EFTA01269393

, 'aunt NUM Mgt icetqz : i Tel: Z ress41 /2 101-.(...t.OXT.a.n SS . a .av:svarA ka-ccrzio Name: Laurel. Me. EIN: Name: Je , SSN: / r EDT No Name: SSN: ElYTYPel No: Name: SSN: ', ID Type: ifwe bat% adagrakegeImes outing No: at oleoteaccouo Anaheim's Fsm prepared 6 IC- • Baca,ItIkeution Sktriag end Pzinty AlllhOthelb Po...‘", ad the proctn run and km --....,...---'— ceounType , Account Dumber: I Sign • "eq. Date: C Acktress:- . I //AZ Tel- uker-e001C- IICAA.ail\C?)3 . /5 1, 3A.‘r is COS-)..>, . Name: LIMA Inc- . EN: 660776877) - : Dames Indy, r . SSN N Name: S ID Type: No: Name: SSN: ID Type: No- Mc hereby ackneralcdp bang mend I [N....a...A I.... /1. . ../ .. • ,./ , .— au: O.potu Account AptameoL <Ix Tim &mut? Infonnoice Sharing and Pnrety Aythorized b Pity. sad the Maxi ma sad ins. • • First Bank ItrAllItIlti A RIA)1711REHENTS I nto/ Le TO HE .t TRUE .IN ENACT MON OF THE ORIGINAL S GM 00013583 CONFIDEISITIAL III RI: FirstBankPRO00746 CONFIDENTIAL EFTA_00124226 EFTA01269393 1 First Bank Customer Due Dnigence for Business - Entities Existing A«ount Number Busks Ce namm Employer Ideribfication or Social Security Number Laurel Inc. : 66-0776877 DM Name grapplicable Social Security Number (if applIcablel: Pryslcal AddMss: Mali rog ddress: NagSp Hoo c _rtsr 83 6J2) Rid Hook Quarter 83 SI. Thomas VI 00802 St Thomas USVI 00802 _ USineSS Phone Emil: 2 4::sneessiEnti Descri Type of Business _ Pcidtreg Comp. Not doing Bus. NAICS: poitio Annual Salts: N/A Date Established: _ 11/2212011 Number of Employees: . 0 Number of Dikes: 1 0 CBA 0 Cceporatcn • 0 Nonprot Corporsion 0 ', wowing, Type of Ennty ID Government Agency 0 Unincorporated MacronaEntity 0 Limbed USbilly Company 0 Other. E Cc rtific ate of De pos It 0 Chic ng 0 Sating 0 Loan 00thor, specify 4 Account Purpose LI Payroll IS1 Operational ❑ Trust 0 Retie Funds 0 ATM thine CI Esnow 0 Tinter Funds ❑ EaretPonnal 0 Irwin:erne Other Transactor Dasisat Inn 0 1 • 10 0 11 -20 0 21 amore. Crates TowAmount 0 $i-54000 0 St001 425.030 0 S25.001 omens 0 Cosh 0 Payed 0 mean Transits 0 Ad/ 0 Checks El P08 Monsonion NM 0 Electronle TWOS 0 Other. O 1.10 0 11 • 20 0 21 or rests Debits Tressetftas Teei Aromarti ❑ si • 18.000 0 $5.001 • S25.000 0 $25.0310 mom O can 0 Payrol 0 Accost Transtars ACH 0 (Rods 0 PCS Tramminkm Typo O eadionic Dangles 0 Oise 01Mornitionel Tiaismilons —Vas Transient nkei - 0 IncornIng Transfers 0 Outgoing Tra nsfers, 0 ceity 0 west/ 0 matt. 0 my 0 weekly 0 monthly. rnestons 0 1 .10 0 11 -20 0 21 -50 0 51 camera Dissectors 0 1 -10 0 11 —20 0 21 -50 0 51 gross Tadeldbootatt 0 st • SNI.000 0 525.001 -1500.0:0 0 SSOSCO1 a ewe OaMIAmours 0 it -126/000 0 MMO • 000030 0$50).031 * caws. countess — pales Initial Deposit SI Ann it Origin of Folds: slinds---. II the metal deposit ta greeter than 1500.000: rideata the source of wealth: • 001r answer e its Nat bast one are istreng. iv den MI be oradertillepl rele anOtonlwadIce is reeded se emaSNh n In Cm Dogma Cradel &ammoref immure or Entros Ossedered as MPI pet • fine anew b O. E or Fe res tine altaltettalran lips to Censers, Dryades* SSA Stan a ragweed. Yoe No, A Is the NAICS selected sips uric? B. Does the business eats a private ATM machine on sees 0 C. Is the business a %twee mgancatictee 0 D. Is the Napless a InCabail commtee a traannlattOn? E is the ouu nest mated to an Offs= of a foreign govenvnent, itiO0ite OtO Pipe of reateriship F Is the toe rime engaged in aetwbes reined to Internet 0.emtlinci, Name of the Representative wino attended your call: Response to Employer taint/neaten or Social SeCtinty• Year Response on Industry Behavior 4Fn, Men --O06C0M Signom ft.. . 50Va Comments, it BMOCS*: 8CORDS cm Bank :GI 1. 111:1)1 INENE X I S I nservlswed • 7/41 smetaesnt.. pore 1 klAl lIkR itt I TRUE .IN 0 VAAL 1 COPT OF tilt OR1111LIF titot430141•1 S GM 00013584 CONFIDENTIAL CONFI DE 11e i••Il 11 L ar. FirsteankPRO00747 EFTA 00124227 EFTA01269394 Customer Due Diligence Business Accounts Virgin Islands 1. Business Information Account Title ("Depositor): LAUREL. INC Account Number S.S./TINJEIN: Physical Address: RED HOOK PLAZA QTR B3 Mailing Address: 6133 RED HOOK QTR B3 ST THOMAS VI 00802-0000 ST THOMAS. VI 00802-0000 Beefless Tenpins** (340)7752525 Business Fax a internoswebsite Address: Line of Business: Office Administraeve Se NAGS Code: 581110 Date Established: 11/20/2011 Annual Sales: $0.00 Nbr. Of Offices/Branches: 1 Nbr. of Employees: I Elkeigedie O Own O Lease MONSIIII0 Advertisement 0 Current Client 0 Other Contact Person Name 8 TO> - Contact Pence, TeephOne a 2 Account T •0 0 Sole Pf006, 1048hIP 0Partnership 0 CorPotalflOn .0Noo-Profit 0 U.P OLLC O Other LOOM p Connecta( Chathrog Ccacrverclal tea Checking Government Checking Contnrcial ChoOeng ICKTA Authorized Signer Name: Arranged 00 EA/ranged CO Offshore (BVt) 0 Arranged 00 08A 3 Gonenenent Statement fy 3. AuthonZod Si t - r C. m Ycte the l • . JEFFREY EPSTEIN 03111611eftial Statement SV Commercial DBA Statement SV Conerarcial MaAmIzer SV ccereneeciai DBA mecums, SV 0 DI UI O €14240MakW CColineYeal Passbook Savings Government Passer:PP Savings Cottate cf Deposit Omer: COMMERCIAL CHECK A Physical (Home) Address: LITTLE ST JAMES ISLAND Occupation: FINANCIAL CONSULTANT Personal Maine AddreSS: 6100 RED HOOK MRS STE 83 ST THOMAS. VI 00802-0000 ST THOMAS, VI 00802-1348 Social Dated Binh Flax of Binh: US Citizen of: O V20:1953 Perna Telephone Number. Business Telephone Number Motile Number: I Emal Aare's: (340)775-8100 (340)775-2525 IJEBRENICATTGLOBAL.NET intilfaM005 : Photo Idenekaticei Type 8 Number IderdifiattiOn Espirabon Date: I PaSSPORT-207320: 10/10/2012 r ❑ . explain 0 YES aRwN OF AppLc 0 ealligatiaerilkialillitikif O Yes O No. explain why: Mall The [teeniest hereby waft that FIndlank Ms been desIgnated as a depository d t drafter area ninth's reweave the laicansion contained in tie Gies Informs/bon Sine (KYC) and finds it non/ate on eon date. The Depositor has received and agrees to the Teens and Agreements tar 0.ornineroal Accounts and Rates and Fees Snedue currently in effect and as nay be amended Mete bee of account and semces It has selected. Under penalties of Oteay. the Depositor Cerofts hat (1) The number shown Co this kern is Pie Correct tie i6entifiCiakin number and (2) that In Dcposncr a not newt to backup wanton° ather beause. (a) 4 has not been notified by the Interval Remiue service (IRS) that it is swami to wienciang as a resell of faltre to repel ail intennt or dm/owes. or (b) that the IRS has not/fled me Deonta that t is no longer subject to backup ynthhcM nu or it is exempt tom backup wrIncldng. (3) the Deposnor is a U,S. enemy. (Cross out subpart 215) if it is net true. If Statement 3 is not true, cross out and complete an apponiate Fcan W-8) The Internal Revenue Service does not require your consent to any peoeislon of this document other than the Certificauon required to avoid backup withhoicfing. Date AirthOresel Signatile Tee iSeeetallidfteda X 5. Initial D Amount: $1,00000 Type: CHECKS O pligszlisspowt,ovorS500,000t4apg PocisnarS %era of s.n446;ii Cif NOVAK Od Waal . tbAn b Comet erinr-nornini _ 6. Ex hictod Tru: lions (Month . . ..---. : .. O Yes O No —— . . .. . . . O Yes O Ho Credits: No of Transactions: O 0-10 O 11- 20 O 21- 60 O Other 6 -10 Total Amount ($). 55.000 O 54 S5.000 O S5001 - S15.000 O $15.001 - 650.000 O Other $1001- $5000 Types O Cosh O awck. O littarEfronslees O VW* Owls, a POS O Papal O Pict Ospcslt O lionismirl ChinsAloney Orders O API O Oar CASH OEM= No. of Tnnaclione: O 0.10 O 11 - 20 O 21 - 50 O Other. 6.10 TOR Arlan (5): O SO - 56.000 O S6.001 415.000 O M.& - $50.063 • 1 • S5000 , , Type: O Cash O Checks O Mixon flambee O hire Transfers Bank D P3yror O Oman DePtcs O Mnbbert CbacksAkesy Orden O ACM _ H _____ , 4 an n. NTS Cun t O The O No Account Current O Yr O No ' :. tu a "a- Account MOP Account l' ESTIFRED TO RE .1TRUE AND Francis Inset/at Fmarboat inset:Wave EXACT COPY OF I HE ORIC1AM SD Y_GM_00013585 CONFIDF N„ M YX03126 seems T orsi a • PASO. a/SeeV* ArtieRe Ill I NW RI. CONFIDENTIAL First8ankPR00074 EFTA 0[)124228 EFTA01269395 F rilfinrint I"erIMM ' ar ffine" ffi liffirrirrn Afirril.Millini. Authorized Signor Name: DARREN INDYKE Cut" oat Titlui- Physical (Home) Address: 2 KEAN CT Occupation: AI I °RIVET Personal Mailing Address: LIVINGSTON. NJ 07035423/ Soda' I Onto( rat I Placa ol env Email • ber ausnealir Photo identification Id CREEKS LICENSE Ito Expiration Dale: O CHEXSYSTEMS . . earplein 01/3020I1 O YES OFACIPLC O gagitatimpigas o Yee O No. explain y: 1111111111 Authortmd Signer Name: Physical (Home) Address: Occupation: Personal Mailing Address: Sodas Security Kenbec Date el MAN Piece elMee Home Telephone Number: Sureness Telmixne Mintier: Motile Number. Emil Address. ThNiISWaal Plums Menileceticn Type 6 Mastic Idenatcation Expraion Date: csocsysmas explain O tliellall111111 _ IIIIIIIIS OFAC/PLC O ellaliltiliglitti O Yes O No, explain wily, illitillilil Authorized Signer Name: PhysiCal (Home/Adana ItilitaiSARt_____ OccUpall011: Peregnal Mining Address: social Seoty Numta I Dab S Die,: Psi et Belk Erb Home Taipa000 Hunter. Susinees Telephcoe Miter I Mobie Number: Emit Marcel: ~fd!(1.4ttltarnii)r Photo we-site's." Type a decreer: Identincemn Expirtion DirW O CHEXSYSTEMS , explain my.. .. . . O oktio ; OFAC/PLC O • O Yes O No, explain why. Authorized Signer Name: MO Physical (Homo) Address. Occupaton: Personal Mailing Address: Soder Security Number: Date of Sim: Pena Of Birth: Ma* Home Telephone Number. Swains Telephone Number: ! I mote. Number: Erna, Address SISROSalfittil Photo IdentrfiCati00 Tyco la Nurnter: Identification Expiation Dew O CHEXSYSTEMS . explain O Niffltitillititi- OFAC/PLC O IllallItallISI O YesO No. seism wing: MINGUN O Meethent Cad Services e-FirsiBank (Internet) Cash Management B erica Cad Overdraft LM O UNIT Of Carla Pat PO Payre Night Deociscory O Other Management IreetreW0C Date: Revar. Dena: 1 First Bank RECORDS A LEGAL REQUIREMENTS CERTIFIED TO HE ATM AND MET COPT OF THE ORD:INAL t maire 3O038 I Id SDNY_GM_00013586 ininSaDrican CONFIDENTIAL CONFI II ILL FirstBankOROOOT49 EFTA_00124229 EFTA01269396 alev.Oecetor ille flt I) Request for Taxpayer Give Form to the =pest= Levet Identification Number and Certification requostet. Do not send to the IRS. Non toretan• Verna noarre 1/4 rill an.Low -c I i nc• nomaireanleardItv nook far= too dos ,. ChIcli sipOptit• dolor haw to nootretfort 8 i.-i I-1Inikettotteti paertecr CI c Ovsarahm Ri a Ccopeeden O Pirtnerriaa O %awe i8 O DoledMon onvent Odd tot to Ovasocrittot ICC Ofloollot. S-5 torpor Sot Fr-warner-OA o CIiblienPer" I e, O cemeinmvotom• Anna tettrIbic tom. sod Ad erne no: Roans'. note end eases 8100 Red Hook %neer 113 , Olt Ott ad zooid 4.: St. Thome, urn 00001 re =coo cambia Iwo lossimel la Taxpayer Idenffreetion Number (rit4 Enter fax 194 In the OPPOInto box The nu raided nun methle neer peen on tot Soots Otto to avoid both* attack/1 Fa advikeza. Xis evert soda:waft Sant Ire rasdent Seta sole propiebr. or doregirded entity. see the Part I rails MPG. How...r. kg a agate:done on pet For otter enttaa. b O you enclave! iderelhaboa taster CM* N you do nalMwa TIN onme3 tombses ow Norte gat • Nino It re *0S0 m.rnter 10 ern. 4 in mote I ,an Mine. tee 0* thin on page 4 torguidolnetot 'Aran law+oeerreritem crunceekm tattlarpeesatie a Oeflurf. 1 col* that 1. The meow shown onIle form i• my eared tioaoyer Idengtellixt rezeinfot1ant valloolor a ranter to be bawd to M.D.end 2. Im ad babied ro beds odordtgotp tea {Worn gni from today waltoldtg. or (Whoop not bale notified by the Internet Revenue Sento aFtta t man ettleotiobethuo witactaggMt romelt fi e lave to opal et IMentst or dna:lends, 0/0 the SS lab MONO rre Sus I am ha ter ad:WM bedcupulehhadno. and 8 I an lag deomorotheUApomen teledhad hdo4 Codification ea buctions. You meat pod cat Ilan 2 abeambtu Nanbannaiad bye* as that you an euvently *bled to beam) tilthrateana because rot, ha.e ailed t rocort d inbred and dhaireide en wattage% For nod*MS Interest P2,0. was,. on C. eherdoton*Osene Feedollataricalk leanIotcne. ton 2 Om not Wet Fee Matson ed ooldibt. earbioureeste areecleklee meaner' ineqemarn OM and Wanda Permente Ober than Mos Sat Step* stumead repeedle Sere eleeletalea. inttortlin On pp; but younod fotoOkr Mt Oa" ON So' to Sign Meeltree Boca Ut pad* tide. / Cd General Instructions Pla irecemsbr ghu you • teem caws Wien Farm V/.9 bea,.st SAMS, *maws we ID 00 yew Tea yob mum Mee meshes tan V b b auburn/Sy writer noted be rote rem W4. DIONSid of eU.S. porson.for Werela rugosse. as Purpose of Form ccealilemb: US paraani ' ,ogee A wean veto is rettaked to Re an inka.. return an the IRS mutt • Pa Incialdual *tab.' U.S. citkan a US tetkunt elan. attain )fir coma taxpeott idmnbl taco,, ototow mill to MCA by •A pednersha corporation. OCOTrony, a OSSOOatko awed or exa-nara ram, pm to act, reel nab Innacttont. nwtosis inletCat organized In the United State a older Ott Ira or the unxts Sawa yoo p4.0. tottisnon a aloardarrotrt GI soared reoporty. canoe...Con Cl debt or cortrbutons you mode to en IRA • An were (cext Malt faeign encl. a • A 00ni.W.0 'MI lsa dotted h Regitherts octal 301.1101.7). Use yen W.9onyy too Mt a US.pond. CottaSolt • *doom to pwdde ypaaoetan WI to are paean raqueolna t Orr SoecaaI need for pertnershax. Partnerahp: vat oonstual • Indoor recorate) ant dun apO ct S. let bsineu u, rhe tilted Slates We genereay required to pay • wthroldre 1. Curtly 11 On TNrt.., orogid. bailed to TOO we tax on trOYI0Oldo maws' shire of i-come ban suet hairnet tag 10, Res, in onion cans whore a Foal, W-S hes rotten, roosts; • rumba, loteleseet Pannone-inIv moire:Ito peonxre lhal a panne a fOreign COMO, 2. Orate OW yOu ate at Intalle110 ban nittno1dreg. Or end psi Ili wOrhoktng Is/. Theodora II you weal-4S. pea that is a Cilia tae Proeleolaprelarkkiegyea we e U.S. wrest partner h a otelneraap oceducliaa a bade er hers. b ee WSW osepc• you arridre aireelsplert um • U.B. mon. yon Setae. wooer Form Yr-9 to lb eartnentip to esUblah year413. elotablesereolire pothenleIncome *in Lla So abutted Mold AM mod wIltrokirrj an >as there at poetreittipInters is rat sleet es lie ulgiholfrigIs onion* perinert Sure ct reeve* ereneeted been Cat No 10731N Poi% W-90re.12-1011i 1First Bank RECORDS LEGAL REIWIIIIMENTS CERTIFIED To HE .1 1 RI' E IND F.N.ACT (OPT OF THE ORMIN.U. _GM_00013587 CONFIDENTIAL CONFIDE rsitilA. I. 11111E FirstBankPRO00750 EFTA_00124230 EFTA01269397 ire 00.4 Appcuatior -or tmployer m... breed 20te tr.. use by evela,...b Identification Nu- tier Ow oorionalors. padre/shim lame, .1410:0 noires **Wi osycomess reset. Palen lobar Ontibse, oaten nate% Mabe aloosilimst0nn 00 Inaddeee and Otbe/1e4 * Sao StOOPISO Instruct s:via tor tech int • Keka • I 100.2nare0Iefaby 10/ Inclea Oita lav YCV, mot dd for shoe theEti bbobviebuosied . Lt1/41.02.a. Inc.. t 3 2 bide erne a babe* fe snn lam nano an Ino II 3 Eacaor. daremty. Out. tore er woo 0 44 al M) snider Irca" 104.. ale ra tramm el. OS 1 Ai 61100 140•04itiar cry, gibe no12114 Iterrocata cod* If fee SIR OS Solallalonif S C. a* On &nal alien 0/ deler04 Ott COy, Ma Ard ZIP code 1001114 Vey • 6 -0 . beg S Sr. TWO-LOS. V f Ot loran. la imauclbal r,,, 6 C00047 ad Rao wioS Otf01/ WWI.