COMMERCIAL LENDING PACKET

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1 COMMERCIAL LENDING PACKET 2014

2 June 2014 Dear Applicant: The ERS Nationwide packet is intended for those who are not currently licensed under the BRE. CORPORATE DOCUMENTS Please complete and/or sign the documents in this folder and return them to Linda Wells at Be sure to also include a copy of your driver s license and a copy of your Social Security Card and/or passport. PLEASE NOTE: Any files received that are not complete will not be processed until such time as all documents have been completed in full and executed as required. Please do not conduct any business until all contracts are fully executed. LENDING DOCUMENTS This folder contains forms to have on hand once we have completed the sign-up process. OTHER DOCUMENTS Here you will find some excellent reading materials relative to commercial lending and some of our lender forms for your information and review. Be sure to check from time to time for new materials/documents. Thank you. Regards, Robert Do President/Broker DRE License Number: NMLS/MLO License Number:

3 CONTENTS Commercial Finance Advisor Packet Corporate Documents The following documents must be completed and submitted to the Corporate Office along with a copy of your driver s license. Please submit to: Linda Wells at Commercial Finance Advisor Contract Commercial Finance Advisor Confidentiality Agreement Commercial Finance Advisor Information Form IRS Form W-9 Lending Documents Loan Commitment Authorization Form Commercial Loan Application Personal Financial Statement Form IRS Form 4506-T Request for Transcript of Tax Return Credit Report Authorization and Release Form Appraisal Order Credit Card Authorization Form Other Documents Sample: East West Bank Commercial Real Estate Loan Application Article: Due Diligence Checklists for Commercial Real Estate Transactions Article: Understanding Commercial Lending 7412 Elsie Avenue Sacramento, CA fax

4 Corporate Documents

5 ERS NATIONWIDE INC. Commercial Finance Advisor Agreement This Commercial Finance Advisor Agreement ( Agreement ) is entered into as of, 2014, by and between ( CFA ) and ERS Nationwide Inc. ( ERS Nationwide ). INDEPENDENT CONTRACTOR/OUTSIDE SALES REPRESENTATIVE ERS Nationwide and CFA intend that, to the maximum extent permissible by law: (a) this Agreement does not constitute a hiring or employment agreement by either party; (b) ERS Nationwide and CFA are independent contracting parties with respect to services rendered under this Agreement or in any resulting transactions; (c) CFA only remuneration shall be his/her proportional share of all commissions collected by ERS Nationwide; (d) CFA retains sole and absolute discretion and judgment in the methods, techniques, and procedures to be used in soliciting and obtaining listings, sales, exchanges, leases, rentals, or other transactions, and in carrying out CFA s selling and soliciting activities, except as required by law or in ERS Nationwide s Office Policy Manual, if any; (e) CFA is under the control of ERS Nationwide as to the results of CFA work only, and not as to the means by which those results are accomplished, except as required by law or in ERS Nationwide s Office Policy Manual, if any; (f) this Agreement shall not be construed as a partnership, joint venture, employer/employee agreement or any other agreement other than an independent contractor agreement; (g) CFA has no authority to bind ERS Nationwide by any promise or representation unless specifically authorized by ERS Nationwide in writing; (h) ERS Nationwide shall not be liable for any obligation or liability incurred by CFA; (i) CFA shall not be treated as an employee with respect to services performed as a real estate agent, for state and federal tax purposes; and, (j) the fact that ERS Nationwide may carry workers compensation insurance for his/her/its own benefit and for the mutual benefit of ERS Nationwide and licensees associated with ERS Nationwide, including CFA, shall not create an inference of employment. ERS Nationwide will work with CFA s on a contract basis only and will supply no marketing materials, desk space, or anything that would constitute employee status as per the IRS 20 test rule. SCOPE OF SERVICES CFA shall work diligently and with his/her best efforts to: develop and structure mortgage loans for office buildings, shopping centers, hotels and other commercial properties; provide information or financial advice on commercial mortgage financing products; prepare formal loan analysis for commercial loan transactions to be submitted to lenders, including formal loan analysis presentations for clients, if needed; manage loan transactions from origination through closing and follow-up after loan closing; direct activities supporting the ERS Nationwide s image in areas of responsibility; conduct continuous reviews of borrower s compliance with loan terms and covenants; promote the business of serving the public in commercial lending transactions to the end that ERS Nationwide and CFA may derive the greatest benefit possible for the client and ERS Nationwide; comply with all state and federal lending laws and internal policies and procedures. It is important note that ERS Nationwide is a California Finance Lender/Broker. ERS Nationwide does not fund nor underwrite the loans that clients receive; thus, final approval will come from the lenders/banks. The interest rates that are quoted will come only from the lenders that we work with that are properly licensed to conduct business under the law. As a Commercial Finance Advisor, you have the fiduciary responsibility to work in the best interests of your clients and performing only those activities that are permitted by law. As an independent contractor you will be responsible for understanding the law. In many circumstances you will be representing a client as an advisor only and to assist in the formal lending process; the lenders/banks that we work with will have their own internal banking

