EFTA00227381

ACCOUNT: 
INQ 
NAME: EPSTEIN JEFFREY E 
BRANCH: 2 
TYPE ACCT: 028 
STATUS: 
DATE LST TRAN: 08-24-99 
DATE LST STMT: 03-29-02 
DATE LST DEP: 08-23-99 
LAST DEP: 100,000.00 
STOPS: N HOLDS: Y 
# DEBITS: 
ATS IND: N 
S AVG BAL: 
CONS OD: 
0 
LAST CONTACT: 08-24-99 
UAF EXCEP TERM: 
RELATED LEDG SAL: 
AVAIL SCHEDULE:
TIN:
ESCBAL: .00 
0 
0 
6ALANCe. 
14:09:10 
06/21/02 
2Y: 202 SEARCH: 
AUTHORITY: 0 
CERTIFICATE OF DEPOSIT ACCOUNT 
OPEN DATE: 08-24-1999 
OFFICERS: 00024 00018 
SERV CHG: 500 
CHG/NO CHG: 0 
ANL CYC: 100 
STMT CYC: 100 
TIMES OD-Y: 
RETURNS-Y: 
# CREDITS: 
SAV ACCT: 
S MIN BAL: 
DORM S/C: .00 
DATE LAST MAINT:02-14-01 
UAF LIMIT: 
99999999999 
AVL EXCPN DATE: 00-00-00 
POST ACH: N 
; DOLLAR HOLD ON THIS ACCOUNT 
LEDGER: 114,530.51 
CURBAL: 114,530.51 
AVAIL: 14,530.51 
REL AVAIL: .00 
AV LED: 113,800 
OD CODE: 0 
OD LIMIT: 
STMT ENC: 
TIMES TRANS: 
PND STMT CYC: 100 
DORM INT: .00 
CLSE BAL:114,826.25 
ACTION CODE: 
LAST OD/NSF: 00-00-00 
AVL EXCPN PLAN: 000 
MARKET: 0000 
0 
Case No. 08-80736-CV-MARRA 
P-001161 
EFTA00228541

Nancy Bruno - Jeffrey Epstein 
Page 1 i
From: 
Nancy Bruno 
To: 
Girten, Arlene 
Date: 
6/5/02 10:04AM 
Subject: 
Jeffrey Epstein 
Mr. Epstein has a Visa Business Card for one of his companies - NES - which he personally guarantees. 
Mr. Anderson approved a credit limit of $35,000. Now Mr. Epstein has applied for another Visa Business 
Card for another one of his companies - JEBE, Inc., and is requesting a credit limit of $25,000. The first 
card was approved without requiring financial information and this new request, if approved the same way, 
would need to be approved by Mr. Anderson with either Jim, 'rim or Bert signing with him because of the 
exception. If Mr. Anderson would like to approve this request I can prepare the Writeup - just let me know. 
Thanks. 
Case No. 08-80736-CV-MARRA 
P-001162 
EFTA00228542

Nancy Bruno - Re: Jeffrey Epstein 
Page 
From: 
Nancy Bruno 
To: 
Girton, Arlene 
Date: 
6/10/02 4:20PM 
Subject: 
Re: Jeffrey Epstein 
No other loans - just deposits 
>>> Arlene Girton 06/10/02 04:05PM >» 
Hi Nancy. Does he have any other borrowings with us other than his credit cards? 
1 
Case No. 08-80736-CV-MARRA 
P-001163 
EFTA00228543

CREDIT CARD UNDERWRITING WORKSHEET 
Applicant %"c -Yey EySiein Beacon Score 
14 65,1-LC 
Co-Applicant 
Beacon Score 
(O9 9 
INCOME: 
DEBT: 
Gross Monthly: 
 Mortgage/Rent: 
 
 Equity Line/Loan: 
Other: 
Auto Loan: 
Total Income(A) 
 Installment Pymts: 
BANKING: 
Yes 
No 
Revolving Pymts: 
(5% of bal from credit report) 
Checking 
 Savings 
Alimony/Child Support: 
Other: 
Established since: 
EMPLOYMENT 
Verified on: 
Total Expenses(B) 
Verified with: 
Other: 
Proposed Payment: 
(5% of credit limit) 
(B) S 
divided by (A) S 
Visa  /Visa 
Gold 
MC 
DUS t Oe.SS 
Credit Limit: Sar i cop. cic) 
Refe 
Offic 
Overdraft Protection: 
Yes 
No 
Auto 
Approved By: 
 
Date: 
Approved By:  
Date: 
Exceptions to policy: 130 
I nCe-ainC 
o r 
s)e ss - tax re-tor nS 
Justification 
Case No. 08-80736-CV-MARRA 
P-001164 
EFTA00228544

WSA--'USINESS CREDIT CARD AI -:_ICATION 
CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH # 
REFERRED BY: 
COMPANY APPLICANT 
COMPANY NAME: 
NES ,LLC 
NATURE (TYPE) OF THE BUSINESS: 
Real Estate 
INDICATE TITLE DESIRED ON THE CARD (LIMEIZaBlaSPAZES) 
mognaz:o-nnnnnnnnononnnnnn
BILLING ADDRESS: 
STREET 
CITY: 
STATE: 
ZIP CODE: 
9 East 71st Street 
New York 
New 
TYPE OF ORGANIZATION (PLEASE CHECK):LLC 
DATE BUSINESS ESTABLISHED: 
FICORPORATION 11PARTNERSHIP ))PROPRIETORSHIP 
/ 
I 
NAME OF CONTACT PERSON: 
York 
10021 
FEDERAL EIN NUMBER: 
OWNER(S)IOFFICER(S)/PARTNER(S) WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). GUARANTORS) 
MUST COMPLETE THIS SECTION AND SIGN AT THE BOTTOM OF THE REVERSE SIDE OF THIS APPLICATION. 
GUARANTOR 1: FIRST NAME 
MIDDLE INITIAL LAST NAME 
Jeffrey E. Epstein 
RESIDENTIAL ADDRESS: 
STREET. 
APT#: CITY: 
STATE: 
ZIFICODE: 
YEARS AT ADDRESS 
358 El Brillo Way 
Palm Beach, Fl 33481) 
10 
OWNERSHIP STATUS: 
MONTHLY MORTGAGEJRENTAL PAYMENT 
HOME TELEPHONE NUMBER 
SOWN ORENT OOTHER: 
n /a 
S 
( 
1 
POSITION WITH COMPANY: 
% OF OWNERSHIP 
TIME WITH COMPANY: 
ER 
Sole Member 
100 
3 yrs 
DATE OF BIRTH 
SOCIAL SECURITY NUMBER 
GUARANTOR 2: FIRST NAME 
MIDDLE INITIAL LAST NAME 
DATE OF BIRTH 
SOCIAL SECURITY NUMBER 
RESIDENTIAL ADDRESS: 
STREET: 
APT#: 
CITY: 
STATE: 
ZIP CODE: 
YEARS AT ADDRESS 
OWNERSHIP STATUS: 
TIOWN FIRENT MOTHER: 
POSITION WITH COMPANY: 
3 
PRIMARY BANK 
Chase Bank 
OTHER BANK: 
Palm Beach Bank 
AMERICAN EXPRESS 
CORPORATE CARD? nYES nNo 
VISA BUSINESS OR 
CORPORATE CARD? nYES nNo 
MASTERCARD BUSINESS OR 
CORPORATE CARD? OYES ONO 
MONTHLY MORTGAGE/RENTAL PAYMENT 
HOME TELEPHONE NUMBER 
% OF OWNERSHIP 
TIME WITH COMPANY: 
OFFICE TELEPHONE NUMBER 
RANKING b. OTHLR CrtEDI f CARD 
ACCOUNT # 
OTHER ACCOUNTS 
nLOAN nSAVINGS ACCT DCREDIT CARD 
TYPE(S) OF ACCOUNT(S): Personal account of Guarantor 
linswommn AMOUNT 
Ml OAN nSAVINGS ACCOUNT 
nCFIEDIT CARD 
ACCOUNT NUMBER: 
DATE OPENED: 
BALANCE: 
ACCOUNT NUMBER: 
ACCOUNT NUMBER: 
S 
DATE OPENED: 
BALANCE: 
DATE OPENED: 
S 
BALANCE: 
A3; 
/ED i(c7) 
CAROF 
(-)E-."(f.(il 
LIST THE NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES: 
NAME (PRINT) 
SOCIAL SECURITY # 
SIGNATURE 
CASH ADVANCE ACCESS? CREDIT LIMIT 
OYES ONO 
S 10.000.00 
OYES /ONO 
5 10,000.00 
OYES LINO 
;  
s.neo.nn 
 
