e t i i s a m w e t e r a r i t e n a te q y m n u t e i i m r n r e e d e d q e u b i d r e . y i d s t t e h o s e f B t h th o e e a p r h r d o e o v ld i f s e D io n i n r o e s c f o t s o f r m T s i a t o l j e o r r b 1 it y 3 y t o o he f f t t P h h r e e e s V s i h d ir e a g n m in t,
Stare 1— Place of Meerielgir
o ra r e a p t h s o u n c A ic h a l l o l l m t y h . e e e r t i p n l g a s c e o s f a s s h a s r h e a h l o l b ld e e r d s e s s h ig a n ll a b te e d h i e n l d th in e t n h o e ti U ce S s o V r i r w g a in iv I e s r l s a n o d f s n a o t t i t c h e e o pr f i n s c u i c p h a m l o e f e fi t c in e g o s f a th n e d C m o a r y p o b r e a h ti e o l n d ,
Section 4 — Notice of MeeHngsv
C C n e t p p e t ( o c h h o n a e u o e n o e r e t r t r r d ) t m t i i p s p i c t s e t g l o o l E l e o h e e e , i a s n a v x r s d t e s s a h r i s c i o n h h s e d t e t e r i a a o g h t o , p f h n r l p o o l n v e s t o a o l e b a o d t h a n n a a f e e w s s t o c e t n w r l i c t d o h e d n s e o a a i t r e i g n r h o c t o i t e r i t l e h c s t t s f ( c c f h e e r 1 u s t t a t w e n t e o h c 0 u h l m l d i h e ) c t r i s e r n i e h e a m e m m o t g q C c o y m r p e e u e e t o e b r h e i e e m e w v o r a e e t s t e p e i v i c h o t n n t o m i r h e p i r d g t g n e r e h a n , s e a q g i e a o s y u d t u a t a m i s t c h r o c i n b h n r h n a a e n t e d a y o h n l n t s , d l l t e p . l e S t h i u c I i l f d b ( n a a s n t i f e a o f , y b c l c r t e s t a e e r y a l u a s u l n h i a r t t t n s w d e ( e d h o w S a t h e , l e h e h d s O n . o w i e n h a e e y r ) l d d r a r s N n s o m i d e e l h t a t l a i t o r d a a d i e e t t n y s t t r s n e t e s i i e d f s h c h d o m t s i n e e b e i c e t n r o p e o a e s s g d o t u t n t i f h h i g b e o c r u t a f a e n s e r e o c t l r e u a a h l e s t h f o t a i a h e h h o s e t t n f h t h p d a a o o l t i e d e e a r v l t a d i e t a , c e t s o i g e m h c s s i p a e r p p h o h t u ' e l b h n s r r l a m r d e r o e a e t p l a , e l t u p v e n o i a a d b r n i o e o g d s p n n e g b s t r u e p d i i e , e e s n s g s l a i s t d s u e g c m l o y n s u r p a t o v , d e a a o o b s f e a d i f i n h l n l l t s d e b e e s o y a b i e d h e d p e l t y o l t a i a r h • , t t t a a o w r h i o h c a o l p e l v t h e s e i r t r p h t i t a o r s r h e h e a o s n i p a e s f o l h t s d f t t h r a t n e a t h h s s e a h a w r s e c h a r t e e r o s e t a e t o e h S , n d r h w o t I w f d e e i h o t r f l V o h c h : d h e e l : d r m o u i e e e c : e r e l l p r t g t d t a o d r h i r a u e o o e i i , r e r t l n r c e n r y i o b f p r s f o I d o s o r y ' a o w r , t e l a d s n a f a m s f h c , g e s k n n u o t t o e e a u h h d o c o m n r n a i e e h s d l r f t , , l
CONFIDENTIAL SC/ NY_GM_0001 3568
CONFIDENTIAL FirstBankPRO00731
EFTA_00124211
EFTA01269378

r A eq n u d/ e o s r t route other addrtros, in which axe, it shall be nailed to the person and address designated in such
(b) s s p m N u a r a o o c l i h t u x l i i y c t n m e , e g o e o o e r f t f t i n o c a g u n a . y d n , y N m n s o e o h t e t i a i c t r c i e e n e h g o a o n f n l d d a e n e e p r y d r w i a o n d h r o j o o t t , o u i b r n t e n h e p e g d e i m v r m s e e o n e e n e t i t t o n o in r g g a , b n o o y y r f p t s p r o h o e a x a r r s n y e o y , h n s o % u l w b d li m e h m r o i s b t s o m n a : e e d e w s e d i r g b n w n e o e h c d t o o b m w a e a t e t g i e v a i n v e d r e s s n h o , e s f m r u n c c h o a h o t n i l m c d s e e e o r e e t i h t o t i e h n f r e g w r r i e i n b s c e e o p f r r o e d e r r q e s a u o o f i t r r e n e r a d a f t t b b h e y y e r
(c) c i a W f o n a n y h l s e l c e n o o n e r f t v p t i e o h n r r e w a t h s t r e t e i o t a i c v c n k o t g h i t o e o t n o l o d , s f b e u r y s c s t h a o w n c c y k h o h o s rp o e w c l o d t r o i e a o u r t n l s e d a o a h c t f t a a i t v o h m e n i s e b b c e e d h t e i a n n n p g g e t e t t n a h r t k , e i t e t r h k n e e d o . f m t o i e s e v r t e o in q te g u i a u r n e p d d o n v o o r t h t p e e i o : a m f c t s i i n t o o e n c d k i f h t o o su l « d c e h r W s m m i e e a e n y t i i n b n g e c w d o i e n s r n p e e e n c h t s e i e l o d d n , w s w h i i t a t h l h l ,
(d) c a p W h f r t o a h e v p r e i t n t s e h e i r o v e , o e a t s r i m w o a e a n f i s y v t a h e t n e r e o t d a t h r i c e t i i n e r c e l s o e w a s f i h d o i a n n f t e o w i v n ti r e c c i r o t e i r , n i p s s g h o , r a r s e a l i l q t g i b u n o i e e n r d e d o d e b r e y t m b o t y e h l b d a e e w e p q s g e u i o r v t s f n e o n a l n e n n o y u t n r c t d p o h e e r e r p r r s e o t o t h r o n a e . a t i o p e n r n o t o v it r i l g s e i a d o n n t i s o z e o s d a f i u d t n h n d i o s e r t c i c t h h e a e , p w t p e h t r e e , a th o tt e r i r o u n b n s e d f o o e f r r e t t h o h i e r s
SwitalSmzoass:
f C " h p A o A a e o r r v r t r r s i e t p t c i o h c o l n n e e l r o e s a o c s t e E o z " a i f o ) n x f f b n e a c n y I c e t i n t t c p p h a c o t l t r e i o l o n o n a r m x n p s t i y e h o s o o e s r e o t u t f a h i f e e t n a e i x d a g o n r i n w s s y n a y t n o e i b ( s d n n f u t e u c e s s o e h c m p i u n h a r o t b o e r s f e e s v t A a s h a r i . r d n o q o t e d l i T u f d c d i o l n e s h e r h h r g s e u s a e a m w r o r a n e e n f i , d h i d d n t t o w h h e , l a e n l a e d r n t e e e C i y w r t s o l b s e c a a y r h d l p m r o o o o t t e h l o r t f d n e a u i a v d t n m A n i m o o g y p t n e e o p h s , n l f a h s i t t s c h h a s r a a r e b e b e l t c e l p h l h o e e b r e o r n e r e d p l s e d e m e n o a e s n e f r v t n c a c i a b e b e a s f s e i l j t a o i s o i e s t n a n r n h r t g s e t y h t y d h o e b a e f o a c u n t o f d t c t e s m o o t s u n h m u m c e f V h m c f e t o i i o m n e c r l g t l c n i a e e e i e c l n c n t m e t e n t i m I r v u e t s s e o n e m l ) l a n t . y c n b t o o d e r f o n r e s s f s f o C u t e a i c f r t o r u h m s d e t h d e m e e a , e a r e t o t e o e i q r s n t u i g a o n i o n s g s f r h s u t d t a h h m i i l n e e e l
Section 6 — Voting:
o ( lo a f a ) v r o i E p t x e o s c r A e e p a t t s i o t a n a s , t a o a n th m y e e c r e w o t r i i p n se o g r o p a r f t o e s v h a i e c d t t e e io d h n o b l t y d o e a b s p t e p b l t i y a c k a t e h b n e le b h p y o r l v o d o v e t r i e s s i o o o f n f s t o h h f a e r t t e h h s e i e a V r n c t i h i r t g o le i b n d i e I t r s o t l s a v h n o a d t l e s l b C th e o e a d re u e o t h o n o r . ri b z y e d th b e y A a t m tic a k jo s r i o ty f
t ( v I h b n o e c ) t e o C E r t o p h x r o e c p r r e o e a p a r t t i a t o t a s i n s h o , a n o a l . l t t h b a e e r r c w e h n i s m t e it e l p e e d r t o i n t v o g i d o o e n f d e s h b v a y o r t e a e t p h f p o o li l r c d e a a a b s c l , h e e a p s c h r h o a r v h e i s o o i l o d f n e s r t o o o c f f k t r h r e e e c g o V i r s i d t r e g o r i e n f d s b i t n o l u r h k n i s t o s o f r C t h h o e e d r C e n o o a r r m p o b e r y o a t t n i h o e t n h e A e n r b t t o i i c t o l l e k e d s s o o to f f
C i e p w ( p n C x r r a r s o o e ) i t p c x t x r i E u u y o y n m t a g ; r i s n c a h p e b h g l a r n y « o l t l s m v ) h t s b . i h i a h d e n e r a e e e v l d s l h a h . d o l b a i h i l d e r r d o e e e w a c h e r f t o x e s t e e l h v d n r i i e b n e t r e i r i , t x t s l e o t p e a d h d i r i r a d a t t t t o h t o p i t e o h r t n v o e h s o x h e o i t y a n e f S r s e e t e o t h h l r c e r a u o r v t e m l t e d t o i a n e e t r n e r ( y ' s t x s I h I p a a a a ) r t u l t e l t t m s t o h h s c r o o e o n c n r n e o i m d y t t n i i e n e e s i . e u n e s f t e n r i s f n o t u a i g m n c c o t h r a t f n t h d h o p d e i e r s r o r d s a s e x e h a u y n a t f n e t l o l t t r w o o o b f a i a e d t i h c u t l s o f t l o i y u l n e s e t h x g a d a e e u a l c r t w l h u m p i h o t t i e e a h r o e i r v n z i t e t o i e , h n d d m b e g e , o i i e r n e m f e n n c w a t o e y i r m t r x i h d t d e e i e s n c o . u g p o t s . e f e S o r d u s N t o c h b i h n o n e y
( b P d e re e ) s n S i d a h e p a n p r t e o s o i n r r t e e a g d i p s t r t o e o r x e v y d o a t i e p n p s u o th c in e h t e n s d h a a m b r y e e s o th p f e u a r P s n r u o e a t s n h id t e e r t o n c t : o t o h rp e f / o s 1 r u 2 a c t w h io o o n t , n h i e f r r e e c n s o t o i r t l p l u e o t d i r o a n t t o i o o n b f , e t u h v n e o l e b t s e o s d a , s r o d m m o a e y f d o b i t e r h e e v c r t o o p t r e e s d r s o o b f n y s u h t c h a h e s
2
CONFIDENTIAL SONY_GM_00013569
CONFIDENTIAL FirstBankPRO00732
Erl'A_001242 I 2
EFTA01269379

i o n t h th e e r c n o o g n s/ e o o ra f t i s o u n c , h in c o w r h p i o c r h a t u io s n e a s s u s c u h c p h a f t i r d o u n c i m st a y y , e v i o th te e r s i u n c h o m sha e r n e s o . r A by n y p r f o id x u y c iary nary vote shares registered