6 managers/officers that will provide the bank terms and rates to the client. The fee that ERS Nationwide receives is for our advisory services only, not for funding our own capital, underwriting our own loans, or related activities. LIMITATIONS OF SERVICES By no means will CFA who does not hold a valid NMLS license, sell products and/or services, solicit for business nor represent such, to potential borrowers, nor shall they engage in any activity that requires an NMLS license for Residential Mortgage Loans. CONDITIONS ERS Nationwide will not provide space or any physical tools required for activities related to the performance of services to ERS Nationwide. ERS Nationwide team leaders will provide assistance relative to necessary ERS Nationwide requirements in the performance of services. ERS Nationwide training opportunities will be made available to CFA, but it is the sole responsibility of the CFA to utilize such opportunities. CFA agrees to maintain a professional appearance and to conduct him/herself in a professional manner at all times as a representative of ERS Nationwide. CFA services may require significant local travel to current and potential recruits, necessitating possession of a valid state driver s license and automobile insurance, evidence of which CFA will provide to ERS Nationwide within 60 days of the effective date of this Agreement. COMPENSATION CFA compensation will be based upon performance of services as outlined in the ERS Compensation Plan attached hereto as Exhibit A and incorporated herein by reference. ERS Nationwide will provide no other compensation to CFA. TERM OF AGREEMENT AND TERMINATION CFA is associated with ERS Nationwide for an unspecified term on an at-will basis. Except where it is otherwise expressly agreed in writing with the ERS Nationwide, either party may terminate their association at any time with or without cause or reason. In the event that the CFA has not closed any transactions or have any pending transactions in the pipeline in a 180 day period, the independent contractor relationship between ERS Nationwide and CFA will automatically terminate. CONFIDENTIALITY CFA in the course of performing the services hereunder may gain access to certain confidential or proprietary information of the ERS Nationwide. Such Confidential Information shall include all information concerning the business, affairs, products, marketing, systems, technology, customers, end-users, financial affairs, accounting, statistical data belonging to the ERS Nationwide and any data, documents, discussion, or other information developed by CFA hereunder and any other proprietary and trade secret information of ERS Nationwide whether in oral, graphic, written, electronic or machine-readable form. The CFA agrees to hold all such Confidential Information of the ERS Nationwide in strict confidence and shall not, without the express prior written permission of ERS Nationwide, (a) disclose such Confidential Information to third parties; or (b) use such Confidential Information for any purposes whatsoever, other than the performance of its obligations hereunder. The obligations under this Section shall survive termination or expiration of this Agreement. ENTIRE AGREEMENT This Agreement is the final, complete and exclusive agreement of the parties with respect to the subject matter hereof and supersedes and merges all prior or contemporaneous representations, discussions, proposals, negotiations, conditions, communications and agreements, whether written or oral, between the parties relating to ERS Nationwide Commercial Finance Advisor Agreement & Compensation Plan Page 2 of 4