OYES ONO 
TOTAL CORPORATE CREDIT LIMIT REQUESTED: S 
5. 
®ONE CONSOLIDATED MONTHLY STATEMENT 
B LUNG CPT 0 ,:S 
°INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH 
°STANDARD QUARTERLY REPORTS PACKAGE 0 ENHANCED REPORTS PACKAGE OPTION CALL US FOR DETAILS) 
S.GrNAI 0:;:E 
Absecant represents list this Swindon le lie end =Vet and sulhorks& Ueda IS vet* &William/on and aeon additional Inkenegort concerning Conpanyt credit 
sinks end b USN such as* Inionalka b ohm. Company epos ki be bard by and caplet accord% 10 NI antra VISA Baal Card Arcildaddrla 
Applicant rsprosonte and warrants that the credit card account 
be weed primarily fin or wore) for *Ow Sin personal. Wei horsehold • • setaissisal 
Inerfrosell• Angie-we understands that die rwireeentellon le to confirm that no disclosures are required under the Federal Truth-Wrangling law. 
Appicant requests eststiehresr& oisnoccourd beech 
Erich such desipneted person le en mutated use 
cordntry n writing by the Company. 
APPLICANT SIGNATURE: 
PRINT NAME: 
Cl Sit(?) 
LOW deriipellsci Mere a an h Sled tat. se may be amended w mac from one a am e by Appllant 
bine Itre accord deelgrwied kr i W. sulheetted user urge the molarS 
.
.filled to te 
DATE* 
CORPORATE TITLE: ‘pi• 
B C31/4—
Case No. 08-80736-CV-MARRA 
P-001165 
EFTA00228545

PiThUSINESS CREDIT CARD A - "'LICATION 
CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH N 
REFERRED BY: 
COMPANY APPLICANT 
COMPANY NAME: 
S 
L L._ 
NATURE (TYPE) OF THE BUSINESS: 
1(7)&-"n 
CS - p4-7" 
INDICATE TITLE DESIRED ON THE CARD: (LIMITED TO 24 SPACES) 
000000000000000000000000 
BILLING ADDRESS: 
STREET.
7 X51 7tcrSrert-cti"" 
TYPE OF ORGANIZATION (PLEASE CHECK): 
L.L.C. 
flCORPORATION CIPARTNFRSHIP KPROeRtFTORSHIP 
NAMEeF CONTACT P 
ON: 
■ 
2. 
OWNERS)/OFFICER(S)/PARTNER(S) WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). GUARANTOR(S) 
MUST COMPLETE THIS SECTION AND SIGN AT THE BOTTOM OF THE REVERSE SIDE OF THIS APPLICATION. 
OWNER/OFFICERIPARTNER INFummm 
ZIP CODE: 
/002 I 
FEDERAL EIN NUMBER: 
GUARANTOR 1: FIRST NAME 
MIDDLE INITIAL LAST NAME 
ge? Frr e.€1 
EL- • 
e --
RESIDENTIAL ADO 
SS: 
STREET: 
APT#: 
CITY: 
STA E: 
ZIP CODE: 
YEARS AT ADDRESS 
r2M 
a -44i 
OWNERSHIP STATUS: 
faDYVN DRENT ((OTHER: 
ePCL(OSITION WITH COMPANY: 
4)
Pry, ZeNcat FL 
MONTHLY MORTGAGE/RENTAL PAYMENT 
S 
% OF 
TU,s WITH COMPANY 
ruS • 
OWNERSHIP 
V rO 
it) 
HOME TELEPHONE NUMBER 
I 
I 
GUARANTOR 2: FIRST NAME 
MIDDLE INITIAL LAST NAME 
DATE OF BIRTH 
SOCIAL SECURITY NUMBER 
RESIDENTIAL ADDRESS: 
STREET: 
APT#: 
CITY: 
STATE: 
ZIP CODE: 
YEARS AT ADDRESS 
OWNERSHIP STATUS: 
flOWN DRFNT DOTHFR: 
POSITION WITH COMPANY: 
MONTHLY MORTGAGE/RENTAL PAYMENT 
V. OF OWNERSHIP 
HOME TELEPHONE NUMBER 
TIME WITH COMPANY: 
OFFICE TELEPHONE NUMBER 
3. 
BANKING & OTHER CREDIT CARD RELATIONSHIPS 
PRIMARY BANK.-
C A\ +kc 
t 
A- 4 *-, 
OTHER BANK: 
( 0 
UN 
i A ,...-- 
&CAL.* -.- A .^) c---. 
FICHFCKINr ACCOUNT 
AMERICAN EXPRESS 
ACCOUNT NUMBER: 
fORPORATF CARP? FIYFS nNo 
VISA BUSINESS OR 
rORPORATF CARD? OYES nNo 
MASTERCARD BUSINESS OR 
CORPORATE CARD? OYES ONO 
DATE BUSINE S ESTABLISHED: 
/Ott
BUSI 
ACCOUNT NUMBER: 
ACCOUNT NUMBER: 
A 
ITT: 
STATE: 
OTHER ACCOUNTS 
DLOAN OjSAVINGS ACCT OCREDIT CARD 
): 
t+,/ 44- ft ..OJ JUTS er(s): ./Aviamitet.!
OAN n SAVINGS ACCOUNT 
nCRFOIT CARO 
DATE OPENED: 
BALANCE: 
S
DATE OPENED: 
BALANCE: 
BALANCE: 
DATE OPENED: 
AUTHORIZED INDIVIDUAL CARDHOLDER(S) 
UST THE NAMES OF AU. EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES: 
NAME (PRINT) 
SOCIAL SECURITY H 
SIGNATURE 
CASH ADVANCE ACCESS? 
OYES PkNO 
OYES 
VINO 
DYES 1140 
OYES 
ONO 
TOTAL CORPORATE CREDIT LIMIT REQUESTED: 
I ONE CONSOLIDATED MONTHLY STATEMENT 
BILLING OPTIONS 
CREDIT LIMIT 
I /0 , OCC/QO 
S /0 1000.ea 
• no 
OINOIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH 
OSTANDARD QUARTERLY REPORTS PACKAGE OENHANCED REPORTS PACKAGE OPTION CALL US FOR DETAILS) 
SIGNATURE 
Applicant trareerarae 
rip blonnetion b Ins end covolelo and aulhoettee oars to wady the Islonnelke and °NW addllonel Inlomrailon concerning Company's anal 
standing. end Wendell loth yell Inkesnolon lo dust Company egress lo be band by end WRNS etrardInglolhe corallore VISA Duress Card Regulations. 
Aiatallant raroteeents and warns.% Null the coedit cud account will be used pilmarily (30% or mote) lot other Than powonal• family lunisabold or aildauthatal 
••••••••• 
Anonal undeaelende dnl tlda nafrieltentatIon le to cannon that no rasclosures an requtrad under the Federal Troth4n4.endIng law. 
Applicant nests eatabletenerd 
an moment 'or inch 
stet 
loch such arrapieled parson ben eulliodrad veer 
confiry in twang by In Camping.. 
APPLICANT SIGNATURE: 
PRINT NAME: 
\cf;-24ii
More or on tra Schad 
its way be anteritiod b wens ben WM Id ISO by Applcsnt 
to use Ir accord dosigneled be such sulhartvoi users urdl u 
awake Is resided b the 
DATE:, 
6 / 1 61 
1 ° 
CORPORATE TITLE: 
VY)r etet 13 R. 
Case No. 08-80736-CV-MARRA 
P-001166 
EFTA00228546

