EFTA01269598.pdf

I First Bank Document Checklist for
Business Accounts File
Together we are one
Important note: Please refer to the Account Opening Procedures for pecific information on the various types of documents required at account opening.
Signature Cards
Customer Due Diligence for Business — Entities (eff. 611112010) vf
Customer Due Diligence for Additional sigers or Authorized Signatures on Business
Entities Accounts (eff. 611112010) ..../
Observations at Place of Business
OFACIPLC (print evidence of verification) (6/1112010 for new account clients without
an active deposit WMi nt al the time of account opening) 4. \elf
Document Checklist for Business Accounts File -NNNS-2464-0711R n;
ECR Chmkist Individual Account for Personal Purposes NNNS-2544 (Eft. 6/11/2010) c\t c\cA
ECR Individual Account for Commercial Purposes NNNS-2540 (eff. 06/11/2010) C\
ECR Checklist for Unincorporated Association or Organizations Account (league,
Club, Class. Fund raising, religious. civic. etc) NNNS-2538 (elf. 6/11/2010) (lki:\
ECR Checkist for Corporate Accounts (For-profit or not-for-profit) NNS•1281
(eft 611112010) l'\\O1
ECR Checklist for Special Partnership Account (for profit and not-for-profit) NNNS.
2539 (eft 6/1112010) N./
Covered Person Certificatim NNNS-1303 (eft 611112010) Cl\C;
Appropriate W-8 Form or W-9 Form (if non-U.S. entity) (eff. 6111(2010)
Disclosures that must be given to client
Rates and Fees Schedule
Account Agreement
FDIC Insuring Your Deposit Brochure rUSVI only)
Notice at Negative Information Disclosure
Check 0 if is completed
Other Documents or Remarks
WA It not a ..4. ;cable
Certificate of Incaperalion or Certificate of DualicaLign (Ka U.S. based oorporalkn)
Business/Trade License (arren0
Certificate of Good stabling
Articles of Incorporation (stamped by the Office of tbe Lieutenant Governor if USVI and trio
Registrar of Companies in ire 8VI)
Certificate c: Trade Name
Corporate Ftesolutior (with Corporate Seal)
Corporate Resolution and Corporate Authorization and Indemnity Agreement for
Telephone/Telex/Facsimile/Written Instructions. (This documents only required if
client requests fund transfers by phone. fax or messenger)
.ft
X.T..:::::::;:i Se. ._. kr li ft ---- .— — • l'allaniVifi.-". ,i L " _;.ldititlis;;?.}.:fi);:iI.C.a; —
Pannersrsp Letter and Security Agreement
Businessrfr ade License (current)
Partnership Agreement (rf it exists)
Certificate of Trade Name fir apple-able)
Coruscate or Limited Partnership (it applicable)
Resokreon where Paroorshp contains Cscooraton as a Partner (it applicable)
Partnership Contains Lnniteri Liability Company as a Partner (if applcabe)
Pamersnip Contacts Trust as a Partner (l am/table)
Pamersnip ConrshsJont venture as a Partner (it semi:shim
Security Procedure Agreement kr TelecticaeiFax Issuanos of Payment Orson or Request for •
Interne:Iona' Draf's fit requested) CONFID I L SONY _G M_ 0 0013788
.._._ _.._...
C ifs an
EFTA_DO I 24431
EFTA01269598

Certificate of Trade Name (4 applicable)
Corporate Resolution or Uninwporated Association Resolution
Certificate of IncapotaBon or Certificate of Authority for Foreign aid Foreign Nan-Profit
Corporation (it ncoroorated)
Articles of incorporation (4 inc.:Mcrae:0
Certificate of Good Standing (48A corporation kr nue than Neve months) (i incorporated)
Corporate Resolution and Corporate Authorization and Indemnity Agreement for
Telephone/TeleyJFacsimilePAhitten Instructions. (This document is only required 4
ciient requests fund transfers by phone. fax or messenger) - if incorporated
Searity Procedure Agreement to Tetephoneifax issuance of Payment Orders or Request for
Irdernational Des a led -if • r• t• t. t • cil l' - ...-:2/1,:s.s.-6'at.zto2:N:-. ....__Ie..2:c. -.7 a .., _ ...., no .
., ..,..i ± ,,Lajnzyff,..?.,...t,
Limited Laity Company Letter and Security Agreement
Business/Trade License foment)
Operating Agreement
Articles or Organization or Cogitate of Formation (non-bank form-if No PLC is a 'noel PLC
Certificate of Existence
Secures Procedure Agreement fix TelaPhaegFez Issuance of Payment Orders or Request ter
International Crafts@ requested) - if unincorporated
Lirneed Lability Company Contains Corporate Mamba/Manager (If applicateet
Limited !Silty Compeny Contains Limited Liability Company as a Memberftrianager (A
applicable)
Limited Liabity Company Contains United Liability Pannell* as a Membegmaraler (4
appicabk)
-Limited Stiffly Company Contains Partnership as a Member/Manager (4 appicable)
bonded Liability Company Contains Trust as a Membentrianager (4 applicable)
Urnted Liability Company Unincornorated Association as a Memberitrianager (if applicable)
Untied Liability Company Contains Joel Venture as a Wernberglareger (4 applicable)
'lllg .A. 'iJ:i;:"..riii-f ill 'ail.9",4itL_T' `:i?J T il, iallii..4.?2,- -.1fUi lij:--IiZaiteW- j.;:kiift;15S-. :-el' —
Corporate Resolution
Certificate of Inarporabon cc Corti:Med Qualification Of a U.S. beam corporation)
Articles of Inwporation (stamped by the Office of We Lieutenant Governor)
BusnessrTrade License (cumin!)
Corporate Resolution and Corporate Authorization and Indemnity Agreement for
TelephonelletedFacsimile/Wertten Instructions. (This document is only required it
client requests fund transfers by phone, fax or messenger)
Limited Getty Company Letter a Secunty Agreement
Business/Trade License (current) Th\iPt
of Trade Name (it apaioabb) 1\A
Operating Agreement
Miles of Organization or Certificate of Formation (non-tank forninaquIred if the LLC is a -nevi
LLCI V
V
Certificate of Existence
Security Procedure Agreement br Telephone/Fax Issuance of Payment Orden or Request la i
International Drat Of requested)
Limited Natty Company °miens Corporate 1A3mberNenager (4 appicabb)
Ignited LIMAN Company Contains Limited Liability Company as a Iriembereranager (i
applicable)
limited liability Company Contains Limited Liability Periwig* as a thembenlitanager (if
applicable)
Unuted Liabiity Company Contains Partnership as a Membedmarteger Of applicable)
Limited Lea* Company Contains TWA as a iriemberrilrianager al apple-able)
United led* Company Cedars Urincorocrated Associate) as (I1
applicable)
United Liability Company Contains Joint Venture as a MerntienManager (4 applicable)
•
c —2: ''. , .4 i c...,-..- tr- .. ":::?&4(c:ti, ''_;<1. /,. ...;;' ji r.iej
Lilted Liability Partnership Letter and Security Agreement
Certificate of Lirrited Partnership (Limited Partnership) — Not required when opening accounts for
law firms or security brokerage houses
Certificate a Existence
8usinesslTrade License (current)
Operating AgreemeN
Statement of Quartet° or Statement of Foreign Qualification
Certificate of Trade Name (if amicable) NTIAL SONV.Stieftalr ano
Secunti Procedure Agreement kr TelepbonelFax ts ce
C curincArm Al I. rst ankPRO00952
EFTA_00 24439
EFTA01269599

tvs:nass entibos.
c•ilt :: . % --'cy'lriterest erailivinilS Trust Accounts IOLTA - USLI only ar
IOLTA A xount Notice of Frencel u :n
PILAF Account Notice of Fenorciai !nstluticti
Business License (current)
Cent/tale of Trade Rare PI applicable)
Refer to the Account gamic Procodues ler additional documents requ rod tr Cetera* types cr
business entities.
A bgal document(s) El *filch It Mates the none of the peace acting asadathisayilor.
NW executor of and estabishes *Aar althorns
If the PAC is an Unincorporated Association, then a letter signed by the posiient of be
associatbn stating the &sex:lobe purpose and an Unincorporated Association Resolution is
mired.
II the PAC Isabel for Profit Corporation, a Certificate of Ireociperation for a Nceithodc
Corporation s required.
A certification from the Virgin bards Board of Becton,
Check 0 it le obtained or
Additional Documents (supporting documents) Remarks
WAR not applicable
Income Verification
Prolamine'sl association d" y
Marketing brochures, business Web site and ober market media
She Photo, Utes invokes (Mater, electritity, telephone)
Sample of entity stationery (presentation card. letter head paper, envelopes...)
Other:
Other:
Other:
Other:
Other:
Othe
omr
CONFIDENTIAL SO NY_GM_0001 3790
CONFIDENTIAL FirstBankPR000953
EFTA_00 1 24433
EFTA01269600

•
First Bank Checklist for Special Partnership Account
(For profit and not-for-profit)
Together we are one
Branch Number Account Num
Initials and Review Date
Document Action Comments I" Reviewer ri Rexityfc
,,, --:Datc: 14/ .V:_2. Daica..nk
Basic documents for ALL types of accounts
Customer Due Diligence Commercial/Entities
I Account file Complete for business entity.
NNNS-I307
Customer Due Diligence Authorized Signatures
I Account file One per each signer
NNNS-I 306 4 C
Account Referral Sheet Only when the client is not
I Account file
NNNS. 1272 present ,fa.-,
Observation at Place of Business (OP13)
I Account file
NNNS-246q
Partnership Bylaws or Articles of Incorporation E Account file C4
Partnership, LLC, LLP Security Agreement e
NNNS-2 198-04 IOR or NT:NS-2'99-0802 I Account file
NNNS•22004802 or NTNNS-2.201-0604R -r
ID Verification Results Summary BD CHECK .@
OFAC) or evidence of the verification used in I Account file One per entity and one per 11
each signer. if applicable .4.„ /q. c\\E
contingency.
One per entity and one per
CIIEXSYSTEM Report Result I Account file
each signer. if applicable Al ie ()4W\
Business License E Account file Photocopy of original „, 74,4. i\\Ci
document
Applies to candidates for
government elective
Territorial Election Commission Certification E Account file n P,
positions. Photocopy of
original document. ti lts
Cardholder one
Digitalize for checking
Signature cards hi alphabetical and one
numerical accounts ?If,' ( ii---'
Deposit Account Agreement
NNNS-2092-0508R USVI I' Provide to client
NNNS-2377- I 104 BVI X (3- ---
Additional documents forCHECKING ACCOUNTS
Rates and Fees Schedule Disclosure ..4 _,
NNNS-2091-1006R USVI I Provide to client
ilk
NNNS-2132.1206 MI
, .-.Additional documents for CERTIFICATES OF DEP,O SIT
.,:: :•i,e., -,. '44;i4H.cw ,%,
Certificate of Deposit Agreement M Onc for file and one
a
NNNS-0958 for client '11
A/774
Only if there was a special
I Account file
Evidence of Negotiated Interest Rate, if applicable quote.
legend. P - Purchasing M - Mosaic I - Intranet E External Is) Spanish e) English
NNNS-2539-061lFt
CONFIDENTIAL SDNY_GM_0001379t
CONFIDENTIAL
FirstBankPR000954
EFIA_00124434
EFTA01269601