s b a ( h e c e a t e ) i l n o l A n b d n e u b y l i y y n r s s e p u e s a r c o s t h l e s u e d s t d i h i o n a b n r y t e h i h u n e o n u M l a d n n e i i i n t r m i s u n o t g t e o u , s B s t i v h o g o e o n t k e e e f d o f a e b f t c y t a t h d a t e h l u l C e l t y r o h e c r e i a p n l s o l e h e n x a d t p r i e m r o e h r e s o . e s l t e t d i i n d e n d , r g s w e o r e i f i t n h t s i s i h t d p h a e r r e d o e n p h t a o e o m r l d v d e e o a r f t t s o e e o r . c t f h e s e a u r n e c d o h n e r , e f s f s h e o a c l l t u l t a i b s o e n i f a s t n o h d e s c i s g o a n m n e s d e t i a t h u n a t d d e
ARTICI V. Ifl - BOARD OF DISITTOPS
firetion 1- Number Ousalleation. Election sad Terns of Offier
v ( th a o r ) t e e e T o ( h f 3 e ) a n m um ajo b r e i r ty o o f f D t i h r e e c e t n o t r i s r e o f B t o h a e r d C o o f r p D o i r r a e t c io to n r s sh . a T ll h b e e n t u h m re b e e ( r 3 ) o u f n D le im ss m an e d rs u s n h t a i l l l o i t n h e n r o w e is v e e n d t e t b e e r m le i s n s e d th a b n y
s ( th h b e a ) r t e E o h : x o p c l o e d t p e a t r t s a i , o s b n m y , a w th y h e o o h t h n o e e l r d e w e d r i s s n e o o b t f e b sh e p a r s r o h e v s a . i r , d e p e h r d o e s l h d e e e n r r t e s i i , n n s h o p a e r l r l i s t: b o , e t n h e o e l e r A c b t r y e t d i p c r b l o e y x , a y t h , m ( e s a o m p d e r d i m e ty d b o e to r f s v t o h o e f t e t v h i o n e t e B d s i o e c a u e rd l t e o a c t t f i a o D n m i . r e ee c t t i o n r g s o o f f
( e r e e le ) m c o t L i v o a a n t l h , . an D d i r u e n c t t i o l r h s i h s a o ll r b h o e l r d s o u f c f c ic e e ss u o n r t i i s l e th le e c t a e n d n a u n al d m qu e a e l t i i f n i g ed o , f m th a e n s t h a a h re is h o o l r d b er e s n p e ri x o t r s d u e c a c t e h e , d r i e n s g i g h n is a t o io r n h o e r r
Cerninfl, Posies and Powers.
" in p to li a ea b rs l T e o h p f e r t o h B v e o i s a C i r o o d n r s p o o o f f r D a t t h i i r o e e n c V , t o i a r c g n s i d n s h I m s a l a l a l y n b d e e s x e C r r e o c s i d p s e o e n e a s x l i p l b r p l e e o s s w f l o y e r r c s t o h n o e f f e c r t o h r n e e d t r C o u o l p r o a p n n o d o r a r m t i r o a e n s n e a , r g e v e x e m c d e e t p n o t t t a o h s e f a s t t h h e e a r i a n a f o f t a l h d ir e e s , r A s p m . r o id p e e s rt y o r a n b d y
( m a e ) e t A in g r e o g f u l t a h r e a sh nn a u re a h l. o l m de ee rs ti , n a g t a o p f la th ce e o B f o s a u r c d h o an f n D ua ir l e m ct e o e r t s i n s g h o al f l s b h e ar e h h e o ld ld i e m rs m . ediately following the suntal
B (b o ) a r T d h o e f B D o i a re rd ct o o f rs D . a ir n e d c t m or a s y , f f i r x o m th e t i t m im e e t o a n t d im p e l , a m ce a t y h e p r r e o o v f i . d e for the holding of other regular meetings of the
s s ( m o n u h e e r a c a ) e c n h l d l h n N n a n e n o n o r o o t g t t t i s i e c c e h s e e t p t a h s e o v f h e c o e f a i r t f a b l t i y l h m n e b y e t e i h e n n m e o w p p r ! a I a r p p m i e t v l h s s a p e g e c : d o n t e m a s t i p e n o a e h f o t e t h t a f ( t i h n e b n t y e h ) g m , e r m o S a e m f e n g e c n u e t e t h t l e e i i a o e r t n r i n s n g B m e g 4 o a t e , t a f e o p r o w t d r f i r o n h t t o h v g i h c f i , i i d h s n n D e o s A d p i t u r , r i n e c e c h o c a h e o t d g w o o a e r r f c a e s I t o s v i I s u h o e I h c n r , ( a , h c w l w t ) l h a i o a t n c a h s f t t o i s o i t r t n u a e n b k s c m e p e s h h n e r S a c e e w l t e q l t c u i t h b t t o i i h e e r o e i t n B n g h d i e o 4 v t t h a . e o s r n e p d b e t t e c o i o m i f g a e e i l D a v m c l e i i h r n m e e D e c i a t t t n , i i o r n d a e r g , n s c s i d s t , f o h u i g r a n n i l w v l l e t e h f h s i n o x e s .
Section 4 - Special Meedny: Motes
s ( u a c ) h S t p im ec e ia a l n m d e p e l t a in ce g s a s o m f t a h y e b B e o s a p r e d c i o f f ie D d i i m n m th e e r r s e d sp u e d c t b iv e e c n a o g t e i d ce b s y o r th w e a P iv re e s r i s d o e f n O t o O r i = b y t o h n er e e o o f f . the Directors, at
3
CONFIDENTIAL SD NY_GM_0001 3570
CONFIDENTIAL FirstBankPR000733
EFTA 0[)124213
EFTA01269380

n t o p ( m t h h b o l r a e e e t ) c h i e m c D e e t E e i e i n r o x r , e g e o c o f t s c e r i r b n a t p s u w o g l h t l s . y r a a i a n , a s l i n e l v t b s o e o s s e t u t o h , c m l a e f a h t r a n t w p l e o i e l l i r e a t s a a c d e t n h t e e & r a t b , e h n r e y q e r x e u t e f c w e a i d r e e c e ( y p 3 s n d t i t ) t m o a y b d s - y i a e l f r e o y a e t s u c o h q h r b e r u e m ( D i a r 2 f e p o i 4 r d p r a e ) e l b c i b c t y t o a h o o u S b e r r t l , e e s s d a c h a d p t b a i y d r o e l o r o l n f e v b o n s 8 i e r s s e w o i c d o d h t e f n h i t l s c t i e h v o h i e o s t t i r t m h f h e A e e d t r e h t D m t e i a c o i e t r l V e h e e w i i c I r t m h i g l t n l o i i g c , n o r h n i r I s a e s h t t l e h t a e h o d e n r i s b n d p m e s o o e e t r r h C s e s h e o o t p l i e n d d n e r a , g e c l t r , l i i e e y f s n y s o o s i t t d h r t h o i e e c a g n b e l i p l v c e b u e e o e h r n o f p e s t r s o l o e p d s u n e h . e s t c i u o m t A i a a o f l l
s m s (C h u e a b ) e l m l N t n i i n o t o s g t t i c a w b e e i s t h i r o g e o n f q u e a u t d n ir p y e w r d o s a t p i t e v o e s e c t b r i i a n e o l g e m f v t n h e e o e e n t t i l . i c a n e c g , k s w o h h a f e l n l t o h n n e o r c r e b b e t e o f o r e t r h e q e u o D ir r e ir a d e f t c t e o t r o b t r h e p e r g i m o iv r e e e t n h t i e t n o r g e . a t o n N y o o D r t a i i c r t e e it c s o t o f c r o a w n m y h m o a a d s : j h s o a t u e l r l n r n a e t a d te * m n o d e r e s w t u i h n c o h g
m ( w b d e r e ) i e t t i a U t n i k n g n e g l o e n i s r f a s i n a t o n l a t l h i n m n e y g e r w m s m i a e s b r e e e e t r r i s e f n i a l g o e t e d o f i c t w f h i n t e it h d h e b b t e y b h a o e t r h a d m e r o d i n a r u r o t c t i f e c o s k d m s i o t m e o f c i p t f t t r i e o o n e n c c , e „ o e a r o s p d r i o n t o h r g a e f s t i a c o o n u n f y e t o h c m r e o b m a b y y o l m a a b w r i e t d t s , e , , t o e a o r n n t c y h a o e e a m r c n e t m t o i o t f i h n , t t e m e r r e e a e q . y t u o i b r i e n e d w t a o r k r i e t p i n n e g r w m , i e t i h t n t o e d u d t t h t o e a
a th b e s r e e n s c h e, a A a ll t C b a e h l a l n m ir o m e C e a t h n in a c g ir h s m o o s a e n f n , t h o b e r y B i t f h o t e a h r D e d C ) o . h . f a 1 D t . h i , r . a e . m c d to i s g r h s a , p l t l r h e b e s e i d C a e b h . s a e ir n m t, a t n h e o n f t t h h e e P B r o e a si r d d e i n f t a s n h y a l a l p n r d e i s f i d p e re , a se n n d t i , n s h th a e ll P pr r e e s s i i d d e e . n t I 's f
section 6— Quorum aq‘Adjurnmentt
( s th a a e ) d A s A m u t f i a f d ic l e l i m e s, n e o t e r t t o i b n y g c s o th n o e s f s t e i t t h u B e t y e B l a a o w a q s r u d . o o ru f m Di r f e o c r t t o h r e s tr th a e n s p a re c s ti e o n n c o e f o b f u a s m ine a s jo s, r i e ty x c o e f p t t h a e s e m nt i i n r - e t w Bo in a r p d r o s v h i a d l e l b d e b n y e l c a e w ss , a b r y y
( th b a ) n A a m qu a o jo ru ri m ty , o m f a t y h a e d D iy i o re u c n t i o th rs e p ta re m s e e n fr t o a m t t h ti e m t e im to e t a im nd e O w n it c h e o o ut f n a o n t y ic r e e , g u u n la t r i l o a r q s u p o e r c u ia m l m sh e a e l t l i n b g e , p a r l e th s o en u t g . h less
InSliOni=MAIIUP of &dog:
n (a u ) m A be t r a o ll f m sh e a e r t e in s g o s f o s f to th ck e , B if o a a n r y d , o ut f h D ieb rie t c h t e o D rs i , r e e c tc t h o r D m ir a e y c h to o r ld p . resent shall have one vote, thespective of the
e t B ( t s t h h h b n h o e e e a t ) a i s s l t a E l r e l a e c d b m x B t d e o c o y e t e t l f o h f a h p D e w a t v t h i d o r s a a e e t , s c b e B c t t e o h t o o t e o t e h h a n f r e e s a r t p r d h r c e a w o e t o o s i r i o B s s n f a e n e o D a n d a o p n y i b r r r d f e d o C y a c f v D o u i t l m i Z o e n d f I d r a e D a I s I n d I j i w I o r i i o i m e b r t i e r i t c y t h o C y t t u h o a t o t h s p e r h s e p f v e c . b o t M r o A h c e t m e e a i n o n b m f y D a u , l e t a t i w i r e t a c p t e h s e t d r c i i e o o o c u t , o v h n l f y a i r s t r s s a h c e i o c a e t p q h t n n r i u p e o e s e i r n r s d o a o e e c m i d r f s n e e e t t o e a h a e d r m u e t t i p n t i I n a h a e g r g y n o s v r y r m o b i o i z m e f n i e t f , t t e d h e d w I e s , e d i e i l i t t a n i B t h n B o n o g w d o t b a h s a a r e r e i t r d C t d t i w s n a o o a o k g h d r m e r , i e t c n h e b t , h h e y b a f e o a t y c a r c o a q c l t o l m n h e u o m y e o m a f m m M r n i u t t h e d i t m t i e e t l e e d e e t i D e i f s e . n f e i s g r p r c , h e o i t a o c c f i l t r s l o o t b h b r i t e e y s f ,
Section 8 - Vacancies.