- 
VISA° Business Card Regu.Dns 
Palm Beach National bank & Trust Co. 
3931 RCA Blvd. Suite 3102 
Palm Beach Gardens, Florida 33410 
The undersigned Holder agree 
ithe lollo 
Dated th, 
day of 
Name of Holder 
By: 
Aut 
Title 
1. Agreement. These regulations govern the possession and use of 
VISA Business Cards ('Card") issued by Issuing Financial Institution 
(issuer'). Each party that applies for a VISA Business Card is referred to 
in these regulations as a Holder. Issuer shall establish an account for 
each person designated by Holder as an authorized user ("Authorized 
User"). Holder consents and agrees to these regulations and to the terms 
contained on the cards, any sales drafts, credit adjustment memos or 
cash advance drafts signed by or given to Holder of any Authorized User. 
The provisions of these regulations. as they may be amended Prom tine 
to time as provided in these regulations, govern Holder's obligations, 
notwithstanding any additional or different terms contained in the cards. 
sales drafts. credit adjustment memos and cash advance drafts or any 
other documents evidencing an account transaction. Holder authorizes an 
investigation of its credit standing prior to the issuance of cards and at any 
tome thereafter, and authorizes disclosure of information to third panes 
relating to its credit standing. It Holder or Authorized User requests any 
VISA Business Card services, Holder or Authorized User consents to the 
releaSe of Holder's or Authorized Users personal data to VISA USA, Inc. 
and its member financial institutions anclior their respective contractors for 
the purposes of providing such services. 
2. Membership Fees. A nonrefundable annual membership fee of 
— $ nia will be assessed per card for the first _n/a  card(s) issued. 
— 5  nit 
 per card if n/a  cards are issued. $ 
per card it 
_
n/  acards are issued. and $  n/a  per card if tit 
icalt.s are issued. 
Holder represents that cards will be used exclusively or business purposes 
and not lor personal. family, household or agricultural purposes. 
3. Use of Card. Credit for purchases Prom a merchant or cash advances 
horn a participating financial institution may be obtained by presenting the 
card to the merchant or participating financial institution, and. if requested, 
by providing the proper identifying information and signing the appropriate 
drafts. Failure to sign a draft does not relieve the Holder 01 liability lor pur-
chases made or cash received. The card may also be used to obtain cash 
advances from certain automated equipment provided it is used with the 
correct personal identilication number (TIN"). The amount and Irequency 
of cash withdrawals may be limited. Except as provided below with 
respect to Holder's liability for unauthorized use where Issuer has issued 
Hen (10) or more cards at Holder's request, Holder will be liable up to a 
maximum of 550.00 for the unauthorized use of a card or PIN issued at 
Holders request for charges that occur before Issuer receives notlication 
orally or in writing of loss. theft or possible unauthorized use of a card or 
PIN. II Issuer has issued len (10) or more Cards at Holder's request, 
Holder will be liable for any and all unauthorized use of a card. 
Unauthorized use is any use by in individual other than Authorized User it 
without the knowledge or consent of the Holder. Any use of the card or 
PIN by an Authorized User, or by any other with the knowledge or consent 
01 the Authorized User. or Holder, is authorized use. Lost or stolen cards 
or PINs should be reported immediately to issuer by notifying Bankcard 
Center, P.O. Box 1111, Madison, WI 53701-1111, Telephone (608) 829-
6100 or 1-800-221-5920. Holder shall be liable for at charges, lees and 
other CiastS that accrue on each account_ 
4. Credit Line. Holder will from time to time be informed of the amount 
01 the approved credit line under each account estabkshed for Holder, and 
Holder covenants not to make. authonze or allow credit purchases or bor-
rowings in excess of the amount. However, notwithstanding such credit 
line, Holder is liable for all purchases and borrowings made with its cards 
by it or by anyone authorized to use the cards. 
5. Payment. Holder will be furnished at the address identified by Holder, 
a monthly statement for each account for each billing period at the end of 
which there is an undisputed debit or credit balance of 51.00 or more. 
The lull amount billed (New Balance') Is due on demand. If Issuer does 
not demand payment of the New Balance on the monthly billing state-
ment. either (a) the New Balance or, (b) a Minimum Payment ol the 
— 
greater of $  20.  or  5 
_% of the New Balance, shall be paid with. 
in 25 days after the Closing Date of that thing statement. Payments must 
be made al Bankcard Center, Milwaukee. Wisconsin, 53288-0200. 
Payments made at any other location may cause delay in crediting the 
I
account. Payments received after 2.00 P.M. on any Monday through 
Friday. but excluding federal legal holidays, or at any time on any non-
banking day will be considered as payments guide on the following bank. 
ing day. AS payments will be applied lest to interest, second to additional 
lees, if any, in the order of their entry to the account, third to previously 
billed cash advances. purchases and other similar charges in the order of 
their entry to the aCcount, and then to current cash advances. purchases 
and other similar charges in the order 01 their entry to the account. 
6. Finance Charges. interest shall accrue on each account as shown an 
the monthly statements. for each billing period in which there is a cash 
advance or the Previous Balance is not pad in full prior to the Closing Dale of 
the biking statement. Interest is computed by applying the monthly periodic 
— 
rare or 
1 .  ZS  % (ANNUAL PERCENTAGE RATE OF Lie. S_%) 
to the average daily balance of the account. To get the average daily bS-
ance, we take the beginning balance ol the account each day, add any 
new cash advances. credit purchases and other charges, and subtract 
ing terms and conditions: 
MID 0 
any payments a credit unpaid tate charges. unpaid membership lees and 
other unpaid fees. This gives us the daily balance. Then, we add up al of 
the daily balances for the billing cycle and divide the total by the number of 
days in the billing cycle. This gives us the average daily balance. Interest 
accrues on credit purchases beginning on the date the purchase is posted 
to the account unless the Previous Balance shown on the statement is paid 
in ful prior to the Closing Date ol the statement. Criedt purchases made 
during the statement period and the Previous Balance will be excluded from 
the calculation of average daily balance if the Previous Balance shown on 
the front of the statement is paid in full prior to the Closing Dale. Interest 
on cash advances begins to accrue on the date the advance is posted to 
the account. Additional interest on an account may be avoided by paying in 
4, 
full the New Balance shown on the account's monthly statement within 25 
days alter the Closing Date lor that statement. 
7. Additional Fees. Each account shall be subject to the following addi-
tional fees. (1) SM.  for _p/a 
 % late charged any minimum payment  
is not paid in fun on or before the due date shown on the monthly statement 
issued immediately after the monthly statement on which the unpaid mini-
mum payment first appears. (2) 5  10 -00 ler each cash advance; (3) $5 — 
for replacement of a card; and (4) reasonable charges according to the 
then current lee schedule tor additional copies of monthly statements, 
drafts and receipts requested. Fees imposed will be posted to the at count. 
8. Foreign Transactions. If a Holder's card is used toeffect a transaction 
in a foreign currency, the transaction amount will be converted to U.S. dial-
lers by VISA International. VISA convert foreign Currency to U.S. dollars 
using either the government mandated exchange rate or the wholesale 
exchange rate, in effect one day before the date of the conversion. as 
applicable. The exchange rate is increased by 1% if the conversion is made 
in connection with a charge to an acct.:miliaria decreased by 1% if the con-
version is made in connection with a credit to an account. The date ol con-
version by VISA may roller from the purchase date and the posting date 
identified in the monthly statement for the account. Holder agrees to pay 
charges and accept credits for the converted transaction amounts in accor-
dance with the terms of this paragraph. 
9. Disputes. Issuer is not responsible lor relusal by any merchant, finan-
cial institution or automated equipment to honor or accept a card. Issuer 
has no responsibility for merchandise or services obtained with a card and 
any dispute concerning merchandise or services will be independently set-
tled by Holder with the merchant concerned 
10. Delault. Holder covenants to observe and comply with these regula-
tions and not to permit an event of default to occur. Holder further 
covenants not to take any action or permit any event to occur which materi-
ally impairs Holder's ability to pay when due. Upon the occurrence ol any 
one or more of the following events of default: (a) Holder fails to bay at 
least the Minimum Payment when due; (b) Holder dies. ceases to exist. 
changes residency to another state, becomes insolvent or the subject ol 
bankruptcy or insolvency proceedings: (c) Holder fails to observe any 
Covenant or duty contained m these regulations; (d) any item in any finan-
cial statement delivered by Holder to Issuer is false in any matenal respect 
when given; or le) the occurrence of default under any agreement securing 
the obligations hereunder: the full amount of Holders account shall, al 
Issuer's option become immediately due and payable. Holder agrees to 
pay all costs of collection before and after judgment. including reasonable 
attorneys' lees (including those incurred in successful defense or settle. 
ment of any counterclaim brought by Holder or incident to any action or pro-
ceeding invoNing Helder brought Pursuant to the United States Bankruptcy 
Code). 
11. Termination. Holder's consent to these regulations may be terminat-
ed at any time by surrendering the cards issued to Holder or al Holder's 
request, but such termination shall not ailed Holders obligations as to any 
balances or charges outstanding at the tine ol termination. Termination by 
any Holder shad be handing on each Authorized User. Unless sooner termi-
nated. the privilege to use the cards shall expire on the date shown on the 
cards. At any time, without liability to Holder and without affecting Holder's 
liability for Credit previously extended. Holders privilege to use the cards 
may be revoked or limited by Issue' to the extent not prohibited by law. 
The cards are and shall remain the property of Issuer and Holder agrees to 
surrender them to Issuer upon demand. Holder agrees to nobly Issuer of 
any caocetlation of an Authonzed User's charting privileges. Haider shad 
return. to Issuer any cards issued to Authorized Users whose privileges 
have been terminated. 
12. Amendments. Issuer may amend these regulations and may amend 
the charge terms from time to time and will mail to Holder al Holder's last 
known address as shown on the records of Issuer written natter, of any 
such change not hiss than 15 days prior to its effective date, or as other-
wise required by law. Invalidity ol any provision of these regulations shall 
not affect the validity of any other provisions. 
13. Governing Law. Holder agrees to be governed by 
-
law with respect to all aspects ol the transactions arising under these regu• 
latent 
233-106 NIP (7/93) 
Case No. 08-80736-CV-MARRA 
P-001167 
EFTA00228547

