EFTA00227381

GUARANTY AGREEMENT 
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 UNLIMITED GUARANTY. Fa good and valuable consideration, and for the purpea(a) of Inducing Pen, Beach National Bank & Trust Company (tank') to 
coand. make. rare modify and ot continue to extend. make. renew or modify the Business CrecM Card Atcount of 
(the *Borrower) 
the undersigned Guenter (Way and severalty, d more than One. 'Guarantor) abseil-dory and wipes:Hansa guarantees and proases to pay to Bank or its order, on demand. m 
lesoluity Obtained Wei tender of the united Staters of Amince Me Account Indebtedness of the Borrower to Bank on the wens and conditions sat teal in this Guaranty. Under this 
GeesSy. to Witt cf Guarantor is untimiled and t* obligations of Guarantor ere continuing 
NATURE of GUARANTY. Guarantor's liability under Ina Guaranty &hal be open and continuous for so be as Nor Guaranty remains In Se 
Guarantor weeds to guarantee at 
ea Ss to perlamanc• art warp' payment when ire. whets at manta/eels 
by moth a satterallon a orsereres, of ea Accost anciebeedness 
Actaeon:ay. no 
payments made upon Ito Peace indeteedness we discharge or dmerth the conentng kabely of Guerwacir I comedban vile any reateineg poems a ore Account tridebtedness 
a any of the Account indebtedness each subsequently was a is thereeher intoned or contacted. Tin le not • special panty. 
DURATION OF GUARANTY. This Guaranty at take wed Won received by Barth valeta Ire netwarry of any accapabli by Bank a  STY nests to Gbaranibi a  310 Dueness. 
and will continue in full force WIN all ACCOunt indebtedness incurred or Centradial before recapt by Barterer, MIMI a MCCAW Nora lave been tufty and Malty peal and 
satisfied and all other obligations of Guarantor under this Guaranty shall have been performed n lull If Guarantor Meta 10 evoke das Guaranty. Guarantor nay only do so in 
writing. WriflOn revocation or this Guaranty will apply only to advances or new Account indebtedness created alter actual receipt by Bank of Guarantors written revocation 
This Guaranty and Guarantor's obligations hereunder remains fully enforceable irrespective of any claim, defense or counterclaim which Borrower may assert on the 
Account Indebtedness, Including but not limped to failure of consideration, breach of warranty, payment, Matta of frauds, statute of limitations, accord and Satisfaction, 
and usury, same of which Guarantor hereby waive, along with any standing by Guarantor to assert any said claim, defense or counter claim. 
GUARANTOR'S AUTHORIZATION TO PALM BEACH NATIONAL. BANK & TRUST COMPANY Guarantor sultrytteS Bank, either before or alter any revocation hereof. without 
notice or demand and without lessening Guarantor's liability under this Guaranty, NM time to time to eller, supplement, compromise, modify, renew, extend, terminate, 
aCcolorate. waive a otherwise change one or more limes the time for payment or other ter me, conditions, or provisions of the Account. 
GUARANTOR'S REPRESENTATIONS NC WARRANTIES. Guarani", represents and waireMS to Bank UW (s) nO reeesenUban a agmerronts of any kind have been made a 
Guarantor etch maid ant or quay In and way the *MS a It Guaranty. (b) Galan* ties. bas own satisfebon. adependena investigated (and reins thduswely or). (0 
Bataan veer Hatay. Op Bono vets payment Nils:nue, Santoa eery, and (n) Borrowers past. curet. and Protected Mittel ardent IC) Upon Bank's request Guarantor will 
provide to Bar* financial and aerie inecnneeort In toms scatted, to Bank and (d) Guarantor nu dritabaantati adwouata eneans ol obtaining from Borrow* on a Contriving bays 
infonnalion regarding Serowe's Weal condition Guiana agrees to keep adequate), informed from such means d any fags. events, a circumstances which rept in any way 
end Guaranty's nsks under this Guaranty, and Gutmann funkier age's that, absent a request lot Infattecon. Bar* ;ha have np obagabon to *Sane 10 Guarantor any 