7 the subject matter hereof and all past courses of dealing or industry custom. No modification of or amendment to this Agreement shall be effective unless in writing and signed by each of the parties. This Agreement is to be construed in accordance with and governed by the laws of the State of California. In the event that any disputes that arise between ERS Nationwide and CFA, ERS Nationwide and CFA will agree to binding arbitration with the Jurisdiction held in the county that the ERS Nationwide Corporate office is located in. IN WITNESS WHEREOF, the undersigned Commercial Finance Advisor hereby acknowledges that he/she has read, understands and agrees to the terms of and to abide by the guidelines and policies as stated herein. ERS NATIONWIDE INC. COMMERCIAL FINANCE ADVISOR Robert T. Do, President ERS Nationwide Inc. Date Signature Printed Name Date ERS Nationwide Commercial Finance Advisor Agreement & Compensation Plan Page 3 of 4

8 EXHIBIT A Commercial Finance Advisor Commission: 0-5 Closings... 50% 6-10 Closings... 60% Closings... 70% 16+ Closings... 80% All Closings are subject to regulatory compliance fees of errors & omissions insurance and overhead based on the commissions collected. E&O insurance fee is $ per $10,000 collected. Overhead fee is 2% for regulatory compliance and file storage. ERS NATIONWIDE INC. COMMERCIAL FINANCE ADVISOR Robert T. Do, President ERS Nationwide Inc. Date Signature Printed Name Date

9 COMMERCIAL FINANCE ADVISOR CONFIDENTIALITY, TRADE SECRETS, AND NON-SOLICITATION AGREEMENT This Confidentiality, Trade Secrets and Non-Solicitation Agreement ( Agreement ) is entered into by and between ERS Nationwide Inc. (hereinafter ERS ) and, Commercial Finance Advisor ( Independent Contractor ). AGREEMENT In consideration of the commencement or continuation of Independent Contractor s contractual relationship with ERS and the compensation paid to Independent Contractor, the sufficiency of which is acknowledged by Independent Contractor, Independent Contractor hereby acknowledges and agrees with ERS as follows: 1. Effective Date. This Agreement shall become effective on the earlier of (1) commencement of Independent Contractor s employment with ERS; or (2) Independent Contractor has a pre-existing relationship with ERS, the date and time at which any Confidential Information (as defined in Section 2(a) below) was first disclosed to Independent Contractor. 2. Protection of ERS Confidential Information. a. Confidential Information. ERS has and will develop, compile and own certain proprietary techniques and confidential information that have great value in its business ( Confidential Information ). ERS has and will also have access to Confidential Information of its Clients. ( Clients shall mean any persons or entities for whom ERS performs services or from whom ERS or Independent Contractor obtain information). Confidential Information includes not only information disclosed by ERS or its Clients to Independent Contractor in the course of his or her contractual relationship with ERS but also information developed or learned by Independent Contractor during the course of his or her contractual relationship with ERS. Confidential Information is to be broadly defined. Confidential Information includes all information that has or could have commercial value or other utility in the business in which ERS is engaged of in which it contemplates engaging. Confidential Information also includes all information of which the unauthorized disclosure could be detrimental to the interests of ERS or its Clients, whether or not such information is identified as Confidential Information by ERS or its Clients. By example and without limitation, Confidential Information includes all information concerning teaching techniques, processes, formulas, trade secrets, data, know-how, formats, marketing plans, business plans, strategies, forecasts, unpublished financial information, budgets, projections, and customer and supplier identities, characteristics, and agreements. Confidential Information shall also include, but will in no way be limited, to procedure binders, advertisement manuals, compliance manuals, and any other client contact database created used or employed by ERS. b. Protection of Confidential Information. Independent Contractor agrees that at all times during or after his or her contractual relationship with ERS, he or she will hold in trust, keep confidential, and not disclose to any third party or make any use of the Confidential Information of ERS or its Clients except for the benefit of ERS or its Clients and in the course of his or her contractual relationship with ERS. Independent Contractor recognizes that ERS restricts access to Confidential Information of its Clients to only those Independent Contractors who need to know that information to provide products or services to that Client.