If the application for the Account Is approved, then the following Guaranty will be effective. If the application for the 
Account Is not approved, then the following Guaranty is null and void. 
CONTINUING UNLIMITE0 GUARANTY. For good end valuable conaderstrai. end for 5i  PaPOSSIBra theucing Pam Beach National Bank & Truth Company MS') to 
tikind. Make renew. molly all or Coninue10 seriend, wee, renew or ramify the Brdineet Credit Card Account Of 
 
(the 13OrrOwee) 
se undersigned Guarantor (poly and severely, I more Ian one, 'Guarantor) resokeety all urcondlionelly guaranies. and Promiliell $0 peak b Bank a it Order. on demand b 
tewfully oblakted legal lender of the UMW Stares of Arnerice. the Account Indebtedness of the Borrower to Bank on the terms end COnSall Mt bah In the  Guerra Under thrs 
Guaranty. the Sahib of Guarantor is unlimited and the obligations of Guarantor are continuing 
NATURE OF GUARANTY Guarantor's eatery under this Guaranty than be open snd continuous for so lab at Ms GoatentY roam Infirm G100 11401 intends to uuarentee el 
ea times the performance end prompt payment when due. whether at maturity a abler by reason or eccfrerehon a otherwlet a *a Account ineeblealess Accorangh, no 
payments mole upon the Account Indebtedness will discharge or diminish the continuing Ill bitty of Guarantor In connection with any remaining catkin or the Account Indebtedness 
or any d the *oxtail ndebledness *Nth subseitmentiy ens a is thereof* intoned a contracted. This is not a special guaranty. 
DURATION OF GUARANTY. This Guaranty win take effect when received by Bank without the nikeestillY deny accnOtenba by Bank a anynonce lo Guarantor ar the Butaness
and will contras in full force unlit all Account Indebtedness incurred Or ainiteded before receipt by Bank of any notice of revocadon anal Mine been fully and finally paid and 
minced and al other obligations of Cormier under en Guaranty sisal have been parronned in tut II Guarantor elects to revoke this Guaranty, Guarantor may only do so in 
*ming Written rtlwar-rean al des Guaranty win each only to advances a new Accost ndebbress anted any rictual rand by Bank of Gulanthet written rebate" 
This Guaranty and Guarantor's obligations hereunder remains fully enforceable Irrespective of any claim, defense or counterclaim which Borrower may alien on the 
Account Indebtedness. Including but not IYNted to faller e of consideration. breech of warranty, payment. statute of frauds, statute of limitations, accord and satisfaction, 
and taw' Y . same of which G 
for hereby waives along with any standing by Gee/enter to assert any said dalm. detente or counter claim. 
• 
GUARANTOR'S AUTHORIZATION TO PALM BEACH NATIONAL BANK & TRUST COMPANY. Guarantor authorizes Bank, either before or afar any revocation hereof. wtthoul 
notice a demand and wilhOul lessening Guarantor's liability under this Guaranty, from time to time to alter, supplement• compromise• modify, renew, extend. terminate. 
scar 
 wave or otherwise change one or more times the time for payment or other terms, conditions. or provisions of the Account. 
GUARANTOR'S REPRESENTATIONS AND WARRANTIES. Guarantor represents and warrants to Bonk that (s) no reprepenlabOnt a agreements of any kind have been made to 
Goan' ersdl waked Ma Or Walla In any way the terra of MO Guaranty, (b) Guarantor has, bits own satisfaction, Independency Investigated (end rebel exclusively on). (I) 
Borrower's critic In l°rer (4) Barone'',  Planate illamaellit Bank. I any and (ir) Barren Past creek end added financial condition; (c) Upon Bank's request. Guarantor we 
Pond' to Bank enema end Credil information in form soceptaips* Bank and (d) Guarantor has estateshed *Susie means of obtaining from Brower on a conenung bass 
information regarding Borrower's financial COOdillOn. GUIllantar agrees 10 keep adequately Informed from such meant of any fads, events. or ckcumstances north night n any way 
aneCt Guarantors rues wider the Guaranty. and Gummier forte agrees that. absent a request fa information. Bank snot have no obligation to disclose lo Guarantor any 
Monnaeon a documents acquited by Bata in ri• Oases el es neelownp pant Borrower 
GUARANTORS WAIVERS. Except as prohibited by applicable Lew, Guarantor waives any right to moue* Bank (a) io make any premament. protest, demand. a nave of any 
kind liviudeb ri
 el any noncoms( of the Account InderbtedneSS or notice of any action or non-action on the part of Borrower or (b) to resod for payment or to proceed directly 
ales/la kilemel Sly person. inciudIng Borrower a any other Guarantor 
M now or hereafter Borrower shall be or become Insolvent. Guarantor hereby forayer waives and reenquithes in favor of Bank and Borrower, and their respects successors. Any 
dant right or rely 
to arms' Guarantor may now nave or hereafter have a ears against Brower that arises hereunder end/or performance by any guarantor Including 
valtout krnitatcns, any clam. remedy a right of esbrogaer, reimbursem ent. esonerason. indeennlikaton. of paniopation In any dalim, right a remedy of Bank egainal Obodwei. 
whether a not such claim. right a remedy arises n equity, under contract steatite, cowmen law of Otherwise, by subrogation or otherwise. so that at no all Pia Guarantor be a 
become a 'creditor of Borrower within the meaning of I I U.S C. Section 547(0). a any successor astir 
of the Federal bankruptcy laws. 
Guarantor also waives WY end al rights a delenSee aelsog by reason al any auction of remedies by Bank Mach destroys a otherwise adversely affects Guarantor's subrogation 
rights a Guarantor's nghiS to pretend against Borrows for reinakesenent, including without katallon, any knit of ngHs Guaraftbf may SOS by reason Of any law Sr). 
Qualifying. or discharging the Account Indebtedness. If payment is made by Brower, whether voluntarily Or otherwise. or by any third cagy. on the Accost Indebtedness and 