insane+ a documents acquved by Bank in the courses of it, relate-IRK/ with Borrower 
GUARANTOR'S WAIVERS. Except as predate' by applicable err. Guarantor wanes any right to require Bank (a) to make any presentmant roast. demand. a notice of any 
Sind, including notice of any nonpayment of the Account indebtedness or notice of any action or non.action on the part of BOnOwlit a (b) to read for payment a to proceed directly 
or al once against any person. including Borrower a any other Guarantor. 
II now or hereafter Borrower shall be or become insolvent, Guarantor hereby forever wolves and relinquishes in favor el Bank and Borrower, end their respective successors, any 
claw, n it or remedy 10 payment Guarantor may now have or hereafter have or acquire against Borrower that arises hereunder grow performance by any guarantor Including 
without imitations, any clan. remedy or rivet of subrogation. reirnburtensere, exoneration, indemnificaton, or participation In any claim right a remedy of Barth against Borrower. 
whether or not such clan, rips or remedy wises in equity. under contrea. statute, cannon law or otherwise, by subrogation or otherwise, so that al no lane shall Guarantor be or 
become a 'trance of Sonoma yaw the meaning of IIUSC Section 547(01. a any successor prevision of the Federal bankruptcy laws. 
Guarantor ait waives dew and a %his a defenses fl ing by reason of any eleclon of remedial by Bank each destroys or otherwise adversely affects Guarantor's subrogatern 
rots a Guarantees ngT2s to proceed awe Borrower for reimburse* had* Scul andladtak any boo of rQ'ts Guiana may Rd* by taw of any law nog 
qualifying. Or caithilreeig tie Accent Indebtedness If payment k made by Borrasier, whether vaunts* a ceherwise, a by any Rid patty. on Ire Ataxia Indebtedness and 
thereafter Bank Is torso 10 remit the amount of Pet payment to Portant?* raiee In banknoicy or et any area person under eery ISO or stale beremplcy law a tar ty the 
relief et debtors. the Indebtedness WO be considered united for re papaw 01 anfereeleint of V* Gurrody. This deoesen rue are., contain ale Guaranty. 
RiGHT OF SETOFF. Guarantor authorizes Bank. to the extent permitted by appatabla law. to charge randy,. a setoff al sums tang 01 Ion ACCO-int against any and as de 
accounts sat forth below in the Accounts section without prior demand a nonce to Guarantor 
ACCOUNTS. Accounts shall Include all Guarantor's depinfis, accounts (whether checking savings, or some Odser accent) a securelem now a hereafter nee possession of a on 
depose with Bar* a with any Bank's affiliate or subsidiary Including vnthout limitation all accounts held belfry with someone else end all accounts Guarantor may open in the future, 
excluding. however. all IRA. Keogh and trust accounts 
MISCELLANEOUS PROVISIONS. The following misoflaneouS provisions are a part ol this Guaranty, 
Amendments. This Guaranty Othshlultat the twins understanding. end agreement of the parties as to the matters set form in. Is Guaranty and supersedes a snot understand.% 
si
and correspondence. oral or mitten, with respect 
ore subascl matter hereof. No alteration of or amendment to this Guaranty tall be effective was* given in writing and signed by 
the party a panes sour to be charged a bound by to Sretalion a amendment 
Applicable Law. Res Guwanty as be governed by and cossinrad ri accordance will to lows cd the gale where the Issuing Bank referenced stove maniere as urine/pal office 
Attorney's Fee; Espana. Guarantor agrees to pay upon demand an of Banes cogs and wanes. raging reasonable alleney'll ten and BOWS eon eapenses. MOSTIKI 
correction with fie Accauni or the statement of Et Guaranty. Bank may pay scram else le help stone des Guaranty avid Garet elan pay to costs and expenses of 
such erdocarnant Costs and aspens Include Bank's reasonable attorneys' lees and legal sins 
.freer a rot lee la • SSAl lor bestial Passearegi (and Intend 
