EFTA00186431.pdf

CREDIT CARD UNDERWRITING WORKSHEET Applicant -leCc-rey CQStin Beacon Score 14 ES, t-LC. Co-Applicant Beacon Score 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: Other: Established since: Proposed Payment: EMPLOYMENT (5% of credit limit) Verified on: Total Expenses(B) Verified with: (B) S divided by (A) S Visa / Visa Gold MC 605 1 OCSS ...,tar_, O00. cc Credit Limit: $e Refey Offict, Yes No Auto Overdraft Protection: Approved By: Date:_ Date:_ Approved By: Exceptions to policy: OD tno-vtc tca.. Skt.y•. o r 10%.,5 --rpm re -tor n5 - Justification: EFTA00186431  ISAIThUSINESS CREDIT CARD ACICATION CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH # REFERRED BY: COMPANY APPLICANT COMPANY NAME: NATURE (TYPE) OF THE BUSINESS: NES ,LLC Real Estate INDICATE TITLE DESIRED ON THE CARD: (12,111E111Q24,Satcfa) 00000 ERELJEJEJE-000000000000CITY: BILLING ADDRESS: STATE: STREET ZIP CODE: New York New York 10021 9 East 71st Street TYPE OF ORGANIZATION (PLEASE CHECK):LLC DATE BUSINESS ESTABLISHED: FEDERAL EIN NUMBER: °CORPORATION PARTNERSHIP DPROPRIETORSHIP NAME OF CONTACT PERSON: MBER: Eric .n ( R(S) OWNER(S)/OFFICER(S)/PARTNER(S) WILL BE REQUIRED TO PERSONALLY GUARANTEE ACCOUNT(S). GUARANTO MUST COMPLETE THIS SECTION AND SIGN AT THE BOTTOM OF THE REVERSE SIDE OF THIS APPLICATIO N. GUARANTOR 1: FIRST NAME MIDDLE INITIAL LAST NAME DATE OF BIRTH SOCIAL SECURITY NUMBER Jeffrey E. Epstein RESIDENTIAL ADDRESS: STREET: APT#: CITY: STATE: ZIP CODE: YEARS AT ADDRESS Palm Beach, Fl 33480 10 358 El Brill° Way MONTHLY MORTGAGE/RENTAL PAYMENT HOME TELEPHONE NUMBER OWNERSHIP STATUS: SOWN clegNT 11OTfiER- n /a $ % OF OWNERSHIP TIME WITH COMPANY: OF MBER POSITION WITH COMPANY: 100 3 yrs Sole Member MIDDLE INITIAL LAST NAME DATE OF BIRTH SOCIAL SECURITY NUMBER GUARANTOR 2: FIRST NAME STREET: APT#: CITY: STATE: ZIP CODE: YEARS AT ADDRESS RESIDENTIAL ADDRESS: OWNERSHIP STATUS: MONTHLY MORTGAGE/RENTAL PAYMENT HOME TELEPHONE NUMBER 1 nowN °RENT BOTHER: % OF OWNERSHIP TIME WITH COMPANY: OFFICE TELEPHONE NUMBER POSITION WITH COMPANY: 3. BANKING & OTHER CREDIT CARD RELATIONSHIPS IMISING ACCOUNT # OTHER ACCOUNTS PRIMARY BANK Chase Bank DI OAN DSAVINGS ACCT °CREDIT CARD OTHER BANK: TYPE(S) OF ACCOUNT(S Personal account of Guarantor ): OCHECKiNG ACCOUNT rioAN °SAVINGS ACCOUNT OCRFDIT CARD Palm Beach Bank ACCOUNT NUMBER: DATE OPENED: BALANCE: AMERICAN EXPRESS ONO $ CORPORATE CARD? OYES ACCOUNT NUMBER: DATE OPENED: BALANCE: VISA BUSINESS OR S CORPORATE CARD? DYES ONO ACCOUNT NUMBER: DATE OPENED: BALANCE: MASTERCARD BUSINESS OR CORPORATE CARD? DYES ONO AUTHORIZED INDIVIDUAL CARDHOLDER(S) LIST THE NAMES OF ALL EMPLOYEE S TO WHOM CARDS ARE TO BE ISSUED FOR BUSINESS PURPOSES: NAME (PRINT) SOCIAL SECURITY SIGNATURE CASH ADVANCE ACCESS? CREDIT LIMIT Shannon Pascuzzi DYES 'ONO 10,000.00 DYES ()NO 10,000.00 Emm Ta ler OYES ONO & 5_000 on Tonirha Mackenzie DYES ONO TOTAL CORPORATE CREDIT LIMIT REQUESTED: $ BILLING OPTIONS gONE CONSOLIDATED MONTHLY STATEMENT OINDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH (CALL US FOR DETAILS) °STANDARD QUARTERLY REPORTS PACKAGE °ENHANCED REPORTS PACKAGE OPTION 6. SIGNATURE additional Information concerning Company's credit Information and obtain Appbcant represents that this Information 13 ins and complete. and authorizes creditor to verily the VISA Business Card Regulations. stancreq, and lo.fumish such credit information tO others. Company press lo be bound by end obacralad according to the aedltor's for other than personal, family household or agricultural Applicant represents and warrants that the