r th ea e s s o h n a r o e A f h n t o h y ld e v e a d r( c e s a a ) n t s h c h , y a r i e l n l s b i t g e h n e M a B t e i o o d a n b r , d d y i o s th q f e D u s a ir h l e if a i c c r t e a o h t r i o s o l n d o , e c m r c (s u i ) m r r a in e t g t d h b e ( y u m n re l e e a e s s t s i o n a n g M v a a t a c w a n h n y c i c i y n h c t r r t e h e a a e t s e t e o d i - n n b o y t v h e t e h l e n w u a r m e s m e b f o e fe v r c a o t l e f o r D ( f ) i r a o e r D c i t n i o r a e rs b c , i t l o o it r r y b b to y y
4
CONFIDENTIAL SDNY_GM_00013571
CONFIDENTIAL FirstBankPR000734
EFTA_00 I 24214
EFTA01269381

D r a e c i m r t e o a c i f t n o a in r n s g y D D ir ir e e c c to to rs r, p o r r e s o e th n e t, r w th i o se tg , h s h k a m ll b t e h a id n le a d q u fo o r r u t m he , a u t n a e n x y p i r r e e g d u p la o r r m tio e n e t o in f g t o he r s t p e e rm cia b l y m a a t m in a g jo o rit f y t h v e o t B e o o ar f d t h o e f
&triton 9— Res(gnadon•
n u S e p t c o a e n s t e s r a e l r y c y A e o t n i o p y f t m D t t h h a i e r e k e e r C e c i o t o t o r e f p r b f o f m y e r a a c th y t t i i e v o r e e n B s . o ig a U n r n d a l t e o s a f s n D y o i r t t e i h m c e t e r o w e b i s s y e o g s r iv p s i e n u c g c i h f w i e o r d i f t f t i i e n c n e s r n u , o c a t h n ic d w e t r t h i o t e t e t a h n c e c n B e o p o t t i a a c n r e d c , e o s u o f c D f h s i r u r e e c c s h t i o g r r e n s t a , ig t t io h n n e a d P s o h r n e a s ll s i d h t e a a n k ll e t n o e o r f t f e t b h c e e t
geetion 10 — Removal-
o ao f l t c h k e n s g h o A a f n t c r y e h c o D o : i t r r k d e r c s in t c o a t r h l l m e e d a a g y fo g b r r e e t g h r a a e te t m p a o u t v r le p e a o d s s w t e a , i t a m h n a d o j r w o r w a it y i y t h b o o e f u r t e t h m e ca o o u v u s e t e s d t a a f t o n a d r n i c n y a g u t s i s m e h a e b r y e b s a y o c t t f h i o t e h n e a o f C f f ir o d m m ie a o B ti t v o a e a ti r o v d n o . t a e t o a f s p sh e a ci r a e l h m ol e d e e t r i ( n s g )
Section 11— Salem
m D fro i e re m e c ti n s to e g r r N s o v i f a o n g t h f s i t e x t h a e e B t d e o C d s a o u r s m d m a ; l f a i p e a r r y s n o t d s / v o h i e d n a x e i l p l n d e b , n a e h s n o e y p w s a o e o i t d h v f e e t a o r r t , t c t e D a h n p i a r d a e t a c n c n it t o c y o e t r a h , s n i i , n f d a g a r s e h n c s e y u e r , e c i m v i h n i a n , y g c f o o b c n r o e t m t a a h i p n l e lo e e ir n w d K s e s a t d h V t i a o f i l o t l n t r b S t e h I , n e c b t r o : a e A n n fo s M b t r r . Y y u e X r d e a s t o t o l e u p a t r i c e o h c n l r u e o d g f e u t l a h a n e r y o B D r o i s a re p r e d c c t o o ia r f l
Etaiaa12=Qataigara
D * a o ( M a f i f f s e ) t a t c h N r t r e u e x o d s d o c t o ir . o e f r m c s in t u o m v c r a h s a l i o d o o a t f r h t e e o th d r t h i , s c n e o C r o r r t p a i a s o p h r l o i a a M c t l a i l o a a t n i l n o 0 , y n 3 p D r i b o s ir e v e t o i 0 d c r / e t t o a e d r r l e l t b h d e i a n y l t e t i e a s C r b u e l o c e s h r t i p e n f d o a a r c i a n n ts t y , i o w a o n r a r e a y i s n d b i d s y a c a l s & n o c y L s u e e o o d c t h n t o o e o r r r f o m c t r o h a r e o d p e f f o f a i r k c c a n e t t r o i t o , h w n a o n t r s a h c a n a o r y e ll t o h b d n e e ir e i e B m o c o t p r a o a m r r d i s r o e o o r d e r f ,
i ( d D c p t ( n t c h r b e o r v i o a a o r ) t u a n m e e t v n l A s r c i i d t m m t d a h t n i a n o e c e o i y t n g t r d e n i B o i D n a t , o t n h o h s g t i r e a r t a o a e i t t r t n h v h t d c f u o e t e t a h t t o o t o n e e h p m r f r y i r , o s y f e e D a w p s e f o C c i e e a r a t r t e i o r n y n n o o s c c r y g a o t p t e f h o f s n o s f a e u r o e a u r s t r c a l c w c f l h y w t t h s a i i a s o h D h o i e n n q a n i i r c y t r l u , a e l e h i c o p a a n r c o e p r u n s d t u n s l o t d u i i h v m c t t r c r o a i b ) n a h d r b e o a i c o u z l a t t e a f e d D c o ) a s . l i s l , t u y r t i i m c h a o r c , o l e e p n o h a m t c r p h s j e m o i t a e r e s o t o r d y o r e i r v t . t e t o y e a b r s t a r k e i o h o n n e m a f g r s n a l . a a l a . r p a d c b q T a e t t e u S i i o h t f k o u t y n l i y n i r c s a u s w h o b t u S m w o h l c D e e i , h n c c o i n r i h t c t r n e i o o o o w t c m n w n a t t o h o t a i M n t r u e r y h y a l a d s c B o b w l t t l o r a o e a o n t n a D h y r i o d r n e d i b i t t r t r n r e e w o a y b g r c n e e i f s t t r s D s o h e e c a t r e a e i o b c s r s d p n t e e i o m o r s c e i v n t n n t a r s a o u o e y b li a e n n d y f b n d , c u s y e e a th t n u n o o c e c d c d o h o f e i v m p n a u r o i r t n n n p t r t o h y a e t t a v e e e c s i i d r ( r d t l u e n a e o c o s i o w n h d t r r t ,
Semler remunitterc
o t t t h h im f e e t r h e e e e x d o t B e f e , s o n a T ig a t s h n p r t e d a h e . t B e r e m y o & m a it o t r a e d a y d t o d b a f e m y D a l o a i n r n w e g d c ) e I t a t o s s s r i n s m m b , e a b le m y y , b b e re e e a r s c p s h o r a l o c u n o v t i i n e o d s x n e i e s d a c t d i i u n n o t g i p v s o e t u e f c c d h t o w b m r y o e m s ( a o 2 it m l ) t u e o a t e i r o j o a m n r n . i o t d y E r e s o a u m c f c h t h e h m s e o u b t e c h e n h e r t s r c i r , o c e w o m B m it m h o m i n t s i t t u e d te c e , e h m s s p h a , o a y a w l n l f e s d ro r a s a m v l a t e e n t r i a d m n t a a e t t h u e t e t o m h p o e t l r e i m m i a ty b s e e u ( t t r r o o e s
5
CONFIDENTIAL SDNY_GM_00013572
CONFIDENTIAL FirstBankPR000235
EFTA-00124215
EFTA01269382

rutTICS B Tv. OFFICPtell
casetimai-Nranhes, Oualifiration• Election and Term of Mar
S t T H i T ( n w a h r m o c e o ) e w l a e u P T s e o d a u h r f v i r f e r n e e i y e c s g r r e o i , o s d s f a t r e f h i o A ( n c [ e b M r e t s u o C r s A s i t i o n f s s o n t m t s i a h u o i f n s p e m t t t t a h a C S n m e n o e y o t C o c r f i p r S r o s e e o e t r t n h p r a c t a e o h o r r e y t a r t i B t o a m n a r n t o e t i a i o a e t q s y w n s r u h d b , o i a s t e ) e R l h o l S d h a o b f o l t e l t t h D h l o c d a e e o i r n h b r n e d B a y s t c h v i o a t t s a e o h n a t n r e y r o o s d s f o , t f f h a a i t o a e m h e n P f e e e d o r r D n e p f o o f s i e o i r f c i n e r d f t e s i h e c e c o s e t n e n o o r t r o . r , r m s t S f h m e a C a m a o y n h a e r b a t e y t h e i a r e , m r a f y r a d P o a , d D T r n m i e t i r r i o s a o e i t n f n d i c m a s e t th o l e a n e r V t c o t t S B i o c f a e o e t n c t - a h i P r d m e r e r d s t e e C a u s o r o c y i d d r h r e a p e P o e n o n r t m d t r e h s a s e , T t i a i r d r A o d e e o n s v a n f s . i f s s t i i s c u a A a t e r b a e n n r l n e s r d y t . . .