efforts to modify a vacate any automatic stay a InIunceon). appeals. and any annealed posSjudprent C011eclices sands Guarani* able shad pry all coal costs and such 
additional lees as may be directed by the Court 
Interpretation. In all cases where there is more than one Borrower or Guarantor, Than all words used in this Guaranty in the singular shell be deemed to have been used in chi, 
plural where the control and construction so require, and where there is more than one Borrower named in as Guaranty or when tie Guaranty is executed by more than one 
Guarantor, the words Borrower and 'Guarantor respectively shall mean all and any one or more of then. The words 'Guarantor,' 'Borrower; and 'lank.' include the heirs. 
successors, assigns, and transferees of each of them. CaptIon headings in Ws Guaranty are for comelier* purposes only and are not to be used lo interpret a define the 
provisions of this Guaranty. If a court of competent iurisdebon finds any provision of this Guaranty to be Ski or unenforceable as lo any person or circumstance, such finding 
shall not render that provision invalid or unenforceable as to any other persons or orcumstances, and all provisions of this Guaranty In el other respects shall remain void and 
abrogate 
waiver Bane shalt not tie deemed to have waived any eights under ties Guaranty sit 
such Seer *given in wring and egad by Bank. No delay a omission on the pan of 
Bank in aseroskw any sold shall operate as a ate 
Of AO right a arty 0mw net A waiver by Bank of • prevision no Na GuarantY snag nor laggetaga or =awl* a 3a me 3' 
Banes right oases* to demand alt COrnalance SOW pciedon a wry ORS proeslon of It Gunray. No prior Saw by Bank, nor any COseui of deer. hews Bank and 
Guarantee, shad constaula a wee of any of Bank's Vita a Of BM Ci Guarantor* Obleallcas a to Soy ate tisclan. 
Whenever fa Weird el Brea required under Ins 
Guaranty, de granting of such sent by Bare hay Stenos and not consable Conant's-re consent IC subeequer4 instances Mere Wet consent a required and In all cases such 
consent may be granted or witted In Bo Ode denim Of Bank 
There are costs associated with the use a tile credit card. For Wet* inkernbenn regarding the costs. picas* wise us at Palm Beach MS* 
Bank & Trust Company, P 0 Bo. 
14218, North Palm Beach. Fads 33408 apes in al 5814244361 
The undersigned Canine ',that all statements In Ms Application and on each dottrel required to be submitted in connection herewith, IniLidasto federal Income tax returns, are lie 
correct and complete The undersigned authorizes Palm Beach National Bank & Trust Company to rely upon such statement,, make such Inquires, and gather such IntforMatiOn as 
Palm Beach National Bank A Trust Company deems necessary end reasonable to verify any information provided to Palm Beech National Bank S Tani Company on this Appearon 
on any such required document, Including Inquires to the internal Revenue Service, business credit reporting and credit bureau agencies and associations. and further authorizes 
Palm Beach National Bank & Trust Company, Its holding company and agates and related service corporalkso to exchange this application, the information contained In a 
whittled with INS Application and a banldng relationship Wormaten with each other end with business Credit tanning a credit bureau agencies and association, end Chadors of 
the unClertipn60 The undersigned further press to notify Peon Beach Natlonel Bank a That Company promptly of any material change in any such Inlormat on 
Tlw undersigned canna that haste has full authority to act on behalf of Applicant In connection with this credit request 
EACH UNDERSIGNED GUARANTOR ACICNOWEEDGES HAVING READ ALL THE PROYtstCfler f TreS Cavalanii Y AND AGREES W ITS TERMS 
GUARANTCR NAME PRINTED 
(Fr 
( LC) 
-EPs rcati 
SIGNAT 
DATE
/A.,
Case No. 08-8riSbrr 
FORM'S 990007 
REVISEBISMI DX 1 
EFTA00228461