credit card account will be used primarily (SOY. or more) purposes. Applicant understands that this representation is to confirm that no disclosures are required under the Federal Truth-in-Lending law. Applicant requests establishment or an account for each user designated above or On the attached Ask as May be amended n writing from lime to time by Applicant. Each such designated person is an authorized use sly to use the account designated for such authorized user until the creditor is notified to the contrary In willing by the Company. APPLICANT SIGNATURE: DATE- PRINT NAME: CORPORATE TITLE: vv. • EFTA00186432  RSIMUSINESS CREDIT CARD A - tICATION CREDITOR: PALM BEACH NATIONAL BANK & TRUST CO. BRANCH U REFERRED BY: COMPANY APPLICANT COMPANY NAME: NATURE (TYPE) OF THE BUSINESS: ?OA._ C -S - F.4-T" C. IQ CS LL - C, INDICATE TITLE DESIRED ON THE CARD: (I !NM/ TO 24 SPACFS) 0 0 0 0 0 0 0 0 0 0 0 El 0 0 0 0 0 0 0 10 0 0 0 0 STREET: • ITY: STATE: ZIP CODE: BILLING ADDRESS: 7 E-A-T lictSTvz.c-C-r- TYPE OF ORGANIZATION (PLEASE CHECK): D...(__ . DATE BUSINE S ESTABLISAED: / f\.) c-t0 /c02 FEDERAL EIN NUMBER: OCORPORATION OPARTNERSHIP ItfPROeRfET ORSHIP / / NAM F CONTACT PgON: PHONE ER: ■ OWNER(S)/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. GUARANTOR 1: FIRST NAME MIDDLE INITIAL LAST NAME i DATElF SO FIFTY NUMBER .);rieE. , NI • a PST-q- zv RESIDENTIAL ADDRESS: STREET: : CITY: STATE: ZIP CODE: YEARS AT ADDRESS (23Si el— cb vjal 33V ° OWNERSHIP STATUS: MONTHLY MORT RENTAL Pfi.,yMENT HOME TELEPHONE NUMBER ,WN DRENT 11OTHFR: s pe: TIM WITH COMPANY: OFFICE TELEPHONE NU DER ‘POSITION WITH COMPANY: --rvThr5 44-n.„ % OF W NERSHIP ruS • GUARANTOR 2: FIRST NAME MIDDLE INITIAL LAST NAME DATE OF BIRTH SOCIAL SECURITY NUMBER RESIDENTIAL ADDRESS: STREET: APTU: CITY: STATE: ZIP CODE: YEARS AT ADDRESS OWNERSHIP STATUS: MONTHLY MORTGAGE/RENTAL PAYMENT HOME TELEPHONE NUMBER 1 DOWN ORENT OOTHFR: POSITION WITH COMPANY: Ye OF OWNERSHIP TIME WITH COMPANY: OFFICE TELEPHONE NUMBER 3. BANKING & OTHER CREDIT CARD RELATIONSHIPS PRIMARY BAN BUSINE OTHER ACCOUNTS C 'Nets 41%.„ OAN DASAVINGS I8RFDIT CARD OTHER BANK: TYPE(S) OF ACCOUNT(S): •Fc4-Soc4 4- ts-OJ.c.SiS c L444.4 A.crtfriC 1 A AL* " nCLIFCKING ACCOUNT a OAN °SAVINGS ACCOUNT °CREDIT CARD AMERICAN EXPRESS ACCOUNT NUMBER: DATE OPENED: BALANCE: cORPORATF CARD? FIYFS ONO $ VISA BUSINESS OR ACCOUNT NUMBER: DATE OPENED: BALANCE: CORPORATE CARD? OYES ONO $ MASTERCARD BUSINESS OR .ACCOUNT NUMBER: DATE OPENED: BALANCE: CORPORATE CARD? OYES ONO $ : 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 AI PA S C OYES 3 A;OCO• 00 ,c 4 11 i• 0 E_ Is ifit i_ a all ‘_ iN OYES ;St,* /0 / 000.ea Men L. - — , t, . ei(J , a tn.)2.-1 C .L1' OYES 3 C; On. pc) DYES ONO TOTAL CORPORATE CREDIT LIMIT REQUESTED: $ 5. BILLING OPTIONS ONE CONSOLIDATED MONTHLY STATEMENT °INDIVIDUAL ACCOUNTS BILLED SEPARATELY EACH MONTH DETAILS) °STANDARD QUARTERLY REPORTS PACKAGE °ENHANCED REPORTS PACKAGE OPTION (CALL US FOR 6. SIGNATURE verify the Information end obtain additional Inexmallon concerning Company, credit ApfaliCiMI represents that this inlonnalion Is We end complete, and authorizes cradle:, to standing. and tolumlsh such credit information to others. Company agrees Co be bound by and obligated according to the creditor's VISA Business Card RegulaliOns. other than personal, lenity household or agriCultural Applicant represents and warrants that the credit card account will be used primarily (50% or more) for Federal Truth-in-Lending law. autocue. Applicant understand. that Ulla roptasentation la to confirm that no disclosure, are