thereafese Book is bred to remm IM anent 04 that pearnal to Borrowers trustee In bankruptcy a to any similar person under any federal or state bankruptcy law or law la the 
rebel 01 debtors, the indebtedness that be considered unpaid or the puns a  enforcement ere this Guaranty. Tat provision that auntie tramline tkan of this Guaranty.
RIGHT OF SETOFF Guarantor authorizes flank• to the extent permitted by applicable taw, to charge. withdraw Or setoff all sums °wag on the Account against ant and as me 
accounts sin bah below in the Accounts section without prior demand or notice to Guarantor. 
ACCOUNTS. Accounts shall Include ea GuaranWs deposits accounts (whether checking swings, a some ocher account) or securest now or hereafter in the posses's:In Of a on 
deposit with Bank or with any Bank's effible a Subsidiary Including without limitation all accounts heed )centty with someone see and al accounts Guarantor may open In the future. 
grading, however, el IRA, Keogh and bust OCOaunis. 
MISCELLANEOUS PROVISIONS. The following frascallanecxe preview:en am a pal al this Guaranty 
Amendments This Guaranty constitutes the entire understanding. and agreement of the parties as to the matters set forth M. es Guaranty and supersedes all pia undsrstandou 
and correspondence, err or women, with respect to Me tubed maser Nimbi No alWaton of or amendment to mis Guaranty *II be infective unbolt given in w Deng and signed by 
the party or parties sought lo be charged a bound by the alteration Or anandnieM 
iii
Applicable Law This Goranly shell be governed by and constnad n accordance wen the lard of the state where the Issuing Benk referenced above monisms its propel office.
Attorney's Fee: Expenses. Guarantor agrees to pay upon demand all of Bank's costs end expenses, ncardung reasonable etlatiefe lees and Bank's legal expenses. vaned in 
connection with the Account or the enforcement of this Guaranty. flank may pay someone sae to help enforce Vas Guaranty and Guarente Owl pay the costs and expenses a 
such enlacement. Cosh and expenses Include Bank's reasonable attorneys' fees and legal expenses whether Or not there 4 a tenon. Sr bankruptcy proceedings land /ra iding 
efforts /0 "del' a vitas any sulOmeSc stay or Ineznctorik appeals, and any ansapassd posHucicerwe collection services Guarantor also OW pay as court costs and such 
additional fees as may be directed by the court 
Interpretation. In as cases where there le mom than one Borrower a Guarantor, then as words used In this Guaranty in the singular shall be deemed to have been used in the 
plural where the contest and constructor, so require, and where ewe la core than one Borrower named in this Guaranty or when Inks Gwent), is executed by more than one 
Guarantor, the words Borrower and 'Guarantor respectively shat mean as and any omit/trice at them The words 'Guarantor; Borrower,' and 'Bank' n:krele the hers. 
successors. assigns. and transforms of each of them. Caption headings in INS Guaranty ere for convergence purposes orgy and we not 10 be used to interpret or define ete 
CerreiSeans Of illeS Guaranty U a court of corribienljunediction fines say provision of he Guaranty to be invalid a unenforceable as to any person or circumstance, such finding 
shat not render that provision myriad a uMinfOrtelible OS le any atm persona or cioarnstances. and al proviso's of this Guaranty In at other respects shal retrain veld and 
enforceable 
Waiver. Bank sive not he deemed 10 have waived we Vas wider lea Guaranty unless such waiver Is given in writing and sired by Bank. Nn delay or omission on the part of 
Bank es enrcisin9 ay obit shell operate as • veins of such riga or any We eight A waiver by Gant of a provision rf Mrs Guaranty shalt nor proitiorre er  constitute a widow of 
Bank's right otherwise to demand strict compliance with Out moat a eery cater prods*, of this Guaranty. No pea webs by Bank, nary cane of dealing between Bank and 
Guarantor. Shell COnalihile a waiver of any of Bank's rights a of any of Guargreces obegalloot as to any future transactions. Whenever the camera of Bank is required under Irks 
Gunny, to Oman° a au 
comae by Beret In any Instance OW not caestauts continuing consent to subsequent intlancas where suds (absent Is required end in ell cases such 
consent may be granted a inflate In thri sole Season of Bank. 
There are costs associthed with the use of lib Credit Card For spark information regardng the coils, pease mile us al Palm Beach National Bank & Trust Comperri, P O Bo. 
1421a, North Per Beech, Florida 33406 a Cal us al S6 1-624.738S 
The undersigned canines that all elthernents In this Applbellon and on each document required to be eutwnItled in connecton herevoit*\ inducing federal *corneae leent . are true 
cared and corbels The undersigned authorizes Palm Beach National Bank S. Trutt Company to rely upon such slalernente make such Inquires, and oats Oath ledorinsfort as 
Pam Beach National Bank & Trull Company deems necessary and reasonable to verify any information provided to Paint Beach National Bank & Trod Comply/ on he Application 
on any such required dOrwment including liberal to the Internal Revenue Service business creed reporting and wain buoseu agencies Ind ellsodolftms. end tilt 
authorizes 
Palm Beach National Bank & Trust Cowpony. Its holding ccmpeny end eaMisles and related service canonic-ors to strange this sopecalion, the tactmallos canalised in or 
suanilled path rib Applicetion and w among relationship Irdommilon with each other and with business credit reporting a credit bureau agencies end asscclailall end CilerMors of 
the unbertigned. The undersigned briher agrees to notify Palm Beech National Bank 1 Trust Company PrornPlty of any material change in any such intormallexl. 
The undersigned coigne, that hathe has full authority to act on behalf a ApplkaM Vs connection with this credit mount 
EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL TMEPROVItil 
Tin °LIMAN-iv ANO AGREES Torre TERMS 
GUARANTOR NAME PRINTED 
J(Fr
 