LL 
:0131ICEATE AUTHORIZATION RESOL 
ION 
By. 
0-cS, LAC 
Referred to In this document as 'Financial Institution' 
LL 
Referred to in this document as Wisspateliezi" 
ytIC...ne ck 
LI-. C-
Federal Employer W. Nu 
 
 Only that I ern 
exec' eencgrartzed 
under the laws, it,
.  
12^II 
aeMiskir Calrah
t ir ntl5
Those resolutions appear in the minutes of this meeting and have not been rescinded or modified. 
AGENTS Any agent listed below, subject to any written limitations, is authorized to exercise the powers granted as indicated below: 
Name and TAY or Position 
Signature 
Facsimile Signature 
(if used) 
A.  
\CFELCV 
CPS TZIWA 
Ine
fi4iER
 
x 
 
X 
B. 
 
X  
X 
C. 
 
X  
X 
D. 
 
X  
X 
E.  
 
X  
 X 
F. 
X 
X 
POWERS GRANTED (Attach one or more Agents to each power by placny the letter corresponding to their name in the area Delcke each power. Following 
each power indicate the number of Agent signatures required to exercise the power.) 
Indicate A, B, C, 
O, E. and/or F 
Pt  
Description of Power 
(I) Exercise all of the powers listed in this resolution. 
(2) Open any deposit or share account(s) in the name of the Corporation. 
cr t_____ 
(3) Endorse chocks and orders for the payment of money or otherwise withdraw or transfer funds on deposit with 
this Financial Institution. 
________ 
(4) Borrow money on behalf and in the name of the Corporation, sign, execute arid deliver promissory notes or 
other evidences of indebtedness. 
(5) Endorse, assign, transfer, mortgage or pledge bills receivable, warehouse receipts, bills of lading, stocks, 
bonds, real estate or other property now owned or hereafter owned or acquired by the Corporation as 
security lot sums borrowed, and to discount the same, unconditionally guarantee payment of all bills 
received, negotiated or discounted and to waive demand, presentment, protest, notice of protest and 
notice Of nonpayment. 
__..t 
(6) Enter Into a written lease lot trie purpose of renting, maintaining, accessing and tem...nab:1g a Safe Deposit 
Box in this Financial Institution. 
 
 
(7) Other 
LIMfTATIONS ON POWERS The following are thti 
 o press brnitations on the powers granted under this resolution.
EFFECT ON PREVIOUS RESOLUTIONS This resolution supersedes resolution dated 
CERTIFICATION OF AUTHORITYPCnia• 
LLU 
I further certify that the Bewdeeireeters of thetorporatearl as. and at the time of adoption of this resolution had, full power and lawful authonty to adopt the 
foregoing resolutions and to confer the powers granted to the persons named who have full 
r nd lawful 
ty to exercise the same. (Apply seal below 
where appropriate.) 
. 
0 It checked, the Corporation is a non-profit corporation. 
In Witness Whereof, I li 
—1•Aircemponswen 
Indicate number of 
signatures required 
O 190, 1997 swan Sysloms. 
Cloud. MN form C. I 6/1099 toot 
If not completed. all resolutions remain in effect 
name to this document ancheamietiiiiiik.soisi-ef-itie 
(date). 
Attest-far Onwtither ester 
(page I cd 2) 
Case No. 08-80736-CV-MARRA 
P-001082 
EFTA00228462