required under the Acticant requests estabilshrnri of an account for etch ed user above or on attachedIA as may be amended in rating room time lo cone Applicant. Each such designated person is an motivated user Atm • ly to use the designated for such authorized user unfit the I:rodeo/ is notified to the Lc to/ contrary In vnidng by the Country.. . APPLICANT SIGNATURE: DATE: Ceti; retki SIC IN) CORPORATE TITLE: vv,(2) (2.. PRINT EFTA00186433  V.I5Ae Businesa Card ReguDn s Ihe undersigned Holder agreenthe folio ing terms and conditions: • da of .....ge2ti 0 Dated.thi Pala Beach.National Bank & Trust Co. Name of Holder ALE- Sri_c_c_ 3931 RCA Blvd. Suite 3102' Pala Beach Gardens, Florida.33410 BY: Auth Title 1. Agreement. These regulation's govern the possession and use of any payments or credits, unpaid late charges, unpaid membership fees and of ion other unpaid fees. This gNes us the daily balance. Then, we add up all VISA Business Cards ("care) issued by Issuing Financial Institut the total by the number of the daily balances for the billing cycle and divide ('Issuer). Each party that applies for a:VISA Business Card is referred to This gives us the average daily balance . Interes t days in the billing cycle. in these regulations as a Holder. Issuer shall establish an account for es beginni ng on the date the purchase is posted rized accrues on credit purchas each Person designated by Holder as an authorized user (*Autho is paid to the account unless the Previous Balance shown on the statement User). Holder consents and agrees to these regulations and to.the terms to the Closing Date of the stateme nt. Credit purchases made or in full prior 'contained on the cards, any, sales drafts, credit adjustment memos d from User. during the statement period and the Previous Balance will be exclude cash advance drafts signed by or given to Holder or any Authorized ion of average daily balance if the Previou s Balance shown on .the calculat The provisions of these regulations, as they may be amended from time Interest ons. the front of the statement is paid in full prior to the Closing Date. to time as provided in these regulations, govern Holder's obligati es begins to accrue on the date the advanc e is posted to cards, on cash advanc notwithstanding any additional or different terms contained in the by paying in any the account. 'Additional interest on an account may be avoided fi sates drafts, credit adjustment memos and cash advance drafts or full the New Balance shown on the accoun t's monthly stateme nt within 25 es an other documents evidencing an account transaction. Holder authoriz at any days after the Closing Date for that statement investigation of its credit standing prior to the issuance of cards and g addi- 7. Additional Fees. Each account shall be subject to the followin time thereafter, and authorizes disclosure of information to third parties tional lees: (1) $li t /or n/a % late charge H any minimu m paymen t s any relating to its credit standing. If Holder or Authorized User request is not paid in full on or before the due date shown on the monthly stateme nt VISA Business Card services, Holder or Authorized User consents to the mini- USA, Inc. issued immediately after the monthly statement on which the unpaid release of Holders or Ainhorized User's personal data to VISA mum paymen t first appear s; (2) $ 10.O0 for each cash advanc e; (3) $$ for and its member financial institutions and/or their respective contractors for replace ment of a card; and (4) reasonable charges according to the the purposes of providing