° located FC St. .144•15 VI la Nano d moven Oabr --l erniCY lb MN, Ma 13N z • -CEPUSIN ea beak a~:nret • ikaolitity drgrry lll,Clfe r a blip WSW 0 u• ern* • of •• natal L/C alleseid a the Veited Steen Is Ono, of °MOO (check Grey area ta4. Caton. If M b Yen too a No the Mumma for to coact box 0 We moor. gad w deck. • • PanariMP 0 able 0.r.PI a daaadanll Capatann lea loan tote to b o Pbn iabeibbla veal • • Twil 0 Pomona oat OM of OwalOO abeerafite ❑ wan a chwasoareall•O 0 •Ooknal Guard 0 Sleeked gotterooni alleaSlat 16 Mos El= moping agreAdion Wago *dab) 024 211 nine th oft a boar. n IO O O Fait' capita; ROW Crop ElOnVer. Mate 0 lean, goaarnsavran C For (GEM II all • oY ornonononAroont eat 'topmost* Mtn =eel soap ann.* Fotaoloounity 10 141•00efra Oo14t V/ 1eWKk oily a0 b04 Oran.; O Samna pant (year cope* P, Sew banana NI:0W Ili* Apt. mpitG • O Clasped type a oraerzatto Opacity AMY type) * O Panellised gang bUsiess 0 Mod aaplotono (clinck !no box fra Imo 141e 1i) O Creila/ * utd hpeab byes 11 8 Complanno vetn Fri MIltpkiriga f00061 CIS *ear s 00101tialkesa base a aCtiorat Orbrel ,3n. o Created • onion an MOST orPon • . soy yew). Soninnotoon 12 Melo mats of eannun SI/221201 Ing year is MON" undone, imbed in *bent 14 If aza mat yew estabd 12/400111/inter +/ea* iert but liabey babeii.000 less ;mint Swore 'ward too re 1/03,nindaci, the Ina Ia. om'*ey bow ol ran. a. ram 044 941 pariah .. an In Mar eVorwent In lobby onetally Aalculnoto beSt POO a Ian yon newt lo pay S4.000 Clear of lost along woos) If nor do not can% Il Its aim "V" 0 ram 941 lorny data Wier. >way 0. 2.1• 10664 wele OSO404•OX def. $1,30SIOIll OM *.iosi. by. you) foal. Rota If *POIOSillo a vaiteismasm, onto date hewn 141 Rol be pas in II n. ...VA 0.0. be. Oat Oat Oandtm111112 •0100 fl ays ”arboterre. 0 carman 0 Roma 1 Main 0 Tannocotan t awash 13 ins caeloxfal nowt 13 Aixtelobi-bposicaer Chigoes ) 0 taafroodalon1 'afloat Cl tisfularino 0 PironnOtlamtoo El Olonnaloon 0 Rani IT at 0 ay. , (onaciln "tread Ire a netaNinale. .d npodillo coralrucOnn ail dons. .vacs producod. or gents pronto tit Haim approve enliy tan II %lewd% 01•04)01e01 on Minter Mena ottani] lot and realve0 an OD 0 Vat gr.. nen has ASearf CIO:0CA 0a ft.* coma inn* APPIOIty assets pus. as ax.i Re PISMO/ Ad sic 4 duelwn Attila see sepwa• nolryUbna. Ca. M; Ft SS-0 lov. First Bank nu:onus & 116:11. ar:on EMENTS L IIIII4 Elt:1 EHI ET=N 1:04)FHT N.17. CONFIDFNP I GM_OOO13588 ;Lit RI: CONFIDENTIAL FkstElankPRO00751 EF1'A_00124231 EFTA01269398 Business Verification Results mm, Page I of 2 - — ..- RESULTS SUMMARY OFAC CHECK: PASSED IDV RESPONSE: OVERRIDE EIN: FAILED Input EIN: NAME MATCH: PASSED Input Name: Cypress, Inc ADDRESS MATCH: FAILED Input Address: Red Hook Quarter b3 St Thomas VI 00802 Dif. Info: 9100 HAVENSIGHT SAINT THOMA S UNIT ST THOMAS VI 00802 Dif. Info: 9100 HAVENSIGHT PORT OF SALE ST THOMAS VI 00802 Oif. Info: PO BOX 6347 ST THOMAS VI 00804 Alternative Verlficati PHONE MATCH: i Input Phone: No verification data given Additional Actions taken: • Note - Please confirm the SIN. Override Comments: On 05/07/12 at 03:12:22 Iftdelin Colon Added: Cleared - Other (type in reason)Client has provided the SS4 dated 12/15/2011 and the Articles of Incorporation. Client previosu address was verified and the address previously used was the location before relocating to Red Hook. Account Status: Cotten print Thiaine - class IMPORTANT INFORMATION FOR CONSUMER REPORT & IDENTITY VERIFICATION SERVICES This consunw/Ousincas data is being furnished in connection with a transaction initiated by the consumer, and / or in actatianct https://production.pealeyinc.com/penley/secureNBERep ortDetaiLdemode=print&oid=107... 517/2012 ItlefiltlIS A 1.11:4;.11.1O:111 • 11II:MEN 'JO In: .t MT .130 0113 01"1 olitni3.1l. Y_OM_00013589 CONFIDENTIAL CONFI FirstBankPROo0752 EFTA_00124232 EFTA01269399 Business Verification Results m Page 2 of 2 I wo the written Instructions of the consumer. to whom the intonation relate! Reporting Act (MIA) oe the Gramm Leach (Inky as Provided far under the federal Fine Credit Att (GLBA); or Is berg used in connection with under the PatA. The data caltaineo in tha report account review as provided for may be Viewed Or printed (or 00 other purpose. Consume Report limbo may not be viewed or Printed In connection with making a pro-approvediffoffnatien returned in time offer or crepe (prescreen). https://production.penleyinc.com/pepley/secureNBEReportDetsul.do?anodeeprkt&oid•-107... 5/7/2012 First Bank RECORDS A LEGAL REOCIREHENTS To HE .%TREE: ENO Ei.1t7 COPE OF THE ORR:EV.11 S GM_00013590 CONFIDENTIAL CONFI 11 III I FintBankPR000753 EFTA_00124233 EFTA01269400 QualiFile (NAG) Page I of 1 IMPORTANT INFORMATION FOR CONSUMER REPORT & IDENTITY VERIFICATION SERVICES Tit amp/mei/business data is being funkshed In connection with a transaction initiated by the consumer, and / or in accordance with the written instructions of the consumer, to whom the Infornetion relates as provided for under the federal Fair Credit Reporting Act (FCM) or the Gramm Leach Riley Act Otisld; or s being used In connection with account review ea provided for under the Ka The data contained in Mkt report may be viewed or printed for no other purpose. Information returned In Consumer Report services may not be viewed or Wilted in acme en with shaking a pre-approved Smut offer of credit fixescreerd. Business Information Response Business Information (As Entered) Laurel Inc Fed Tax 10: 86-0776877 Rod Hook Quarter Bs St Thomas. VI 00602 Non FCRA Identification Information Federal Tax Id & Business Name Match : No CheirSystemst History No Closures Found No Purchased Debt Found No Previous Inquines Found Inquiry ID 641692871 Reference Detail Transaction Tracking ID: 1a3o42 OW8891 2188 UXAP30' PZI Prat - Close https://production.peoleyinc.com/penley/securechexSysterasBusinessRepon.dereportType... 517/2012 First Bank RECORDS & LEGAL REOCIRENIESIN I ElttlIFIED To Hi: t TRUE NI) EXACT COPY OF THE. ORIGIN.H. S _GM_00013591 CONFIDENTIAL CONFI I III I I \ill RI. First8ankPR000754 EF1'A_00124234 EFTA01269401 First Barn Customer Due Diligence For Additional Signers on Individual Accounts or Authorized Signatures on Business Entities Accounts Account Number which Is attached to the Signer Name: Jeffe Last Nemec ecistein Date of Birth: 1/20/1053 Place ot Birth: NY Social Security: Citizenship: US NamMow: 340.7758100 Other Physical Address: semiMasse: Urns Saint James Isiaml 8100 Red Hook OuartEet 83 St. Thomas. VI 00802 St Thomas. V100802 Place of Employment FinanClal Ins EMMY Employment Add,ew Occupation: F ' WOO Red Hook Quanta 03 Work Phone: St. Thomas VI 00802 WIWI a Relation Account Title: asident ID Toe Number Country Expiration BOWOWYTh Tat USA 10/10/2012 End Drivel License USVI 01/20/2015 Recurrent Source: 0.n Business O Private O Cr/remnant O 0:rel. specify Annual Income: O 10 01 550001 ❑ 593.001 • $130 CO0 O $ bo LOt 52'50.000 0 over $2S0 000 3 Chant Classification • Prue emsern As tv A atC Men Wen; evostra Rocket Wes CCAthilved non fe* arvl tote( eabl e MAIO as e.e..1th' r N. 0v Myra CreobscSudwne For Irdvkluat a Enron Cons:dared as illohRat. . . Kos power to Com tan eranevimem tae Co antra Oalannwnhala unsbon o mowed Yes No A Indicate cheater the client s a nontendent Oen: (NAICS*10S003) D B Monate whether the Clore *a resident elan: ((FIGS 5200000) C trdnere whether the own! ;6 rented to en &fleet of a foreign government and document the (MACS *4030001 typeof relationeNp: 0 4 \Irateit‘on System For use only zr• Conti:igen, , P rn A CfirX'SySTFIA Name of the Representative who attended your call Response to Social Security: Year State: Response on Industry Behavior. Response on ID: 5 Account Opening Author tion I I froprrod Non Pi ed Comments. if app !cater t br ekeenili ee. d sy v eta, kto-r4 5- MetS4SOI•11t1 'First Bank It FA 71111DS A LEII:11. HE1/11 F:HENTS HUHN TO TRI 1 IND MILT 10P1 OF THE ORIGIN II. CONFIDFKL, S _Gm_000i3592 Irl RI CONFIDENTIAL ForstBankPRO00755 EFTA_00124235 EFTA01269402 1 First Bank Customer Due Diligence For Additional Signers on Individual Accounts or Authorized Signatures on Business Entities Accounts — — Existing Account Number Account Number which is attached the Signor ame. Date of Bath: Jeffrey CitttaftithiP: US_ Physical Address: 1r20, 1953 Initial: Place of Birth: NY Last Saw pp_stein Rome PhonE NallIng Aar r lSecu a my Ude Saint Jams Island 5100 Red Hook OuartersB3 &Thomas. VI 00802 at Thomas. In 00892 Pismo/Employment Flnandel Tug callOWN IDOCupeSoir Financial competent Work Phone: 340-775-2525 Emit tvs Relthon Account Title: president. ID Type 1st Passport 2nd Orrvert UMW? Recurrent Source: el Own Bursas O Pods O Government O Gent. Was/ Annual Income- O 50.01-550.001 O MAN - 1150.000 O SI50.001- S260.00D AD_Ovw $250.000 3 Client CiaSSgiCatiut. I • X" w aereltu teA an/ Crate FS80810Caerda Peered ate arteSedbighretell titer:awn needadeeestentdihrie R.a DX9IIICC Chwor-Gailaste Poi/AWit et aims EcrodroilaffeelPlat • the rare io CO pm Rea autxdadas Soothe COYONNe POPelhenffien 0'4On OSWATed Yes No Indate whether the diem s • nonee4eat abaci (RAMS 5100000) A O 0 B. Indale whether the diem n a resident idiom (NA= *200000) O 0 C Indicts %%Mew tne Gen es related to an aim' of a five gn government are deeteivare the hex of relatenchs: NAICS :400000, 4 Verification System- For use only as Continge.y... d Name of the Representative wise attended your call: Response to Social Security: Year: _ Stets: Response on Industry Behavior. Response on ID: 5 AcCOunt Opening AuthOtization wed ' Comments. If appleaolic ildthkeiS Interviewed by: C2 in teetSiaosill1 Finn Bank RECORDS & LEGAL REQUIBEMENT% CERTIFIED TO HE A nut AND ENACT COPY OF THE ORIGINAL CONFIDF N„ t S _GM_00013593 CONFIDENTIAL FirsteankPRO00756 EFTA_00124236 EFTA01269403 1 First Bank] Customer Due Diligence For Additional Signers on Individual Accounts or Authorized Signatures on Business Entities Accounts Existing Account Number Account Number which le attached to the Signer Name: Darren Last Name: ,ndyke Da, of Birth: 2/19/1965 - Place of Borth' NY Citizenship: USA Home Phone: Physical Addeefta: awing Adages: 2 Keen CI Sane LIdgpiten. NJ 07039 Phew col Employment OssonKkicMe.PU-C CIIWP.89It WINUC Phmtellir Ems& Retake Mooted TIDE ID Type EcarstionflaTOWD3 let DL 04/30/2014 2nd SSW USA Recurrent Source: C Oar R:Jsiness Private O 0Cmateneent O Otber. gardh: Annual Income: Fl so 01 550 c01 ❑ SSOACI • Siao.coo $150.001-1250.000 O Oar milt= 3 Client Classification • one answit, Yes Fr A •MC Oft% t 4banpluestk.w. ea dere al 0.0:nedered teethed AROWICtOna.waeauaaatise th/Ode Carte n Cneedal.GudInat For Mad)* or Edam Censclerecla Hop Rek • Vete even C rt as. elan aueadtteeen ton* Cate:Athee deordwaSSA u Doted navel Tee No A. Indicate whether' the dente a norecadent thew (NAICS 1100000) 0. !rated, whether It.. Cada eared:led (NAICSS200000) O 0 C Indicate seethe, the dant IS related to an officer of a fixer government and Soured the type of reationshia • 0 (NAGS raCOODT) Na. of On Reprtieentetha who attended your call: Respatee to SodelSocurfir Year. Stara Rations, on Industry Behavior: Response on ID: 5 Account Opening AuttionzabO,) Approved Dual Di ai •• Comentuti. N applicable. inserient ej AV :At eirce_z_ First Bank RECORDS & IiiG.tI. RE01' I 111:11ENTS CERTIFIED TO DE 1 RUE .IND EXACT COPE OF THE ORICIS.11 S GM 00013594 CONFIDENTIAL CONFID AI 1.151RE FirsteankPRO00757 EFTA_00124237 EFTA01269404 Corp No. 581980 GOVERNMENT OF THE VIRGIN ISLANDS OF THE UNITED STATES — 0 — CHARLOTTE AMALIE, ST. THOMAS, VI 00602 C ir.*7EId.MGR ORR SWIMS 64aa tow) I. the undersigned. LIEUTENANT GOVERNOR, DO hereby certifies deli LAUREL, INC. SYSIEIVIS Corporation of the Virgin Islands filed in my office on November 22, 2011 as provided for by law, Articles of Incorporation, duly acknowledged. WHEREFORE the persons named it said Articles, and who have signed the same, and their successors, arc hereby declared to be from the late aforesaid. a Business Corporation by the name and for the purposes set forth in said Articles, with the right of succession as therein stated. Witness my hand and the seal of the Government of the Virgin Islands of the United States, at Charlotte Amalie. St. !borne!: this 27th day of December, 2011. Y R. FRANCIS Lieutenant Governor of the Virgin Islands 1 First Bank RECORDS S LEGAL I: 1' I R BIENIS I ERTIFIEll TO HE .1I RUE AN MUT COPT OF THE ORIGINAL S Y_GM_00013595 CONFI I1 II In I I %III RI. CONFIDENTIAL FirstBankPR000758 EFTA_00 I 24238 EFTA01269405 t ThIDAVIT RE NOT DOING BUSIr r '1/4. 