RESOLUTIONS 
The 
named on this resolution resolves that, 
ce
striz:::1
.67k. 
(t) 
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 willtenenoticst 
Its rose's on or 
ification has been received and recorded by the Financial 
Institution. Any and all prior resolutions adopted by the aeart4wgjethirient the 
a 
and certified to the Financial Institution as governing the 
operation of thiS Corporation's account(s), are in lull force and effect, until the Financial Institution receives and acknowledges an express written notice el 
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 
conclusive evidence of their authonty to act on behall of IheLosporaten.seny 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) Al transactions, if any, with respect to any deposits, withdrawals, rediscounts and borrowings by or on behalf of the gierporationevith the Financial Institution 
prior to thp a_doption of this resolution are hereby ratified, approved and confirmed. 
_ 
(5) The Co& a M- -3grees to the terms and conditions of any account agreement, properly opened by any Agent of the LeispereeerThe CerWaSII 
authorizes the Financial Institution, at any time, to charge the Corporation for aN checks. drafts, or other orders, for the payment of nmney, that are drawn on 
the F 
a Inititution. so long as they contain the required number of signatures for this purpose. 
(6) The 
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 Mier machines (ATM). and debt cards 
(7) The aselleihrecknowledges 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 terrn 'alternative signature and verification codes* includes, but is not limited to. facsimile signatures on file with the 
Financial Institut:co, personal idenbficabon numbers (PIN). and digital signatures. If a facsimile signature specimen has been prowled 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 Ihe Agent(s) regard 
of py whom or by what means the lacsimite signature 
y 
been affixed so long as 4 resembles 
the facsimile signature specimen on fife. The 
—abthonzes each Agent to have custody of the 
'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 responsabOty or liabley for 
unauthorized use of alternative signature and verification codes unless otherwise agreed in writing. 
FOR FINANCIAL INSTITUTION USE ONLY 
Acknowledged and received on  
 
(date) by  
 (initials) g This resolution is superseded by resolution dated 
Comments: 
C
 
MSS. '09' cankers %canna. inc sin Clang. MN Fonn 
snoop Case No. 08-80736-CV-MARRA_. 
P-00 109O2 0 
EFTA00228463

MEMORANDUM 
TO: 
Nancy Bruno 
0
FROM: 
H. Loy Anderson, Jr. 
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, 
in the names of 
hich are being g 
Case No. 08-80736-CV-MARRA 
P-001084 
EFTA00228464

Case No. 08-80736-CV-MARRA 
P-001085 
EFTA00228465

State of New York .t.n.
Department of State J 
1 hereby ceretly that the annexed copy has been compared with the original document in the custody of the 
Seuetary of State and that the same is
 copy of said original. 
DOS-1266 (996)' 
Witness my hand and seal of the Department of State on 
......... 
• 
OF NE tr; 
••••S"' 
ifti 
, • 
O .• 
rot 
f. 
fv,'• 
44 • 
44., • 
4 7
/ 
ENT O' .•• 
"• ...... t" •
AUG 1 71498 
Spedat Deputy Secretary of State 
Case No. 08-80736-CV-MARRA 
P-001086 
EFTA00228466

IY...9..DEPARTMENT OF St 
VISION OF CORPORATIONS AND STATE RECORDS 
NITITY NAME 
: NES, LLC 
FILING RECEIPT 
OCUMENT TYPE 
: ARTICLES OF ORGANIZATION (DOM LLC) 
ERVICE COMPANY : CT CORPORATION SYSTEM 
ILED: 08/13/1998 DURATION: **am** 
DDRESS FOR PROCESS 
HE LLC 
EAST 71S1 STREET 
EW YORK, NY 10021 
EGISTERED AGENT 
ott 
ITS FILING HAS AN ASSOCIATED PUN,,1 
IICH THIS PUBLICATION IS TO BE MAX, 
:E COUNTY IN WHICH !HE ENTITY'S OFFiCE. 
HINTY CLERK FUR FURTHER INFORMATION. 
ALBANY. NY 12231-00c 
COUNTY: NLWY 
SERVICE CODE: 0/ x 
CASH t: 930313000438 FILM t: 9U021300041 
EXIST DA1 
08/13/199 
• 
• 
411. 
't• 
THE NEWSPAPERS IN 
TE'D BY THE COUNTY CLERK UF 
qppirto. CONIAC1 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: 
0.6 
)S-1025 (11/89) 
===== 
Case No. 08-80736-CV-MARRA 
P-001087 
EFTA00228467

AUG—I2 -90 16 , 17 FROM- 
10 ....2371 ,9042 
ReACE 
7/4 
ARTICLES OF ORGANIZATION 
CT-07 
OF 
NES, LLC (--9 8 0 8 1 3 0 0 0 H19 
(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. 
FOURTH• 
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 71E Street, New York, New York 10021. 
EMIL 
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 WHEREOF, 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 32141 correct. 
Executed on this I Zils day of August, 1993. 
Organizer 
Case No. 08-80736-C V-MARRA 
P-001088 
EFTA00228468