such services. then, current fee schedule for additional copies of monthly statem ents, rship fee of 2. Membership Fees. A nonrefundable annual membe Fees impose d will be posted to the amoun t. drafts and receipts requested. — $ la/ a will be assessed per card for the first n/a card(s) issued. ctions. If a Holder s card is used to effect a transaction per card if 8. Foreig n Transa cards are issued,1$ — $ nisi per card if n/a in a foreign currency, the transaction amount will be convert ed to U.S. dol- _ n/ aoards are issued, and $ .n/a per card if nat hards are issued. VISA convert s foreign currenc y to U.S. dollars s purposes lars by VISA International. Holder represents that cards will be used exclusively for busines using either the govern ment manda ted exchan ge rate or the wholesale and not for personal,, family, household or agricultural purposes. exchange rate, in effect one day before the date of the conversion, as for purchas es from a mercha nt or cash advanc es 3. Use of Card. Credit ble. The exchan ge rate is increas ed by 1% if the conversion is made presenting the • applica .. from a participating financial institution may be obtained by in connection with a charge to an account end decreased by 1% if the con- ating financia l instituti on, and, if request ed, card to the mercha nt or particip in connec tion with a credit to an accoun t. The date of con- the appropriate version is made by providing the proper identifying information and signing version by VISA may differ from the purcha se date and the posting date liability for pur- drafts. Failure to sign a draft does not relieve the Holder of identified in the monthly stateme nt for the accoun t. Holder agrees to pay obtain cash chases made or cash received. The card may also be used to charges and accept credits for the conven ed transac tion amoun ts In accor- is used with the advances from certain automated equipment provided it dance with the terms of this paragra ph. and frequency correct personal identification number (TIN"). The amount 9. Disputes. Issuer is not responsible for refusal by any merchant, finan- be limited .. Except as provide d below with of cash withdrawals may ted equipm ent to honor or accept a card. Issuer rized use where Issuer has issued cial institution or automa .to Holder' s liability for unautho s obtaine d with a card and respect will be liable up to a has no responsibility for merchandise or service ten (10) or more cards at Holder's request, Holder any dispute concerning mercha ndise or service s will be indepen dently set- $50.00 for the unautho rized use of a card or PIN issued at maximum of tled by Holder with the merchant concerned. receives notification Hoiders request for charges that occur before Issuer 10. Default Holder covenants to observe and comply with these, regula- of a card or orally or in writing of loss. theft or possible unauthorized use tions and not to permit an event of default to occur. Holder further atHolders request. PIN."' Issuer, has issued .ten 00) or more cards covenants not to take any action or permit any event to occur which materi- be liable for any.an d all u * nautho rized use of a card. the occurrence of any Holder will. ally impairs Holder' s ability to pay when due. Upon Authorized User if Unauthorized use is any use by in individual other than one or more of the following events of default ; (a) Holder fails to pay at of the card or without the knowledge or Consent of the Holder. Any use ' least the Minimu m Payme nt when due; (b) Holder dies, ceases to exist. dge or consent PIN by an Authorized User, or by any other with the knowle changes residency to another state, become s insolve nt or the subject of or stolen cards of the Authorized User, or Holder, is authorized use. Lost bankru ptcy or insolve ncy procee dings; (c) Holder fails to observe any by notifyi Bankcard or PINs should be reported immediately toissuer covenant or duty Contained in these regulations; (d) any item in any finan- Center,. P.O. Box 1 t 11, Madiso n, WI 53701. 