25 I, Darren Indyke, being of lawful age and after having been duly sworn, state that 1. I am, and have been from the date of the filing of the Articles of Incorporation, a copy of which is attached hereto, the Secretary of Laurel, Inc. ("the Company"). 2. I hereby confirm that the Company never did any business of any kind from the date of the filing of the Articles of Incorporation through the date of this statement and further state that the Company has no intention of doing any business in the foreseeable future. 3. I hereby further confirm that the Company was formed solely for the purpose of holding certain real estate, and it is not intended to be used for any type of business. 4. I hereby further confirm that the Company will not do any business of any kind prior to applying for and obtaining a United States Virgin Islands Business License, a copy of which will be delivered to the Bank 5. The Company requires a bank account for the purpose of corporate expenses. 6. I have personal knowledge of the facts herein stated. Darren Indyke IN WITNESS WHEREOF the parties have signed and sealed this agreement this le day of April, 2012 SUBSCRIBED AND SWORN to me this / _ day of Ar I 2012 otary Public HARRY I. BELLER Notary Pub:•c. $are of New Volt Ve. 019E4E5392a Ousilliad m Actsland Commission Expres Feb.County 17,20 h..0 ' First Bank RECORDS d LEG:11. REOUI IMEN"IS CERTIFIED TO HE .1TRUE CND EtAII COPT OF THE ORICIN.11 SDNY_GM_00013596 CONFIDENTIAL CONFIDFNT1 III RI. FirstBankPR000759 EFTA_D0124239 EFTA01269406 ARTICLES OF INCORPORATION OP LAUREL, INC. We, the undersigned, for the purposes of associating to establish a corporation for the transaction of the business and the promotion and conduct of the objects and purposes hereinafter stated, under the provisions and subject to the requirements of the laws of the Virgin Islands of the United States (hereinafter called the "Virgin Island?). and particularly the General Corporation Law of the Virgin Islands (Chapter 1, Tide 13, Virgin Islands Code), as the same may be amended from time to time, do make and file these Articles of incorporation in writing and do certify: ARTICLE I The name of the Corporation (hereinafter referred to as the "Corporation, is Laurel, Inc. ARTICLE II The principal office of the Corporation in the Virgin Islands is located at 9100 Fravensighk,Po rt of Sale, Suite 15-16, St Thomas, U.S Virgin Islands, 00802 and the name of the resident agencr,ofralje Corporation is Kellerhals Ferguson LLP, whose Ensiling address is 9100 Havensight, Port of Sale, Soite154,.St. Thomas, U.S Virgin Islands 00802, and whose physical address 9100 Havensight, Port of Sale. Suite:15-16,Sr- Thomas. US. Virgin Islands. t‘a : ARTICLE III Without braising in any manner the scope and generality of the allowable functions of the iG" aparition, it is hereby provided that the Corporation shall have the following purposes, objects and powers., 2 (1) To engage in any lawful business in the United States Virgin Islands. (2) To enter into and carry out any contracts for or in relation to the foregoing business with any person, finn, association. corporation, or government or governmental agency. (3) To conduct its business in the United States Virgin Islands and to have offices within the United Stara Virgin Islands. (4) To borrow or raise money to any amount permitted by law by the sale or issuance of obligations of any kind, to guarantee loans, other types of indebtedness and financing obligations. and to secure the foregoing by mortgages or other liens upon any and all of the property of every kind of the Corporation- (5) To do all and everything necessary, suitable and proper for the accomplishment of any of the purposes or the attainment of any of the objects or the =excise of any of the powers herein set forth, either alone or in connection with other firms, individuals, associations or corporations in the Virgin Islands and elsewhere in the United States and foreign countries, and to do any other acts or things incidental or appurtenant to or growing out of or connected with the said business, purposes, objects and powers of any part thereof not inconsistent with the laws of the Virgin Islands, and to exercise any and all powers now or hereafter conferred by law on business corporations whether expressly enumerated herein or not. The purposes, objects and powers specified in this Article shall not be limited or restricted by reference to the tams of any other subdivision or of any other article of these Articles of Incorporation. 11:2 Bank RECORDS A LEGAI. REOUI It DONIS ERTIFIED TO HE %FRI I: ENACT COP% (IF THE ORIGINAL r S _GM_00013597 CONFIDENTIAL CONFI I lo ter.. I RI. FirStEankPRO007130 EFTA_00124240 EFTA01269407 ARTICLE IV The total number of shares of all classes of stock that the Carom:anon is authoriz (10,000) shares of common stock at $ 01 ed to issue is Ten Thousand par value; no preferred stock authorized. The minimum amount of capital with which the Corporation will commence business ($1,000). is One Thousand Dollars ARTICLE V The names and places of residence of each of the persons forming the Corporation are as follows: NAM Erika A. Kent:Mills Gregory J. Ferguson Brett Geary ARTICLE VI The Corporation is to have perpetual existence. ARTICLE VII For the ma naganent of die business and for the conduct of t he a ffairs of the Corporation, sod in further creation, definition, limitation and regulation of the powers of the Corporation and of its directors and stockholders, it is further provided: The number of directors of the Corporation shall be fixed by, or in the manner provided in, the by-laws, but in no case shall the number be fewer than three (3). The directors need not be stockholders. In fultherance and not in limitation of the powers conferred by the laws of the Virgin Islands, and subject at all times to the provisions thereof, the Board of Directors is expressly authorized and empowered: (a) To make, adopt arid amend the by-laws of the Corpora tion, subject to the powers of the stockholders to alter, repeal or modify the by-laws adopted by the Board of Directors. (b) To authorize and issue obligations of the Corporation, secured and unsecured, to include therein such provisions as to redeemability, convertibility or otherwise, as the Board of Directors in its sole discretion may determine, and to authorize the mortgaging or pledging of, and to authorize and cause to be execute d mortgages and liens upon any property of the Corporation, real or personal, including after acquired property. (c) To determine whether any and, if any, what part of the net profits of the Corporation or of its net assets in excess of its capital shall be declared in dividends and paid to the stockholders, and to direct and determine the use and disposit ion thereof: 7 First Bank RIlllORILS REOITHEMENTS CERTIFIED TO lit .1 TRUE CND Mill COPY OF THE ORIGINAL CONFIDFtsitt Y_GM_00013598 RI CONFIDENTIAL FirstBankPR000761 EFTA 1)(1124241 EFTA01269408 (d) To set apart a reserve or reserves, and to abolish such reserve or reserves, such other provisions, if any, as the Board or to make of Directors may deem necessary or (or working capital, for additions, improve advisable ments and betterments to plant equipment, for expansion of the business of the and Corporation (including the acquisition of real and personal properly for this purpose) and for any other purpose of Corporation. the (c) To establish bonus, profitshating, pension , thrift and other types of incentive, compensation or retirement plans for the officers and employees (including officals and employees who arc also directors) of the Corpora tion, and to fm the amount of profits to be distributed or shared or contributed and the amounts of the Corporation's funds otherwise to be devoted thereto, and to determi or ne the persons to participate in any such plans and the amounts of their respective particip ations. 0) To issue or grant options for the purchase of shares of stock of the Corporation to officers and employees (including officers and employ ees who ace also directors) of the Corporation and on such terms and conditions as the Board of Directors nay from time to time determine. To enter into contacts for the management of the business of the Corporation for terms not exceeding five (5) mats 01) To exercise all the powers of the Corporation, except such a re reZhferted by law, or by these Anieks of Incorporation or by the by-laws of the COrpontion upon the stockholders. . To issue such classes of stock and series within any class of itocloMith such value and voting powers and with such designations, preferen ces and relitive,-participating, optional or other special rights, and qualifications, limitations or restrittiord:dtereOf as is stated in the resolution or resolutions providing for the issue of such mock adopted by the Board of Directors and duly filed with the office of the Lt. Govern or of.the Virgin Islands in accordance with Sections 91 and 97, Chapter 13, Virgin Islands Code;as the same may be amcndcd from time to time. vg[ No stockholder shall sell, convey, assign or otherwise transfer any of his of her shares of stock without first offering the wane to the Corporation at the lowest price at which the stockholder is willing to dispose of the same; and the Corporation shall have thirty (30) days within which to accept same; the Corporation shall notify the stockholder of its election in writing. If accepted by the Corporation, the stockholder shall prompdy assign the shares of stock to the Corporation, and the Corporation shall promptly pay therefor If the Corporation rejects the offer, then the stockholder shall offer the stock to the remaining stockholders under the same terms as offered to the Corporation; and the remaining stockho lders shall have thirty (30) days within which to collectively or individually accept the same in writing. If the remaining stockholders reject the offer, then du stockholder shall have the right to sell the stock at the same or a greater price than that at which it was offered to the Corporation. If the stockholder shall desire to sell the stock at a lesser price than that originally quoted to the Corporation, the stockholder must then repeat the process of offering the stock for sale to the Corporation and the stockholders in rum. Shares of stock in this Corpora tion shall not be transferred or sold until the sale or transfer has been reported to the Bond of Directors and approved by them. 3 First Bank RECORDS A IiLII. REOCIRDIEVIN IIRTIFIED TO RE TRUE. AND MI 7 IVRY OF THE ORICINAL CONFIDENTIAL CONFIDFN„imimi, VA 1, Ili its S Y_GM_00013599 FirstBankPR000762 EFTA 00124242 EFTA01269409 No stockholder shall pledge as collateral for indebtedness any shares of stock without first obtaining the wtitten consent of a majority of the disinterested members of the Bond of Directors of the Corporation. ARTICLE IX At all elections of directors, each stockholder shall be entitled to as many votes as shall equal the number of votes that (except for such provision as to cumulative voting) the stockholder would be entitled to cast for the election of directors with respect to his or her shares of stock multiplied by the number of directors to be elected. The stockholder may cast all votes for a single director or disnibute them among any two or more of them as he or she may sec fit. At least ten (10) days notice shat be given, however the shareholders are entitle to waive notice of the meeting as provided by law. Furthermore, the meeting and vote of stockholders may Ix dispensed with, if all of the stockholders who would have been entitled to vote upon the action if such meeting were held, shall consent in writing to such corporate action being taken. ARTICLE. Subject to the provisions of Section 71, Title 13, Virgin Islands Code, the Corporation may enter into contracts or otherwise transact business with one or more of its directors or officers, or with any firm or association of which one or mole of its directors or officers arc members or employees, or with any other corporation or association of which one or more of its directors or officers are stockholders, directors, officers, or employees, and no such contract or transaction shall be invalidated or in any way affected by the fact that such director or directors or officer or officers have or may have interests therein that are or might be adverse to the interests of the Corporation even though the vote of the director or directors having such adverse interest is necessary to obligate the Corporation on such contract or transaction, provided that in any such case theifitet of such interest shall be disclosed or known to the directors or stockholders acting on or in tolerance itir such contract or transaction. No director or directors or officer or officers having such disclosed or known tidveratinteres t shall be liable to the Corporation or to any stockholder or creditor thereof or to any other 'parson. for any lora incurred by it under or by reason of any such contract or transaction, nor shall any such diem: sit directors or officer or officers be accountable for any gains or profits realized thereon. The provisions of this Article shall not be construed to invalidate or in any way affect any contract or transaction that would Otherwise be valid under law. myriCI.g XI (a) The Corporation shall indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending, or completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative (other than an action by or in the right of the Corporation) by reason of the fact that he or she is or was a director, officer, employee, or agent of the Corporation. or is or was serving at the request of the Corporation as a director, officer, employee, or agent of another corporation. partnership, joint venture, trust, or other enterprise, against expenses (mcluding attorney's fees). judgments, fines, and amounts paid in settlement actually and reasonably incurred by him or her in connection with such action, suit, or proceeding if (1) he or she acted (A) in good faith and (B) in a manner reasonably believed to be in or not opposed to the best interests of the Corporation; and (2) with respect to any criminal action or proceeding, he or she had no reasonable cause to believe his or her conduct was unlawful. 