.": AUG'12..913. 16:16 FROM. 
ID.A423710042
PACE
9 
8 0 8.1 3 9 0 0 tin 
'477: 
%Xi 
a: 
Filer: 
ARTICLES OF ORGANIZATION 
OF 
NES, LLC 
(Pursuant to Section 203 of the Limited Liability Company Law) 
Lauren Kwintner 
457 Madison Avenue 
Fourth Floor 
New York, New York 10022 
(212) 750-9895 
!cc. 
STAR OF NEW YORK 
DEPARTMENT OF STATE 
FLED AUG I 3 1003 
TARS 
BY: 
CT-07 
ca-988686`811n 
P-001089 
EFTA00228469

1.
Date: 08/21/2001 Time: 15 ':45 Operator: AL 
Department: LOAN_OPS 
Report Type: FX 
Reference: ANN LUFFT 
SRI-EPSTEIN,JEFFERY. 
ZA-35 
L W 
M BEACH, FL, 33480. 
ID-S 
ENH BEACON SCORE: 
698 
00022/00010/00014/00020 
ACCOUNT 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 
tgEO CODE: MSA 
STATE 
COUNTY 
CENSUS TRACT 
-t358,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 
APEPSTEIN,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 B 
PE RPTD 08/98 
TELEPHONE NUMBER 
SPEC 02/01 
265 
TD 04/98 
BDS 
, SSN VER - Y 
31. ES-,SELF EMPLOYED 
32 EF-CONSULTING PRES,J EPSTEIN 
CO,NEW YORK,NY 
03 E2-,BEARS STEARNS 
FN -398 
"SUM-06/77-08/01,PR/OI-NO,COLL-YES,FB-NO, ACCTS:17,HC$0-97320, 
 
 COLLECTION ITEMS  
LIST RPTD AMT/BAL DLA/ECOA AGENCY/CLIENT 
10/98 12/98 $180 
08/98* 465YC93 
DRS BUSBUR 
$180 
U 
IMAGING ASSOCIA 
FIRM / IDENT CODE 
CS 
ECOA/ACCOUNT NUMBER 
CHASE NA '426883859 R1 
I/526327100944 
CREDIT CARD 
BLMD/FDSB •404DC21 
RI 
1/fir 
CHARGE 
RKCARD SER*6680N9235 Ri 
CREDIT CARD 
CHASE NA *4960N595 
R1 
I/ 
CREDIT CARD 
HSBC BANK *100BBS3 
RI 
16-ONES, 1-OTHER 
STATUS/SERIAL 
UNPAID 
2853977 
RPTD 
OPND 
LIMIT HICR BAL $ 
DLA MR (30-60-90+)MAX/DEL 
P/DUE TERM 
24 MONTH HISTORY 
07/01 17100 
- - - 
7313 07/01 60 
03/85 
120 
07/01 
2001 
0 
22 
01/79 
07/01 
1000 
0 12/00 31 
11/98 
07/01 
5000 
525 07/01 33 
10/98 
10 
Case No. 08-80736-CV-MARRA 
P-001090 
04/01 
--- 
8300 
0 04/00 53 
EFTA00228470