Account Type: Account Number: Sign. Req. Date:
Commercial Checking I
14/56
3
Address: 6100 Red Hook, QTR Tel: 340.775.2 / 25'
St. Thomas, VI. 00802
Name: LSJE, LLC EIN:
Name:1 nne Brennan SSN:
/7
7 ID Type: UsrPote.Wolist
4--- LA --a-,AAti.. tant-A-a-
No:
Name: SSN:
ID Type:
No:
Name: SSN:
ID Type:
No:
Me hereby acknowledge having restved prepared by:
the Depodt Account Agreement, the First
Flancccp Information Sharing and Privacy Authorized b
Policy. and the product rates and roes. jr\
NA 101E 7/2002
NNS-000I
Superseding-current-Reason
Date.a. Jodie
Insmuctions for comoktion
Please print this form 3 times and complete in triplicate in blue or black ink.
Please insert the name of the company or the account title under account name.
Please print the name of each authorized signatory to the account together with a sample
of their signature in each field under name. If there are more than four signatories please
use additional signature cards as necessary.
The Bank will complete the remaining fields.
'Important* Please provide each signature card in triplicate with the original signatures (no photocopies).
FirnBcmk is a subsidiary of Fint &mow (NYSE: PBP
CONFIDENTIAL SDNY_GM_0001 3792
CONFIDENTIAL FirstBankPR000955
EFTA 00124435
EFTA01269602

Account Type: Account Number: Sign. Req. Date:
Commercial Checking 1
5/N i3
Address: 6100 Red Hook, QTR B3 Tel: 340-775-2525
St. Thomas, VI. 00802
Name: LSJE, LLC EIN:
Name: H?ry Beller SSN:
ID T
eiA--
No: ,
Name: SSN:
ID Type:
No:
Name: SSN:
ID Type:
No:
VWe hereby achnowledir having received prepared by:
the Deposit Account Agreement, the First
Authorized by
Bancorp Information Sharing and privacy
Policy, and the product rates and fees. -...1:
NA 101E 7/2002
NNS-0001
Superseding-Current-Reason
G
Date.
instructions for completion
Please print this form 3 times and complete in triplicate in blue or black ink.
Please insert the name of the company or the account title under account name.
Please print the name of each authorized signatory to the account together with a sample
of their signature in each field under name. If there are more than four signatories please
use additional signature cards as necessary.
The Bank will complete the remaining fields.
°Important* Please provide each signature card in triplicate with the original signatures (no photocopies).
Piratical& is a subsidiary ofF ira Bancorp (1s1M: FBP
CONFIDENTIAL SDNY_GM_00013793
CONFIDENTIAL FirstBankPR000956
EFTA_00124436
EFTA01269603

Account Type: Account Number: Sign. Req. Date:
Commercial Checking
I q 31 13
Address: 6100 Red Hook, QTR B3 Tel: 340-775-252
St. Thomas, VI. 00802
Name: LSJE, LLC
Name: J ern __
Name:
\--__--------2
ID Type:
No:
Name: SSN:
ID Type:
No:
we
hereby seknewisd8e having ^leaved Prepared by:
the Deposit Account Agreement, the Fun
Bancorp Information Sharing and Privacy Authorized b ,--•
Policy, and the product rates and fees. -4
NA 101E7/2002
NNS-0001 Superseding-Current-Reason
Date: Initial:
Illgrlictions for completion
Please print this form 3 times and complete in triplicate in blue or black ink.
Please insert the name of the company or the account title under account name.
Please print the name of each authorized signatory to the account together with a sample
of their signature in each field under name. If there are mom than four signatories please
use additional signature cards as neeessady.
The Rank will complete the remaining fields.
important* Please provide each signature card in triplicate with the original signatures (no photocopies).
First:lank is a subsidiary ofArst Bartcotp (NYSE: FBP
CONFIDENTIAL SDNY_GM_000 13794
CONFIDENTIAL FirstBankPR000957
EFTA_00124437
EFTA01269604

Account Type: Account Number: Sign. Req. Date:
Commercial Checking 1 .5 13 0
Address: 6100 Red Hook, QTR B3 Tel: 340-775-2525
St. Thomas, VI. 00802
Name: LSJE, LLC
me: Darren Indyke
Name: SSN:
ID Type:
No:
Name: SSN:
ID Type:
No:
I/We hereby acknowkdge having received Prepared b e *a
the Deposit Account Agroanent, the Fins
Bana'ap Information Sharing and Privacy Authorized ijgr
Policy. and the product rates and fees.
NA 101E7."2002
NNS-0001
Superseding-Current-Reason
Date Initial
Instructions for completion
Please print this form 3 times and complete in triplicate in blue or black ink.
Please insert the name of the company or the account title under account name.
Please print the name of each authorized signatory to the account together with a sample
of their signature in each field under name. If there arc more than four signatories please
use additional signature cards as necessary.
The Bank will complete the remaining fields.
•Important• Please provide each signature card in triplicate with the original signatures (no photocopies).
Fir:Rank u a subsidiarycfFmt &tramp (NYSE: FBP
CONFIDENTIAL SDNY_GM_0001 3795
CONFIDENTIAL FirstBankPR000958
EFTA 0(1124438
EFTA01269605

1 First Bank Customer Due DtivJence for Business - Entities
Existing Account Number
7322001709
1. Client Information
Business or Entity name: EmployerIdentification or Social Security Number
LSJ Employees LLC
Operating_Account
DdA Name (If applicable): Social Security Number (It applicable):
..)
Physical Address: Mailing Address:
Little Saint James Island 6100 Red Hook Quarters B3
St. Thomas. USVI 00802 St. Thomas, USVI 00802
Business Phone: (340)775-2525 Fax: Emelt
9
Type of Business: Household NAICS: 4)2 t 4 Annual Sales: N/A
,O 1‘
Date Established: --7 - - c .:\ 1 Number of Employees: 10 Number of Offices: 0
O O Corporation O Nonprofit Corporation O Partnership
O Government Agency O Unincorporated Association or Entity 0 Limited Liability Company
Type of Entity
O Other
3. Type Of Product
, O Certificate of Deposit 0 Checking q Saving O Loan 00ther, specify
4 Account Pur
O Payroll 0 Operational O Trust O Pubic Funds O ATM Machias) O Escrow q Transfer Funds
O
Corresponsal O Investment O Other
5. Expected Transactions
Monthly Transactions
Dansni Ions a 1 -10 O 11 - 29 O 21 or more.
Total Amount 0 $1 - $5,000 0 $5.001 - $25,000 O $25,001 o more.
Credits O Cash O Payrol O Account Transfers O ACH O Checks q POS
Transaction Mope
O Electronic Transfers O Other.
Transactions O 1 -10 0 11 • 20 O 21 or more.
Total Amount $1 -$5,000 0 $soel - sxs,00e 0 $25901 o
Debits O 0 O
0 Cash O Payroll Account Transfers ACH Checks
Transaction Type
O Electronic Transfers O Other.
0
International Transactions - Wire Transfers
O
Q Incoming Transfers Outgoing Treaters
• Daily O Weekly 0 Monthly. O Daly E Weekly O Monthly.
Transactions 0 1 -10 • 11 -20 O 21 - 50 • 51 or more. Transactions O 1-10 O 11 - 20 • 21 -50 O 51 or more.
Total Amount O St - Sss.000 O mom .$500,000 • 3500.001 o more. TOM/ Amount O at - *25.000 O $25 001-$50900D OS500,0010 more.
Countries Countries
6. Initial Deposit and Origin of Furth,
Initial Deposit: 5.000.00 Wain of Funds:
If the initial deposit is greater than $500.000: Indicate the source of wealth:
7. Client Classification
• if the 00SWOOS yes to et least one of the Worm,. the cliental, be tendered high risk and further scion is needed as estethsh tin the Due Mena Cheeklisl-
Guidance ForM ails& orEnbties Conskiereel as Kph Risk.
. ti the am-merle 0. E. or F is yet then aothorizaeon from the Compfisnce DePirlmenf- RSA Deis& is Weed Yes E No l
A. Is the NAICS selected high risk? O
B. Does the business have a private ATM machine on site?
C. Is the business a nonprofit organization?
D. Is the business a political committee or organization?
E. Is the business related to an officer of a foreign government? Indicate the type of relationship:
DNY_GM_00013
F. Is the business e a in activities rolat
CONFIDENTIAL FirstBankPR000959
EFTA_00124439
EFTA01269606

Customer Due Diligehce For Additional
Bank
Signers on Individual Accounts or Authorized
Signatures on Business Entities Accounts
- Existing Account Number Account Number which is attached to the Signer
1. Authorized Signer Information
Name: HARRY Initial: I Last Name: belier
Date of Birth: Place of Birth: NEW YORK Social Security:
Citizenship: US Nome Phone: 212-750-1176 Other: N/A
Physical Address: Mailing Address:
61 o q
12 GOLAR DRIVE RED HOOK QUARTER B3
MONSEY, NY 10952 ST. THOMAS. VI 00802
Plan of Employment HBRK ASSOCIATES Employment Address:
Occupation: ACCOUNTANT 301 EAST 66Th STREET, STE 10F
Work Phone: 614-862-4814 NEW YORK. NY 10065
Email:
Relation Account Title: ACCOUNTANT
ID Type Numbs.
1st I D/LICENSE
2nd US PPT
Recurrent Source: O Own Business El Private O Government O Other, specify:
Annual Income: El $0.01 - $50.001 q $50,00t - $150,000 O $150.001- $250.000 O Over 5250000
3. Client Classification
. If the answers ws for A and C of Me • quesfions. Me cash aiaDe considered high rsk aMfutheradim s needed as esfMitjshin du Due Ottgente
ChecintstGuidence For individuals or Entities Considered as IVA Risk
• If the answer lo C is yes, Mel euMorizefion kali The Camphoric° Department-BSA Dimon Is rebate°
A. Indicate whether the client is a nonresident (NAICS X100030)
B. Indicate whether the client is a resident alien: (NAICS #200000)
C Indicate whether the client is related to an officer of a foreign government and document the type of relationship.
(NAICS X400000)
4. Verification System- For use only as Contingency Plan if CHEXSYSTEM was called
Name of the Representative who attended your call: _
Response to Social Security: Year: State: Other:
Response on Industry Behavior:
Response on ID:
5. Account Opening Authorization
E
Approved Lj Denied
i h .141/
r)-
Name ." Signature Officer No
Comments. if applicable:
Interviewed by
LEONA MALONE 1/2312012
Name Stristure Deb
5NNS-f 305-1t it
CONFIDENTIAL SO NY_GM_0001 3797
CONFIDENTIAL FirstBankPRO00960
EFTA 00124440
EFTA01269607