10 3. Non-Competition during Contractual Relationship. Independent Contractor expressly agrees that, during the period of his or her contractual relationship with ERS Independent Contractor owes a duty of loyalty to ERS that requires Independent Contractor to act at all times in the best interests of ERS. Except with the express prior written consent of the President, Independent Contractor agrees that he or she will not, during the period of his or her contractual relationship with ERS, (a) engage in any employment or activity other than for ERS in any business in which ERS or its principles are engaged or contemplates engaging; (b) persuade or attempt to persuade any other employee or independent contractor of ERS to engage in any such employment or activity; or (c) solicit any Clients or potential Clients of ERS for services similar to those performed by. ERS even though not directly competitive with such services. 4. Prior Commitments. Independent Contractor has no other agreements, relationships, or commitments to any other person or entity that conflict with Independent Contractor s obligations to ERS under this Agreement. 5. Termination of Contractual Relationship. a. Return of Property. In the event of termination (voluntary or otherwise) of Independent Contractor s contractual relationship with ERS, Independent Contractor agrees, promptly and without request, to deliver to and inform ERS of all documents and data pertaining to his or her contractual relationship with ERS and the Confidential Information of ERS or its Clients, whether prepared by Independent Contractor or otherwise coming into his or her possession or control. Independent Contractor will not retain any written or other tangible material containing any information concerning or disclosing any of the Confidential Information of ERS or its Clients. b. Obligations Following Termination. Independent Contractor also agrees that in the event of termination (voluntary or otherwise) of Independent Contractor s contractual relationship with ERS, Independent Contractor will protect the value of the Confidential Information of ERS and its Clients and will prevent its misappropriation or disclosure. Independent Contractor will not disclose or use to his or her benefit (or the benefit of any third party), or to the detriment of ERS or its Clients, any Confidential Information. Independent Contractor further agrees that for a period of one year immediately following termination (voluntary or otherwise) of Independent Contractor s contractual relationship with ERS, Independent Contractor shall not interfere with the business of ERS by soliciting, persuading or attempting to persuade an employee or independent contractor to leave or sever its contractual relationship with ERS, or by inducing or attempting to induce any individual or business entity to sever its or any other individual s relationship with ERS. Nor shall Independent Contractor solicit or attempt to solicit any Clients from ERS for a period of one year immediately following termination (voluntary or otherwise) of Independent Contractor s contractual relationship with ERS. 6. Understanding: Independent Contractor acknowledges and agrees that the protections set forth in the Agreement are a material condition to his or her continued contractual relationship with and compensation by ERS. 7. Injunctive Relief. Because Independent Contractor consents and acknowledges that breach of the Agreement may cause ERS irreparable harm for which money is inadequate compensation, Independent Contractor agrees that ERS will be entitled to injunctive relief to enforce this Agreement, in addition to damages and other available remedies, and Independent Contractor consents to such injunctive relief. 8. Attorneys Fees. If any action is necessary to enforce this Agreement, the prevailing party shall be entitled to recover its attorneys fees. ERS NationwideInc. - Commercial Finance Advisor Confidentiality, Trade Secrets and Non-Solicitation Agreement Page 2 of 3

11 9. Entire Agreement. This Agreement expresses the entire understanding of the parties about the described subject matter. This Agreement may not be amended except by an instrument in writing signed by both parties. This Agreement shall be binding on the heirs, executors, administrators, and other legal representatives and assigns of Independent Contractor, and is for the benefit of ERS and its successors and assigns. 10. Governing Law. The laws of the State of California shall govern this Agreement. ERS NATIONWIDE INC. COMMERCIAL FINANCE ADVISOR Robert T. Do, President/Broker Signature ERS Nationwide Inc Elsie Avenue Sacramento, CA Printed Name Date Date Address Phone ERS NationwideInc. - Commercial Finance Advisor Confidentiality, Trade Secrets and Non-Solicitation Agreement Page 3 of 3