B ( o b o f ) a t h r T d e h o B e f o o D a ff i r r i d c e e c fo r to s ll r o o s w f . i t n h g e C di o e r p a o nn ra u t a io l n m e sh e a ti l n l b g e o e f l s e h ct e e r d e h b e y l d th e e n . B o T a h r e d t o a f l D o i a re o :to f r a s ll a o t f f t i h c e e r r s e g s u h l a a l r l a b n e n f u ix a e l d m b e y e t t i h n e g
( r e e c le s ) c i g t E i n o a a n c t , i h o a n o n o f d f r i c u r e e n r m t i s o l h v h a a is l l l . h o o r l d h e o r f fi s c u e c c u e n ss ti o l r t h s e h a a l n l n h u a a ve l m b e e e e t n in e g l e o c f t e t d h e a B nd o a q r u d a o lif f i e D d i , r e o c r t o u r n s t n il e h x i t s e o x r c e h e e d r in d g ea h th is ,
Settion 2 — Resignation.
r s t e o u s c ig t h h n r e e a s t P i i o A g r n e n n s a y s i t h d i o o a e f n l n f l i t c s t a e h o k a r r e l m l e 1 th a 3 ff O e y e t r c b S e t e s e u i c n g p r e n e o c t n e a a s r t r y s e a a n c o r e y y f i t t p i o t m t h m t e e h a e C b k c y o e e r g o i p t f iv o b e i r n f y a fe g t t i h c o s t e i n i n v . B n e e . o U r n s n d n le o o s ti s f c D e o i r o t e h f e c s t r o w u r c i s s h e o r e r s s b p ig e y n c s i a f u i t e c io d h n o i t n f o f i c s th u e e c r , h B a o n w a d r r i d t t t h e o e n f a D c n c i o r e e t p ic c t e a to n , r c s s e u , d o o s r f
Serrinn — RefnetrOl•
Board o A f D n i y re o c f t f o ic r e s r a m t a a n y y b t e im r e e . m oved, either with or without cause, and a successor elected by a majority vote of the
Sgoktoj- Vacsnriec
may at an A y v ti a m ca e n b c e y f i i n ll e a d n y fo o r f t f h ic e e u b n y e x re p a ir s e o d n p o o f rt d io e n a t o h. f r t e h s e i g n n u a n tio b n y a in m ab a i j l o it r y it y to v a o c te t, o C f l i t n h a e l i B S o ta a t r i d O o n f o D o i r r e s c o t y o o r. th er oust,
Section 5 — Duties of (Wherry
i p n o w th e e r s s e a B O n y f d l f a i d c w u e s t r i , s e o s o r a m f s a t g h y e e n f r e C o i o m ll r y p t u o p n r e a e r t t i t a o o i n n t i t m s o h e a t h l b l e , e i u r s n r p e le e s s p d s e f i c o a t t i l h v ly e e r c o w o f i f n s ic e fe e r p s r , r e o a d s v o i w d r e e im d ll a p b s o y s s u e th c d e h b p y B a o th w a e r n d B s o o a r f n e d D d d o ie u f t n D i - e to i s r e e a s c s , t m o e r a a s c y . h l ie ha s v e e t f s o u r c th h
(a) The President shall be the chief extortive office of the Corporation.
S D ( e b x A ir e ) e M c T c u o t h t o i e r v r e s ta V . o n i f t c D f il i e c o u - e t P r h r i r n e e o r g s w f i d a t i h s e n e e n y t d C , a i b o r i e f s r c p e a t n o e n c r d y e a , b t o io y s r h n t i h a , n e s ll a a B p p m o e a m a r c f r i o i d t n y r g o m o t f h D f t e h t i r h d e e e u c d t P t i u e o r t s r e i s e s o . s i d f a e th s n e t r , P e t q r h e u e s i r i V d e i e d c n e b t - P u y r n e t t h s il e i d t h e P e n r t P e s s re h id s a e i l d l n e b t n e o t 's r s it r e t e h s e a u c m B tin o p g a ti r o c d n h i o o e f f f
6
CONFIDENTIAL SD NY_GM_0001 3573
CONFIDENTIAL FirstBankPR000736
EFTA_001242 16
EFTA01269383

D d ( b C v c u o e u o t u ) n i n r e c e p T c s h f o h i a e t r a e a r o n s s t . i f T o a f s o T n t e h e r h . u n s e i e H n u u b T c c e o r i h e d e l s d e d n h e s i n a s e u h t b l s a l a r u d l c e l r l i o s t s h o s e n b h a m c u h a v e r e l i s e r l s n e n h t t i o o s n h th . r l g e d e H h t o c h f e u e u f e r f n s i o c f d t o i o e r n s f d a f s a i o y h n c t e f c e t o e h t s h a s f e h e n o a a * d C l l f L l l o r t n b h e a r o p n e a o e d o C t k e r a a s o r o t a g i n f o o n n t n f h t a a e i a n n t B i c n r o p c e u o n o a a q n u . y l u m n r d i T e r t e e h p a d n e o n t r b T d o t y r t f e t o h h t a h e u t s h e t u e f d u P r B e a n re o d n s s a s a l i u r n d d e e t d n n o s p d t e f a o D r g s f a r o e ir i c r n e t m o h s c n t e t o d s th u r B e s e c r o h p f a o o r r o f o d r t h p t t h h o e e e e r r f
m S n ( b fr d e o e i o n c t ) h m i r u c a e T t e t e l t h a f s i s m o r e y r f e e ' S o s q t e f t h o u o r e f a i e f r t l i e t C i l e m a d O m n r e y t f p e e o a O s n e r t O h d t m i a L n t s h O l g a l h e C s h y a O a l b b l o v h e o a e f o l s r d e c s l i d d h u q n a u s u o g t r i f l o r e f l o e i d h c b d f y o e e l b m d o a y r e e t f e r e t q s t t h h h t ; u i e e n e i s r g P p e s h s l r d e a a e a o l s l l b s i f o d y p u e t r f e t h e n h t d e h t o e a o e B f e P n t C o h r t t h e o e n e s r s B d p i u d B o o c e o o a h r n a r f n c d t a D i d . o a d i n o n r d e ; d i f t c s i D o s t h o i n k a r r u e a l s l l c l l c t a d d o o n u i n r s s d t d c i . e h u o s a c T f r t h g a s s e e s u h S c a s a h e u r x e c e c c h r h e o o i n t r a l a r d c d e r e i y d s d r p s e s it ; o h n i o n a t s n a d l h l a l e a is l n l t l s d o c u u k e e e t t i h o e e a e p n s ll
D ( s 0 h ir a ) e ll c T t b h o e e r s a A . s s s s ig is n t e a d n t t o S e t c h r e e m tar i b e y s a th n e d S th ec e r e A ta s r s y in o a r n t T T re re ll a it s It u s r , e r r s e , s if p e a c n t y iv , e i l n y, g o e r n b er y a l t , h s e h P al r l e p s e id r e fo n r t m o r s u th c e h B d o ut a ie rd s o as f
SOCUOT 6— Sureties and Bever
n h c e e o e x g e n r l c h d ig u a it e t n i e o n d c n I t s o n e e . d a t h c n e u u d p C e f o o o n t r r h p e t t o h h e r B e a o a t f i c a o a c r n i d o th a u o f n u b f t l o i n D p n g i e d r r f e i o f t o a s r r o s m a u r l s l a c p n h s r c s o h e u p a m l e o l r , s f t a y o h n , i r d f s e u w q n o d u i r t s i h t e h o s „ a r u a c s n d h e y u c s t u o u ie . r f it s f e i i e c ty s t e o o o r , r f t e h s th m u e e r p e C C l t o i o e o y r s e r p p a e o o s r o r a t a h r ti t e o i a o B n g n , o e v n i a n t i r c r d o l a u o f d l f t m i h D n e a g ir y e C r c e c o t o s o g p m r o n s e n a m i s n t a i i b t o y o il n i d h t y i i r s s e h f c o o a t e l r , l
fl eaOther Corporations:
s o C u f o c w r h p a o o iv t r h a e e W t r i s r o , h p n c e e o a n r n s e s s o v s e e n u n r c a t h s s t , h s t p e h h r e o a C r x B e o ie o h r s a o p l r o o d d r e r a o r o t f i ( t o i D h n n r c e : l r i u s e in d c s t t in o h u r e g u s t t b n m h o e e a l n d y a t e s t t t t r ) e l i m n t o il d O a f a y t n s i 2 b h c C e a e . r , e e a x s c e t o r i c n f i g s a e a n d n y o d o n v t o b h t e e in h r g a c l a f o o t r p s f o h th r a s e r t e i C o ho n o l , r d p a e o n rs r y a ' m t r i i o e g n e h t b t in y o g t r s h a p e n o P d w r e e e s x r i e d o c e u f n t t t i o h o n e r
Seetion 8 — Compensation of Officers;
D u r D t e o o e n x r i i r i r p t m t e e i e e h l c c n n n e t t t h s t u o o e d e e s r t r e a s p T t e a a t . , u e m d h i a n r r e A s s o m b m u n u a y O i e a n y n B s n n f a t p f o u t t i o t a t i c a t o e e w y o h r x n m a d e p o t d , o h e e s f t e n 1 n f o f h i t 0 s I t a c s n e h e l t e m l h n t e e i r e n f a o o e d r c n d C c r i f u r c e a e e o r e t i l h c r t v r R o e p p t e e o d e a o a r C s v y r s n b u a e m o , y c n o t r p i e h p u o f r h f n o e n o ic s t i c p h C a n o e a o a l r o a f t r s i o r d o e o t y i b a e r o n f e c o n t h o e t h h a r o e f n e s t r c 1 e u , r C t o 9 h e c w ' o m 8 c e m h o r 6 h p p a f a v , i u o c o a e m n h u l s r r l n a e o n s e s d a t u d m i x h . o n e t m a n t e e r l s d n l a r s i i t b y s u d a o a e c s e b h l f d l e m d o a s , i w u a w s s u a y e c i a t l d h h l b p o . h p e d w I e l i i n e s c f ld a i a d x l l b i e l e i f o c l n r d e u w o o m a t a o n w o n n v f h c d t f e p o h u e a n l e r d . e y o t e U i m I o r o t e t e n S e r r c , s n m . i o h h n t V i m o a b n i l r n p y e l p g a o d e b t i h r r n n e t , b e s i I y t a n s a o h s t l t a e e f t i f o h a n r ic n e e d d e d s u p s B t e r t , a , , y o d s o y s u h a o m r u a c r r b f e d t l e l i j t n b e b h n o t l c e e e s t t f
ARTICLE V - SHARES OF STOCS
Section 1.- rntifie. telt of Stock