4 First Bank RECOMRS & LEGAI. REOUIREMENTS 'Timm) To or .t IBCI: AND EX 111 I (PT Orl HE ORIGINAL Y_GM_00013600 CONFIDENTIAL CONFI %I III I v I \ 111 Ill FirstBankPR000763 EFTA_D0I 24243 EFTA01269410 e•••••• ‘ ,•—•\ The termination of any action, suit, or proceeding by judgment order, settlement, conviction, or upon &plea of nolo contendme or its equivalent, shall not, of itself, create a presumption that the person did not act 111 good faith sod in a manner which he or she reasonably believed to be in or not opposed to the best interests of the Corporation and, with respect to any criminal action or proceeding, had reasonable cause to believe that his conduct was unlawful. (b) The Corporation shall indemnify any person who was or is a pasty or is threatened to be made a party to any threatened, pending, or completed action or suit by or in the right of the officer, employee, or agent of the Corporation, or is or was saving at the request of the venture, trust, or other enterprise against expenses (including attorney's fees) actually and reasonably bloated by him or her in connection with the defense or settlement of such action or suit if he or she acted: (1) in good faith; and (2) in a manner he or she seasonably believed to be in or not opposed to the best interests of the Cosporation. However, no indemnification shall be made in respect of any claim, issue, or matter as to which such person shall have been adjudged to be liable for negligence or misconduct in the performance of his or her duty to the Corporation unless and only to the extent that the court in which such action or suit is brought shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnity foe such expenses which the court shall deem proper. c, (c) To the extent that a dieector, officer, employee, or agent of the Corporation has been successful on the merits or otherwise in defense of any action, suit, or proceeding referred tic; in4patagraphs (a) and (b), or in defense of any claim, issue, or matter therin, he or she shall be indemnified 'against expenses (including attorney? fees) actually and reasonably incurred by him or her incomf&tiodtinamvids. (d) Any indemnification under subparagraphs (a) and (b) (unless ordered by a court) shall be made by the Corporation only as authorized in the specific case upon a determination that he-ot she had met the applicable standard of conduct set forth in subparagraphs (a) and (b). Sikh detamination shall be male (1) by the board of directors by a majority vote of a quorum consisting of directors who were not parties to such action, suit, or proceeding; or (2) if such a quorum is not obtainable, or even if obtainable a quorum of disinterested directors so directs, by independent legal counsel in a written opinion; or (3) by the stockholders. (e) Expenses incurred in defeating a civil or criminal action, suit, or proceeding may be paid by the Corporation in advance of the final disposition of such action, suit, or proceeding as authorized by the board of directors in the specific case upon receipt of an undertaking by or on behalf of the director, officer, employee, or agent to repay such amounts unless it shall ultimately be determined that he or she is entitled to be indemnified by the Corporation as authorized in this article. (f) The indemnification provided by this Article shall not be deemed exclusive of any other tights to which those smiting indemnification may be entitled under any bylaw, agreement, vote of stockholders or disinterested directors, or otherwise, both as to action in his or her official capacity and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be a 3 1 First Bank RECORDS LEGAL REWA RDISATS CERTIFIED TO HE TRUE AND MIT COPY OF THE ORIGINAL S GM_00013601 CONFIDENTIAL CONFI I n I I RI. FirstBankPRO00764 EFTA_001 24244 EFTA01269411 director, officer, employee, or agent and shall inure to the benefit of the heirs, executors, and administrators of such person. (g) The Corporation shall have power to purchase and maintain insurance on behalf of any person who is or was a director, officer, employee, or agent of the Corporation, or is or was serving at the request of the Corporation its a director, officer, employee, or agent of another corporation, partnership, joint venture, trust, or other enterprise against any liability asserted against him or her and incurred by him or her in any such capacity, or arising nut of his or her status as such, whether or not the Corporation would have the power to indemnify him or her against such liability under the provisions of this Article. ARTICLE: an The Corporation reserves the right to amend, alter or repeal any of the provisions of these Articles of Incorporation and to add or insert other provisions authorized by the laws of the Virgin Islands in the manner and at the time prescribed by said laws, and all rights at any time conferred upon the Board of Directors and the stockholders by these Articles of Incorporation are granted subject to the provisions of this Article. n ro :••-• IV • :. ..c eta (signature page follows) 6 First Bank REA:OHIO; A LE6:11. RE0171KIMENTS CERTIFIED TO DE TRUE .1ND I EMT COPY OF THE ORIGINAL SDNY_GM_00013602 CONFIDENTIAL CONFIDFNIL INHIIII FirstBankPR000765 EFTA ({1124245 EFTA01269412 IN WITNESS WHEREOF, we have hereunto subscribed our names this Zig day of November. 2011. TERRITORY OF THE UNITED STATES VIRGIN ISLANDS ) DISTRICT OF ST. THOMAS AND ST. JOHN The foregoing instrument was admossiedged before me this nu day of Novembn, 2011, by Erika A. Meths.Is, Gregory'. Ferguson, and Brett Gary. OMMARE BRYAN NOTARY PIRESUC HP 069-00 00218E809/282813 8T. THOMAS/ST. JOHN, USVI 7 First Bank REA:ORDS a LEG:II. MAHAR EHENTS SRUS11:11 TO RE TRI FANO FCu 7 I nPY 01THE ORIGINAL ' S Y GM_00013603 CONFIDENTIAL CONFI O III I I %1II RI. FirstBankPR000766 EFTA_D0124246 EFTA01269413 DATE STAMPED Consent of Agent for COPY Service of Process 0 This writing witnessed, that the undersigned Kellerhals Ferguson LEY having been designated by Laurel, hr, as agent of the said company upon whom service of process may be made in all suits arising against the said company in the Courts of the Virgin Islands, do hereby consent to act as such agent and that service of process may be made upon me in accordance with Tithe 13 of the Virgin Islands Code. IN WITNESS WIlERR,1F, I have hereunto set my signature this 21st day of Noverriber, 2011. Kelleviuis Ferguson LIT bed and sw Nocetatta• to before me this 2l•day ofOdds , 2011. and for the of the United States Virgin Islands expires: GINA MARIE BRYAN NOTARY PUBLIC NP 069-09 COVIAISMONEXPMES0/42112013 ST. THOMAS/ST. JOHN. USVI 1 First Bank RECORDS & LEGAI. REONItDIENTS CERTIFIED TO HE TRUE AND EVICT 111P1 OF THE ORIGINAL S _GM_00013604 CONFIDENTIAL CONFI ii fo I I %III Ilf. FirstBankPR000787 EFTA_00124247 EFTA01269414 BYLAWS OF LAUREL,INC. MCBGLELLSIEIGES The principal office of Laurel, Inc (the "Corporation' in the 1/5. Virgin Islands shall be located and maintained in St. Thomas, US. Virgin Islands, as designated in the Articles of Incorporation or at such location in the US. Virgin Islands as may be changed from time to time at the discretion of the Hoard of Directors. The Corporation may also maintain an additional office or offices at such other places within the US. Virgin Islands as the Bond of Directors may, from time to time, designate_ ARI/CLE • NIESTING OF SHARPE'S)/ 'IMS Strains, 1- Annual Meetings. The annual meeting of the shareholders of the Corporation shall be held each year on the third Wednesday in December. or on such other date as shall be specified in the notice or executed waiver of notice thereof and agreed to by the shareholders. for the purpose of electing directors and transacting such other business as may properly come before the meeting. A complete list of all shareholders entitled to vote at annual shareholders meetings shall be prepared by the Secretary and made available foe inspection at said meetings. &se-6cm 2 — Snecial Meeringr Special meetings of the shareholders may be celled at any tune by the Board of Directors or by the President, and shall be called by the President or the Secretary at the written request of the holders of a majority of the shares then outstanding and entitled to vote thereat, or as otherwise required under the provisions of Tide 13 of the Virgin Islands Code, Sections 1453, as they may be from dine to rime amended. hag All meetings of shareholders shall be held in the U.S. Virgin /shock at the principal office of the Corporation. or at such other places as shall be designated in the notices or warren of notice of such meetings and may be held teltphonically. Sertion 4 —Notice of Meetings. (a) Except as otherwise p by Statute, written notice of each meeting of shareholders, whether annual or special, stating the time when and place whim his to be held, shall be served either personally or by mail not lees than ten (10) or more than fifty (50) days before the meeting, upon each shareholder of record entitled to vote at such meeting, or the shareholder's designated agent, and to any other shareholder to whom the giving of notice may be required by law. Notice of a special meeting shall also state the purpose or putpoees Cot which the meeting is called, and shad indicate that it is being issued by, or at the direcuon of, the person or persons calling the meeting. If, at any meeting, action k proposed to be taken that would, if taken, entitle shareholders to receive payment for their shares pursuant to the applicable provisions of Virgin Islands Code, the notice of such meeting shall include a statement of that purpose and to that effect. If mailed, such notice shall be directed to each such shareholder at the shareholder's address, as it appears on the records of the shareholders of the Corporation, unless he or she shall have previously fled with the Secretary of the Corporation a written request that notices intended for die shareholder be mailed to the shareholdeis' agent I First Bank REA:ORDS & LEG:111. RIAUI IIDIENIS 1THI INI0 rannra TI1111:.1 EXACT COPY OF THE ORICIN.U. F Nim S Y_GM_00013605 CONFIDENTIAL CONFID III RI FirstEtankPR000768 EFTA 0[)124248 EFTA01269415 and/or some other address, in which case, it shall be mailed to the person and address designated in such recent (b) Notice of any meeting need not be given ro any person who may become a shareholder of record after the mailing of such notice and prior to the meeting, or to any shareholder who attends such meeting in person or by proxy, or to any shareholder who, in person or by proxy, submits a signed waiver of notice either before or after such meeting. Notice of any adjoumed meeting of shareholders need not be given, unless otherwise required by statute. (c) Whenever the vote of stockholders at a meeting thereof is required or permitted to be taken in connection with any corporate action, by any section of this chapter, the meeting and vote of stockholders may be if all of the stockholders who would have been endued to vote upon the action such meeting dispensed with, if were held, shall consent in writing to such corporate action being taken. (d) Whenever any notice whatever is required to be given under the provisions of this chapter, or under the provisions of the articles of incorpontion or bylaws of any corporation organized under the provisions of this chapter, a waiver thereof in writing, signed by the palm or persons entitled to said notice, whether before or after the tine stated in said notice, shall be deemed equivalent thereto. eection S - Ottorum: Except as otherwise provided herein, or by the applicable provisions of the Virgin Islands Code, or in the Articles of Incorporation (such Articles and any amendments thereof being herein collectively refaced to as the "Articles") at all meetings of shareholders of the Corporation, the presence at the commencement of such meetings in person or by proxy of any number of shancholdets holding of record a milady of the total number of shares of the Corporation then issued and outstanding and entitled to vote shall be necessaty and sufficient to constitute a quorum for the transaction of any business. The withdrawal of any shareholder after the commencement of a meeting shall have no effect on the existence of a quorum, arta- aquae= his been established at such mating Section 6— (a) Except as otherwise provided by applicable provision of the Virgin Islands Code or by the Artides of Incorponnon, any corporate xenon to be taken by rote of the shareholders shall be authorized by a majority of votes cast at a meeting of shareholders by the holders of shares entitled to vote thereon. (b) Except as otherwise provided by applicable provision of the Virgin Islands Code or by the Anklet of Incorporation, at each meeting of shareholders, each bolder of record of stock of the Corpotation entitled to vote thereat shall be entitled to one vote for each share of stock registered in his or ha name on the books of the Corporation (c) Each