12 COMMERCIAL FINANCE ADVISOR INFORMATION FORM Last Name: MI: First Name: Home Address: City: State: Zip Code: Address: Alternate Website Address: Office Location: Home Phone: Cell Phone: Fax Number: Other Number: Emergency Contact: Phone #: Social Security Number: - - DOB: / / / Real Estate Agent Loan Officer Insurance Full Part time R.E. License # Issue Date: / / / Exp Date: / / / NMLS # Issue Date: / / / BRE DBO Insurance License # Issue Date: / / / Driver s License #: State: Issue Date: / / / Exp Date: / / Languages Spoken (Other than English) HIRE DATE: / / RECRUITED BY: ORGANIZATION: PHONE: 7412 Elsie Avenue Sacramento, CA / fax rev

13 Form W-9 (Rev. August 2013) Department of the Treasury Internal Revenue Service Name (as shown on your income tax return) Request for Taxpayer Identification Number and Certification Give Form to the requester. Do not send to the IRS. Print or type See Specific Instructions on page 2. Business name/disregarded entity name, if different from above Check appropriate box for federal tax classification: Individual/sole proprietor C Corporation S Corporation Partnership Trust/estate Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=partnership) Other (see instructions) Address (number, street, and apt. or suite no.) City, state, and ZIP code Exemptions (see instructions): Exempt payee code (if any) Exemption from FATCA reporting code (if any) Requester s name and address (optional) List account number(s) here (optional) Part I Taxpayer Identification Number (TIN) Enter your TIN in the appropriate box. The TIN provided must match the name given on the Name line to avoid backup withholding. For individuals, this is your social security number (SSN). However, for a resident alien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. For other entities, it is your employer identification number (EIN). If you do not have a number, see How to get a TIN on page 3. Note. If the account is in more than one name, see the chart on page 4 for guidelines on whose number to enter. Social security number Employer identification number Part II Certification Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and 3. I am a U.S. citizen or other U.S. person (defined below), and 4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the instructions on page 3. Sign Here Signature of U.S. person General Instructions Section references are to the Internal Revenue Code unless otherwise noted. Future developments. The IRS has created a page on IRS.gov for information about Form W-9, at Information about any future developments affecting Form W-9 (such as legislation enacted after we release it) will be posted on that page. Purpose of Form A person who is required to file an information return with the IRS must obtain your correct taxpayer identification number (TIN) to report, for example, income paid to you, payments made to you in settlement of payment card and third party network transactions, real estate transactions, mortgage interest you paid, acquisition or abandonment of secured property, cancellation of debt, or contributions you made to an IRA. Use Form W-9 only if you are a U.S. person (including a resident alien), to provide your correct TIN to the person requesting it (the requester) and, when applicable, to: 1. Certify that the TIN you are giving is correct (or you are waiting for a number to be issued), 2. Certify that you are not subject to backup withholding, or 3. Claim exemption from backup withholding if you are a U.S. exempt payee. If applicable, you are also certifying that as a U.S. person, your allocable share of any partnership income from a U.S. trade or business is not subject to the Date withholding tax on foreign partners share of effectively connected income, and 4. Certify that FATCA code(s) entered on this form (if any) indicating that you are exempt from the FATCA reporting, is correct. Note. If you are a U.S. person and a requester gives you a form other than Form W-9 to request your TIN, you must use the requester s form if it is substantially similar to this Form W-9. Definition of a U.S. person. For federal tax purposes, you are considered a U.S. person if you are: An individual who is a U.S. citizen or U.S. resident alien, A partnership, corporation, company, or association created or organized in the United States or under the laws of the United States, An estate (other than a foreign estate), or A domestic trust (as defined in Regulations section ). Special rules for partnerships. Partnerships that conduct a trade or business in the United States are generally required to pay a withholding tax under section 1446 on any foreign partners share of effectively connected taxable income from such business. Further, in certain cases where a Form W-9 has not been received, the rules under section 1446 require a partnership to presume that a partner is a foreign person, and pay the section 1446 withholding tax. Therefore, if you are a U.S. person that is a partner in a partnership conducting a trade or business in the United States, provide Form W-9 to the partnership to establish your U.S. status and avoid section 1446 withholding on your share of partnership income. Cat. No X Form W-9 (Rev )