I/521531700129 
1(1/.96 
PAID ACCOUNT/ZERO BALAN 
ACCOUNT CLOSED BY CREDIT GRANTOR 
tTBC CLASS*4470817753 RI 05/94 
2000 
0 
37 
E7583029 
04/91 
CREDIT CARD 
3859 RI 11/93 
3800 
0 03/92 41 
12/88 
REVOLVING TOTALS 
30901 
8300 
7838 
130 
\MEX 
*90608259 
01 08/01 
--- 97320 97320 08/01 01 
-
I/ 
10/77 
AMEX 
*404888169 01 07/01 
r/ 
10/00 
--- 23888 
2784 07/01 01 
CREDIT CARD 
IIIIIIII*90608259 
01 07/01 
06/77 
0 
- - - 
0 07/01 01 
WTWSNEPCS*444UT981 
01 07/01 
0 
0 
13 
I/ 
03/00 
WTWSSEPCS*465UT68 
O1 07/01 
0 
0 08/99 40 
C 
11/92 
\TTWSSEPCS*465UT68 
01 07/01 
0 
0 08/99 40 
IAPAPPWIRMNAgamm 
06/89 
4TTWSNEPCS*444UT981 
01 07/01 
0 
0 
16 
- - 
OMPIMPPPPIPPIP 
10/97 
tt; 
ATTWSNEPCS*444UT981 
01 08/00 
0 
0 
06 
I/ 
11/99 
PAID ACCOUNT/ZERO BALANCE 
NTTWSNEPCS*444UT981 
01 03/00 
0 
0 09/99 20 
06/98 
OPEN TOTALS 
--- 121208 100104 
- - - 
GRAND TOTALS 
30901 129508 107942 
130 
CHASE NA *426BB3859 
11/98 
--- 06/97 
526327100939 
03/85 
LOST OR STOLEN CARD 
Ti CREDIT CARD 
. AMOUNT IN H/C COLUMN IS CREDIT LIMIT 
*INQS-TAMINSPEC 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-001091 
EFTA00228471

Memorandum 
To: 
Dottie Wilson 
From: 
Eric °any 
Data: 
8/6/01 
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 — 825,000 — 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. 
1 
Case No. 08-80736-CV-MARRA 
P-001092 
EFTA00228472

AUTHORIZED INDIVIDUAL CARDHOLDER(S) 
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 
DYES ONO 
DYES RNO 
t letcekb 
OYES ONO 
 
OYES ONO 
TOTAL CORPORATE CREDIT LIMIT REQUESTED: $ 
Case No. 08-80736-CV-MARRA 
P-001093 
EFTA00228473

tiug 
AUG 0C-01 12 30 FROM 
P. 1 
AuTHORIED INCIVICK:AL CA-WHO:LIE RISI 
usT TVE 44/4.4.4ES OF ALL EMPLOYES TO WHOM CARDS ARE TO RE ISSUED FOR Fil MISS  PURPOSES: 
VANCE ACCESS? CREDIT Lima 
111.111111.11.11Es 
AC/O 
s_LQ__Lql- 
 
 
OYES ONO 
 
OYES Ow 
S_ 
 
Chris 0 rca 
TOTAL CORPORATE CREDIT LIMIT REQUESTED: S 
a 
Case No. 08-80736-CV-MARRA 
P-001094 
EFTA00228474

Aug 06 01 02:58p 
AUG-06-01 13.39 FROM+ 
10.2127..2400 
P • 1 
PAGE 
1/1 
UST T 
NAMES OF ALL EMPLOYEES TO WHOM CARDS ARE TO BE ISSUED FOR BUSIISS PURPOSES: 
NAME (PRINT) 
SOCIAL SECURITY I 
SIGNATURE 
CASH ADVANCE ACCESS? CREDIT LIMIT 
 
OYES ONO 
OYES ONO 
OYEs 
io 
S 
OOO --
OYES ONO 
TOTAL CO 
TE CREDIT LIIAIT REQUESTED: $ 
Rkwhoin 
Case No. 08-80736-CV-MARRA 
P-001095 
EFTA00228475

