EFTA00186450

# & TRUST COMPANY

July 26, 2001

Eric Gany

New York, New York 10022

RE: Visa Business' Card/Jeffrey E. Epstein

Dear Mr. Gany:

your request for a **VISA** Business Credit Card from Palm Beach National Bank & Trust

request, please provide the following applicable items:

Business Card Application, with personal guaranty completed and signed (without corporate titles) on the

MINIMUM CREDIT LINE - $5,000.00 MAXIMUM CREDIT LINE - $25,000.00.



- Corporate/Partnership or Sole Proprietorship Authorization Resolution



- For credit line requests exceeding $10,000.00

Current year-to-date Business Financial Statement;

Last two years of signed Corporate/Partnership Federal income tax returns OR an financial statement reflecting a minimum of the previous two years of financial information:

3. Current signed Personal Financial Statement for each guarantor. Guarantor(s) listed on the application must represent at least 51% of the ownership of the corporation/partnership;

4. Last two years of signed Personal Federal income tax returns for each guarantor. Guarantor(s) listed on the application must represent at least 51% of the ownership of the corporation/partnership

EFTA00186451

Page Two



July 26 2001


Please return all completed forms and financial information to my attention at:



bankCard Services





3931 RCA Blvd., Suite 3102

Palm Beach Gardens, FL 33410



you have any further questions, please do not hesitate to contact us at interest in our VISA Business Credit Card program.

Nancy J. Bruno

Vice President, Director of BankCard Services

Again, thank you for your