14 Form W-9 (Rev ) Page 2 In the cases below, the following person must give Form W-9 to the partnership for purposes of establishing its U.S. status and avoiding withholding on its allocable share of net income from the partnership conducting a trade or business in the United States: In the case of a disregarded entity with a U.S. owner, the U.S. owner of the disregarded entity and not the entity, In the case of a grantor trust with a U.S. grantor or other U.S. owner, generally, the U.S. grantor or other U.S. owner of the grantor trust and not the trust, and In the case of a U.S. trust (other than a grantor trust), the U.S. trust (other than a grantor trust) and not the beneficiaries of the trust. Foreign person. If you are a foreign person or the U.S. branch of a foreign bank that has elected to be treated as a U.S. person, do not use Form W-9. Instead, use the appropriate Form W-8 or Form 8233 (see Publication 515, Withholding of Tax on Nonresident Aliens and Foreign Entities). Nonresident alien who becomes a resident alien. Generally, only a nonresident alien individual may use the terms of a tax treaty to reduce or eliminate U.S. tax on certain types of income. However, most tax treaties contain a provision known as a saving clause. Exceptions specified in the saving clause may permit an exemption from tax to continue for certain types of income even after the payee has otherwise become a U.S. resident alien for tax purposes. If you are a U.S. resident alien who is relying on an exception contained in the saving clause of a tax treaty to claim an exemption from U.S. tax on certain types of income, you must attach a statement to Form W-9 that specifies the following five items: 1. The treaty country. Generally, this must be the same treaty under which you claimed exemption from tax as a nonresident alien. 2. The treaty article addressing the income. 3. The article number (or location) in the tax treaty that contains the saving clause and its exceptions. 4. The type and amount of income that qualifies for the exemption from tax. 5. Sufficient facts to justify the exemption from tax under the terms of the treaty article. Example. Article 20 of the U.S.-China income tax treaty allows an exemption from tax for scholarship income received by a Chinese student temporarily present in the United States. Under U.S. law, this student will become a resident alien for tax purposes if his or her stay in the United States exceeds 5 calendar years. However, paragraph 2 of the first Protocol to the U.S.-China treaty (dated April 30, 1984) allows the provisions of Article 20 to continue to apply even after the Chinese student becomes a resident alien of the United States. A Chinese student who qualifies for this exception (under paragraph 2 of the first protocol) and is relying on this exception to claim an exemption from tax on his or her scholarship or fellowship income would attach to Form W-9 a statement that includes the information described above to support that exemption. If you are a nonresident alien or a foreign entity, give the requester the appropriate completed Form W-8 or Form What is backup withholding? Persons making certain payments to you must under certain conditions withhold and pay to the IRS a percentage of such payments. This is called backup withholding. Payments that may be subject to backup withholding include interest, tax-exempt interest, dividends, broker and barter exchange transactions, rents, royalties, nonemployee pay, payments made in settlement of payment card and third party network transactions, and certain payments from fishing boat operators. Real estate transactions are not subject to backup withholding. You will not be subject to backup withholding on payments you receive if you give the requester your correct TIN, make the proper certifications, and report all your taxable interest and dividends on your tax return. Payments you receive will be subject to backup withholding if: 1. You do not furnish your TIN to the requester, 2. You do not certify your TIN when required (see the Part II instructions on page 3 for details), 3. The IRS tells the requester that you furnished an incorrect TIN, 4. The IRS tells you that you are subject to backup withholding because you did not report all your interest and dividends on your tax return (for reportable interest and dividends only), or 5. You do not certify to the requester that you are not subject to backup withholding under 4 above (for reportable interest and dividend accounts opened after 1983 only). Certain payees and payments are exempt from backup withholding. See Exempt payee code on page 3 and the separate Instructions for the Requester of Form W-9 for more information. Also see Special rules for partnerships on page 1. What is FATCA reporting? The Foreign Account Tax Compliance Act (FATCA) requires a participating foreign financial institution to report all United States account holders that are specified United States persons. Certain payees are exempt from FATCA