Customer Due Diligence For Additional
First Bank
Signers on Individual Accounts or Authorized
Signatures on Business Entities Accounts
Existing Account Number Account Number which is attached to the Signer
1. Authorized Signer Information
Name: JEFFREY Initial: E Last Name: eps(eibi C `Ts1C k'1
Date of Birth: 1/20/1953 Place of Birth: NY Social Security:
Citizenship: US Home Phone: 340-775-8100 Other: N/A
Physical Address: Mailing Address:
LITTLE SAIINT JAMES ISLAND 6100 RED HOOK QUARTER 83
THOMAS, VI 00802 ST. THOMAS, VI 00802
- _
Place of Employment: FINANCIAL TRUST COMPANY, INC. Employment Address:
Occupation: FINANCIAL CONSULTANT 6100 RED HOOK QUARTER 83
Work Phone: 340-775-2525 ST. THOMAS, VI 00802
Email: jebrenn@attglobal.net
LA I.' \
Relation Account Title:
ID Typo Number Country Expiration (MMINVYYYY)
1st D/LICENSE USVI 01/20/2015
US 10/10/2012
2. Income
Recurrent Source: S Own Business O Private O Government O Other. specify:
I Annual Income: O $0.01 - $50.001 IZ $50,001 $150,000 O 5150001- 3250.000 O Over 5250.000
3. Client Classification
• II the answers yes lora and C of the foricraW9 queskons, the clientwife. considered high risk and Whet action is needed as establish in the Due atone?
Check -Guidance Fa Inottiduat or Entaies Considered as high Risk.
• lithe answer lo C is yes then eutorizatton from the Compliance DepaittnentaM Cahoon is reclined. Yes No
A. Indicate whether the client is a nonresident alien- (NAICS #100000)
B. Indicate whether the client is a resident alien: (NAICS #200000)
C. Indicate whether the client is related to an officer of a foreign government and document the type of relationship:
(NAICS #400000)
CHEXSYSTEM
4. Verification System- For use only as Contingency Plan if was called
Name of the Representative who attended your call:
Response to Social Security: Year: State: Other
Response on Industry Behavior:
Response on ID:
5. Account Opening Authorization
Wrred q Denied
Luton
Mum Officer No.
Comments. if applicable:
Interviewed by:
LEONA MALONE - .,--si-.. 01/23/2012
Name Sign/furs
NNNS-1306-1111
CONFIDENTIAL SDNY_GM_00013798
CONFIDENTIAL FirstBankPR000961
EFTA_OOI 2444 I
EFTA01269608

Customer Due Diligence For Additional
First Bank
Signers on Individual Accounts or Authorized
Signatures on Business Entities Accounts
Existing Account Number Account Number which is attached to the Signor
1. Authorized Signer Information
Name: DARREN Initial: K Last Name: indyke
Date of Birth: 2/19/1965 Place of Birth: NEW YORK Social Security:
Citizenship: US Home Phone: 852-485-6315 Other: 852-485-6315
Physical Address: Mailing Address:
2 KEAN CT 6100 RED HOOK QUARTER B3
LIVINGSTON, NJ 07039 ST. THOMAS, VI 00802
Place of Employment: HBRK ASSOCIATES Employment Address:
Occupation: ATTORNEY 301 EAST 66TH STREET 10E
Work Phone: 614.862-4817 NEW YORK. NY 10065
Email: dkiesq@aol.com
Relation Account Title: ATTORNEY
ID Type Number Country Expiration (AOSIDEATYYY)
-4-
1st D/LICENSE NJ 04/30/2014
2nd USPPT US 03/10/2012
Recurrent Source: O Own Business E) Private O Government O Other. specify:
Annual Income: O S0.01 - $50,001 O 550 001- $150.000 El 4150,001- 5250,000 O Over $250.000
3. Client Classification
• If the answers yes tot A and C of the fo tiowng questions, the dent WYE* high risk mid hither Wks is needed as establish In the Due Nakano?
Check/P-Guidance For Individuals or Enbins Considered as Mph Risk
• II the answer to Cis yet then authorization from the Carmine Departinent-B54 Oaten is AX/Uged. Yes No
A. Indicate whether the client is a nonresident alien: (NAICS #100000) O 0
B. Indicate whether the client is a resident alien: (NAICS #200000) El 0
C. Indicate whether the client is related to an officer of a foreign government and document the type of relationship: O 0
(NAICS #400000)
4. Verification System• For use only as Contingency Plan if CHEXSYSTEM was called
Name of the Representative who attended your call:
Response to Social Security: Year: State: Other:
Response on Industry Behavior:
Response on ID: _ _
5. Account Opening Authorization
Approved n Denied
(C
Iliackto Lr.
Officer Date
Comments, if applicable:
Interviewed by:
LEONA MALONE 1/23/2012
Mama Signature Date
NNNS-1308-1111
CONFIDENTIAL SDNY_GM_00013799
CONFIDENTIAL FirstBankPR000962
EFTA_00 24442
EFTA01269609

Customer Due Diligence For Additional
First Bank
Signers on Individual Accounts or Authorized
Signatures on Business Entities Accounts
Existing Account Number Account Number whkh is attached to the Signer
1. Authorized Signer Information
Name: JEANNE Initial: Last Name: brennan
Oats of Birth: 9/2/1960 Place of Birth: NY Social Security:
Citizenship: US Home Phone: 340-779-1736 Other: 340-8904494
Physical Address: Mailing Address:
6L CABRITA POINT 6501 RED HOOK PLAZA, STE 201
ST. THOMAS, VI 00802 ST. THOMAS,_ VI 00802
Place of Employment FINANCIAL. TRUST COMPANY, INC. Empleymont Address:
STE 201
Occupation: CPA 6100RECI HOOK PLAZA,
Work Phone: 340-775.2525 ST. THOMAS, VI 00802
Email: jebrennaattglobalmet
Relation Account Title: MANAGER
ID Type Number Country Expiration MINGISITYY)
1st
USPPT US 05/19/2018
2nd VOTERS ID VI WA
I23
RecurreM Source: O Own Business Private 0 Government 0 Other. sPociff _
Annual Income: 0 $0. 01 . $50.001 ID $50001 - $150.000 q $150.001. 5250.000 0 Over $250,000
3. Client Classification
• If the answer Cs yes lor A end C ot the Icatowing questions, the caertf ma be considered high risk and further action is needed as establish in the Due Davao°
Checklist-Guidance For Indulduaas ot Entities Consiared as High Risk
• If the answer to C is yes, then 8W:satiation from the Compeente Depertment-&SA Denton is required. Yos No
A. Indicate whether the client is a nonresident (NAICS #100000)
B. Indicate whether the client is a resident alien: (NAICS #200000)
O NI
C. Indicate whether the client is related to an officer of a foreign government and document the type of relationship.
(NAICS #400000)
4. Verification System- For use only as Contingency Plan if CHEXSYS TEM was called
Name of the Representative who attended your call:
Response to Social Security: Year: State: Other:
Response on Industry Behavior:
Response on ID:
5. Account Opening Authorization
Approved ]
gStd
Nam. -Jr'
Comments, if applicable:
Interviewed by:
LEONA MALONE 1/23/2012
Na na Signature Date
- —
s- 13061111
CONFIDENTIAL SONY_GM_00013800
CONFIDENTIAL FirstBankPR000963
EFTA_00124443
EFTA01269610

,,,,,
W-9 I
Request for Taxpayer
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number to weer.
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Under penalties oIperNiry. 1 certify that:
I. The number shown on this form Is my correct taxpayer Identification number (or I ern wiling for a number to be Issued to me), and
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General Instructions Definition of a U.S. person. For federal lax purposes, you aro
Section references are to the Internal Revenue Code unions constderod a U.S. person 0 you are:
otherwise noted. • An individual who Is n U.S. citizen or U.S. resident Sian,
Purpose of Form • A partnership, corporation, company, or association created or
organized in the United States or under the laws el the United
A person who Is required to file en Informadon urban with the Slates,
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1. Codify that the TIN you ere giving fs correct (or you aro a partner is a foreign parson, nod pay the willtholdng tax.
walling for a number to be Issued), Thereto's. If you are a U.S. person that Is a partner In a
2. Certify that you are not sublect to backup vAlltokling, or partnership conducting a trade or business In the United States,
ex 3 em . C p l t a p im ay e e x e e . m II p a ti p o p n li P ca o b rn le b , a yo ck u u a p re w a it l h s h o o c l e d r in ti g fy I in f g yo t u h a a t r o a s a a U .S. I s p n t r c a o o t v u m id s e e a . F n d or a m v o W id - 8 w i t t o h h th o e td p tn a g rt n o e n r y s o N u p r t s o h a e r s e ta o b f l i p s a h r y tn o e u r r s U hi . p S .
U.S. person, your ccable share of any partnersh'p Income from
a V.S. trade or busInoss Is not subloct to the withholding lax on The person who gives Form W-0 to the partnership for
foreign partners' share of efloctively connected Income. purposes of establishing Its U.S. *talus and avoiding withholding
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Substantially slather to this FormW-9.
• The U.S. owner of a disregarded entity end not the entity,
Cot. Na. lout% Form W-9 (aw. 10.2007)
CONFIDENTIAL SDNY_GM_00013801
CONFIDENTIAL FirstBankPR000964
EFTA2)012 4444
EFTA01269611