kAi 
PALM BEACH NATIONAL BANK 
& TRusr COMPANY 
"It's Everywhere You Want to Be." 
July 26, 2001 
Eric Gany 
457 Madison Avenue 
New York, New York 10022 
RE: 
Visa Business Card/Jeffrey E. Epstein 
Dear Mr. Gany: 
We appreciate your request for a VISA Business Credit Card from Palm Beach National Bank & Trust 
Company. 
In order to expedite your request, please provide the following applicable items: 
• 
Business Card Application, with personal guaranty completed and signed (without corporate titles) on the 
reverse side of the application. 
MINIMUM CREDIT LINE - $5,000.00 MAXIMUM CREDIT LINE - $25,000.00. 
• 
Corporate/Partnership or Sole Proprietorship Authorization Resolution 
• 
For credit line requests exceeding $10,000.00 
1. 
Current year-to-date Business Financial Statement; 
2. 
Last two years of signed Corporate:Partnership Federal income tax returns OR an audited 
financial statement reflecting a minimum of the previous two years of financial information; 
3. 
Current signed Personal Financial Statement for each guarantor. Guarantor(s) listed on the 
application must represent at least 51% of the ownership of the corporation/partnership; 
4. 
Last two years of signed Personal Federal income tax returns for each guarantor. 
Guarantor(s) 
listed on the application must represent at least 51% of the ownership of the 
corporation/partnership. 
NI 
n !coup RCA 
III" IO 
III Cge.1§8 /08I_W011_rntrnft/ hiltlk(kR D 
.OR I I ) 
31410 
P IC /K I'M, o7.T'IM I rkr C.00177 M.( an 
P-001096 
EFTA00228476

Page Two 
July 26 2001 
Please return all completed forms and financial information to my attention at: 
BankCard Services 
3931 RCA Blvd., Suite 3102 
Palm Beach Gardens, FL 33410 
M 
If you have any further questions, please do not hesitate to contact us at 
. Again, thank you for your 
interest in our VISA Business Credit Card program. 
Sincerely, 
Nancy J. Bruno 
Vice President, Director of BankCard Services 
Enclosures 
Case No. 08-80736-CV-MARRA 
P-001097 
EFTA00228477

• 
• .r.. 
.... 
IV 
.nn 
'It 
I JV 
&WV° 
11160 LL4 
VI001/001 
Jeffrey Epstein 
July 26, 2006 
Colonial Bank 
Jeff 
Re: Main account #: 
VIA FACSIMIL 
NES, LLC 
FOURTH FLOOR 
457 MADISON AVENUE 
NEW YORK, NEW YORK 10022 
TELEPID3NE (212) 7104200 
TELEFAIC (212) 371-1042 
Please make the following changes to the above main account number: 
• 
Please change limit on 
to 56,000 
• 
Please change limit on nee . 
n to 56.000 
If you have any questions, feel free to contact me at the above number. 
Thank you, 
/ 
Bella Klein 
Case No. 08-80736-CV-MARRA 
P-001098 
EFTA00228478

Jeffrey Epstein 
Jeffrey Epstein 
6100 Red Hook Quarter, B3 
St Thomas, VI 00802-1348 
June 28, 2006 
Jeff Desmond 
Colonial Bank 
Re: NES LLC Credit Card — Account Number 4470 1153 4000 5213 
Dear Jeff: 
I would like to add a new credit card with a $5,000 credit limit to the above 
referenced account. The credit card will be in the name of 
Her 
personal information is as follows: 
Date of Birth: 
Social Security #: 
Home Address: 
I hereby grant permission for Richard Kahn to act on my behalf with any 
additional information that may be needed for this new credit card. In addition 
please mail the new credit card to Richard at: 
Richard Kahn 
Go NES LLC 
457 Madison Avenue, 4th Floor 
New York, NY 10022 
Thank you, 
Case No. 08-80736-CV-MARRA 
P-001099 
EFTA00228479

PER-11-06 17.22 FROM. 
1U.2127S02siMU 
1"041.k. 
1/2 
NEE, laL 
RXMIHFLOOR 
457AUDISONA 
NEW YORK. NEW YOR14 loon 
February 11, 2005 
Jeffrey 
Colonial Bank 
Re: Main account # 
VIA FACSIMILE 
TELEPHONE (212) 750-9790 
TELEFAX (212) 3714042 
Please make the folio • 
changes to the above main account number: 
• 
Add a new 
for Janusz Banasiak with a credit limit of $3,000, Social Security 
Signature attached. 
• 
If you have any qu 
ns, feel free to contact me at the above number. 
Thardc you, 
Eric Gany 
Jeffrey pstein 
Cas No. 08-80736-CV-MARRA 
P-001100 
EFTA00228480