shareholder entitled to vote or to express <anent or dissent without a meeting may do so by proxy: provided, however, that the Instniment authorizing such proxy to act shall have been canned in uniting by the shareholder or the shareholder's attorney in fact thereunto duly authorized in uniting. No proxy shall be valid after expiation of eleven (11) months from the date of its execution, unless the person executing same &rats in said proxy that it shall continue in force for a longer period of time. Such IRSIMMCIIt shall be exhibited to the Secretary at the meeting and shall be filed with the records of the Corporation. (d) Shares registered in the name of another corporation, if entided to be voted, may be voted by the President or a proxy appointed by the President of such other corporation, unless some other person has been appointed to vote such shares pursuant to a by-law or a resolution of the band of directors of such 2 First Bank ItIld:0111IS dr LEGAL REOUIREMENTS i Ihitlilgll Tel HE I TRUE AND run COPT OF THE ORICINIL S _GM_00013606 CONFIDENTIAL CONFI nn I I %III RI. FirstBankPR000769 EFTA_00124249 EFTA01269416 other curperatiork in which case such person may vote such shares. Any fiduciary may vote shares registered in the name of such corporation as such fiduciary, either in person or by proxy. (e) Any resolution in writing, signed by a➢ the shareholders entitled to vote thereon, shall be and constitute action by such shareholders to the effect therein expressed, with the same force and effect as if the same had been duly paned by unanimous vote at a duly called meeting of shareholders of such resolution so signed and shall be inserted in the Minute Book of the Corporation under its proper date. ARTICIE III - BOARD OF DIRECTORS 5emion 1— Number. Qualification. Election and Terns of Offier (a) The number of Directon of the Coe cation shall be three (3) unless and until otherwise determined vote of a majority of the entire ➢oard of Directors. The number Directors by of shall in no event be less than duce (3). (b) Except as may otherwise be provided herein or in the Articles, the members of the Board of Directon of the corporation, who need not be shareholders, shall be elected by a majority of the votes east at a meeting of sbateholders, by the holders of shales, present in pets« or by proxy, entitled to vote in the election (c) Each Director shall hold office until the annual mating of the shareholders next succeeding his or her election, and unnl his or her successor it elected and qualified, or unt➢ his or bet prior death, resignation or removal. &atop 2 - Duties and Psiterer The Board of Directors shall be responsible for the control and management of the affairs, property and interests of the Corporation, and may exercise a➢ powers of the Corporation, except as are in the Articles or by applicable provisions of the Virgin Islands Code expressly conferred upon or reserved to the shareholders. Secdon 3 —Alumni and Reolaw Meetings: Notices; (a) A regular annual meeting of the Bond of Directors sha➢ be held in mediatdy following the annual meeting of the shareholders, at a place of such annual meeting of shareholdas. (b) The Board of Dummy*, from time to time, may provide for the holding of other regular meetings of the Board of Directors, and any fix the time and place thereof. (e) Notice of any regular meeting of the Board of Directors shall not be required to be given and, if given, need nor specify the putpose of the meeting; provided, however, that in ease the Board of Directors shall fix or change the time or place of any regular meeting, notice of such action shall be given to each Director who shall not have been meson: at the meeting at which such action was taken within the time funit, and in the manner set forth in paragraph (b), Section 4 of this Artide III, with respect to the special meetings, unless such notice shall be waived in the manner set forth in paragraph (c) of such Section 4. Session 4 — Special Meetings: Noticeg: (a) Special meetings of the Board of DI/C0.011 sea➢ he called by the President or by one of the Directors, at such time and place as may be specified in the respective notices or waivers of notice thereof 3 First Bank It WORDS & LEGAL HEM' I II EHENTS I FIST' FIER To III: .1, 1 R I' F. .13 IS Etta COPT OF THE ORIGIN.II. QM_00013607 CONFIDENTIAL CONFI f ID I %Ulla FirstBankPR000770 EFTA_00124250 EFTA01269417 (b) Except as wheedle required by the applicable provisions of the Virgin Islands Code, notice of special meetings shall be milled directly to each Threctoe, addressed to the Director at his or her residence or until place of business, at lent duce (3) days before the day on which the meeting is to be held, or shall be sent to the Director at such place by facsimile or email, or shall be &hatred to him or her personally or given to him or her othlly, not later than twenty-four (24) hours before the time at which the meeting is to be held. A notice, or waiver of notice, except as required by Section 8 of this Article ill. need not specify the purpose of the meeting (c) Notice of any *pedal meeting shall not be required to be given to any Director who shall attend such meeting without protesting the Lack of notice to the Director prior thereto or at its commenCentalt, or who wbmits a signed waiver of notice, whether before or after the meeting, Notice of any adjourned meeting shall not be requited to be given. (d) Unless otherwise restricted by the articles of incorporation or bylaws, any action rewired or permitted to be taken at any meeting of the board of directors, or of any committee thereof, may be taken without a meeting if all members of the board or committee, as the ease may be, consent thereto in writing, and the wnting or writings are filed with the minutes of proceedings of the board, or committee. Section 5— Chaim, 4," At all meetings of the Board of Directors, the Chairman of the Bond, if any and if present, shall turside. If there shill be no Chairman, or if the Chairman shall be absent, then the President shall preside, and in the Ptesidenes absence, a Chairman chosen by the Directors shall preside. Section 6— Chi. omits and Adjournments: (a) At all meetings of the Board of Directors the plevi.ec of a majority of the entire Board shall be necessary and sufficient to constitute a quorum for the transaction of business, except as otherwise provided by law, by the Articles, or by these Bylaws. (b) A majority of the Directors present at the time and place of any regular or special meeting, although less than a quorum, may adjourn the same from time to time without notice, until a quorum shall be present &viols 7 — bfannetof (a) At all meetings of the Bond of Directors, each Director present shall have one vote, itrespective of the number of shares of stock, if any, which the Director may hold. (b) Except as otherwise provided by applicable provisions of the Virgin Island* Code, by the Articles, or by these Bylaws, the action of a majority of the Directors present at any meeting at which a goon= is present shall be the act of the Board of Directors. Any action requited or permitted to be taken at any meeting of the Bond of Directors or any committee thereof, which action is authortred, in writing, by till of the Directors entitled to vote thereon and filed with the Minutes of the proceedings of the Board or the committee shall be the act of the Board of Directors or the committee, as the case may be, with the same force and effect as if the same had been passed by unanimous vote at a duly called meeting of the Board or the committee. Sosat)=VaRalsE Any vacancy in the Board of Directors occurring by reason of any increase in the number of Directors, or by reason of the death, resignation. disqualification, removal (unless a vacancy created by the removal of a Director by the shareholder(:) shall be filled by the shareholder(s) at the meeting at which the removal was effected) or inability ro 4 1 Ffrst Bank moans & LEGAL RIMIARE3IEN ES CERTIFIED TO IIE CIRCE AND ENACT COPT OF THE ORIGINAL S _GM_00013608 CONFIDENTIAL CONFI a I a1 I I %In RL ForstBankPRO00771 EFI'A_0012.425 I EFTA01269418 act of any Director, or otherwise, shall be filled for the unexpired portion of the icon by a remaining Directors present, though less than majority vote of the a quorum, at any regular meeting or special Directors meeting of the Board of eetion 9 — Resignation- Any Director may resign at any rinse by giving written notice to the Board of Directors, the Presiden Secretary of the Corporation. Unless otherwise specified t or the in such written notice, such resignation shall upon receipt thereof by the Board of Diu.- vrs or take effect such officer, and the acceptance of such resignation necessary to make it effective shall not be Section 10 — Removal; Any Director may be removed with or without cause at any time by the affirmative vote of thatcher:der® holding of record in the aggregate at least a majority of the outstanding shares of the C.orponttion at a special of the shareholders called for that purpose, and may meeting be removed for cause by action of the Board. IrlitalLtSaittln No stated salary shall be paid to Directors, as such, for their services, but by resolution of the Bond Direct= a fired sum and expenses of attendance, if of any, may be allowed for attendance at each regular meeting of the Bond; provided, however, that nothing or Tech] herein contained shall be construed to preclude any from serving the Corporation in any other capacity Director and receiving compensation therefor. Section 12— Contra-tar (a) No contract or other transaction bra.r.r. this Corpora tion and any other corporation shall be inferred, affected or invalidated, nor shall any Director be liable in any way by mason of the fact that any one or more of the directors of this Corporation Is or arc intereste d in, or is a director or officer, or are directors or officers of such other corporation, provided that such facts are disclosed or made known to the Board of Dinctoa. (b) Any Director, personally or individually, may bee party to or may be interested in any contract or transaction of this Corporation, and no Director shall be liable in any way by mason of such interest, provided that the fact of such interest be disclose d or made known to the Board of Director, and provided that the Board of Directors shall authorize, approve or ratify such contact or *Amnion by the yore (not counting the vote of any such Director) of a majority of a quorum, notwithstanding the presence of any such Director at the mot*g at which such action is taken. Such Director or Directors may be counted in determining the presence of a quorum at such meeting. This Section shall not be construed to impair or invalidate or in any way affect any comma or other transacti on which would othenvise be valid uncle the law (common, statutory or otherwise applicable) thereto. Section 13— Committees- The Bond of Directors, by resolution adopted by a majority time designate from among its members an executive committ of the entire Board, may from time to time to ee and such other committees, and alternate member thereof, as they may dean desirable, each consisting s of two (2) or more members, with such powers and authority the CCOZ/kt permitted by law) as may be provided in (to such resolution. Each such committee shall save at the of the Board pleasure 5 I First Bank RECORDS A LEGAL REDI' I BEHESTS CERTIFIED TO its: .t I E ENACT COPE OF THE ORIGINAL 4' S YGM_00013609 CONFIDENTIAL CONFI to I I %III RI. FirstBankPR000772 EFTA_00124252 EFTA01269419 ARTICLE IV - OFFICERS Section 1- Number. Qualification. Election and Term of Office. (a) The officers of the Consolation shall consist of a President, Secretary, Treasurer, and such other officers, including a Onion= of the Board of Directors, and one or more additional Vice-Presidents, Assistant Treasurers or Assistant Steretmes, as the Board of Directors may horn time to time deem advisable. However, the Company is not required to have officers other than the President, Secretary and Treasurer. The President of the Corporation shall be and any other officer may be, a Director of the Corporation. Any two offices (but not more than two) other than the offices of Gelman of the Board or President and Secretary or Assistant Secretary may be held by the same person. (b) The officers of the Corporation shall be elected by the Board of Directors at the regular annual meeting of the Boud following the annual meeting of shareholders. The salaries of all officers shall be fixed by the Board of Directors. (C) Each officer shall hold office until the annual meeting of the Board of Directors next succeeding his election, and until his or her successor shall have been elected and qualified, or until his or ha death, rerignation or removal. Section 2— Resignation; Any officer may resign at any time by giving written notice of such resignation to the Board of Directors, or to the President or the Sammy of the Corporation. Unless otherwise specified in such written notice, such resignation shall toe effect upon receipt thereof by the 'Said of Directors or by such officer, and the acceptance of such resignation shall not be necessary to make it effective. Section R — Removal Any officer may be removed, either with or without cause. and a successor elected by a majotiry vote of the Board of Directors at any time. Section 4 —Vacancies• A vaancy in any office by tenon of death, resignation, inability to au, disqualification, or any other cause, may at any time be filled for the unexpired portion of the tam by a majority vote of the Board of Directors. Section 5 — Duties of Office's; Officers of the Corporation shall, unless otherwise provided by the Board of Directors, each have such powers and duties as generally pertain to their respective offices, as well as such powers and duties as may be set forth in these Bylaws, or may from time to time be specifically confessed or imposed by the Bond of Directors. (a) The President shall be the chief executive officer of the Corporation. (b) The Vice-President, if any, shall perform the duties as required by the President or the Board of Directors. Dating any absence or incapacity of the President, the Vice-President shall be the acting chief executive officer of the Corporation, ramming the duties of the President until the President's resumption of same or until otherwise directed by the Board of Directors. 