The United States Trust Company of New York is cited in a court ruling concerning use of public funds to subsidize public transportation; ergo, it is likely that the item you show was an identification plaque on some piece of rail equipment secured by USTC as bondholder.

The link below is a very short case synopsis.

There are other links available on your favorite search engine,

Most likely. Visa gift cards generally work the same as a regular credit card, but if you want a definite answer, you should call NJ Transit and ask them.

Where is a disused and overgrown railroad spur that reader would like to live in refurbished private coaches?

I don't think so. The goal was the 4pm train. The reason behind obtaining that goal has not been met. Say for instance there was a girl that always took that train and you wanted to catch it in order to see her. You wouldn't see her on the earlier train.