glimsDEPARTMENT OF THE TREASURY
gmmL REVENUE
CINCINNATI OH 45999-0023
Date of this notice: 12-09-2011
tification Number:
Form: SS-4
Number of this notice: CP 575 G
ISJ EMPLOYEES LLC
JEFFREY EPSTEIN SOLE MER
9100 HAVENSIGHT 15 16 For assistance you may call us at:
ST THOMAS, VI 00802 1-800-829-4933
IF YOU WRITE, ATTACH THE
STUB AT THE END OF THIS NOTICE.
WE ASSIGNED YOU AN EMPLOYER IDENTIFICATION NUMBER
Thank you for applying for an Employer Identification Number (BIN). We assigned you
EIN 66-0776615. This BIN will identify you, your business accounts, tax returns, and
documents, even if you have no employees. Please keep this notice in your permanent
records.
When filing tax documents, payments, and related correspondence, it is very important
that you use your BIN and complete name and address exactly as shown above. Any variation
may cause a delay in processing, result in incorrect information in your account, or even
cause you to be assigned more than one EIN. If the information is not correct as shown
above, please make the correction using the attached tear off stub and return it to us.
A limited liability company (LLC) may file Form 8832, Entity Classification Election,
and elect to be classified as an association taxable as a corporation. If the LLC is
eligible to be treated as a corporation that meets certain tests and it will be electing S
corporation status, it must timely file Form 2553, Election by a Snail Business
Corporation. The LLC will be treated as a corporation as of the effective date of the S
corporation election and does not need to file Form 8832.
To obtain tax forms and publications, including those referenced in this notice,
visit our web site at www.irs.gov. If you do not have access to the Internet, call
1-800-829-3676 (TTY/TDD 1-800-829-4059) or visit your local IRS office.
IMPORTANT RECDIDERS:
• Keep a copy of this notice in your permanent records. This notice is issued only
one time and the IRS will not be able to generate a duplicate copy for you.
• Use this EIN and your name exactly as they appear at the top of this notice on all
your federal tax forms.
* Refer to this EIN on your tax-related correspondence and documents.
If you have questions about your BIN, you can call us at the phone number or write to
us at the address shown at the top of this notice. If you write, please tear off the stub
at the bottom of this notice and send it along with your letter. If you do not need to
write us, do not complete and return the stub. Thank you for your cooperation.
CONFIDENTIAL SDNY_GM_000i3802
CONFIDENTIAL FirstBankPR000965
EFTA (H) 124445
EFTA01269612

(IRS USE ONLY) 575G 12-09-2011 LSJE 0 9999999999 SS-4
Keep this part for your records. CP 575 G (Rev. 7-2007)
Return this part with any correspondence
so we may identify your account. Please CP 575 G
correct any errors in your name or address.
9999999999
Your Telephone Number Best Time to Call DATE OF THIS NOTICE: 12-09-2011
EMPLOYER DDENTIFICATICN NUMBER:
FORM: SS-4 NOBOD
INTERNAL REVENUE SERVICE LSJ EMPLOYEES LLC
CINCINNATI OH 45999-0023 JEFFREY EPSTEIN SOLE MBR
9100 HAVENSIGHT 15 16
ST THOMAS, VI 00802
CONFIDENTIAL SDNY_GM_00013803
CONFIDENTIAL FirstBankPR000966
EFTA (()124446
EFTA01269613

First Bank
1 • - Limited Liability Company
Letter and Security Agreement
Virgin Islands
Date 12/1212011
We the undersigned Members, Managers, or Officers of LSJ Employees LLC
("Company') located at Little Saint James Islands SL Thomas
HEREBY CERTIFY that Company, a Limited Liability Company formed pursuant to U.S.Virgin Islands
(Stale Infonuaten)
is composed of the following Members: Jeffrey Epstein
and the Mowing Manager or Officer(s): Jeanne Brennan
On** Name of Manager or Nerns(') cc Tille(s) of Officer(s))
To induce you in your discretion to act and rely hereon and on the signature of any of the designated present or future Managers, Members, Officers,
employees or agents of Company ('Authorized Person(s)1, we agree and certify on behalf of Company as follows:
1. FrstBank ('Bank') is hereby designated as depository of Company, and any Authorized Person is authorized to deposit or designate for
deposit any funds of Company in Bank at any of its branches. Bank may at any time refuse to accept and/or may return by ordinary mail or
otherwise the whole or any part of a deposit.
Jeffrey Epstein, Member Darren lndyke, Altomey Jeanne Brennan, Manager Harry
2. The following duty appointed Authorized Person(s) Beller, Accountant
signing Singly
(For purposes of signirg gems. indizale e.g., sigly, any two, etc.)
and their successors are hereby authorized to sign, by hand or by facsimile (including, but not limited to, computer generated) signature(s).
checks, drafts, acceptances and other Instruments (hereinafter each collectively referred to as "Item(s)"). Notwithstanding the above, any
Authorized Person is authorized singly to: (1) initiate Automated Clearing House ('ACHP) debits without a signature; (2) initiate payments by
use of Depository Transfer Checks ('DTC') without a signature other than the name of Company printed on the DIG; or (3) give Instructions,
by means other than the signing of an item, with respect to any account transaction, including, but not limited to the payment, transfer or
withdrawal of funds by wie, computer or other electronic means, or otherwise, or of money, credits, items or property at any time held by Bank
for account of Company ("Instructions").
3. Bank is hereby authorized to honor and pay Items, whether signed by hand or by facsimile (including, but not imited to, computer generated)
signature(s). In the case of facsimile signatures, Bank is authorized to pay any Item if the signature, regardless of how or by whom affixed,
and whether or not the form of signature used on such Item was actually prepared by or for Company, resembles the specimens filed with
Bank by Company. Bank is further authorized to honor and pay DTCs, ACHs, Instructions, and other orders given singly by any Authorized
Person, including such as may bring about or increase an overdraft and such as may be payable to or for the benefit of any Authorized Person
or other Manager or Member or employee individually, without inquiry as to the circumstances of the issuance or the disposition of the
proceeds thereof and without limit as to amount
4. Bank is hereby authorized to accept for deposit, for credit, or for collection, or otherwise, Items endorsed by any person or by stamp or other
impression in the name or account number of Company without inquiry as to the circumstances of the endorsement or any lack of
endorsement or the disposition of the proceeds.
5. The following Authorized Persons Jeffrey Epstein, Member
(imitate by rare those authorized to effect Loam, Advances, et)
of Company, signing Singly
(Indicite how nstfe, et are to be signed. e.g. *eh% any two. et.)
are hereby authorized to effect loans and advances and obtain credit at any time for Company from Bank (and guarantee on behalf of
Company the obligations of others to Bank), secured or unsecured, and for such loans and advances and credit and guarantees to make,
execute and deliver promissory notes and other written obligations or evidence of indebtedness of Company, applications for letters of credit,
instruments of guarantee an ' indemnity and any agreements or undertakings, general or specific, with respect to any of the foregoing, and as
security for the payment of loans, advances, indebtedness, guarantees and liabilities of, or credit given to, Company or others to pledge,
hypothecate, mortgage, assign, transfer, grant liens and security interests in, give rights with respect to, endorse and deliver property of any
description, real or personal, and any ' 1s91c. lyivrd by cansampantionsatesoortgages.
deeds of trust, security agreements, f ttomey and other agreements or instruments
0c r
CONFIDENTIAL FirstBankPR000967
EFTA_DOI 244.47
EFTA01269614

another or others and now or hereafte----ng to or acquired in any manner by Bank, whetherceotracted by Company alone or jointly and/or
severally with another or others, absolute or contingent, secured or unsecured, matured or unmatured (all of which are hereafter collectively
called 'Obligations') upon any and all moneys, securities and any and all other property of Company and the proceeds thereof, now or
hereafter actually or constructively held or received by cr in transit in any manner to or from Bank, its correspondents or agents from or for
Company, whether for safekeeping, custody, pledge, transmission, collection or otherwise coming into the possession of Bank In any way.
8. In case of conflicting claims or disputes, or doubt on Bank's part as to the validity, extent, modification, revocation or exercise of any of the
authorities herein contained, Bank may, but need not recognize nor give any effect to any notice from any Manager or Member of Company, or
from any other person purporting to cancel, restrict or change any of said authorities, or the exercise thereof, unless Bank is required to do so
by the judgment, decree or order of a court having jurisdiction of the subject matter and of the parties to such conflicting claims or disputes.
9. Company agrees to be bound by the Terms and Conditions for Business Accounts and Services, currently in effect and as amended hereafter,
as wel as any signature card, deposit ticket, checkbook, passbook, statement of account, receipt. instrument, document or other agreements,
such as, but not limited to, funds transfer agreements, delivered or made available to Company from Bank and by all notices posted at the
office of Bank at which the account of Company is maintained, in each case with the same effect as if each and every term thereof were set
forth in full herein and made a part hereof.
10. Subject to paragraph 10 above, all the foregoing authorities shall remain r full force and effect until revoked or limited by written notice to Bank
provided that such notice shall not be effective with respect to any revocation or modification of said authorities until Bank shall have had a
reasonable opportunity to act thereon and in no event prior to the receipt or the payment of money or the withdrawal of funds dated on or prior
to the date of such notice, but presented to Bank after receipt of such notice and Bank is hereby authorized at all times to rely upon the last
notice, certification or communication received by it as to the persons who from time to time may be signatories of Company, or as to their
respective specimen signatures and/or as to any other Company matters, and Bank shall be held harmless in such reliance.
11. The Managers, Members, and Officers of Company, or any one or more of them are hereby authorized to act for Company in all other matters
and transactions relating to any of its business with Bank including, but not limited to, the execution and delivery of any agreements or
contracts necessary to effect the foregoing Resolutions.
12. Company hereby represents and warrants that none of the authorities herein contained are contrary to cr inconsistent with any other
agreements among Members of Company, or between Company and other parties.
13. Bank is hereby released from any liability and shall be indemnified against any loss, liability or expense arising from honoring this Agreement.
14. The signature(s) below is/are the signature(s) of the Manager(s), if Company is manager-managed, the signature(s) of the Member(s) if
Company is member-managed, or the signature(s) of the Officer(s) if Company is governed by a board of directors.
NOTE: In case the Manager, Member, or Officer is authorized Very truly yours,
to sign by the above provisions, this Agreement should be
signed by a second Manager, Member, of Officer. LSJ Employees LLC
Name or Caveny
Little Saint James Island St. Thomas USVI
Address
By. Jeffrey Eps
Tie: SOW rkt e_inAio-er
(Manager Mot% or Cdclai Tie)
4
By. Jeanne Brennan C-4-7C-0-dee..
Tide: Manager
(Manager. Member. or Olficel Tie)
CONFIDENTIAL SO NY_GM_0001 3805
CONFIDENTIAL FirstBankPR000968
EFTA_00124448
EFTA01269615