6 111331111LS & 11:1131. MAW I 111:111IVIS IERTIFIE11Al IIE Intl: .1N D I:WIMPS OF THE ORIGINAL _GM_00013610 CONFIDENTIAL CONFID FiratElankPR000773 EF1'A_00124253 EFTA01269420 (c) The Treasurer shall have the custody of all books of account and the finds and securities of the Corporation. He shall disburse the hinds of the Corporation in payment otiose demands against the proper vouchers (or such disbursements. He or she shall render an annual report to the Board of Director: for the benefit of shareholders concerning the finances of the C.orpotaion. The Treason= shall perform such other duties as are incidental to his or her office and such as are required by the President or the Board of Directors. The TTMUM shall hold office at the pleasure of the Board. (d) The Secretary shall have custody of the seal of the Corporation; shall conduct such correspondence on behalf of the Corporation as shall be required by the President and shall diseharge such additional duties from time to time as may be required by the President or the Board of Directors. The Secretary shall issue all notices requited for the holding of meetings of the Board of Directors and of shareholders; shall keep minutes of all meetings of shareholders; shall perform such additional duties as are incidental to the Secretary's office; and shall hold office at the pleasure of the Board. (C) The Assistant Secretaries and the Assistant Treasurers, if any, in general, shall pertain such duties as shall be assigned to than by the Secresny or Treasurer, respectively, or by the President or the Board of Directors. Section 6— Sureties and Bondy In are the Board of DL shall so require, any officer, employee or agent of the Corporation shall execute to the Corporation a bond in such sum, and with such surety or sureties as the Board of Directors may direct conditioned upon the faithful performance of his or her dtmes to the Corporation, including responsibility for negligence and for the accounting for all property. funds or securities of the Corporation which may come into his or her hands. Section 7 — Shares of Other Corp/radon% UST:entre: the Corporation is the holder of shares of any other corporation, any sight or power of the Corporation as such share-hot (including the attenelmee, acting and voting at shareholders' meetings and execution of waivers, consults, proxies or other instruments) may be exercised on behalf of the Corporation by the President or such other person as the Board of Directors may authorise. eartion 8 — Comnensaslon of Offices*: The officers shall receive such salary or compensation as may be fixed and determined by the Bond of Directors. Any payments made to an officer of the Corporation such as a misty, commission, bonus, interest, or rent, or entertainment :impasse incurred by him or her, which shall be disallowed in whole or in part as a deductible expense pursuant to the Internal Revenue Code of 1986, as amended, as applicable to the U.S. Virgin Islands, shall be reimbursed by such office: of the Corporation to the full extent of such disallownice. It shall be the duty of the Directors, as s Board, to enforce payment of etch such amount disallowed. he lieu of payment by the officer, !abject to the determination of the directors, proportionate an may be withheld from future compensation payments until the amount owed to the Corporation has been recovered. ApajCLE V - SHARES OF STOCK Ssoisial=C• snifutatosfItack (8) The certificate; representing shams of the Corporation shall be in such form as shall be adopted by the Board of Directors, and shall be numbered and registered in the order issued. They shall bear the holder's name and the number of shares, and shall be signed by (i) the Chairman of the Board or the President, and 7 First Bank II ;OBITS A Uhl i.1I. BEOI'IRF.HEST'S CERTIFIED TO HE ATM' I: AND EXACT COl' OF THE ORIGINAL S _GM_00013611 CONFI 11 I In I I NW RI CONFIDENTIAL FirsSankPRO00774 EFTA_00124254 EFTA01269421 (a) the Secretary or Tressuret, or any Assistant Secretary or Assistant Treasurer, and shall bear the corporate seal (b) No certificate representing shares shall be issued until the full ailment of consideration therefor has been paid, except as otherwise permitted by law. (C) To the extent permitted by law, the Board of Directors may authorize the issuance of cestificates for fractions of a share which shall entitle the holder to maniac voting rights, receive dividends and participate io liquidating dintibutions, in proportma to the fractional holdings; or it may authorize the payment in cash of the fair value of fractions of a sham as of the time when those entitled to receive such fractions are detettnineth or it may authorize the issuance, subject to such conditions as may be permitted by law, of scrip in registered or barer fonn over the signature of an officer or agent of the Corporation, exchangeable as therein provided foe full shares, but such scrip shall not entitle the holder to any rights of a shareholder, except as therein provided. Sn4on 2— Last or Destroyed C.reiliesrer The holder of any certificate representing shares of the Corporation shall immediately notify the Corporation of any loss or destruction of the certificate representing the same. The Corporation may issue a new certificate in the place of any certificate theretofore issued by it, alleged to have been lost or destroyed. On production of such evidence of loss or destruction as the Bond of Directors in its discretion may respire, the Hoard of Dimmers may require the owner of the lost or destroyed certificate, or such owner's legal representatives, give the to Corporation a bond in such sum as the Board may direct, and with such surety or sureties as may be satisfactory to the Board, to indeirarn the Co:pomace against any claim, loss, liability or damage it may suffer on account of the issuance of the new certificate. Anew certificate may be issued without requiring any such evidence or bond when, in die judgment of the Board of Directors, it is props so to do. Sr:Mon i — Transfer ofShares: (a) Transfers of shares of the Corporation shall be made on the share records of the Corporation only by the holder of the record thereof, in person or by his or her duly authorized attorney, upon surrender of the certificate or certificates representing such shares, with an assignment or power of transfer endorsed theteon or delivered therewith, duly executed, with such proof of the authenticity of the **arum and of authority to transfer and of payment of trawler taxes as the Corporation or its agents may require. (b) The Cotpontion shall be entitled to treat the holder of record of any share or shares as the absolute owner thereof for all purposes and, accordingly, shall not be bound to recognize any legal, equitable or other claim to or interest in, such share or shares on the pan of any other person, whether or not it shall have express or other notice thereof, except as OtlitIV/iSC expressly provided by law. (c) No shareholder shall sell, convey, assign or otherwise transfer any of his or ha shares of stock without first offering the same to the Corporation at the lowest price at which the shareholder is waling to dispose of the same; and the Corporation shall have thirty (30) days within ninth to accept same the Corporation shall notify the shareholder of its election in writing. If accepted by the Corporation, the shareholder shall promptly assign the shares of stock to the Corporation, and the Corporation shall promptly pay therefor. IT the Corporation rejects the offer, then the shareholder shall offer the stock to the remaining shareholders under the same terms as offered to the Corporation, and the remaining shareholders shall have thirty (30) days within which to collectively or individually accept same in writing. If the remaining shareholders reject the offer, then the shareholder shall have the tight to sell the stock at the same or grata price than that at which it was offered to the Corporation. if the shareholder shall desire to sell the stock at a lesser price than that originally quoted to the Corporation, the shareholder most then repeat the process of offering same for 8 1 First Bank RECORDS A LEGAL RE011R DIENES CERTIFIED Tts IIE TRUE AND EXACT COPT OF THE ORIGINAL S _GM_00013612 CONFIDENTIAL CONFI t ID I I NATURE FkatBankPR000775 EFTA_00124255 EFTA01269422 sale to the Corporation and the shareholders in turn. In no event shall the shareholder sell his or her loner price than that at which he or she offered stock at the same to the Corporation. Shares of stock Corporation shall not be transferred or sold until the in this sale or transfer shall have been reported to the Directors and approved by them. Board of No shareholder did pledge as collateral (or indebtedness any of his or her shares of stock without obtaining the writren consent of a majority of first the disinterested members of the Board of Director Corporation. s of the Section 4 — Record Date In lieu of dozing the share records of the Corporation, the Board of Directors may fix, in advance, a date not acceding fifty (El) clays, nor fewer than (10) days, as the record date foe the determination of shareholders entitled receive notice of, or to vote at, any meeting of sharehold to ees, or co consent to any proposal without a meeting, or the purpose of determining the shareholders entitled to for receive payment of any dividends, oe allotment of any rights. or for the purpose of any other action. If no record date is fixed, the record date for the determination shareholders entitled to notice of or to vote at a meeting of of shareholders shall be at the close of business on the day next preceding die day on which notice is given, or, if no notice is given, the day on which the meeting is held, that the record date for determining the digibility of shares except to be voted on at any demi= for directors, shall be no fewer than 20 days next preceding such election of directors: the record date for determining shareholders for any other purpose shall be at the close of business on the day on which the resolution of the Directors relating thereto is adopted. When a determination of shareholders of record emitted to notice of or to vote at any meeting of shareholders has been made as provided for herein, such determination shall apply to any adjournment thereof unless the Directors fix a new record date for the adjourne d meeting. taTICLUELDBILDIEBSI5 Subject to applicable law, dividends may be declared and paid out of any funds available therefor, as often, in such amounts, and at such time or tines as the Board of Director s may determine. ARTICLE. VII - EYSEAL VP A$ The fiscal year of the Corporation shall be fixed by the Board of Directors from time to time, subject to applicable law. ARTICLE VIII - CORPORATE SEAL Section 1— Seal: The Corporate seal shall be in such form as shall be approved from time to time by the Board of Direction. The Board of Directors may authorize one or more duplicate seals and provide for the custody thereof Section 2 - Affixing Seal: Whenever the Corporation is required m place its corporat seal e ro a document, it shall be sufficient to meet the requirements of any law, rule or regulation reining to corporate a seal to impress, affix or reproduce a facsanile thereof adjacent to the signature of the authorized officer. 