B n (a a o m ) n T e d h a o e n f d c D e th r ir t e i e fi c c n t a u o t m e rs s b , s e a e r n p o d t f a s s c h h i e n i l r t l i e n b s g e , a a n b n u a d m t e s b s h e o a re ll f d b t h e a e n s d C ig o r n e r e g p d i o s b r t a e y r t i e ( o t d ) n i t n s h h e t a h C l e l h b o a e r i r d i m n e a r s i n u s c s o h u f e f t d o h . r e m T B h o a e s a y r s d h s a o h l a r l l b t l h e b e e s a P a r r p e th p s e i e d d e h n o b t l y d , a e th n r' e d s
7
CONFIDENTIAL S0NY_GM_00013574
CONFIDENTIAL FirstBankPR000737
EFTA_00124217
EFTA01269384

s * e at t he Seactery ra Traumm . o any Assistant Secretary or Assistant Tressure; and shall bear the corporate
( p b ai ) d N , e o xc c e e p r t t i a fi s c o at t e h e r r e w pr is e e s e p n e t r i m ng i t d te u d x b e y s s la h w al . l be issued oriel she full amount of consideration therefor has been
e d i t l t ( f v x h i h e r c q c a e t e ) u r e e c n e i r p t T S d g i m = t o i a i o s a n r i t t n i s p s e n t e v r r h t c g o e d h a e f d v e l ; d u • i o r i e d o e e s x r s e t i r r h n t o i d e i t a b b f n p m r f u e t r e o f a t o a i p a r r w v o y e c e i n f h r r t a d u s m i i u e f c l o , l o t d h i i n h t r n s . t o m s s h e h r p a d o i a r m z o f o t e b v s p y e e a , t o n h r b l r t s a e i t u t h w t i h i t l o a s e e , n r s c t e t u s u h h t i a o g d e e a n n s , c h t B a h s e o o t e o , a u l f s a d r f p u r e e a t d b r h c o j s e t t o e h f o i c o f a t a t e n l i D n l m x t a o e n l e o i r o s t c f h u t f w t i o o i s c c l e e h h s d e n e v * i r t n n c o i o o g t m t l i n s t r e n h ; a d a g o o y t i h g t s r r i e e l e i o g o i n t n h t h t t h s m a t o o s o i a l a t , f d r s i y r i t e t z k e m r h a c e d u e a e t t o y i t C h v t h o b e o e a o e r n d r r i i p y i e z s p v o c e s e i r u e r d r i t a i g a m h e v t n h n e i e i c o t d t s e p t n s s e a , u o o d a y c e f f n m b h x d a c y c e a h p f n s l t r a a a h t i i w n f r c a i i t g n t r c , i i e c e o a o h r i a t f p n a b o e a s s s l l s h e t d c e a r e f a o i r i o r p n s e f , r
ICSlistia-ddlatOrDettlgysictrtifseagis
o i n b r e p o n e f e v o l f d q a w i t n e d h c u a d m e n e i e c r n y e e i n B o c n r l i t f e t o o f i h T s y f a s a o i u e r s c h n t d c f a h o e o y h t l e w o e r o h c - n f C s d n o e s D o e l e o r A d t s r o r r i i e t p f n r o r m r a i e o e c f s d o e c r a w e t a f t t t t h i s e h o t o a i e c t e r o r n n e t u ; l n h y r B o i o c t e t i s a a t o f f t i i t g r e i a s o t c t o a t r h n i p a o d i r f e n t r f i a e o d o s e m c s t e p r s m e a e s a t e r t y e a h t t n r r i i y e f y o s s d r i s e y o c b c B i u p e a c e l t e o a d r t t o e e i d i a a s m c s r d , r s e e d b e u , o a n r y p e l n t . o t o i r d i d f f i e n s i t s s c w g , D w e , a a i s n l i t i t i r e t h l t h a h e e i , a b o n r c o m s t i u g t e l r u o i t s d t t c r s y h r o s h u e e t o f c q i o s n r s h u t u a h h d i i o r m t e a t a e i w s n v m t C e y g d e . n o a i e o a g T r s b r p n r c e e ' h s r y o e s i e e r l u n t s t e a C i r u m g t o e l i c a o o n t o a h i l s m y e n m t r s e e s s m v o a p u a h i y r r s f a d o e f l e r d e d m s l e n e r e e n q a c n s o . o y u e t t m m n r a i b o o r t a e e i y a e r v y d , c e e b s i c t d i a s a h o s o . t , t s e n e u i t u s l d o n O y B f e t a w g o a n n c o i a o t h v n f o r t p e e d e i r t f n r y h w t y o o , h e d t i f c e t o n i u h e s D C e c r s t t t h t u h i o i C i r f e a e o r e i o p n c n c B j r c o a u t p e o o t r o d e o a r a f o g s t r r i i m a n f d s o m t u , t n e i t h c o a h t n h e o y a n e t
Ssiainsaamadtanhiru:
o t c ( h r e a r o a r ) n l d t d i s e T f e f l i i e r r c v a r a o e n t a r e f s n e f o d d t e h r r o t e s h c f e o e r p r r e f t e a c i s w y f o h i m c a r i d t r a e h e t n e , t d t s h o o u e r f r l e f y e p t t o h r r = a e f e , n s a C e s i n n n f o e t t r e p i r p n d e t o g a r , r s x s a w o e u t n s i i c o t h a h n o s s s r s t h u h h b a c a e y r h l e l C s h p b o , i r e s r w o p m o o i o t f h r a r a d o h a t e f i n e o o d r n a n i d e s o s u t a h i r l g u y e i n t t h s s m a h e u a e n a g t n h r t e i e t o c n o r i r t t i e s r y z c m e p o o d o a r f d w y a t s h t e r t o e e o r q f r ; o u n i t f m h i e r t y e e m r , . a C n u u o s r p r f e o p e n a r o n r e s a d n u t d i o r o o r f n e r a n s o e u d n d t e h l r y t o h o r b e i f y t r y e t t o h h to n e e
e c o ( x l b w a p ) i n m r T e e s r h s to t e h o e o r C r o r o e t o r i h n p f e t o e f r r o r a n e r t o s i a t o t l i n l c i n m e s , h t i s h a m u e l c l r o e h b s o e a s f h e a a e n n x r t e d c i t , e l o s p e i r d t e c s a t h o s o e a o d r t t e i h e n s e g a r o l t y w n , t i s h s t h e e h a e e l h x l o p p n l m r o d e e t s r s b o l e o y f f p b a r o n r o e y u v c n o o i d d r t d e h t d e o o r b f r y p e a c e l n o r a y s g w o n s . n i h z , a e w r a e h n e o y t r h l e e s g r h a a o l r , r e e s q n u a o i s t t a i t b t h l e s e h o a a b s ll s o o h t l a h u v e t e e r
w t d t u p t n h f ( t h h a h i c n r h o a e r y e o ) e d i t s t s c i m t o N e ; C f s h w o n y f r a p o f o f i i n t i e t f r t l t t g h r p e h s y s h w , e h r h o ; i e i m n t a a r e n s ) h s a r s n a * g w o e a t h o m d i h t m t h o a q f h o e f r t i n u t c h e e e l h o d t h t r h e e h s r e e t e o e a e e r t C d r s j m l m o d h e d s o s t c a h e s h e c o r t t r r p o a a o s a e t t l r l o o s l h o h l e t t r e h h o s f e s a t o c e e e h l t o t f C d i i l i e f C o t l v f o e e o s , C n e s f r o r r c l f t e e p r y s o o e s a d l p h o h n r c e o p o , a r a v c k t r a l e r l t o t e l l t a i h t y i t i o o h h t n e o i t , i n h a a d a n o n t a v v e h i n n . s v i e t e e s n , i , C h i f d t g t C t a e f h o u h w h n t o e t a r i e s h r r p t l r h o i t s h l e p o r y t y a h r e i i o r r g s n a ( a a o e r h l 3 h r g c o t a h t e a 0 t i h c w t o o h r ) i e t e e o l n o o e p r d d h I n , l w s f t a e o d s t , a y s e r i l e a p a n s d a s l r c s n l r e d m e w h i c d m t c r t a e h e t i e r l s t p h t u e a l h h h i a t e s n n e e s i a o t t s n d t l r f w C w f o l t e f e h w c d e m o h r b r e k i r e h r i y t n a a c p s i i t n a n i c h i o h n r t r t h g y h e e r e i t . a n t p e h t o h t t s g o e e o i f I e t C a o f o s s a s h t s n o c h h c e t a i t h k r a l a c s s h m l p e r r e h e o e e o t r p a e r o h h r h r p l t e o a l o o o m r s h t t p l r o l s h a i e d d r t o a c m e g r o o e e i n e r n r c r m e s r s e , s e i k h ; i s a n p s m t a s t t o h a g t h e h w r l a t f e e r e y a s i i s a h l o n n p C l s p a f i l i o r h a n n h f a r o i f a y e e c g g a r s r r h e s p v e t e i t s t o h o n e o o h r t h l e h r g c o d a p d a t r a k h l r e s e t r i n d e i a s i - r i f o r c e w s h p m o t t n e r y o o h r r i e . t e s l a t s s h ( h d e j h h t 3 f e o a e o a a 0 a o c I u n n l l r ) t t f f l l t
8
CONFIDENTIAL S0NY_GM_0001 3575
CONFIDENTIAL FirstBankPR000738
EFTA_00124218
EFTA01269385

C D s a a o i l l r e e r e p s c t s o o t e r o r a t r h t s p i e o r a i n C n c d e o s h r a t p a h p o l a p l r n r n a o t o t v i h t o e a n b d t e a b a n t y t r d a t w n h th s h e f e m i e c s r h . r h e a h d r e e o h o r o r s l o d s l e h d r e s u i o n n f t i f r l e u r t m h e e d . r t I a h n l e e n o s o a r m e tr v e a e n n t s o t f s e t h r h a s e l h l a C t l h l , e o h t a d p v u o e r n e b t h i e o o e n n k l r e e S r p h s o e a t l r t l e e h s d i s o t o f o r s t h t h o e e c r B k s o t i a o n r c d k t h o a i f s t
C ob o t r a p i o n r in at g N i . o o t n h . e s h a co r r e n h e ol t d t e c r o t n h s a e n n t p l o ed f g a e a m s a c jo ol r l i a ty te r o al f f t o h r e in d d e e n b o t t e e d m n e e n ss t! a m ny e m of b e h r i s s o o r f h th e e r s B ha o r a e r s d o o f f s t D oc ir k e c w e i o th n o u o t f h t i h n e t
A•rtion 4 Record Dam