C)
 
E 
PS 
1 ...b.:74) 
SOMA 
DATE 
err
1 — Case No. 08-80736-CV-MARRA 
FORM t 990003 
REVISED 0499 
P-001168 
EFTA00228548

LL 
:O111=ZTE AUTHORIZATION RESOL 
ION 
By. 
C_ 
Referred to In this document as 'Financial Institution" 
L-Lc 
Referred to in this document as -Geopeeelion-
yr, cane to- 
L_ L C_ 
.._ 
I,  
s'ef3cy t..P S it'd
 
certify that I am 
' 
or 
nix 
PiCri 
ci4... C. 
Federal Employer I.D. Number
5eisimar
 , OrJt. 
— 
N.; 
'ON 
OLN./..... irrfte- r —. 
Those resolutions appear In the rninules of this meeting and have not been rescinded or modified. 
AGENTS Any agent listed below, soloist:I to any written limitations. is authorized to exercise the powers granted as indicated below: 
Name and Tiee or Position 
Signature 
Facsimile Signature 
(if used) 
kfif2-9 
CPS rCid
i Ycnacz  x 
X 
B. 
 
X 
 
X 
C. 
0. 
 
X 
X 
E. 
X 
  
 x 
X 
X 
tAt bvs 
F. 
POWERS GRANTED (Mach one or more Agenls lo each power by placing the letter corresponding to their name in the area before each power. Following 
each power indicate the number of Agent signatures required to exercise the power.) 
Indicate A, B, C, 
D, E. and/or F 
I
k
Description of Power 
(1) Exercise all of the powers listed in this resolution. 
(2) Open any deposit or share account(s) in the name of the Corporation. 
(3) Endorse chocks and orders lc% the payment or money or otherwise withdraw or transfer funds on deposit with 
this Financial Institution 
(4) Borrow monoy on behalf and in the name of the Corporation, sign, execute and deliver promissory notes or 
other evidences of indebtedness. 
(5) Endorse, assign, transfer. mortgage or pledge bas receivable, warehouse recects, bills of lading, stocks, 
bonds, real estate or other property now owned or hereafter owned or acquired by the Corporation as 
security for sums borrowed, and to discount the same, unconthhOnagy guarantee payment of all bets 
towered, negotiated or discounted and to waive demand, presentment, protest, notice of protest and 
In d 
notice of nonpayment. 
(6) Enter into a written lease for the purpose of renting. mantatang, accessing and terminating a Sale Deposit 
Box in this Financial Institution. 
(7) Other 
LIMITATIONS ON POWERS The lcdowing aro thi.. 
 eXPrOSS lir11110110nS on the powers granted under this resolution. 
EFFECT ON PREVIOUS RESOLUTIONS This resolution supersedes resolution dated 
CERTIFICATION OF AUTHORITYPICMTUL  (WC, 
I further certify that the Beerditifeireetors of the'Luipuinuun nas, and at the time of adoption 
foregoing resolutions and to confer the powers granted to the persons named who have full p 
where appropriate.) 
0 If checked, the Corporation is a non-profit corporation. 
In Witness Whereof, I 
-- Laiitedibispenvisse-en 
O ISIS. 1997 Wis. Solon's. Inc_ Si.Cloud, lm FOIT CA.1 6/1099 %GI 
Indicate number of 
signatures required 
. If not completed, all resolutions remain in effect 
of this resolution had, lull power and lavAul authonty to adopt the 
nd lawful 
honey to exercise the same. (Apply seal below 
name to this document andiediasaasew444-the 
(dale). 
Attesrbreinreever Officer 
-Bartlett 
0 1k 
OOP r C42) 
Case No. 08-80736-CV-MARRA 
P-001169 
EFTA00228549