Bank Limited Liability Company
Authorization and Indemnity Agreement For
Virgin Islands Telephone/Telex/Facsimile/Written Instructions
1. Authorization. The undersigned hereby requests and authorizes FirstBank (the "Bank") to accept and act upon any instructions
(Instructions') delivered by telephone or telex or 'mitten or facsimile transmission given or purportedly given by a person or persons
authorized to transact business with the Bank as shown on the resolution or other evidence or advice of authority from time to time
maintained in the records of the Bank.
2. No Liability of Bank The undersigned accepts the risk that instructions may be given by an unauthorized person and agrees that the
Bank will have no liability or responsibility for acting in accordance with any Instructions, whether or not genuine or duly authorized.
The Bank shall have no liability or responsibility for any misunderstandings arising out of any telephone Instructions.
3. Security Procedures. The security procedure agreed upon for verifying the authenticity of Instructions Ls a call back to any of the
following individuals, whether or not such individual has initiated any such transfer. (The Bank recommends that the persons designated
below should not be persons who generally issue Instructions. Whenever possible, the Bank will endeavor to call someone other than
the issuer of the instructions.)
Telephone Number
Name and Title
(Include country/Arca Cock)
J
r nnn e_ nth 6/1 „,„?A/O - 7 75-
Plara r
AC
go rt.? deg-. I lae.t0 i/11O/11 b 94- Ra 7
tr'
Alternatively, at the Bank's option, the call back may be made to any person designated on the signature cards or any other account
documentation on file with the Bank for the undersigned's accounts as authorized to issue Instructions or otherwise transact business
on such account.
In addition to call back, the parties agree that for Instructions received by facsimile transmission, or in writing, the Bank will determine
whether the Instructions purport to bear the signature of any individual who is designated on the current signature cards or other account
documentation on file with the Bank for the undersigned's account(s) as authorized to issue Instructions or otherwise transact business on
such accounts.
The security procedures and other terms specified in this Agreement also apply to amendments and cancellations of Instructions. It is
understood that these security procedures are designed to verify the authenticity, and not the correctness, of Instructions.
The Bank may, at its option, record (electronically or otherwise) any call back made pursuant to this Agreement, any Instructions or
other instructions given by telephone and any other telephone discussions relating to Insbuctions.
The undersigned agrees that its rights and duties and those of the Bank hereunder shall be governed by the terms of the Bank's Account
Terms and Conditions (as may be amended from time to time) applicable to the undersigned's accounts at the Bank The undersigned
agrees that the security procedures set forth herein constitute a commercially reasonable method of providing security against unauthorized
Instructions. The undersigned agrees to be bound by any Instruction, whether or not authorized, issued in the undersigned's name and
accepted by the Bank in compliance with the security procedure set forth herein and the undersigned agrees to indemnify and hold the Bank
harmless from any loss suffered or liability incurred by the Bank in, or arising from the Bank's exectiion of Instructions believed by the Bank
in good faith to have been given (or signed in the case of any facsimile transmission) by a person authorized as provided above, provided
the Bank has complied with such security procedure.
4. Bank May Decline to Act. It is understood that the Bank shall have no obligation to execute any instruction unless and until such
Instruction is verified in accordance with the security procedures set forth herein, and the undersigned will indemnify and hold the Bank
harmless from any loss suffered or liabilty incurred by the Bank in refraining from processing an Instruction after all reasonable efforts to
verify such Instruction in accordance with this agreement have failed or in delaying the execution of an Instruction until such verification
is obtained. Upon notice to the undersigned, the Bank may also, at its option, refuse to execute any Instruction or part thereof for any
other reason without incurring any responsibility for any toss, liability or expense arising out of such refusal.
5. Indemnity The undersigned agrees to indemnify the Bank, it's affiliates, subsidiaries and their directors, officers, representatives
and agents on demand for all losses, claims, damages or expenses (including legal fees and disbursements) which it or any of
them may suffer or incur in connection with this Agreement, including, but not limited to, acting or refusing to act on any Telephone
or Telex or Facsimile or Written Instruction, whether or not genuine or duly authorized.
6. Our continued issuance of Transfer I • s ell ukrinAerof this lettetictsitpezifraiganstitute
our agreement to the security pro
CONFIDENTIAL FirstBankPR000969
EFTA_0012 4449
EFTA01269616

Limited Liability Company
'First Bank
Resolutions For Telephone/
Virgin Islands Telex/Facsimile/Written Instructions
We the undersigned Members, Managers, or Officers of
LSJ Employees LLC
A company duly organized and existing under the laws
of U.S. Virgin Islands
Held at American Yacht Harbor , St. Thomas on the 12 day of December , 20 11 .
IT WAS RESOLVED
1. That the company issue in favor of FirstBank (the "Bank") a Limited Liability Company Authorization and Indemnity
Agreement For Telephone/Tetex/FacsimileNVritten Instructions in the form required by the Bank, a copy of such form
having been presented to and approved by the Members, Managers, or Officers.
2. That Jeanne Brennan, Manager q d / Jeffrey Epstein, Member
(POI Nan* and Tale) (Print Name and Tale)
Of`
be authorized to execute the said Authorization and Indemnity Agreement in favor of the Bank.
IN WITNESS WHEREOF, I have hereunto set my hand as Member/Manager/Officer of the Limited Liability Company this
12 day of December , 20 11
9<aret.ert,....t
signature
Jeanne Brenner', Manager
Name and Me
'Select One
SDNY_GM_00013807
CONFIDENTIAL
CONFIDENTIAL FirstBankPR000970
EFTA 00121450
EFTA01269617

AFFIDAVIT RE NOT DOING BUSINESS
Jeanne Brennan being of lawful age and after having been duly sworn, state
that:
1. I am, and have been from the date of the filing of the Articles of
Organization, a copy of which is attached hereto, the Manager of LSJ
Employees, L.L.C. ("the Company").
2. I hereby confirm that the Company never did any business of any
kind from the date of the filing of the Articles of Organization
through the date of this statement and we further state that the
Company has no intention of doing any business in the foreseeable
future.
3. I hereby further confirm that the Company did not do business and
does not intend to do business because it is a holding company,
which was not and is not intended to be used for any type of
business other than to employ household employees.
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 facts herein stated.
IN WITNESS WHEREOF the parties have signed and sealed this agreement
7_i sr
this day of TD2c8,1}S , 2011
OST
SUBSCRIBED AND SWORN to me this day of ---Ni!Caitt3,t2. 2011
NOTARY PUBLIC
Name: Daphne Louise Wallace
My Commission Exp: January 6, 2014
NP Commission N NP-007-10
St.ThomasiSt. John. USVI District
SDNY_GM_00013808
CONFIDENTIAL
CONFIDENTIAL FirstBankPR000971
EFTA 00124451
EFTA01269618

OPERATING AGREEMENT
OF
LSJ EMPLOYEES, LLC
A U.S. Virgin Islands Limited Liability Company
THIS OPERATING AGREEMENT (this "Agreement') is made and entered into as of
December 2011 by Jeffrey E. Epstein (hereinafter referred to as "Sole Member"), with an
address at 6100 Red Hook Quarter, Suite B-3, St. Thomas, USVI 00802 and who hereby forms LSJ
EMPLOYEES, LLC, a U.S. Virgin Islands limited liability company (the "Company") pursuant to
the U.S. Virgin Islands Uniform Limited Liability Company Act (the "Act') upon the following
terms and conditions:
SECTION I
ORGANIZATION & FORMATION
A. Formation. The Company has been organized as a U.S. Virgin Islands limited liability
company under and pursuant to the U.S. Virgin Islands Limited Liability Company Act (the "Act")
by the filing of Articles of Organization ("Articles") with the Office of the Lieutenant Governor, on
October 27, 2011, as required by the Act.
B. Name. The name of the Company shall be "LSJ EMPLOYEES, LLC". The Company
upon proper notice and filing with the Office of the Lieutenant Governor of the US. Virgin Islands
may conduct its business under one or more assumed names.
C. Purposes. The purpose of the Company is to engage in any lawful activity, operate any
lawful enterprise or to have any other lawfitl purpose perrnitted by the law of the territory of the
U.S. Virgin Islands. The Company shall have all the powers necessary or convenient to affect any
purpose for which it is formed, including all powers granted by the Act.
D. Duration. The Company shall continue in existence perpetually, beginning on the date
of filing of the Articles,.unless terminated by law or dissolved and terminated.
E. Registered Office and Resident Agent and Place of Business. The Registered Office and
Resident Agent of the Company for service of process within the tenitory shall be: Erika A.
Kellerhals, at 9100 Havensight, Port of Sale, Suite 15/16, St. Thomas, U.S. Virgin Islands 00802.
The Company's principal place of business is 6100 Red Hook Quarter, Suite B-3, St. Thomas U.S.
Virgin Islands 00802 or such other place or places as the Sole Member may hereafter determine.
1
CONFIDENTIAL SDNY_GM_00013809
CONFIDENTIAL FirstBankPR000972
EFTA_00 I 24452
EFTA01269619

SECTION II
CAPITAL STRUCTURE: MEMBERSHIP UNITS AND
CONTRIBUTIONS/TRANSFER QF MEMBERSHIP UNITS
A. Capital Contribution by the Sole Member. Initial Issuance. The Sole Member's
ownership rights in the Company shall be reflected in "Membership Units," as recorded in the
Company's records. Upon the formation of the Company, the Sole Member shall make a capital
contribution to the capital of the Company in the amount of cash, or of the property-in-kind, or both,
set forth opposite the Sole Member's name on the Schedule of Capital Contributions attached
hereto. The Company shall thereupon issue to the Sole Member that number and class of Units so
subscribed and contributed for. The Sole Member may make additional capital contributions at any
time and in any amount that it may desire.
B. Transfer of Membership Units. The Sole Member may transfer any or all of its
Membership Units to any person or persons, at any lime and from time to time. Subject to the
provisions of this Section, the Sole Member may assign its Membership Units in the Company in
whole or in part. The assignment of a Membership Unit does not itself entitle the assignee to
participate in the management and affairs of the Company or to become a member. Such
assignee is only entitled to receive, to the extent assigned, the distributions the assigning Sole
Member would otherwise be entitled to, and such assignee shall only become an assignee of a
Membership Unit and not a substituted member. An assignee of a Membership Unit shall be
admitted as a substitute member and shall be entitled to all the rights and powers of the assignor
only if all the members consent. If admitted, the substitute member, has to the extent assigned,
all of the rights and powers, and is subject to all of the restrictions and liabilities of the members.
Notwithstanding the foregoing, the Sole Member may, by a duly executed agreement, assign all
of its Membership Units together with the management and voting rights in the Company.
C. No Interest No Return of Capital. Capital contributions to the Company shall not
earn interest, except as otherwise expressly provided for in this Agreement. Except as otherwise
provided in this Agreement, the Sole Member shall not be entitled to withdraw, or to receive a
return of, a capital contribution or any portion thereof.
SECTION III
CAPITAL ACCOUNT
A. Capital Account. A capital account ("Capital Account") shall be maintained for the Sole
Member, and any additional member in accordance with the provision of this Article.
I. Increases in Capital Account. The Capital Account of the members shall be
increased by:
(a) The fair market value of the members' initial capital contribution and any
additional capital contributions by the members to the Company. If any property,
other than cash, is contributed to or distributed by the Company, the adjustments to
2
CONFIDENTIAL SDNY_GM_0001 3810
CONFIDENTIAL FirstBankPR000973
EFTA 00124453
EFTA01269620