reporting. See Exemption from FATCA reporting code on page 3 and the Instructions for the Requester of Form W-9 for more information. Updating Your Information You must provide updated information to any person to whom you claimed to be an exempt payee if you are no longer an exempt payee and anticipate receiving reportable payments in the future from this person. For example, you may need to provide updated information if you are a C corporation that elects to be an S corporation, or if you no longer are tax exempt. In addition, you must furnish a new Form W-9 if the name or TIN changes for the account, for example, if the grantor of a grantor trust dies. Penalties Failure to furnish TIN. If you fail to furnish your correct TIN to a requester, you are subject to a penalty of $50 for each such failure unless your failure is due to reasonable cause and not to willful neglect. Civil penalty for false information with respect to withholding. If you make a false statement with no reasonable basis that results in no backup withholding, you are subject to a $500 penalty. Criminal penalty for falsifying information. Willfully falsifying certifications or affirmations may subject you to criminal penalties including fines and/or imprisonment. Misuse of TINs. If the requester discloses or uses TINs in violation of federal law, the requester may be subject to civil and criminal penalties. Specific Instructions Name If you are an individual, you must generally enter the name shown on your income tax return. However, if you have changed your last name, for instance, due to marriage without informing the Social Security Administration of the name change, enter your first name, the last name shown on your social security card, and your new last name. If the account is in joint names, list first, and then circle, the name of the person or entity whose number you entered in Part I of the form. Sole proprietor. Enter your individual name as shown on your income tax return on the Name line. You may enter your business, trade, or doing business as (DBA) name on the Business name/disregarded entity name line. Partnership, C Corporation, or S Corporation. Enter the entity's name on the Name line and any business, trade, or doing business as (DBA) name on the Business name/disregarded entity name line. Disregarded entity. For U.S. federal tax purposes, an entity that is disregarded as an entity separate from its owner is treated as a disregarded entity. See Regulation section (c)(2)(iii). Enter the owner's name on the Name line. The name of the entity entered on the Name line should never be a disregarded entity. The name on the Name line must be the name shown on the income tax return on which the income should be reported. For example, if a foreign LLC that is treated as a disregarded entity for U.S. federal tax purposes has a single owner that is a U.S. person, the U.S. owner's name is required to be provided on the Name line. If the direct owner of the entity is also a disregarded entity, enter the first owner that is not disregarded for federal tax purposes. Enter the disregarded entity's name on the Business name/disregarded entity name line. If the owner of the disregarded entity is a foreign person, the owner must complete an appropriate Form W-8 instead of a Form W-9. This is the case even if the foreign person has a U.S. TIN. Note. Check the appropriate box for the U.S. federal tax classification of the person whose name is entered on the Name line (Individual/sole proprietor, Partnership, C Corporation, S Corporation, Trust/estate). Limited Liability Company (LLC). If the person identified on the Name line is an LLC, check the Limited liability company box only and enter the appropriate code for the U.S. federal tax classification in the space provided. If you are an LLC that is treated as a partnership for U.S. federal tax purposes, enter P for partnership. If you are an LLC that has filed a Form 8832 or a Form 2553 to be taxed as a corporation, enter C for C corporation or S for S corporation, as appropriate. If you are an LLC that is disregarded as an entity separate from its owner under Regulation section (except for employment and excise tax), do not check the LLC box unless the owner of the LLC (required to be identified on the Name line) is another LLC that is not disregarded for U.S. federal tax purposes. If the LLC is disregarded as an entity separate from its owner, enter the appropriate tax classification of the owner identified on the Name line. Other entities. Enter your business name as shown on required U.S. federal tax documents on the Name line. This name should match the name shown on the charter or other legal document creating the entity. You may enter any business, trade, or DBA name on the Business name/disregarded entity name line. Exemptions If you are exempt from backup withholding and/or FATCA reporting, enter in the Exemptions box, any code(s) that may apply to you. See Exempt payee code and Exemption from FATCA reporting code on page 3.