s a t o f n s t o h t h r e d e h t h h e e e r x a h w a o a c e x r c t e D p e r e e t f e p e r i t o t r h p e v i e h h u r p r o d e e t d o e e r h u l i t p . c l t n d e n a r r d h o t e I g p e o e n o e e n s d r c o t W r r f e s i i 2 o s s s l i c p n i f h e 0 r o h e e t f u e g d y a i u e f n s x r d o s n t h p ( d t d o a h a f 5 i a b o a e y t e f l a 0 l e n s t o t s l e d e e ) e d e e r d b d r d n n o a w m f e a e t o y e s t o o m y t o i s a f r i o e r n n t e s t a v r n n d g , i c m m d p o t n o e n o h w e r t t g t t i y o r h e e e i e n d a h c r c e t r a a c s h o e i m e d f t t c s l e d t i e p , o a o h h o h i w i r n a s s t a n n f e o e n e h n i r e g r o n v o e a y f r o o g i r o t n s a r t d f i m e f u h r c e c t o e h b c t h c e a e t s d i o h h u o n e e h o i v l s e r t f s n a d ( o i e d e i o r n g 1 . a e n l l t s r e i e r g i e 0 e d g h v s o c h s ) i j a U o e o s t b d f e e o i t n f l i r a o n o t d u l , e a h y i s n t n n e t i o r i h e s y n o m t r n r o l , a s t , C o e , h s a e r f s r d i o f e o s e e u e f m d h t r f t s c c t d i i n p o h e h o o n h r a o r o e e e a i g r y e r d d t c r d m e a i c r a o t e o e n c e o o c t s t a f d n e g c i e r r e o , i a . o s d t s r v w o n o = h t ; m r e e d , r a e h t b i p h i t n r i n d t i s h e c a e e o s t a a e h g i y h v t t t r c i i f m l e o B o e v o t i e o x h l c t e o f n e d n d e e o e o n n a s d e d s r r , r t t e r h r d , d o t e n o o t a h h s s t o t d n f l h h e o e n l a f t a a l e o d a a o d u t l n D p e t a t l e t i r y a y i p c i t a e b o n f m e l e d n c o e o y n y r o i y m m r n v a o t o r p d o d i t d i e f f w r d n e r o e t a e t a s h h e t d p c h n e n t a i e m a o i y c r r e d o m t s e h d s a t e n a D a e o , o y i d l t o n i o h f s j r f w f i r v o o e e f i e o n x r o u a i c s r g m o , t h t l r t h t l i e o d f n s a e h o n o r m h i r I e t e u s r a e m a m a t e e t t i h d r r d n c s n e e e o a v i a e t g h t n l n l a o n a m r d o t t i e n a t n y h s e i l s o c e m n d , e s r h e e f a s g s e r i e , t o l h e n a r i e l t • t n s n o a n a d e h r g l y d f t o r , e l f t i i , a o u h e c d r n r b o e t x m r n e i e g e e g t r c l d o a d e h e n f n n o s a o t p o t i o o y s s f y s o f t r , t
RitTIOfit OW/DENTS
such am S ou u n b t je s, c a t n to d a a p t p su li c c h a b t l i e m l e a w or , d ti i m vi e d s e n as d s th m e a B y o b a e r d d o ec f l D ar i e r d e c a t n o d rs p a a n id y o d u e t t e M rm a i n n y e . h inds available therefor, as often, in
ARTICLE VII - FISCAL YEAR
applicabl T e h IS e IN V f . i scal year of the Corporation shall be fixed by the Board of Directors from time to time, subject to
ARTICLE VIII - r.ORPORATE SP AI
Sr-don 1— Seat
The Boar T d h o e f C D o i r r p e o c r to at r e s m se a a y l s a h u a d l o l o b n e z i e n o s n u e c h o r f m or o m r e i s d u s p h l a i l c l a b te e s a e p a p ls r o a v nd ed p f r r o o v m id e ti f m o e r t t h o e t i c m us e t o b d y y t h th e e B re o o a f. r d of Directors.
SsationLLAtrudaglcal:
t t h h e e r e re o q f u a W i d re n h m e e e e n n n e t t v s t e o o r f t t h h a e e n s C y i g o I n s r m p at o u r r r a u e t l i e o o f n o t r h i s r e e r a g e u u q t l u h a i t o r i e r o d i n z e t r o d e l p o a l f t a f in c ic e g e i r t t . o s c a o c r o p r o p r o a r te a t o e ra s l e a t l o t a o d im oc p u r m es e s n , a t, f i f t i x s h o a r l l r b ep e r s o u d f u fi c c e ie a n t f a to n i m m e il e e t
9
CONFIDENTIAL
SD NY_GM_000 13576
CONFIDENTIAL FitsiBankPR000739
EFTA_001242 I 9
EFTA01269386

ISTILLEISLAtablIthiSZEES
e o A n r f t f w i i t r l a m e iv d a e ti t r A v o o e D v f v o B n o t y o e t l t e a i i c n w o e s : f h o o s e f f h s e a t u l h r e c e e c h h t C i o m o l o n d e r e e p o r t o i f s n r D a g h t o i s i m o l h d n a i m l n l s g h e h a r a o l v l a f e t b s a r e u e n s m c y u o m a b rd n j a e n r c i u i n t z a e t l t o d h o e o a r l r s t a e p s g r e e g a c t t r i i f e a o o g l n r a m t t h o e e r i e a n t r t i e f n p l u g a e ll a s o t l t f h , e a s a h t n e a d m i r n e a n h j t e o h o w r e l i d t p B y e r y r o s o la p , f w p o t r s s h o e m e v d i a a d o y m e u d t b e s e n t t a h d m n a m d t a i e t d n h n e g e t , . s n b l y o u t m t i h ce e s
Section v - By Directors:
e e e t B s B t t h l l l h h h e e y e e o e a c c e l c a a r t t t m i i e r w B i a o o o d h i e s o n n n l o t o i a m h l o n o o f r d T o g d f a f f e D d h d D r o D t o , s i e e h r f i f i n r e e B e b r e D o c e n m y B c o t t c t i o t i a i o r t o t c o t h r o r e a l u e r s d e e r c r s , , i s d d t c , o o B q o i i t f u o r t s e h a o o o s f e a a D t A o r d r D v B u i i d o n r o e y m i d e p o r t f l c e e f a t f t e e t h h c w n o D w c d a t e e r t o v s c i i s b u r v t o e e B h s y s e s t , m h o n l s t t r y a a t a o h o e a h l r r c s e l d y d e n p h p r e h B o a e o e a b r a w n c r a e v y s n t g s h u e e o d a e u r a t d t h p l l h a a m e t l o e i o d e n f n r a w f b r o y f e e g j w e p o e c t D p o r i t t r s h r s i e i i e v o t r e t a o d y t o e e v s r s l c t f i n v y u o m s i o t o n o i b g r t o a r t r t s o e e e h n s k t t t h m a , h s o e t i i n h t , e s n f o o h t a r a i v f a t A a d t w h a t w h l t o l r e l h e i e y t p t f i e s h b c f t n a h t e B y l a h o o f e a c f y e t t t r e e t i I i l e h c v a q c m X a h e w e t e u m i o l i n o o s a y t k s e g h r b w f h k n a u e o a a m t d t i m v h h r t s s h e e e . t e e B a h f n - y r t o I p n o m d e e l f r e r l a s s m o d x a w a p m v o r e t e e t w s r i e r y n c m d s o e t t ; r e B t e e f f o t d i y p p o e o n f t l t r e g h r m a i d o t a n s w h e c v i l a g s e e o o C y i r d a f n o c e r o e a d e h f s g r m d l m h u a u e s t , e a n g c l h o o a r r g t u h u r v , t e i t e l i o n e a h a h a n s w g l b t o m i g i m o o o o l e a a d e n n v l f a n n n e d , e d d r d c e e i r i e s i m m o , r x r . o s o e n c t p p r c r c h e f e e t e o p a o r n o n r r e t t d f d r n p t s t i i i t h t e h n n n h h o a a e g g g e e l r t
ARTICLE X - INDEMNITY
u r i a m a o c o e n o g n o f r s c a a l o p m o u n l t i t e n h a w r n h p c r s e d e e e l f t t r e u l C d r e e t t i o e h x o c A b d r e o p r y i n s p e r g a o y o p o n h h c y r o r s i t t p a m e i r s o o t o e a s h i f i r n t o o e ( i m s , t n o i r o h n s , n r i n e c u h e n o , l a i e d C u r t w p s r d o o i a o a h s i i n r r n r n c o t p o a n g t p o b i r c e o w r l r a o r o w y a n t a s n c t t a h s i o n b o e o s i e e r e r p o n n s l d c , i ) r e p e i e t n r i j b r v y o i o v o g s y e s n i i c , d n n r e • f w t w g e e e t e a v h d o i p a t s s e e i t o h ) o n t h n , t t h n g t s h e t y j e u u , u e o r i c r d h n o f e r h c g e e r , t i m o q h v a o t i u r i r c e s e l : i e t , n n f m i s s c t a o t o t h h s r c n i t , r o e o t m , e f f o r t a s i h h i n p u t n t o a e a h e p i a d t n t t s e o h l e , h o a s n e C d a e e r n r o d o d d o p t m e r r o r p r a a e t o i o o s m a r n b c h : r s i e m e a o t s o e h e t t u m r i i e e d m o a n s s i b t n t n b a o i e s l v g d e e , r a e p e s s i m w m a t f o a i a a a i d r h u n s y d e s p i t i i a n e e n r a b o r v e r d e e t s r c e t o i s y e s t r s i t o t t e n s h t i b t r c g l d o e e , e o t a e o l o m f i t a m a r e i f c v , e f n t v n t i h e n o y e e c i e f t f d e ( f h i o a t r e i C h i , i c c t d s n h r e e o t e u r e m o r g b , a a r p r y o t e p l o e l d o m h l y r n t o u d e h a p a e y r t n e d n l e i f o o c a e , d C a y i n o o t n p e o r , n h e e r e r d a a n a p a a o n c u s d n o g t r d c o i i d r e t n o n a a n w n g a g w t i t n i b e i o a b t o o n l h n n y r y f t r
a u a o n n n f d d I n s w i w o n l f i o u • th l c m . T o r h a e n e n s t p e n t e e n e c r r d m t w a t i e o h n a i o c a t r i h n o i y h t n s c e M e r o i q m r a u n i i s n v h y a a e l l a e r c a n e t c a t i t , o s i s o o n h n n , a a s l o b u l l r i t y t r o p o b t r , r o e o l c p i f e e r v e o it d e c s d i e e n e l t g f d o , , i a n b h g n e a d b t in e y r e o a j a u r s p d n o r g o n e m s a t u b e o m n l p e t p p , c o t o a i s r o u e d n s d e e r t t h , t o o a a t t t i h b t t e t e h l l a e b ie r p r a v e e e t n r s i t t n , h o c a t n e o t d r t h : a i s d i t i s s m n o o o i r a f r n h t a , h e c o e r t r C i c n u o O p n g r o p d o O n u o c d r a a t d f p w a r l o i e a t n h a s ,