Capital Accounts required by Treasury Regulation Section 1.704-1(b)(2)(ivXd), (e),
(f) and (g) and Section 1.704-I (b)(4)(1) shall be made.
(b) The members' share of the increase in the tax basis of Company property, if
any, arising out of the recapture of any tax credit.
(c) Allocations to the members of Profit.
(d) Company income or gain (including income and gain exempt from income
taxation) as provided under this Agreement, or otherwise by Regulation Section
1.704-1(bX2)(iv).
(e) The amount of Company liabilities that are assumed by the Sole Member.
2. Decreases in Capital Account. The Capital Account of the members shall be
decreased by:
(a) The amount of money distributed to the members by the Company pursuant
to any provision of this Agreement
(b) The fair market value of property distributed to the members by the
Company (net of liabilities secured by such distributed property that such members
are considered to assume or take subject to under Code Section 752).
(c) Allocations to the members of Losses.
(d) Allocations to the members of deductions, expenses, Nonrecourse
Deductions and net losses allocated to them pursuant to this Agreement, and the
members' share of Company expenditures which are neither deductible nor properly
chargeable to Capital Accounts under Code Section 705(a)(2)(B) or are treated as
such expenditures under Treasury Regulation Section 1.704-1(b)(2)(iv)(i).
"Nonrecourse Deductions" shall have the meaning set forth in Treasury Regulation
Section 1.704-2.
(e) The amount of any liabilities of the members that are assumed by the
Company.
SECTION IV
ALLOCATIONS AND DISTRIBUTIONS
A. Allocations. For purposes of maintaining the Sole Member's Capital Account, all of the
Company's net profits, net losses, expenses and other items of income, gain, loss, and credit shall be
allocated to the Sole Member. All items of Company taxable income, gain, loss, deduction, and
credit recognized or allowable for Federal income tax purposes shall be allocated and credited or
charged to the Sole Member.
3
CONFIDENTIAL SDNY_GM_0001 3811
CONFIDENTIAL FirstBankPR000974
EFTA_00124454
EFTA01269621

B. Distributions. Net cash flow shall be distributed in the following priority:
1. First, to the Sole Member in repayment of any advance of funds to the Company
as a lender, to the extent of and in proportion to such advances, including interest thereon, if
any;
2. Additional distributions, if any will be made to the Sole Member, in such
amounts and at such times as determined by the Sole Member.
C. Pistdbution upon Liquidation of the Company.
1. At the termination of the Company and after the Company has satisfied or
provided for the satisfaction of all the Company's debts and other obligations, the
Company's assets will be distributed in cash to the Sole Member and any dissociated
members whose Membership Units have not been previously redeemed first, in discharge of
their respective Capital Accounts; and then, in proportion to the Membership Units.
2. If the Company lacks sufficient assets to make the distributions described in the
foregoing paragraph, the Company will make distributions in proportion to the amount of
the respective Capital Accounts of the Sole Member and any dissociated members whose
interests have not been previously redeemed.
SECTION V
MANAGEMENT OF BUSINESS
A. In General. The Company shall be manager-managed. The initial Manager of the
Company shall be Jeanne Brennan. The Manager shall manage the business and affairs of the
Company and shall have full and complete authority, power and discretion to do all things
necessary or convenient to manage, control and carry out the business, affairs and properties of
the Company, to make all decisions regarding those matters and to perform any and all other acts
or activities customary or incident to the management of the Company's business.
B. Limitation of Manager's Authority. Notwithstanding the authority of the Manager,
the written consent of the Sole Member shall be required for the Manager to:
1. Sell, transfer, assign, convey, or otherwise dispose of any part of the Company's
assets;
2. Cause the Company to incur any debt in excess of $5,000, whether or not in the
ordinary course of business;
3. Cause the Company to incur any debt less than $5,000 other than in the ordinary
course of business;
4. Cause the Company to encumber any assets in connection with any debt referred to
in clause 2 or 3 above;
4
CONFIDENTIAL SDNY_GM_0001 3812
CONFIDENTIAL FirstBankPR000975
EFTA_001 24455
EFTA01269622

5. Issue, sell, transfer, assign, convey or otherwise dispose of any Membership Interest
in the Company;
6. Adopt, amend or repeal the Operating Agreement of the Company;
7. Appoint or fill the vacancy of the Manager,
8. Approve a plan of merger of the Company with any other entity;
9. Amend, alter, repeal, or take any action inconsistent with any resolution of the Sole
Member; and
10. Incur any single expense or combination of related expenses in excess of $5,000.
C. Voting of Membership Units. A Membership Unit is entitled to be voted only if it is
owned by a member and each such Membership Unit shall be entitled to one vote. Neither an
assignee nor a transferee may vote a Membership Unit unless such assignee or transferee is
admitted as a member.
SECTION VI
EXCULPATION OF LIABILITY: INDEMNIFICATION
A. Exculpation of Liability. Unless otherwise provided by law or expressly assumed
pursuant to a written instrument signed by such Person, neither the Sole Member nor the Manager
shall be personally liable for the acts, debts or liabilities of the Company.
B. Indemnification.
1. Except as otherwise provided in this Section, the Company, its receiver or its trustee
shall indemnify, defend and hold harmless the Sole Member and the Manager and their
respective heirs, personal representatives, and successors, and may indemnify, defend and hold
harmless any employee or agent, who was or is a party or is threatened to be made a party to a
threatened, pending or completed action, suit or proceeding, from and against any expense, loss,
damage or liability incurred or connected with, or any claim, suit, demand, loss, judgment,
liability, cost or expense, including, without limitation, reasonable attorney's fees, arising from or
related to, the Company or any act or omission of the Sole Member, the Manager or such
employee or agent on behalf of the Company, and amounts paid in settlement of any of the
above, provided that such amounts were not the result of fraud, gross negligence, or reckless or
intentional misconduct on the part of the Sole Member, the Manager or such employee or agent
against whom a claim is asserted. The Company may advance to the Sole Member, the Manager
or any such employee or agent and their respective heirs, personal representatives, and
successors the costs of defending any claim, suit or action against such Person if such Person
undertakes to repay the funds advanced, with interest, if the Person is not entitled to
indemnification under this Section.
2. To the extent that the Sole Member, the Manager, or any such employee or agent of the
Company has been successful on the merits or otherwise in defense of an action, suit or
proceeding or in defense of any claim, issue or other matter in the action, suit or proceeding,
such person shall be indemnified against actual and reasonable expenses, including, without
limitation, attorneys' fees, incurred by such person in connection with the action, suit or
5
CONFIDENTIAL SDNY_GM_0001 3813
CONFIDENTIAL FirstBankPR000976
EFTA_00124456
EFTA01269623

proceeding and any action, suit or proceeding brought to enforce the mandatory indemnification
provided herein.
3. Any indemnification permitted under this Section, unless ordered by a court, shall be
made by the Company only as authorized in the specific case upon a determination that the
indemnification is proper under the circumstances because the person to be indemnified has met
the applicable standard of conduct and upon an evaluation of the reasonableness of expenses and
amounts paid in settlement This determination and evaluation shall be made by the vote of the
majority of the Membership Units of the members who are not parties or threatened to be made
parties to the action, suit or proceeding. Notwithstanding the foregoing to the contrary, no
indemnification shall be provided to any Manager, employee or agent of the Company for or in
connection with the receipt of a financial benefit to which such person is not entitled, voting for
or assenting to a distribution to the members in violation of this Agreement or the Act, or a
knowing violation of law.
SECTION VII
LIQUIDATION
The Company shall be dissolved, and shall terminate and wind up its affairs, upon the
determination of the Sole Member to do so.
SECTION VIII
MISCELLANEOUS PROVISIONS
A. Section Heading. The Section headings and numbers contained in this Agreement have
been inserted only as a matter of convenience and for reference, and in no way shall be construed to
define, limit or describe the scope or intent of any provision of this Agreement.
B. Severability. The invalidity or unenforceability of any particular provision of this
Agreement shall not affect the other provisions hereof, and this Agreement shall be construed in all
respects as if such invalid or unenforceable provisions were omitted.
C. Amendment. This Agreement may be amended or revoked at any time, in writing, with
the consent of the Sole Member. No change or modification to this Agreement shall be valid unless
in writing and signed by the Sole Member.
D. Binding Effect. Subject to the provisions of this Agreement relating to transferability,
this Agreement will be binding upon and shall inure to the benefit of the parties, and their respective
distributees, heirs, successors and assigns.
E. Governing Law. Regardless of the place where this Agreement may be executed by the
Sole Member, the rights and obligations of the Sole Member, and any claims and disputes relating
thereto, shall be subject to and govemed by, and construed and enforced in accordance with the
laws of the Territory of the U.S. Virgin Islands.
6
CONFIDENTIAL SDNY_GM_0001 3814
CONFIDENTIAL FirstBankPR000977
EFTA_001 24457
EFTA01269624

IN WITNESS WHEREOF, the Sole Member makes and executes this Operating Agreement on
the day and year first written above.
7
CONFIDENTIAL SDNY_GM_0001 3815
CONFIDENTIAL FirstBankPR000978
EFTA_00124458
EFTA01269625

EXHIBIT A
MEMBER LISTING; CAPITAL CONTRIBUTIONS
Members Capital Contributed Membership Units Percentage Interest
JEFFREY E EPSTEIN $1000.00 100 100%
By: eicloker
JEFFREY E. EPSTEIN DATE
8
CONFIDENTIAL SDNY_GM_0001 3816
CONFIDENTIAL FirstBankPR000979
EFTA_00124459
EFTA01269626