9 1 Rat Bank RFA/0RIN a LESLIE HIl0EINEM,:XIS CERIUM:PTO BE A TREE A X II EXALT COPT OF THE. ORICINAL S Y_GM_00013613 CONFIDENTIAL CONFI I to I I NW RI. FirstBankPR000776 EFTA 00124256 EFTA01269423 ARTICLE IX - AMENDMENT$ Section 1- By harelsolders: All Bylaws of the Corporation shall be subject to alteration or repeal, and ncw Bylaws may be mad; by the affirmative vote of shareholders holding of record in the aggregate at least a majority of the outstanding shuts entitled to vote in the election of Directors at any annual or special meeting of shareholders, provided that the notice or waiver of notice of such meeting shall have summarized or set forth in full therein the proposed amendment. eetionlzBy_RizesIgig: The Beard of Dill:VCRS shall have power to make, adopt or amend Bylaws of the Corporation, except that the Board of Director shall have no power effectively to change the quorum for meeting} of shareholders or of the Board of Directors, or to effectively change any provisions of the Bylaws with respect to the removal of directors or the Filling of vacancies in the Board resulting from removal by the shareholders; provided, however, that the shareholders entitled to vote with respect thereto as in this Article IX above-provided may alter, emend or repeal Bylaws made by the Board of Directors by a majority vote of the shareholders. If any Bylaw regulating au impending election of Directors is adopted by the Board of Directots, that effectively amends or repeals a regulation concerning the method, notice, quorum necessary or otherwise substantially affecting the mans for conducting an impending election of the Bond of Directors, there shall be set forth in the notice of the next meeting of shareholders for the election of Directors, the Bylaw so made and adopted together with a concise statement of the changes made. Any person who was or is a party or is threatened to be made a party to any throat-rod, pending or completed action, suit or proceeding. whether civil, criminal, administrative or investigative (other than an action by or in the right of the Corporation) by reason of the fact that he or she is or was a director, officer, employee cc agent of the Corporation, or is or was serving at the request of the Corporation as s director, officer, employee or agent of another corporation, pannership, joint venture, met or other enterprise, may be indemnified by the Corporation against expenses (including attorneys' fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by him or her in connection with such action, suit or proceeding if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the Corporation, and with respect to any criminal action or proceeding, he or she had no reasonable muse to believe hts or her conduct was unlawful. The termination of any action, suit or p. ing by judgment, order, settlement, conviction, or upon • plea of nolo contendere or its equivalent, shall not, of itself, aerate a presumption that the person did not set in good faith and in a manner which he or she reasonably believed to be in or not opposed to the best interests of the Corporation, and with respect to any criminal action or proceeding, had reasonable cause to believe that his or her conduct was unlawful. Any indemnification under die foregoing provisions shall be made by the Corporation only as authorized in the specific ease upon a determination that indemnification of a director, officer, employee or agent is proper in the circumstances because he or she had met the applicable standard of conduct set forth above. Such dewarnination shall be made by the Board of Directors by a majority vote of a quorum consisting of Directors who were not parties to such action, suit or proceeding; or if such a quorum is not obtainable, or even if obtainable and the quorum of disinterested Directors so directs, by independent legal counsel in a written opinion, or by the shareholdas. Expenses incurred in defending a civil or criminal action, suit or proceeding may be paid by the Corporation in advance of die final disposition of such action, suit or proceeding as authorized by the Bond of Directors in the specific case upon receipt of an undertaking by or on behalf of the Director, officer, employee or agent to repay such 10 1First Bank nEcuniks A 1.1i1111. RE1117111IMENTS CERTIFIED To BE .t MIT AND TSUI CODY OF THE. 0RICIX.U. I p S GM_00013614 CONFIDENTIAL CONFI I In I I Sill RI. FirstElankPR000777 EFTA_00124257 EFTA01269424 amounts unless it shill ultimately he determined that he or she is emidel to be indemnified by the Cotporation as herein authorized. The ineknakation herein provided by this Section shall not be deemed exclusive which those seek* indemnification may be added under any of any other tights to bylaw, agreement, vote of stockholders or disinterested Directors a otherwise, both as to action in his or her official capacity and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be • Director, officer, employ« of agent and shall inure to the benefit of the heirs, aecutoes and Rebinds:dors Mauch pion. The Cos-pontoon may purchase and maintain insurance on behalf of any person who is a was a director, officer, employee or agent of the Corporation or is or was serving st the request of the Corporation as a Director, Officer, Employee or Agent of another corporation, partnership. joint venture, mist or other enterprise "dint any bsbdsty asserted against him and inonsed by him or her m any cud capacity or arising out of his or her stated as such, whether or not the Corporation would have the power to indemnify him or her against such liability under the provisions above set forth. For purposes of this Article, references to "the Corporation" shall include, in addition to co:potation, any constituent coepotation (Including any constituent of a constituent) goodiel the resulting in a consolidation or merger winds, if its separate existence had continued, would have had power and authority to indemnify its ditenton, officers, and employees or agents, so that any person who is or was a Director, Officer, Employee or Agent of such constituent cog:madam or is or was serving at the request of such constituent corporation as a director, officer, employee or agent of another corporation, penntainp, joint venture hurt or other enterprise, shall stand in the same position under the provisions of this Section with respect to the resulting or surviving corporation as he or she would have with respect to such constituent corporation if its separate carom had continued. The amount of indemnity to which any officer or Director may be entitled shall be fixed by the Board of Din, as, except that in any case where there is no disinterested majority of the Board available, the amount shall be fixed by arbitration pursuant to the then existing mks of the AnttliClea Arbitration Association. Adopted this 21! day of November, 2MI at the meeting of the Incomotarots. 11 1 Furst Bank RECOMOS & LEGAL I It E1IliVIS I I:REIFIED TO DE T RI .1N D F.EXT COPE OF THE. ORICIN.II. FN S _GM_00013615 CONFIDENTIAL CONFID til RE FirstBankPR000778 EFTA_00124258 EFTA01269425 1First Bank Corporate Resolutions For Telephone/ Virgin Islands Telex/Facsimile/Written Instructions We hereby certify that at a Meeting of the Board of Directors Laurel. Inc. A company duly organized and existing under the laws of U.S. Virgin Island Held at Arnencan Yacht Harbor on the 5 day of Apra 20 12 IT WAS RESOLVED 1. That the company issue in favor of FirstBaok {the -Bank-) a Corporate Avtayxization and Indemnity Agreement For Telephone/TelextFaosimIleNtritten Instructions in the form required by the Bank, a copy of such form having been presented to and approved by the Board of Directors Richard Kahn Treasurer, Jeanne Brennan 0 and / 2. That Jeffrey Epstein President Accountant Art Mara an0 Coma TRW 0 or "MI Weft Aro caveat m.i be authorized to execute the said Authorization and Indemnity Agreement in favor of the Bank. Certified as being a true copy of the Resolution of the Board of Directors. IN WITNESS WHEREOF, I have hereunto set my hand as Director/Secretary of the corpctabon this 5 coy of April . 20 12 . Darren in0Ae. Secretan, Name ant Tee Select One 1 Prat Bank RECORDS A LEGAL REQUIREMENTS EitTIEIT0 TI) BE .1 TRUE AND Finia44. WOn use ,* a a thnknol %themPuela0 EttI1 ("HIM OE THE. ORIGINAL WO-ate-COM CONFIDEN. mfAt, S GM 00013616 %II RI. CONFIDENTIAL FirstBankPR000779 EFTA_00124259 EFTA01269426 1First Bank Corporate Authorization and Indemnity Agreement For Virgin Islands TelephonefTelmdFacsimile/Written Instructions 1 Authorization. The undersigned hereby requests and authorizes FirStBank (the 'Bank') to accept and act upon any instruchons rinsing:Done) delivered by telephone a telex or wizen or facamle transmission given or @Pate@ @en by a person a persons authorized to transact business with the Bank as shown on the corporate easokition or other evidence a advice of authority from time to time maintained in the records of the Bank. 2. tigLablifyikaank, The tsi4ntoed accepts the risk that instructions may De given by an unauthorized person and agrees that the Bank war have no liablity or response:day for acting in accordance with any Instructions, whether or not genuine or duly authorized. The Bank Mal have no liability or responsibility for any misunderstandings arising out of any telephone Instructions. 3. eartiritv Procedures. The security procedure agreed upon for vatting the authenticity of Instructions is a cal back to any of the }Wowing in:kidders, whether or not such indMdual has initiated any such transfer. (The Bank rec0rntnendS that the persons designated below snood nor be persons who generally issue Instructions. Whenever Possible, the Bank WA endeavor to call someone other than the issuer of the instructions) Name and Title Telephone Number (InCJUde COuntry!Anra Code) Jeffrey Epstein, President Richard Kahn, Treasurer Joanne Brennan, Accountant Alternatively. at the Bank's option, the call back may be made to any person designated on the signature cards a any other account documentation on file with the Bank for the underSigneir$ accounts as authorized to issue Instructions or otherwise transact business on such account. In addition to can back, the parties agree that for Instructions received by Warn* transmission, or in writing, the Bank will determine whether the Instructions purport to bear the signature of any Individual who is designated on the current signature cards or otter account documentation on file with the Bank for the undersigned's account(s) as authorized to Ssue Instructions or °mews° transact business on such accounts. The security procedures and other terms specified m this Agreement also apply to amendments and canceaations of Instructions It is understood that these security procedures are designed to verify the authenticity, and not the oafrectnosE of Instructions. The Bank may. at its option, record (electronic-31y a otherwise) any call back made pursuant to this Agreement, any Instructions or other wistruetent given by telephone and any other telephone discussions relabng to Instructions. The undersigned agrees that its rights and duties and those of the Bank hereunder shall be governed by the terms of the Bank's Account Terms and Condibons (as may be amended from time to time) appleable to the undersigneifs accounts at the Bank. The undersigned agrees that the security procedures set lath herein constitute a oannteroay reascrabie method of providing security Karst unauthorized Instructions. The undersigned agrees to be tout by any Instruction, whether a rot authorized. *UM In the undersigned's name and accepted by the Bank in compliance with the security procedure set forth herein and the undersigned agrees to indemnify and hold the Bank harmless from any loss suffered or Lability incurred by the Bank in. or arising from the Barks execution of Instructions believed by the Bank in good faith to have been given signed in the case of any facsimile transmission) by a person authorized as provided above. provided the Bank has complied with such sepal" prooeckre. 4. Dank lyayipecfneSS, It is understood that the Bank shall have no obigation to execute any Instruction @less and until such Instruction is verified in accordance with the security procedures set forth herein, and the ucdcrsbncd wJl indornriN and hold the Bank hankies from any loss suffered a lability incurred by the Bank in refraining from processing an Instruction after all reasonable efforts to verify such Instnictica in accordance with this agreement have failed ce in de:ay.ng the execution of an Instruction unlit such verification is obtained. Upon notice to the undersigned, the Bank may also, at its option. refuse to execute any Instnicttn cc part thereof for any other reason without incurring any reSpaisthily for any loss. lability or expense arisng all ot such refusal. 5. Indemni'v The undersigned agrees to indemnity the Bank, it's affiGates, subsiCraries and thee directors, officers, representatives and agents on demand for al losses, clams. damages or expenses (including legs/ lees and disbursements) which rt a any of them may suffer a incur in CCOnection with this Agreement. including, but not limited to. acting or refusing to act on any Telephone or Telex a Facsimile a Written Instruction, whether or not genuine a duty authorized. 6. Our continued issuance of Transfer Instructions following our receipt. execution and return of this letter to the bank will constitute our agreement to the sectrity procedures and other terms specified herein. Account Holders: Laurel, Inc. Corporate Name Signature( Bank AI. HEM' I HEHEN I S ame(s) and Titirs(s) CERTIFIED T11 RE TRUE INII EXACT ('OPT OF THE ORM XII. rattan. Wr Lidtra is a Cintsoi ofFrier*Pump Rico 1 GM_00013617 CONFIDENTIAL CONFI I in t11 RE FirstBankPR000780 EFTA 110124260 EFTA01269427 1First Bank Corporate Resolution Wpm Ward, I. the undersigned Secretary, hereby certify to FirstBank. that at a meeting of the Board of Directors of Laurel, Inc. ('Corporation') a corporation organized and most* under the laws of U.S. Vinqin Islands duly eared and duty held on the 5 day of April . 2012 the frAkming Resolutions were duly adopted, and that the said Resolutions have Wien entered upon the reveal' minute books of the Corporation, are in accordance with the By-Laws and are now in fult force and effect. RESOLVED: 1. The Officers of Corporation, or any one or more of tern, are hereby authorized to open a bank account or accounts from time to time with FirstBank and its subsidiaries and affiliates (each being hereinafter referred to as 'Bane) for and in the name of Corporation with such title or tales as he or they may designate. The President, Secretary alaCS by ice petertstephontiat es. Preis:art meat adackener rot of Corporation. signing singly (fie noose d signing in oda* est. on*. any ve. etc, and their successors and any other perSOn hereinafter authorized by any means to sign on behalf of Corporation ("Authorized Person(sy) are hereby authorized to sign, by hand or by facsimile (indozfireb but not Ignited to. computer generated) signature(s). checks. drafts. acceptances and other instruments (hereinafter each collectively referred to as ltenits1). Notwithstanding the above, any Authorized Person is authorized singly to: (1) Mate Automated Clearing House ("ACW) debits without a signature: (2) Male payments by use of Depository Transfer Checks ('OTC") without a signature other than the name of Corporaton periled on the DTC: or (3) give instructions, by means other than the signing of an Item. with respect to any account transaction. mending. but not limited to, the payment transfer or withdrawal at by wire, computer or other electronic means. or otherwise, or of money. credits. items or property at any time held by Bank for account of Corporation (Instructions"). 