d t s e t o h h i i s r e a s c i l n u u l s t c p r b e n h e e r s c e t a m i s a A f c t n i e a t n c o i d d y o e e e D n s a i n , b s i b d r e s y e e u e u c c t m i h a p t t o u e n o o r s i n B s r f e i o s c p a h o a a r e d o t r d i d e c o o i t e r n o e r e e r f d c s m u t D h i n s n i e , d n i g r b e a s h e y r , t c a i o o i t t d n o h r n d r e m i s t e f f h e p b o s a t e y r u t e n t c a h i g d h n e o m e d i a n a e n a t p r j g q o n l p u e r p n l g o i i r i t c a a r o y a l u c v b v c m a i o l o s t e i i u t o o i e n s s n n t s o a s n e o f n o l s f d • h t i n a a a q o r l a u d b d l o i t w b a r o r e e i r u f n c i m m t a t c t o e b o a r n c l n d , e o d e o o , n u f p o b s f c i r i i y n s t c e t i e s t i o v h r n e n e , e g t n e , C o f o m o i f r o f p r r D t b l o p h o y b i o y r a t t e r e a h b a c e i e o t n t i o o v a o s r r b h e n s l . a a e w o r g e S n a e h h l n u n o y o d c t l h w a d i t s s e h d o r a p e s e e u r . t q o e t n h u p n o o o n e t r r r i i p t a z i t a m n a e r t d t m d i o e i i e n e f s
s in p e a c d if v i a c n c E c a e x s e p o e f u n p t s h o e n e s f I r i n e n c w a e l o i d p o t i s d o p f i o n a s i n d ti e u o f n n e d n o e d f r i t n s a g u k c i a n h c g a i v b c i t y l i o o o n r r , c o s r n u im i b t i e n o h a r a l p l a f r c o o t c i f o e t n e h d , e s i n D u g i i t r a o e s c r a t p o u r r t o , h c o o e f r f e i i z d c e e in d r. g , b e m y m a t p y h l e o b y e B e o p e a a o r id r d a b o g y f e n t D h t i e r t o e C c r o t e o r p p r a s o y r i n a s t u i t c o h h n e
10
CONFIDENTIAL
SD NY_GM_000 13577
CONFIDENTIAL FirstBankPRo00740
EFTA_00 124220
EFTA01269387

a he m r o e r in is a ts u u th n o le r s iz s e i d t shall ultimately be detemenned that he or she n traded to be indemnified by the Corporation u
e c d w a m is h p i i p n a c t c l h e o i t r y y e t = h T s v o t o h i e t s e r d a e v e i B n e s d r t n a a w e t t r c a i o a n k o n n e g f d g f t i s c i h o n a s a u d r ti g c o e o h i n n n t h s u o h e n r f e r e f i w r f s i e t a « i o s in t , e i o t , p a h n c r b n o d o b m v t e i h t d a r n h y e a a t d s & ll b b t e c o o y o f n e a t t h t h a c i i n e t t s i i u d o h S e e n e d e i e i a c n s s t u , i o h n c t n o i r d s a e s s t r o m h p r o o a e t h n r r s n e y s o r o a b t n n o y d b f w l f a e a ic h w d d i o a . m e l e a h t o h m g a p i s r s e e a o d e c c r m a = r it i s o e y e e n n lu a d t o . s n i f d t v v o m o e a t b s e o i e l t f o o p a s e f a a D r y s c s o i t t o r i o n o e t . d h n c e t t b n r « o , n l m d g o e h f o f n t i t s c h e e o t : o r r ,
p O a w o r f b h o f f f i e i v i c l c t i i e h s t e y r i e o r , r , a n e T E s o s m s h m r a e p e b r p s l o t o l e C o o y v d t o e y e s e e r t p s t h e r e o o a e t o r i r n a f C r s s o t * e A i a r o h t e p g h n m i e o . s m n r o a t a a t f o n y i o t d f h p n a i e n e n w c C r o u d o t o r h u u r t e e l o « d r d p c b h s a t a a y i p o d v h c e n e m m n t o a i h t i r o n e o o r i o s p s h t o , i o e n s p r r t u u e r w s i r m a u m s t r o s e y s r i e r i n s c s r u d c v * c e i n o h m g j n o a n a i p b n i t f a t t y h t t h v a h h e e l y i . n m f r t e o o u q r r o f u e a r s e , r a s i h t o r t y e u s o r s p ig f t e a o o d n g u r i a c e t i e o n o C t s h w f t o e h h r o r i p o s u e o c o n i r h o a r t e t f h c i a r o e e p b n r r r i i h s s a a t e t s t a y s t W a u a u s D n i e o a d k h s s e e o t s r e : c u a t o t c o h n o h r e y t , , .
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9. m C a w ti c c o a a c k r d o p e f e u o e t n a r r c a t p h t a o i e o a g f c n r C l k e h a b o e e g o r m p r r o e e e o k o e n r , a f s t . p s t i t a . o o s n d b s e I e b s li o v b m e o o r k a u e n n d s e d t s o a i b t r n e y e m m d t a h e . d e n in e t 1 o e e e f a v r a a c n h c d s c a c a o b a n u le s n d e t t , C o w r o C e it n h c o d e r t i p i h t p i o o e t r n r a s s n a t i s f o m o t n r e r u B f n e r a o u ff m m s e i c n t B t e d a a s o s s n c k u A if m c a e c n e t o d c n u h t b n o y a ts r n a o e d l t l n h e n d e v o r S e t i r a e c y g r e v t r s e e ic r e p e m m o s s . e t h t a n e e s t d s r e w . a o s e t f u l t l w c h a h e e s r a e o a s f n s f . i y o c b t e s u f i t o o g r r f n t o h a B t t a i u n l n i r m e k fu i c t a l e l a t h d r w e d t r h o e d i . c i e n f h u p a n o th n d s e d s it
10. r T t e o h l e a e f t f i O n ec g ff t i t c t o h e e r a s n f o o y r f o e C f g o i o t r s n p b g o u r R a s e t i i n o s e o n s l u o s t r i f o r a i n t r h t s y . B o a n n e k o in r c m lu o d re in o g f b th u e t m no a t r f e rn h it e e r d e b to y . a th u e th e o x ri e z c e u d t i t o o n a a c n t d fo d r e C liv o e rp ry o r o a f t i a o n n y i n a g a r s e e o m th e e n r t m s a o t r t e c r o s n a tr n a d ct t s r a n n e s c a e c s t s io a n ry s
11. R B e a s n o k l u is t io h n e s re . by released from any liability and shot be indemnified against any loss. liability or expense arsine from honoring any of these
12. r e e e r S B o u S e e l x x p n e a u m s p e e p c t b p n r i r o o e l c c j e k e e r w s n r r c t t c a a e p o u t e r t i t n i t r r v n y t i i o y t t t o e o i o e a t v o y n n o n t i s r p i d r v t i c a n o t g e o e h o a r o n d r s a e a n n t a i c g t t n y c w o t h i t n r u o e a a f i A u r t t t t h e p h , o s e C s e s h d s f b o u a . r r i r e s u 8 a r c s e p t o t w h B a v a s o n n a a w o u n b r a a t n l c c o o i o t t k h n a t v S h i i f o t d c e e u i m f n o e l . u c n i ; $ n k a e n r 1 a t s e e i y a d l h o n n t c r s a a r o d c e e h r l o d m f l c e y f a n o n a e e v o n o o c t f c i e e p r y r l t t M t n u d t i b f a t s b i i c e n c e o n i p h y v a n y f r e a e B t t o i h i f m n o l o o r f y a e e e g r t n n h g a c t e p e o k t t b o s s r a r i i v . s o y i t o t n h e t u f f O r e r g p e m o w w r t r f o R m e r f e r i i e c t i c s e t t h a c h t e e t s e t h e s r e i r n o m n e a i e t p o i d s a u t n . e t f a p t t p o t i i t t e C o o o h e t t e i o c n n e c o r c t s B s e r r o d t t o p e a i o a t m f n s o o o n n n u a s r f k e a d t n o c n h a t h w o y i t i e t n o t h h r n e n a e c C e w x o t o n h o i o i t w t n s y t i e a r r h o t p c i r h n t t n a i r o i s h s e m e g r r a b e e r y a s o e e i u . r d p t o i b e : n t e c ) f , y p O g e s c R t r r t a a h f e e t R f u t i i e i s s d f o c e i t r e o e e h e a a s n l d r o u b u o n s t r y t e l t y : t i u h z o o d a c t c e a n i n o t i o h d s t l o d n t n e i t f e B a s a o c e r , n s n e a k r b r s d d n p t u e h e k r o n d d s e e r t O i c i s g r l s , o h e n e f n n B f t n a c o a i h a c a t t m r t e e a i e n u i l n d r t e r k r r i s e e v e i s n s t e t o o s c h r r s o e a r t a a c r f c i r u a l o e n l e d t m n t r h h i s h t i p d e a i n e e f t s y v n r c s f h . e O t u r r p s a u e l h f s e , l l f n p l i a u c f f c d o o r b d i c e e m e r r e h r s c a r s t e e e n h r r t n e n o e h e a a s c t t a e n a p n i e c s d o t a d i s i e v o v f y e e . n e o e m a t d a f s t T h f h l e b e h b a o e o n l c e e y r f t f t t
I C t h F o e U r n e R a a T m -a H e r E d m R s ig C n E a o R to p T r p I ie F o s Y s i w te th h t a o h t e a t i h r r e e r e n p s o p e t e r C s c o o ti r n v p s e o h n ra e a t r m e e e ° in f s l e d a e e n s t i s g o . n r a t a o l t e w th d i e t a r s e l O en ff t i i c n e g r s a r o e f t C he o r a p u o t r h a e ti r o d n k . h o a f v f e ic i b a e l s e i n g n d a u t l u y r e e s le o c r t e th d e t s o a a id n r d e s n p o e w c t h iv o e ld O t f h fi e ce o rs ff i a c n e d s o in f
Name (TYPewritten or Printed) S2lOss
jtmfrr sin
President
Vice President
Darren Wake
Secretary
Richard Kahn
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IN WITNESS WHEREOF. I have hereunto set my hand as Secretary and affixed the seal Cl the said Corporation It /9 day of
2012
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EFTA_00 124223
EFTA01269390

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Corporate Resolutions For Telephone(
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Cypress, Inc.
A company duty organized and ensang under the laws of V.S. Virgin Island
Heft at American Yacht Harbor on the 5 day Of Aprr , 20 12 .