RESOLUTIONS 
1.A -C. 
The aperaF'an named on this resolution resolves that, 
(1) 
inancial Institution is designated as a depository for the funds of the =and 
to provide other financial accommodations indicated in this 
resolution. 
• -- • - •- •• - 
• 
(2) This resolution shall continue to have effect until express wrilleviotisci ghts rescisston_ or 
ification has been received and recorded by the Financial 
Institution. Any and all prior resolutions adopted by the goabtripagas_bl the Gorpete 
and certified to the Financial Institution as governing the 
operation of this corporation's account(s), are in full force and effect, until the Financial Institution receives and acknowledges an express written notice of 
its revocation, modification or replacement. Any revocation, modification or replacement of a resolution must be accompanied by documentation, 
satisfactory to the Financial Institution, establishing the authority for the changes.
(3) The signature of an Agent on this resolution ' 
lusive evidence of their authority lo act on behalf of the .Craiporation.‘Any Agent, so long as they act in a 
representative capacity as agents of the 
, is authorized to make any and all other contracts, agreements, stipulations and orders which they may 
deem advisable for the effective exercise of the powers indicated on page one, from time to time with the Financial Institution, subject to any restrictions on 
this resolution or otherwise agreed to in writing.
(4) All transactions, it any, with respect to any deposits, withdrawals, rediscounts and borrowings by or on behalf of the Qferpo4;ati mith the Financial Institution 
prior 
The 
a 
roes 
at
t:-45z
al 
of this resolution are hereby ratified, approved and confirmed. 
covt.C.Tier
(5) 
to the terms and conditions of any account agreement, properly opened by any Agent of the 
. The al 
authorizes the Financial Institution, at any time, to charge the Corporation for all checks, drafts, or other orders, for the payment of money, that are drawn on 
the Fir=titution. 
so long as they contain the required number of signatures for this purpose. 
(6) The C 
acknowledges and agrees that the Financial Institution may furnish at its discretion automated access devices to Agents of the Corporation 
to facilitate those powers authorized by this resolution or other resolutions in effect at the time of issuance. The term "automated access device" includes, 
but is not limited to. credit cards, automated teller machines (ATM), and debit cards. 
• 
(7) The acknowledges 
and agrees that the Financial Institution may rely on alternative signature and verification codes issued to or obtained from 
the Agent named on this resolution. The term *alternative signature and verification codes- includes, but is not limited to, facsimile signatures on file with the 
Financial Institution, personal identification numbers (PIN), and digital signatures. If a facsimile signature specimen has been provided on this resolution, (or 
that are filed separately by the Corporation with the Financial Institution from time to time) the Financial Institution is authorized to treat the facsimile 
signature as the signature of the Agent(s) regard 
of py whom or by what means the facsimile signature ^lay 
. e been affixed so long as it resembles 
the facsimile signature specimen on file. The 
3-authorizes each Agent to have custody of the Co 
h 
h's private key used to create a digital 
signature and to request issuance of a certificate listing the corresponding public key. The Financial Institution shall have no responsibility or liability for 
unauthorized use of alternative signature and verification codes unless otherwise agreed in writing. 
FOR FINANCIAL INSTITUTION USE ONLY 
Acknowledged and received on 
Comments: 
(date) by  
 (initials) El This resolution is superseded by resolution dated 
O 198S. 1997 e.mke2 Systems. Inc., St. CIo,d. MN Form 
enotraCase No. 08-80736-CV-MARRA 
• 
P-001 Pre' 2°12, 
EFTA00228550

MEMORANDUM 
TO: 
Nancy Bruno 
46
FROM: 
H. Loy Anderson, Jr./ /4 
DATE: 
August 7, 2001 
REF: 
Jeffrey Epstein 
Nancy, 
I am waiving the requirement for financial statements on the application for 
three corporate credit cards totaling $25,000 for Jeffrey's company NES, 
LLC issued in the names of 
ant.. 
111.1which 
are being guaranteed by Mr. Epstein. 
Case No. 08-80736-CV-MARRA 
P-001171 
EFTA00228551

Case No. 08-80736-CV-MARRA 
P-001172 
EFTA00228552

State of New York 
Department of State J 
I hereby certlb that the annexed copy has been compared with the original document in the custody of the 
Secretary of State and that the sung! Is a true copy of said original. 
DOS-1264 (5/96) 
A, 
Witness my hand and seal of the Department of State on 
,,,,,,,, 
•••• Of NE 
/Kt
O
A 
•JAFENer O • 
•• ...... ...•• 
AUG 1 7 long 
Special Deputy Secretary of State 
Case No. 08-80736-CV-MARRA 
P-00I 173 
EFTA00228553

DEPARTMEN1 OF ST1
_ 
VISION OF CORPORATIONS AND STATE RECORDS 
ALBANY, NY 12231-008 
1TITY NAME 
: NES, LLC 
FILING RECEIPT 
()CUM-NI TYPE 
: ARTICLES OF ORGANIZATION (DOM LLC) 
COUNTY: NEWT 
ERVICE COMPANY : CT CORPORATION SYSTEM 
SERVICE CODE: Ot 
ILED: 08/13/1998 DURATION: ********* 
CASH 4: 900313000430 FILM 4: 98081300041 
DDRESS FOR PROCESS 
......... 
EXIS1 DA1 
HE LLC 
.
•* OV NE it7:• 
--- 7. .. •.-• 
.,,s,' 
.e...'. 
08/13/191 
EAST 71ST STREET 
O . 
:  
EW YORK, NY 10021 
• &,(• 
EGISTERED AGEN1' 
d 
% 04 
tIS FILING HAS AN ASSOCIATED Pala 
ITCH THIS PUBLICATION IS TO BE MAX 
:E COUNTY IN WHICH THE ENTITY'S OFFftk. 
"INTY CLERK FOR FURTHER INFORMATION. 
D. 
001 .1. THE NEWSPAPERS IN 
BY THE COUNTY CLERK OF 
CONTACT THE RESPECTIVE 
 
•••=
FILER 
FEES 
210.00 PAYMENTS 
210.0 
----- 
----
LAUREN KWINTNER 
FILING : 
200.00 CASH : 
0.0 
457 MADISON AVENUE 
TAX 
. 
0.00 CHECK : 
0.0 
FOURTH FLOOR 
CERT 
•. 
0.00 BILLED: 
210.0 
NEW YORK, NY 10022 
COPIES : 
10.00 
HANDLING: 
0.00 
REFUND: 
0.0 
/S-1025 (11/89) 
= =
-......-
 
= 
Case No. 08-80736-CV-MARRA 
P-001174 
EFTA00228554

,
.AUG-12-98 16'17 FROM: 
10-,t23719042 
PACE 
3/4 
CT-07 
ARTICLES OF ORGANIZATION 
OF 
NE LLC (-9 8 0 8 1 3 0 0 0 Lim 
S, 
(Pursuant to Section 203 of the Limited Liability Company Law) 
The undersigned person, acting as an organizer of the limited liability company to 
be formed under the Limited Liability Company Law by the filing of these Articles, sets 
forth the following statements: 
FIRST: 
The name of the limited liability company is NES, LLC (the 
"Company?). 
SECOND: 
The county within the State of New York in which the office of the 
Company is to be located is the County of New York_ 
THIRD: 
The Company is not to have a specific date of dissolution in 
addition to the events of dissolution set forth in Section 701 of the Limited Liability 
Company Law. 
ESAIRM: 
The Secretary of State of the State of New York is designated as 
agent of the Company upon whom process against it may be served. The post office 
address within the State of New York to which the Secretary of State of the State of New 
York shall mail a copy of any process against the Company served upon the Secretary of 
State is 9 East 71r Street, New York, New York 10021. 
The Company is to be managed by one or more members. 
SIXTH: 
There are no limitations on the authority of the members to bind 
the Company. 
IN WITNESS WFFREOF, I have signed this document on the date set forth 
below and do hereby affirm, under penalties of perjury, that the statements contained 
herein have been examined by me and are true and comet. 
Executed on this  i ..711‘  day of August. 1998. 
Organizer 
Case No. 08-807k-CV-MARRA 
P-00 I 175 
EFTA00228555