1111, Telepho ne Issuer is false in any material respect cial stateme nt delivere d by Holder to all charges, fees and IM or 1-800;221-5920. Holder shall be liable for when given; or (e) the occurrence of default under any agreement securing other costs that accrue on each accoun t. 's account shall, at d of the amount the obligations hereunder; the full amount of Holder 4. Credit Line. Holder will from time to time be informe . Issuers option become immedi ately due and payable . Holder agrees to hed for Holder, and of the approved credit line under each account establis pay all costs of collectio n before and after judgme nt, including reasonable purchases or bor- Holder covenants not to make, authorize or allow credit attorneys fees (including those incurred in succes sful defense or settle- amount . Howev er, notwith standin g such credit t to any action or pro- rowings in excess of the ment of any counter claim brough t by Holder or inciden is liable for all purcha ses and borrowi ngs made with its cards t to the United States Bankruptcy line, Holder ceeding involving Holder brought pursuan by it or by anyone authorized to use.the cards. Code). address identified by Holder, may be terminat- 5. Payment. Holder will be furnished at the at the end of it. Termination. Holders consent to these regulations each billing period or at Holder's a monthly statement for each account for or more. ed at any time by surrend ering the cards issued to Holder an undispu ted debit or credit balance of $1.00 Holder' s obligati ons as to any . which there is on demand. II Issuer does request, but such termination shall not affect Termination by The lull amount billed ('New Balance') is due balances or charges outstan ding at the time of termina tion. the monthly billing state- User. Unless sooner termi- not demand payment of the New Balance on nt of the any Holder shall be binding on each Authorized or, (b) a Minimu m Payme on the date shown on the . ment. either (a) the New Balance be paid with- nated, the privilege to use the cards Shall expire or 5 % ol the New Balance , shall to Holder and without affecting Holder's — greater of $ 20. cards. At any time, without liability nt. Payments must in 25 days after the Closing Date of that billing stateme liability for credit previou sly extende d, Holder s privileg e to use the cards rd Center , Milwau kee, Wiscon sin, 53288- 0200. extent not prohibited by law. be made at Bankca may be revoked or limited by Issuer to the in crediting the Payments made at any other location may cause delay The cards are and shall remain the propert y of Issuer and Holder agrees to Payme nts receive d after 2:00 P.M. on any Monda y through . Holder agrees to notify Issuer of 1 accoun t. surrender them to issuer upon demand time on any non- privileges. Holder shall Friday.but excluding federal legal holidays, or at any any caecella tion of an Author i;ed Users chargin g on the following bank- Users whose privileges banking day.will be considered as payments made addition al return to IsSuer any cards issued to Authorized be applied first to interest . se