3. Bank is hereby authorized to honor and pay Items, whether signed by hand or by facsimile (including, but not limited to. computer generated) signature(s) if the actual or purported facsimile signatures(s), regardless of how or by /Morn affixed. resembles the specimens filed with Bank by Corporation and othee orders. DTCs. ACHs. and Instructions, given singly by any Authorized Person. Bank is further authorized to honor and pay DTCs, ACHs. Instructions, and other orders given singly by any Authorized Person. including such as may bring about or increase an overdraft and such as may be payable to or for the benefit of any Authorized Parsec or other Officer or employee Individually, without inquiry as to the cirdumstanceS of the' ssuance or the disposition of the proceeds thereof and without limit as to amount. 4. Bank is hereby authorized to accept for dePosit, for nett, or for collection, or otherWLSO. Items endorsed by any person or by stamp or other impression in the nwrie of Corporation without inquiry ea to the circumstances of the endorsement or any lack of endorsement or the deposition of to proceeds. 5. The President Inicebtay Tn personisjavisatZt4 to aced teens. Adverces et.. sp.. Prescent Inze Pretedent. rnewrer. ere I of Corporation, signing sinoy (inciolte kw notes. etc ere ts te aro. e.g.. liners ivy tat et) am hereby authorized to effect loans and advances and obtain credit at any time for Corporation from Bank (and guarantee on beealf of Corporation the obleaticns of others to Bank), secured or unsecured, and for such loans and advances and teach and guarantees to make, execute and delver promissory notes arid other written obligations or evidence of indebtedness of Corporation. applications for letters of Credrt. Instruments of guarantee and indemnify and any agreements or undertakings. general or specific, with respect to any of the foregoing, and as security for the payment of loans. advances. Lndebtedness. guarantees and liabilities of. or Credit given to. Corporation or others to pledge, hypothecate, mortgage, assign. transfer. grant liens and security interests in, give rights with respect to. endorse and deriver property of any description. real or personal. and any interest therein and evidence of any thereof at any time held by Corporation, and to execute mortgages, deeds of trust, security agreements. instruments of transfer. assignment or pledge. powers of attorney and other agreements or instruments which may be necessary or desirable in connection therewith: and Es5o to sell to, or discount with Bank. commercial paper. bats receivable, accounts receivable, stocks, bonds or any other sea:tees or property at any lime held by Corp:aeon, and to that end to enclose. assign, transfer and deliver the same; to execute and deliver instruments or agreements of subordination and assignment satisfactory to Bank and also to give any orders or consents for the delivery, sale. exchange or other disposition of any property or interest thiamin or evidence thereof belonging to Corporation and at any time in the hands of Bank. whether as collateral or otherwise; and to execute and deliver such other agreements. instruments and documents and to do such other acts and things as may be necessary or desirable or required by Bank in connection with any of the foregoing and Bank is hereby authorized to hence. accept and execute any of the transactions described above. 6. All loans. discounts and advances heretofore obtained on behalf of Corporation and all notes and other obligations or evidences thereof of Corporation held by Bank are hereby approved, ratified, and confirmed. 7. Corporation does hereby give to Bark a continuing hen for the amount of any and all liabilities and ottgations of Corporator) to Bank and claims of ovary nature and description of Bank against Corporation, whether now misting or hereafter Marred. origingy contracted with Sank andet with another or others and now or hereafter owing to or acquired in any matter by Bank. weather contracted by Corporation alone or pinly andror severally with another or others. absolute or contingent. secured or unseated. matured or unmatured upon any and all moneys. securities and any and all other property of Corporation and the proceeds thereof, now or hereafter actually or constructively held or received by or in transit In any matter to or from Bank, its correspondents or agents from or for Corporaton, whether for safekeeping. custody, pledge. Vansmtssion. collemon or otherwise Calling into the possession of Bank in any way. Bank shall also nave a right 01 set of for the amount of the obligations, and Bank may at any time or Imes and without notice apply Corporation's deposits (general Cr spools). Corporation's credits with Bank, or Corporation's claims against Bank. or any parts thereof, to such obligations and in such amounts as Bank may elect. athough said obigations may be contingent or unmatured and whether any collateral therefore is deemed adequate or not 8. In case of conflict/1g claims or disputes. or doubt on Bank's part as to the validity, extent. • pelt° CASE Jf Ery of ti n authorities herein contained Bank may but need not recognize nor give any effect to any :tea.; erw en purporting to cancel, restrict or change any of said authorities, or the exercise thereof. - Bark e, t.y u.w juOy men! decree or order of a court baying jure/Neter-I or the subject matter and of the parties to such ititiVitinkirrigthill Illt DIE:tit% CElltIrlI:II To HI: t tall: TN D Ilk 111 i all' IMICIN.U. Anther* roe Wets n e 1>enOlotFrsraan& Peer Red SDNY_GM_00013618 CONFI e‘t.Susicesot CONFIDENTIAL FirstBankPR000781 EFTA_00124261 EFTA01269428 "Th 9. Corporation agrees to be bound by the Terms and Conditions for Business Accounts and Services. as well as any signature card, deposit ticket, checkbook passbook, statement of account. receipt instrument. document or other agreements, such as. but not limited to. funds transfer agreements, delivered or made oval/J[4e to Corporation horn Bank and by ail account of Corporation is maintained. in each case with the same effect as notices posted al the office of Bank at which the if each and every teen thereof were set forth in full harem and made a part hereof. 10. The Officers of Corporation or any one or more of them are hereby authorized to act for Corporation in all other matters and transactions relating to any of its business with Bank including, but not limited to, the execution and delivery of any agreements or contracts necessary to effect the foregoing Resolutions. 11. Bank is hereby released from any liability and shall be indemnified against any loss, liability or expense arising from honoring any of these Resolutions. 12. Subject to paragraph 8 above. each of the foregoing Resolutions and the authority thereby conferred shall remain in full force and effect until withal notice of revocation or modflcation by presentation of new Corporate Resolutions and signature cards shall be received by Bank; provided that such notion shaft not be effective with respect to any exercise ci said authorities until Bank Mal have had a reasonable opportunity lo act thoreca and in no event prior to the receipt thereof nor with respect to any checks or other instruments. for the payment of money or the withdrawal of funds dated on or poor to the date of such notice, but presented to Bank after the receipt of such notice. The Secretary or any Assistant Secretary or any other Officer of Corporation is hereby authorized and directed to certify, under the seal of Corporation or not. but with like effect in the later case, to Sank the foregoing Resolutions. the names of the Officers and other nopresentatres of Corporation and any changes from time to time In the said Officers and representatives and specimens of their respective signatures. Bank may conclusively assume that persons at any time certified to it to be Officers or other representatives of Corporation continue as such until receipt by Bank of written notice to the contrary. I FURTHER CERTIFY that the persons herein designated as Officers ci Corporation have been duly elected to and now hold the offices in Corporation set opposite the' respective narrcs and that me following are the authentic, the named signatories who are rot Corporate Officers. to wit' official Signatures of the said respective Officers and of Name (Initerniten or Printed) Sea nature Jeffrey Epstein President Vice President Darren Indyke Secretary Rich Kahn Treasurer IN WITNESS WHEREOF. I have hereunto set my hand as Secretary and affixed the seal of the said Corporation this /, day of _DaQ, Toe AFFIX (CORPORATE SEAL) HERE • Note: In case the Secretary is authorized to sign by the above Resolutions, this certificate should be attested by a second Officer of Corporation. Bank RECOIRDS A LEGAL HEW'I IIEMENTS CERTIFIED TO HE .1 TRU E .1N le EXACT COPY OF THE ORICIN.U. I 7 CONFIDFNTtAsi,m,„„ S Y_GM_00013619 CONFIDENTIAL FirstBankPR000782 EFTA 00124262 EFTA01269429 e 'S Command ---> RMCB 04/02/19 Action I CUSTOMER REMARKS 10:18:40 LAUREL, INC 66-0776877 Cust Init7 N Remarks Add Employee Add Date Expiration Employee Expiration. Date CERTIFICACION BENEFICIAL OWNER RECIBIDO DE LA CUENTA 7211096827 00253 02/26/2019 00/00/0000 PF2-Bkwd PF6-CustRel FF9- SesSetUp ?F13-RemPwd PF15-Cust PF20-CustName PF5-AcctRel P78-CustAddr PF11-CustSvc ?F14-RemBkwd FF19-Top PF21-LstMaint RMPCC8S1 RM3004 I: LAST PAGE LAST 1Riot Bank RI I ORIN II II Iltl SP., EHTIFIEDPI BE G\.11 'I EOM' 01 11HE IMICIN.U. \); S _GM_00013620 CONFIDENTIAL CONFI .10 I N111111 FirstBankPR000783 EFTA 00124263 EFTA01269430 Command ---> RMRC 04/02/19 Action I CUSTOMER-TO-CUSTOMER RELATIONSHIP 10:18:43 LAUREL, INC 66-0776877 Rel Code Name and Address HIERARCHY TIN Telephone Number H/I Categories Percent BUS LAUREL, INC H Y N 100 6100 RED HOOK QTR B3 ST THOMAS VI 008 ACE JEFFREY E EPSTEIN QTRS STE B3 ST THOMAS VI PF1-Fwd PFS-AcctRel PF8-CustAddr PF11-CustSvc P116-Bal PF21-LstMaint 812-Bkwd PF6-Cur,Rel PF9-SesSetUp PF15-Cust P120-CustNamo RMPCRCS1 RM3004 :: LAST PAGE LAST k_Aj Bank RECDIII)S A 1.1.611.Itl.01 IIt 171 IA I S I ATI] II DIU III 17111'I 1\1i 11T.11 I HIPS III 1111 IPRILIN II CONFIDFNTIAL„,„, S Y_GM_00013621 CONFIDENTIAL FirstEankPRO00784 EFTA ((1124264 EFTA01269431 CERTIFICATION OF BENEFICIAL OWNER(S) The information contained in this Certification Is soughtpursuant to Section 1020.230 of Title 31 of the United States Code ofFederal Regulations (31 CFR 1020.230). r oom int Person opening an account on behalf of a legal entity must provide the following Infonnadon: 1. First Name and title of Natural Person Opening Account 2. Last Name I 3. Middle Initial JEFFREY EPSTEIN 4. Name and type of Legal Entity for Which the Account Is Being Opened LAUREL, INC. 4a. Legal Entity Address lb. City 4c. State 4d. ZWJPostal Code 6100 Red Hook Quarter B3 St. Thomas USVI 00802 SECTION I (Thaw addeonalinckvicluals. seepage 3) Please peered/the following information for an individuate). l any. who. directly or indirectly, through any titaTtift arrangement, understanding, relationship. or otherwise owns 20% or more of the equity interest oldie Legal entity titled above. Check here 0 It no individual meets this definition and complete Section a. & First Name & Last Name 7. MA I S. Date of Birth Jeffrey Epstein _ E I 01120/1953 9. Address 10. City 11. State 12. ZIPMostal Code 6100 Red Hook Quarter 83 St. Thomas USVI 00802 15. Identification Number (SSMPassoortotentiarorriewmaw 13. Country 14. fiSN S. Possonso MonoU.S.Pontn0 meter) USA 15a. State 0 Issuance: MM. Country of Issuance: 1& Ownership % USA USA 100 Ea: An hey dot mason number, Non-U.S. Parsons may So pr0vkl•• Saxe Seemly Melbas en sten Werntfocohon east numbv or notate and axonby a' imams 0 wry other gomomoneroMmual document orotaancing nationally or trance and tomemg ploologroph a Or amt. saleguart SECTION II Please provide the following nfomtation for an individual with semifinal* resoOnsibed for managing cc diroding the entity, including, an executive officer or senior manager (e.g., Chid Executive Officer. Chief Financial Officer. Chief Operating Officer. Managing Member, General Partner. President. Vice President. Treasurer), or My other individual who regularly parhXma endear furetions. 17. First Name M. Last Name 19„ M.L 20. Date or Birth Jeffrey Epstein 01/20/1953 E 21. Address 22. City 23. state 24. ZIP/Postal Code 6100 Red Hook Quarter 83 St. Thomas USVI 00802 26. SSN SSN tuS Pest Abs.U.S.Pancns) 27. Identificatkin (fair Passport hinter oroMorihnly 25. Country USA 27.. State of Issuance: 27b. County ofIssuance: USA USA ISta: Inked ces pompon number, Non-U.S Potacns may use prOsida Soclih Sleet, Number. an Om ldotekation eard number. Of number and courtly or issuance of any other boron monotssuact document ostAttoplig owalbtraky or rooklents and basing • phcioyaph or raw st4 lomed. I. JEFFREY E EEC (name of, by rectify, to the best of my knowledge, that the Information pr tied herein is tr above mentioned information CtLil REVS [ :WOO to provide the financial instils OR written nod& &swam Dale 1.SX4/4 NtiNC•16 IS.04 Ice P,c<2 O. 5 First Bank RECORDS A LEGAL REIN' I R EMENTS t Lamm) TO HE .1I RUE SNP ET UT TOPS OF THE ORIGINAL S _GM_00013622 CONFIDENTIAL CONFI It I III I I %tit RI. FirstBankPR000785 EFTA_00124265 EFTA01269432