ARTICLES OF ORGANIZATION DAM
OF COPED '
LSJ EMPLOYEES, LLC
I, the undersigned natural person of the age of eighteen years or more, acting as organizer of a
limited liability company under the Uniform Limited Liability Company Act, Chapter 15, Title
13, Virgin Islands Code ("Uniform Limited Liability Company Act"), do hereby adopt the
following Articles of Organization for such limited liability company:
ARTICLE ONE
NAME, ADDRESS AND PRINCIPAL OFFICE
Name and Address
1. The name and address of the limited liability company shall be LSJ EMPLOYEES, LW (the
"Company"), 9100 Havensight, Port of Sale, Suite 15-16, St. Thomas, U.S. Virgin Islands
00802. The physical address of the Company shall be 9100 Havensight, Port of Sale, Suite 15-
16, St. Thomas, U.S. Virgin Islands 00802.
Principal Office
2. The principal office and permanent address for the transaction of business:of the Company
shall be the address stated in Paragraph 1 of these Articles as the physical address of the
Company.
Resident Agent and Office
3. The mailing address of the Company's initial designated office is 9100 I Iavensight, Port of
Sale, Suite 15-16, St. Thomas, US. Virgin Islands 00802.
The physical address of the Company's designated office is 9100 Havensight, Port of Sale,
Suite 15-16, St. Thomas, U.S. Virgin Islands 00801
The name of its initial resident agent at such address is Kellerhals Ferguson LLP.
The business address of the resident agent and the physical address of the designated office
are identical.
ARTICLE TWO
PURPOSE
The purpose for which the Company is organized is to engage in any and all lawful business for
which a limited liability company may be organized under the Uniform Limited Liability
Company Act and the other laws of the U.S. Virgin Islands.
CONFIDENTIAL SDNY_GM_0001 3817
CONFIDENTIAL FirstBankPR000980
EFTA 00124460
EFTA01269627

DA
'4 st A
Consent of Agent for Service of Process COPY f-'1
- •
0
This writing witnesseth that the undersigned Kellerhals Ferguson .up having been
designated by LSJ Employees, LLC, as agent of the said company upon whom service of
process may be made in all suits arising against the said company in the Courts of the
Virgin Islands, do hereby consent to act as such agent and that service of process may be
made upon me in accordance with Title 13 of the Virgin Islands Code.
IN WI t WHEREOF, I have hereunto set my signature this 27th day of October,
2011.
rguson LLP
r
Erika A Kellerhals, Pa tner
bscribed and om to before me this 27th day of October, 2011.
lic in and the 7 enitOry of the United States Virgin Islands
m ion expires: Ct 'A
I
GINA MARIE BRYAN
NOTARY PUBLIC NP 069-09
COMMISSION EXPIRES 00/20/2013
AT THOMAS ST 1010,1 UPVI
CONFIDENTIAL SDNY_GM_0001 3818
CONFIDENTIAL FirstBankPR000981
EFTA_001 24461
EFTA01269628

Corp No. 581737
GOVERNMENT OF
THE VIRGIN ISLANDS OF THE UNITED STATES
— 0 —
CHARLOTTE AMALIE, ST. THOMAS, VI 00802
CERTIFICATE OF EXISTENCE
C
is
211 to Whoa then Snout% aka Cana)
I, GREGORY IL FRANCIS, Lieutenant Governor of the Virgin Islands do hereby certify that
I am, by virtue of the laws of the Virgin Islands, the custodian of the corporate records and the proper
officer to execute this certificate.
I further certify that the records of this office disclose that
LSJ EMPLOYEES, LLC
Limited Liability Company
was duly registered to conduct business in the Territory on October 27, 2011 and has a legal
existence as a Limited Liability Company so far as the records of this office show.
Witness my hand and the seal of the Government of the
Virgin Islands of the United States, at Charlotte Amalie, St.
Thomas, this 7th day of November, 2011.
GREGORY R. FRANCIS
Lieutenant Governor of the Virgin Islands
CONFIDENTIAL SDNY_GM_0001 3819
CONFIDENTIAL FirstBankPR000982
EFTA ((1124462
EFTA01269629

CERTIFICATION OF BENEFICIAL OWNER(S)
The information contained in this Certification Is sought pursuant to Section 1020.230 of Title 31o f
the United States Code ofF ederal Regulations (31 CFR 1020.230).
Account #
Person opening an account on behalf of a legal entity must provide the following information:
1. First Name and title of Natural Person Opening Account 2. Last Name 3. Middle initial
JEFFREY EPSTEIN E
4. Name and type of Legal Entity for Which the Account is Being Opened
LSJE, LLC
4a. Legal Entity Address 4b. City 4c. State 4d. ZIP/Postal Code
6100 Red Hook Quarter B3 St. Thomas USVI 00802
SECTION I
(re acid addhonali ndividuals. seepage 3)
Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement,
understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above.
Check here q If no individual meets this definition and complete Section II.
5. First Name 6. Last Name 7. M.I. 8. Date of Birth
Jeffrey Epstein E 01/20/1953
9. Address 10. City 11. State 12. ZIP/Postai Code
6100 Red Hook Quarter B3 St. Thomas USVI 00802
15. Identification Number (SSN, Passport Number°, other similar
14. SSN (U.S. Persons/ Non-U.S. Parsons)
13. Country i—denti ficatonnumbert
USA OM=
15a. State of Issuance: 15b. Country of issuance: 16. Ownership %
USA USA 100
NOT In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, en alien identification cad number, a number
and county or issuance cf any other government-issued document evidencing nationality or residence and beating a photograph or similar
safeguard.
SECTION II
Please provide the following information for an individual with significant responsibility for managing or directing the entity, including, an
executive officer or senior manager (e.g., Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member,
General Partner, President, Vice President. Treasurer); or My other individual who regularly performs similar functions.
17. First Name 18. Last Name 19. M I. 20. Date of Birth
Jeffrey Epstein E 01/20/1953
21. Address 22. City 23. State 24. ZIP/Postal Code
6100 Red Hook Quarter B3 St. Thomas USVI 00802
27. Identification (SSN, Passport Number °rather similar
28. SSN SSN (U.S. Persons/ Non-U.Sc Persons)
25. Country
USA
218. State of Issuance: 27b. Country of Issuance:
USA USA
NOTE: In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, an alien identification card number, or number
and county of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar
safeguard.
1, JEFFREY EPSTEIN name ofp erson opening aceouno, hereby certify, to the best of my knowledge, that the
information provided herein is true and correct.-## any of the above mentioned information changes I agree to proside the
financial institution written notification of such changes.
Signature: Date."
12-terJa 4
NNNG•1618-0418 SDNY_GMPQ00213820
CONFIDENTIAL
CONFIDENTIAL FirstBankPR000983
EFTA_00l 24463
EFTA01269630

Legal Entity Idetaifier(Optional):
NNNG•1618•14I8 CONFIDENTIAL SONY GM 100033831
CONFIDENTIAL FirstBankPR000984
EFTA_00 I 24464
EFTA01269631

Additional Section 1 - Second Beneficial Owner (If required)
Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement,
understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above.
5. First Name 6. Last Name 7. M,I. 8. Date of Birth
9. Address 10. City 11. State 12. ZIP/Postai Code
15. Identification Number (SSN, Passport Numbor of other sender
14. SSN (U.S. Persontimon-u.S. Persons)
13. Country identification number)
15a. State of Issuance: 15b. Country of Issuance: 16. Ownership %
NOTE: In lieu of a passport number. Non-U.S. Persons may also provide a Social Security Number, an siren identification card number, or number
and county of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar
safeguard.
Additional Section 1- Third Beneficial Owner Wrequired)
Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement,
understanding, relationship, or otherwise owns 20% or more of the equiy interests of the legal entity listed above.
5. First Name 6. Last Name 7. M.I. 8. Date of Birth
9. Address 10. City 11. State 12. ZIP/Postal Code
15. Identification Number (SSN, passport Nurnberor other raw
14. SSN (U.S. Persons/ Non.U.S. Persons)
13. Country idenfificaton number)
15a. State of Issuance: 15b. Country of Issuance: 16. Ownership %
NOTE: In lieu of a passport number. Non.U.S. Persons may also provide a Social Security Number, en alien identification card number, or number
and country of issuance of any other government-issued document evidencing nationality or residence end bearing a photograph or similar
safeguard.
Additional Section 1- Fourth Beneficial Owner (If required)
Please provide the following information for an individual(s), if any, who, directly or Indirectly, through any contract arrangement,
understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity fisted above.
5. First Name 6. Last Name 7. M.I. 8. Date of Birth
9. Address 10. City 11. State 12. ZIP/Postal Code
15. Identification Number (SSN, Passport filtanberorother similar
14. SSN (U.S. Persons, Non-U.S . Persons)
13. Country identrficabon number)
15a. State of Issuance: 15b. Country of Issuance: 16. Ownership %
NOTE: In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, en alien identification card number, or number
and country of issuance of any other government-issued document evidencing nationahfy or residence and bearing a photograph or similar
safeguard.
NNNO•1618.0tIS CONFIDENTIAL SoNy_mirofier3422
CONFIDENTIAL FirstBankPR000985
EFTA_00 I 24465
EFTA01269632

Additional Section 1- Fifth Beneficial Owner (If required)
Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement,
understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above.
5. First Name 6. Last Name 7. M.I. 8. Date of Birth
9. Address 10. City 11. State 12. ZIP/Postal Code
15. Identification Number (SStil, Passport Numberorotheranfiar
14. SSN (U.S. Pesons/ Non-U.S. Persons)
13. Country ldertficabon number)
15a. State of Issuance: 15b. Country of Issuance: 16. Ownership %
NOTe. In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, an alien identification card number. a. number
and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar
safeguard.
Additional Section 1-Sixth Beneficial Owner (Ifrequired)
Please provide the following information for an individual(s), if any, who, directly or indirectly, through any contract arrangement,
understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above.
5. First Name 6. Last Name 7. M.I. 8. Date of Birth
9. Address 10. City 11. State 12. ZIP/Postal Code
15. Identification Number (SSN, Passport Number orothersintler
14. SSN (US. Parsons/Non-US Persons)
13. Country identlficationnumber)
15a. State of Issuance: 15b. Country of Issuance: 16. Ownership %
NOR In lieu of a passport number, Non-U.S. Persons may also provide a Social Security Number, an alien identification card number, or number
end country of issuance or any other govemment-issued document evidencing nationality or residence and bearing a photograph or similar
safeguard.
Additional Section 1 - Seventh Beneficial Owner (If required)
Please provide the following information for an individual(s), if any. who, directly or indirectly, through any contract arrangement.
understanding, relationship, or otherwise owns 20% or more of the equity interests of the legal entity listed above.
5. First Name 6. Last Name 7. M.I. 8. Date of Birth
9. Address 10. City 11. State 12. ZIP/Postal Code
15. Identification Number (SSN, Pcsrprerrinerorothwomear
14. SSN (U.S Persons/Non-US. PerS0nS)
13. Country scieneficabon number)
1Sa. State of Issuance: 15b. Country of Issuance: 16. Ownership %
NOTE: In lieu of a passport number, Non-U.S. Persons may also provide a Serial Security Number, an alien identification card number. or number
and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar
safeguard.
NNNG1618-0418 CONFIDENTIAL SONYGkrileCel 0913
CONFIDENTIAL FastBankPR000986
EFTA_00124466
EFTA01269633

