APPENDIX 1 BUSINESS PLAN Southern Country International, Ltd. (SCI) is an International Financial Services Entity (IFSE) in the St. Thomas - St. John District, incorporated in the U.S. Virgin Islands and wholly-owned by Mr. Jeffrey Epstein. SCI's sole office and headquarters are located at American Yacht Harbor, 6100 Red Hook Quarter, St. Thomas, U.S. Virgin Islands. SCI will provide the following lines of business and services while ensuring that, except as specifically indicated below, none of the financial undertakings are granted to domestic persons (i.e., residents of the U.S. Virgin Islands): 1. SCI may make, arrange, guarantee, secure, bond or service loans or other financial undertakings. 2. SCI may engage in financial and business management services; 3. SCI may make commercial loans in excess of $1,000,000 to U.S. Virgin Islands borrowers that (i) have been rejected, or not approved within 30 days from submission, by any U.S. Virgin Islands financial institution; or (ii) bear interest at an interest rate of not less than five percentage points above the Federal Home Loan Mortgage Corporation's posted yield on the last business day of the month on a thirty-year standard conventional fixed rate mortgage; 4. SCI may make capital contributions in excess of $1,000,000 to U.S. Virgin Islands business entities in the U.S. Virgin Islands; 5. SCI may carry out banking transactions permitted by this chapter in the currency of any country, or in gold or silver, and participate in foreign currency trade; 6. SCI may underwrite, issue, distribute, and otherwise deal in securities, notes, debt, instruments, drafts, and bills of exchange, issued by SCI, or by a foreign person, for final purchase by a person outside of the U.S. Virgin Islands; 7. SCI may buy and sell securities and non-life insurance annuities for clients outside the U.S. Virgin Islands, and provide investment advice in relation to such transactions or separate therefrom, to such p