IT WAS RESOLVED
1. p T T r e h e l a e s t e p t n h h t o e e n d c e o t : o m T e a p l n a e d x n / y a F i p a s p c s r s u o i e m v e i i n l d e f / b a W y v r o t i h t r t e e o n f B F I o n i a r s s r t t d r B u o c a t f n i D o k n i ( r s t e h c i e n to ' t B h rs e a n fo k r ' m ) a r e C q o u rp ir o e r d a b te y A th u e th B o a ri n z k a . t i a o n c o a p n y d o In f d s e u m ch n i f t o y r m Ag h re a e v m ing e n b t e F e o n r
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2. b T e h a a t u t horized J t e o f f e r x e ( e y P c e E u w p t N e s a t t e h ry i e n A P s m a r C e id s o A i y d n u e e t n h , t o E r r i e z ) a tion and Inde mnit O a y n r A d g / r eem R Ac i e c c n h o t a u i r n n d t f a K a n v a t o h r ( n p o r T f y r t P e h a e i s n B u l a r e e n d r k , 0 . 0 J 0 e 1 a ,Y n re n e Brennan
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EFTA01269391

Corporate Authorization and Indemnity Agreement For
Virgin Islands Telephone!TelerJFacsimile/Written
Instructions
1. ( a t & o I u n L t t s u h t y n o r e r u n i z c m n e t a i d o , i n n to t e a f ) i r n T a d e h m e d e l i i e v n u e d e t r h e d b e d e u r s l b e s i y n i c g e o t h e s i e n s le d a w p o h h it f e o h t n r h e t e h e b e o B y r B a r t a e n e n q k le k u x e a s o s t r s E w b a r b n it r t d m e n a o u o n t r h t f h o a e r c i z s c e i o m s rp il A e o r r s t a r e t a e d n a r u e n r s k in o ( s lu t i h o ti e o n n T g a i a v e n o n k t h o ') e r r t p o e u v r a i p d c o e c r n e t c e p e t d y a a n O a d r d e a v n i d c b e y u o p a f o a p n u e t a r h s n o o y r n i t i y n o s f r r t o p ru n a c t r t s t i i o e m n r e s s
2. B t T i h a g e n j k B a a v a e n t i k l e h s c a ha m if ll i x n h o a is v S e . a n T b o h ia e la y u b a n i l d it r e y e r s s o p i r g o r n e n e s s d p ib o a il n c it c y s e b f p o il t i r t s y a t f c h a t e in a r g i n s i y k n m t a h i c a s c t u o i n n r d d s e a t r n n s c i t c a e t n a w c i i s i n th g m a s a n a y y r i b s In e in s g g tr i o u ve c u t n t i o o b n f y s a , a n w n y h t u e e n l t e a h p u e h t r h o o o n r r e i n z I e o n d t s g t p r e u e n c rs t u i o o in n n e s a . o n r d d a u g ly re a e u s t h th o a ri t z t e h d e .
3. s d fo o e l m l s o y w e n o in a n g t e e i d o n t d h b i e v e r i l d o t p u h w u a a g n l s s s h . t . h o M T e u h l o i d e s t s h n s u e e o e c r t r u o b o r f i e r t t y h n p e p o e i t r r n o s s s o c t u r n e U c s d h c r t w e i o o h n r a o : s g W . r ) g e e a e n d d e i r u a h p l a l o y s n I i s f n o s f u r la e v t e e I r n d e s y t a i r n n u g c y t t i s o h t n e . s t a h . u W ! t r h a h e n e m g n e e i % d v y e r ( o T p f h o I e n s s s B t i r b a u l n e c k t , i o t r n h e s e c o i B s m a a m r k c e e n w l d l i s b t a t e h c n a k d t e to t a h v a e o n r M y t e o o s f o c t n a h s e ll
Name and Title Telephone Number
(Include countzrAnals40
Jeffrey Epstein. President
Richard Kahn, Treasurer
Jeanne Brennen. Accouter*
o A d n o lt c e s u r o n m a r e t ti n v a e t c a l c y ti o • o u a n n t o t t n he fi l B e a w r i k th s t o h p e t B io a n n , k th f e o r c t a h l e l b u a n c d k e m rs a ig y n b e e d' s m a a c d c e o u to n t a s n a y s p a e u rs th o o n r i d z e e s d i g to n a is te s d u e o I n n s th tr e u c s t i i g o n n a s t o tr r e o c th a e d rw s i o s r e a tr n a y n o sa th c e t r b a u c s c in o e u s n s t
I s w d n u o h c d a e h i d t m h a d e e c it r n o i o t t n h a n e i t n r t o o I t n s n . c s o t a r n u l f c b il t a e o c r w a k i t P h th a t e h r e e p a d B r a t t i o n e k s b e f a o a g r r r t e h th e e e t u h s n a i d g t e n f r o a s r i t g r I e n n e s o t d r r ' u s a c a n ti c y o c n n o s d u r v n e i t d p (s u a ) t i r d a e s w d a h b u o y th i f s o a r d c iz s e e i s m d ig i t l n o e a i t t s r e a s d u n e s o m n In i t s s h s t e r i u o c c n u t . i r o o r n e r s n i t n o W r w o e t a h a e n n r ) w e . i t s h c e e a t r r B d a a s n n s o k a r c C w t a i b ll i u e d s t e i a n t c e e c r s r o s a u c n n e r t
u T n h d e e s r e st c o u o r d ity t h p a ro t c th e o d s u e r e s s e c a a n n d it Y o t p h r e o r c t e e d rm ur s e s N a o r t e a r d ie e d s i i g n n t e h d is t o A g v r e e r e ity m t e h n e t a s u a th c e a n p ti p c l i y ty t . o a N nd e e n n o a t t h h e e r c tS o r a re n c d t n c e a s n s c . e o ll f a I t n io s n tr s u o c f t i I o n n s s tr . uctions. It Is
e T t h h e e r B i a n n tr k u m ct a io y n , a s t g it i s v e o n p t b io y n te , r le e p c h o o rd n e (e a le n c d tr a o n n y ic o a t ll h y e o r r t e d l h ep e h rw on a e e d ) i a s n c y u s c s a io l n b s a c re k la m ti a n d g e t o p u In rs s u tr a u n c t l i t o o n t s h . is Agreement. any Instructions or
h n p a u b T T r o a r g e e h o a m r l l r e i d v l e m e d i e e u v d h t s h s n e e O a e d d a d n n t e n h d B a Z b r d a s b y e a a t i o C d n c g t v h c k n o t I e h n e e e n h . e s p d d B p a t t r i e r a t r s a u i o m d o g e n c v n r c t k l b i e i e d s u o y s e i e r n n ( s i s t d a s t h y g . s f t t e h r h o o p T m a e B o m r h t d a a o B e e y n c a a f s a e u k n n b r i d n t y k i e i h g n u d h I h r e a c c t e a t o m r e s o s a s s m h e a c c s a n n s n p o e d v u e d l m i t e e f a d f d p d e n f b u a o l r c i e t e t g e r e r i t e d e r a d h e w n s m w o e i a h g t s r i h t t n e i h i l m v t i r d t o a e e h s e b t n b i e u h n i e c l t ( o i s o t h a s y c e b e t s c o o i i e m n s u u h o i c c r g n a f e i u u t n d t y ) b r r h e i a r b i p t e e t d y p y o r d o B p I p a n c r a b a e n o e n y t y c n d h k c e t u I e d o h n h d r m * e s e e u c t a r r t m r B s o e e u s e a . u e c e t t n n h t r i c f o o k d e o i f n a e r I u a t . n l r l h n y w n . s d h h y o h r e e a e r e f r r a l t a a l e s h c b s r i i e s g n i o e s r i n m n a i o g n e a n i o r g l r b d e r v s f l i e e r t d t a h o r r a n c e m m a n c e u u e o s d t t n m t u h h h b d n o e i o y e s t r d s i B s r b z s i a a e o i e o g n t d n f n k . t t ) h e e i ' p b s s r e d r s m y o e B u a s v x a e g e i a d o d r p c e i f t e n u n e t r g t h s s io t e o T h t s n o n e h B e o e i a u a n f a n n u d u I d k t e n n r h ' e m d s * s o r t e s r A r n i a r u i z i s c g f g c e y i c n g t a d o i e a o n i n u d n a n e s n ' d s s s d t t
4 ( v B t I B n h f e o a a s e r n t r r . r k t f k u i s c c h M t t t a i i f o o o a n a n v n W a O l O i ' e e s s r l s l r l y y v o s r e i O b t s f n i r t t u t a o h d i c e i e m e n h r r d e n r a t d e i h n n O . a s y t s r a n U . l o o c ic p n c s I t o t o w s io ' n r s i s d n t n h e a u i o o n n a n u d c r d a t e e a e c i n d l c r w c s t o o o u t i r t o h d r r t o r a a i i t d n e n h g g c e t i u h e l a i n a s t n w y d e t y e i c r t t r h u h r e e s e r s t i t i g t i r p e B y i n o e s a e p n d n s d r s o k e . i b b c t a s y e h il h m i d e t t a y h u e B l e r f l o e n a h B r s d n a a a k s v h n n e e r a k y t a v n l i f o e n y o o s f r r s a t a e o h . i l f b l s r l e h l a a o i d g e i . b n a r e a i e i t n r t i t i o y g n a i n t . c s f r a d c t o o o n e e m p l d x a e t p i y p x t o e h i e r n n o n e c g . c u s r u e t e t e h e n s f a e d s u a l i e s s e n n e r i g x y s n a i t a g g I o n c n n o d e t e I i u r x o n d u t e s n O c c w t r t o u f u i i o l s t f l c e u n a i t n i c n a o d c h n n I e r n r y i r a s e s n I l e f t n t n u r e s u s e s r t c y a a r a t u l i . a r l o c l 4 n n r ti d e o u u a n r n h s e o o t o a l l r n d s s a p u u d b e c c i l r h e h e t
5. T t a t o h n e d e d le e m p r a n h g m n o e i a n t n v y e t s o T s o r h u n T e tl e e d u l r e n e m x d o e r o a r r n i s n F d ig c a u n f m o r e r d l i i a n n a t f g l c e l r o o e o n s e r s n s W e e s t c o r . t i i t c o i t n e l n a d n i e m w I m n i s t s h n , t i r d f u t y a h c m i t t s h io a e A n g B . g e w r a s e h n o e e k r m . t h e i e f e x s n r p t o , e a r n f I f n n s il c i e o a l s t u t e g d ( s e i a n , n d g s u . u d in b b i e n s u i g o t d r i n a l d e o r u i g t e t a y s li l m a a f u o n it t e e d h s d o t h a r t i e n z o i e d , r d d a d . c r e e ti b n a a g d u s o c r . h o r / e f m f f ic u a e s ) r i n s w . g h re t c o p h r a e a c s o t e r n o t a n a n ti y a v n e o y s f
6. o O u u r r a c g o r n e t e in m u e e n d t i t s o s t u h a e n s c e e c o u f r i T ty r a p n ro s c fe e r d I u n r s e t s ru a c n t d o r o s th fo e l r l o te w r i m ng s s o i u d r e r ti e a c te e d i d he , e ro x i e n c . ution and return of this letter to the bank wit constitute
Account Holders: Ceders. Inc
By:
Darren I rdyke. Secretary
Name(s) and Titled)
Cern* Vtlel tette es • awed, VAnteent Pair Rai
CONFIDENTIAL SONY_GM_0001 3582
CONFIDENTIAL FirstBankPRO00745
EFTA 00124225
EFTA01269392