Observations at Place of Business
1 First Bank
Business Corporations
New Account Visit IE Annual Visit
r
1, AccountI ltle
LS Holing Inc BTN Lite Switzerland
3. Dew 0/1/2014 4. Time: 930 O. Time Spent 20 MN S. Vie* Contact Nano: Elervoline Seaton
7. Type of Corporatlen:
0 Donee CorporsOon O HCOltig Conga O Proleabnal Corporalon (C.S.Pf P.S.C) O Lrnibld Jay CalnellOoll (1e)
O FOMICIA Cateny O ace• Corpontion O COMMON of Ie./MO./els
O It 011ew.cleocribez
Visit Description
Complete Walt Deseelptian Solon Only For MOWN Wilt
S. aeneftmal Ovnership: Inflate I the beneficial arms gerlbostion Mewed Moo lie &coma was menet O Via O No 0 NM
if any Move °cowed lill out On to,, WIG.1365 Bonet*, ("MAWS* Enhen-ad Due Ormencer Fin
Comore* Structure 8 History
.— IIc orponiban a a mat company you may subsetuir as part**, no Mtst IM sepal
II. II Ulls company le the holding company of an economic group Mews provide Ni tweeetaillonel than of Its seman.
IEconomia Orom I
I
CMS'', 1 Owison 2 etM elon 3 suteussy I
Div 1 .- BM'S D*1 - Sub 2 C4v 3 - Sub 1
10. P 10Yld• Board Alembere.
Name Pollan On Seell ase
Ralph Calmest Comer President 4S/2007
Lowell Rush Treasurer 4/9/2007
Great F Meek Controller StROSE----
awls, V HcSos Aeoltence Carter 4/9/2007
11. Preside trisneement Miran
Peeks+ In Company Pee Is Position Sees
_ DOPVVarlise Operator* Hs_
- Jo. Cods VP Ops
-------
.
12 Demote wiry briefly camperrfa history and mo My weals that led to leo eunvel cenlbonlenuatien.
LS Holding has Deem tanking with Firslibant for over 10 years. They arcane/Inure Clent end they are doing beefless as Lille
Switzerland They have several stores rere in St Thorne* as well as St. John. They keep an average balance of $500.000.00 v.
Ube SwItzerisnd has defiled kmry ii the Caribbean for more than 50 years. With over 25 stores across the Caribbean region Lade
Switzerland ofkrs the most desired colm ime of dessrer yerrelry and snitches inducing TAG Heuer, Caved Turman. Break,. liCtertO
Coin Movedo Omega. John Hardy Chopad. Pandora, unary & Co. and Crier
Corporate Description
13. Manna of MOW location.
6195 Dronningens Gade
St. Thomas. VI 00802
It Leaden Type: (21 PneT9y Offen O Secondoryloeslion 03mnes OffeeWanineuerietc i
it Wes er las °tildes locerise O end 0 Fined O roes eaves
it Esdeisbd SWIM resew i space occupied of MAW loran
4000
17. Dose the busman hew one lossemia? 0 Yee O No If 'fa bake. der mat. Mall other lacations:
ma Si. Pleeleel islormase ones legitimist (I now wen am In Mare be SIMI Sane
la. UM Crown Om MOWN c 6091 Norte Gees
St Thomas, VI 00802 St Thome Vi COM
D 9002 Hevensight Shop Ste D 6. 3841.2 8 374% Dionninterne Gade
St MOMS', VI 00002 St Thomas. VI G0802
Peps I ce
CONFIDENTIAL SONY_GM_0001 3824
CONFIDENTIAL FirstBankPR000987
fif:Th_00124467
EFTA01269634

IL"a Use area hen et efieNsfola Wager* WIMS101404•
Monday, Ft* 04
It men the einem Oka employees of so locations if mow than one.
120
20. How teeny *moons* de you see on pmnisse on me location?
20
21. If member of emelt/wee 441 prwnSn le nee IN same a the total number a employee, *sown. —_--
Sore employees are oft cc vacation, bald% a tweak. working in other department etc
22. Meats the corporation's opened," Including preclude and services oiler.
Product Name leduley Markel Shwa Man Compote°, 7, of SON
Jewelry Jeweey JeweiryStores _ _ 3S1S_
Watches Jewelry jewelry Store! 30%
Keep Sakai Sawa Other *suits! MOP* --MS
23. Inventory Visible? 21 Yrn O No if Yee, Omuta, MIMS/ frollbe lesiribTani OD OP albahmek
Slow cases of Jewelry. Watches. Keepea14/et key dams. Charms
24. Deecnbe customer traffic or activity Oblef red during visit
High volume of customer traffic. It Is located right on Man Street where tourists and locals are deify.
20. Suppliers Name.
Nemo Cowers r % tai d nf C ew O i G tw S o P T al O m M ed
IL Teo Heuer Switzerland Card. Cask
b. Bunting Switzerland
C. Movado Seitzerland
7/1. Cusealiwes Name.
Mime Canto % of Salem Priem! Terre
0 lei. USA 25% Cheat Cash,Ceree
ii. Tourists Ali 70% Cash the*s. ceps
0 SiaYl V0 IBA 5%
/ Z. Related Companies
V. Sutekileds.
Mosby Typed Santee- %Owned.
"WON lea_ Jewoky Store __ 100% -
—
211. AIRS.
- Tyra deaths SUAluet.
N/A
Client's Baling Relationship
20. RolalkeeMp.
paidOlume . Great LIONINISIM 1.1011111tmor TN* of Neatly
Rank WA WA N/A
Public Issues
a Sea
at ..ittIPAIWOitairliiit- -,::';41iratiti.'. ,iiirnhikl.,,. Mew- • NOWNIMIIIIMI
N/A
NSINfei4a140111 Poe. of 3
CONFIDENTIAL SDW_GM_0001 3825
CONFIDENTIAL FirstBankPR000988
EFTA_001 24468
EFTA01269635

Account Act/8W
tl. Deserts the business antialpead volume of Gunny NUM and nature of account act/. 5 'Pt
Estkniess about 3015,003.00. The mesa of the accounte Is checks drawn bun the account, deposits. InoonSig and Outgoing *roe. ACH
Debts.
more beciebn if moue fl abh er CabeeOui
3.2. Oncialle ars made in erweval wenches? ECI Tee O No It Mis, )Mate Me name of the bands keseore
Water Mont. Call Bay
33. Other relsvant observations or Inforrnadon (Ottshigerd mats Po tame dent endadlxviONN Vence fl ea *Oa eatelry Ow errata
covbariN moue 04014
None
34. Specify the acmes primary rade arse and describe its pnakety In Salton to to bank branch wore the account is domicile.
The primary bade area Is located right on Mtn Street about 2 blocks from the Waterfront bunch where the account is domkile. LS HoldirN Is
a big store w* Owe cases ol jewelry and keepsakes.
NOTE: 6145..eneu is relatocurevlskisce 9.e Cusbiter km Si Awe cat Nam Whin en scantliFelsOs orIMM &mot WSW Mx qsailN Airecokrif
nua tease Denims I x aptly Pa saw, et teams\ ere ears eparlee0 MainM OS se as
Deposit Section —Applicable for Annual Melt
36. Indicate the to average monthly deposit anieunt If:
se 57,009.00 DEPOSIT DUMAN TM VISIT CURRENT DIFFERENCE
3 CMOs 5.000.00 %Ceti 3.89 . _.._
s oven _800 000.00 it Chess 0.34
t Elcannc rtm Torn (EFT) 605.000.00 tiCintliCats 54.53 , _ _ _____
$ PDS . . % FT 41.24
(W m./ago dense 1±467p00.00 %PCS
le) Abing• proem ty comber TOOL 100.00
Difinece:
Perattem
International Tieussacthins Activity
se. otos ins buena expected received sotto orietresse insmstional transecOons. O Yes a tie 0 ewe Sean compere De section
inserts Transfer Outgoing Transfer
tmcsalinstcuresestusanwor acatakealatleteMOI Were, Wks kmalttlicouteles a crOltalktet stpeceS rothei nal 1,1.1 bl• a l
B moms Ei Prow; Q Diaitkeseatiec Ca LAWS O Americo D Donna' RIO:at
O aeon 0 US Wye linds O Niko D maws El USW lass O Maim
O Vmetteli O Netteetds Ca MIMIAtie Weds O Vane O Pletevires 0 sat Yip bards
O Bird O Cards O Cite O ENalel O Cate. 0 her
IMP,b ete Deltzerlanci In Saba Switzerland
Ilipahtesepor Eat tie Noose
payrmnt for goods To pry vendors
Conclusion IL Certification '
D. Om your observations pimp with your expectation, for lee type of beelnsast 0 Ye. O No
Muir
My observations agree with my eXpiXtatiOns. The business Is tieing run ocCatklitty. LAW Switzeitancl has defiled luxury in the Caribbean
for mac than 50 years. With Over 25 stores across the Caribbean region, little SWitzedand offers the most desired col Nylons of designer
jewelly and watches including TAG Newts. David Yunnan, Bating. Roberto Coin, Moved°. Omege John Hardy. Chmanl. Pandora, Whiny
& Co. and Can*
34. COIICIODIOiwCcorrentiAtomatIon.
See 37 above.
I PERSONALLY PHYSICALLY CONDUCTED THE ABOVE DESCRIBED PLACE OF BUSINESS VISIT. THE
INFORMATION PROVIDED IS AN ACCURATE AND COMPLETE REPRESENTATION OF MY OBSERVATION AT THE
PHYSICAL VISIT. I HAVE FOLLOWED THE CUSTOMER IDENTIFICATION DUE DILIGENCE PROCESS TO CONFIRM
THE TRUE IDENTITY OF THE CUSTOMER, I HAVE OBTAINED AND REVIEWED AU. REQUIRED INFORMATION AND
DOCUMENTS TO JUDGE THAT THE CUSTOMER IS REPUTABLE AND CONMFIRM THAT THE CUSTOMER IS KNOW
TO ME
no MatadatInfontice nos been iirtleerci ern en awl. My narciproureotionotolorrearke couldbe pounds keeornian• mein entire dimness(
FIRSTBANK OFFICE
issyteuvestissispi
Kyle* Love
Nom
POINS-141124012 pags3,..1-5
CONFIDENTIAL SONY_GM_0001 3826
CONFIDENTIAL FirstBankPR000989
EFTA_00124469
EFTA01269636