FROM: 
10.4..23718042 
PACT .4,4 
9808130. 00 itici 
ARTICLES OF ORGANIZATION 
OF 
NES, LLC 
(Pursuant to Section 203 of the Limited Liability Company Law) 
Filer: 
Lauren Kwintner 
457 Madison Avenue 
Fourth Floor 
New Yo 
New York 10022 
ICC-
STATE OF NEW YORK 
DEPARTMENT Of STATE 
FILED AII6 1 31o9 
BY: 
CT-07 
casescssosd 
`13 
P-001176 
EFTA00228556

)ate: 08/21/2001 Time: 15 M
:45 Operator: AL 
)epartment: LOAN_OPS 
Repurt Type: FX 
Reference: ANN LUFFT 
AM-EPSTEIN,JEFFERY. 
2A-358,BRILLO,WAY,PALM BEACH,FL,33480. 
ID-SSS-
ENE BEACON SCORE: 
698 
00022/00010/00014/00020 
4CCOUNT NOT PAID AS AGREED, PUBLIC RECORD OR COLLECTION AGENCY FILING 
PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS 
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 
LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT 
SSN ISSUED -67 
STATE ISSUED-NY 
'GEO CODE: MSA 
STATE 
COUNTY 
CENSUS TRACT 
'358,BRILLO,WAY,PALM BEACH,FL,33480. 
INQ CURRENT ADDRESS 
FULL ZIP NOT AVAILABLE 
BLOCK GROUP 
• 240 EQUIFAX CREDIT INFORMATION SERVICES, 
P 0 BOX 740241, 
,ATLANTA,GA,30374-0241,800/685-1111 
•EPSTEIN,JEFFERY,E 
SINCE 04/22/77 FAD 07/10/01 
457,MADISON,AVE,NEW YORK,NY,10022,TAPE RPTD 01/99 
358,EL BRILLO,WAY,PALM BEACH,FL,33480,TAPE RPTD 08/98 
TELEPHONE NUMBER 
SPEC 02/01 
265,E 66TH,ST,NEW YORK,NY,10021,TAPE RPTD 04/98 
SSNVER - Y 
31,E 
32 EF-CONSULTING PRES,J EPSTEIN 
CO,NEW YORK,NY 
33 E2-,BEARS STEARNS 
FN-398 
*SUM-06/77-08/01,PR/OI-NO,COLL-YES,FB-NO, ACCTS:17,HCS0-97320, 16-ONES, 1-OTHER 
• 
 
 COLLECTION ITEMS  
LIST RPTD AMT/BAL DLA/ECOA AGENCY/CLIENT 
:0/98 12/98 $180 
08/98* 465YC93 
DRS BUSBUR 
$180 
U 
IMAGING ASSOCIA 
STATUS/SERIAL 
UNPAID 
2853977 
FIRM / IDENT CODE 
CS RPTD 
LIMIT HICR BAL $ 
DLA MR (30-60-90+)MAX/DEL 
ECOA/ACCOUNT NUMBER 
OPND 
P/DUE TERM 
24 MONTH HISTORY 
CHASE NA *426BB3859 R1 07/01 17100 
7313 07/01 60 
03/85 
120 
CREDIT CARD 
BLMD/FDSB *404DC21 
RI 07/01 
2001 
- - - 
0 
22 
I 
01/79 
CHARGE 
RKCARD SER*668ON9235 R1 07/01 
1000 
- - - 
0 12/00 31 
I/ 
11/98 
CREDIT CARD 
R1 07/01 
5000 
525 07/01 33 
10/98 
10 
CREDIT CARD 
HSBC BANK *100BB53 
RI 04/01 Cas!1\y).08e19)7cp-I2V-NNTA 0 
P-001177 
53 
EFTA00228557

. . 
t/521531700129 
10/96 
- - - 
PAID ACCOUNT/ZERO BALAN 
ACCOUNT CLOSED BY CREDIT GRANTOR 
;T 
•4470N17753 R1 05/94 
2000 
0 
37 
E r/ 
04/91 
CREDIT CARD 
:HASE NA •426BB3859 Ri 11/93 
3800 
0 03/92 41 
7/ 
12/88 
CREDIT CARD 
REVOLVING TOTALS 
30901 
8300 
7838 
130 
aM 
•9060N259 
01 08/01 
--- 97320 97320 08/01 01 
E/ 
10/77 
01 07/01 
--- 23888 
2784 07/01 01 
E/ 
10/00 
CREDIT CARD 
NMEX 
•9060N259 
01 07/01 
0 
0 07/01 01 
t/ 
06/77 
%7TWSNEPCS*444UT981 
01 07/01 
- - - 
0 
0 
13 
I/ 
03/00 
‘TTWSSEPCS*465UT68 
01 07/01 
0 
0 08/99 40 
11/92 
%TTWSSEPCS•465UT68 
01 07/01 
0 
0 08/99 40 
(/ 
06/89 
WTWSNEPCS*444UT981 
01 07/01 
0 
0 
16 
I/ 
10/97 
KTTWSNEPCS•444UT981 
01 08/00 
- - - 
0 
0 
06 
11/99 
- - - 
PAID ACCOUNT/ZERO BALANCE 
"17" 
4TTWSNEPCS•444UT981 
01 03/00 
0 
0 09/99 20 
I/ 
06/98 
OPEN TOTALS 
--- 121208 100104 
- - - 
GRAND TOTALS 
30901 129508 107942 
--- 
130 
CHASE NA *426883859 
11/98 
--- 06/97 
03/85 
CARD 
:t CREDIT CARD 
AMOUNT IN H/C COLUMN IS CREDIT LIMIT 
*INQs-TAmINSFEC 496I200338 07/10/01 
AT&T 
& 
END OF REPORT EQUIFAX AND AFFILIATES - 08/21/01 
910UT16679 11/03/99 
SAFESCANNED 
Case No. 08-80736-CV-MARRA 
P-001178 
EFTA00228558

Memorandum 
To: 
Dottie Wilson 
From: 
Eric Gany 
Date: 
B/6/0 I 
Re: 
Credit card application 
Enclosed please find a credit card application for NES, LLC. Jeffrey is the sole member (owner) of 
this company. We are requesting the maximum — $25,000 — credit line. Please forward this 
application to Nancy Bruno with a letter from the bank. We are not interested in giving Jeffrey's 
personal financial information. Thanks for your help. 
Case No. 08-80736-CV-MARRA 
P-001179 
EFTA00228559

AUTHORIZED INDIVIDUAL CARDHOLDER(S) 
LIST THE NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSINFSS PURPOSES: 
NAME (PRINT) 
SOCIAL SECURITY # 
SIGNATURE 
CASH ADVANCE ACCESS? CREDIT LIMIT 
OYES ONO 
OYES WO 
$ PICO() .--
 
OYES ONO 
 
OYES ONO 
TOTAL CORPORATE CREDIT LIMIT REQUESTED• $ 
Case No. 08-80736-CV-MARRA 
P-001180 
EFTA00228560