EFTA Document EFTA01282432

CERTIFICATE OF INCUMBENCY OF SOUTHERN FINANCIAL, LLC The undersigned, Jeffrey Epstein, hereby certifies as follows: 1. Attached as Exhibit A hereto is a true and correct copy of the Operating Agreement, dated February 16, 2013, of Southern Financial, LLC, a United States Virgin Islands limited liability company (the "Company"). 2. As provided in Section V of the Operating Agreement of the Company, I am the duly appointed manager of the Company, and, since the date of my appointment, I