15 Form W-9 (Rev ) Page 3 Exempt payee code. Generally, individuals (including sole proprietors) are not exempt from backup withholding. Corporations are exempt from backup withholding for certain payments, such as interest and dividends. Corporations are not exempt from backup withholding for payments made in settlement of payment card or third party network transactions. Note. If you are exempt from backup withholding, you should still complete this form to avoid possible erroneous backup withholding. The following codes identify payees that are exempt from backup withholding: 1 An organization exempt from tax under section 501(a), any IRA, or a custodial account under section 403(b)(7) if the account satisfies the requirements of section 401(f)(2) 2 The United States or any of its agencies or instrumentalities 3 A state, the District of Columbia, a possession of the United States, or any of their political subdivisions or instrumentalities 4 A foreign government or any of its political subdivisions, agencies, or instrumentalities 5 A corporation 6 A dealer in securities or commodities required to register in the United States, the District of Columbia, or a possession of the United States 7 A futures commission merchant registered with the Commodity Futures Trading Commission 8 A real estate investment trust 9 An entity registered at all times during the tax year under the Investment Company Act of A common trust fund operated by a bank under section 584(a) 11 A financial institution 12 A middleman known in the investment community as a nominee or custodian 13 A trust exempt from tax under section 664 or described in section 4947 The following chart shows types of payments that may be exempt from backup withholding. The chart applies to the exempt payees listed above, 1 through 13. IF the payment is for... THEN the payment is exempt for... Interest and dividend payments All exempt payees except for 7 Broker transactions Exempt payees 1 through 4 and 6 through 11 and all C corporations. S corporations must not enter an exempt payee code because they are exempt only for sales of noncovered securities acquired prior to Barter exchange transactions and patronage dividends Payments over $600 required to be reported and direct sales over $5,000 1 Payments made in settlement of payment card or third party network transactions Exempt payees 1 through 4 Generally, exempt payees 1 through 5 2 Exempt payees 1 through 4 1 See Form 1099-MISC, Miscellaneous Income, and its instructions. 2 However, the following payments made to a corporation and reportable on Form 1099-MISC are not exempt from backup withholding: medical and health care payments, attorneys' fees, gross proceeds paid to an attorney, and payments for services paid by a federal executive agency. Exemption from FATCA reporting code. The following codes identify payees that are exempt from reporting under FATCA. These codes apply to persons submitting this form for accounts maintained outside of the United States by certain foreign financial institutions. Therefore, if you are only submitting this form for an account you hold in the United States, you may leave this field blank. Consult with the person requesting this form if you are uncertain if the financial institution is subject to these requirements. A An organization exempt from tax under section 501(a) or any individual retirement plan as defined in section 7701(a)(37) B The United States or any of its agencies or instrumentalities C A state, the District of Columbia, a possession of the United States, or any of their political subdivisions or instrumentalities D A corporation the stock of which is regularly traded on one or more established securities markets, as described in Reg. section (c)(1)(i) E A corporation that is a member of the same expanded affiliated group as a corporation described in Reg. section (c)(1)(i) F A dealer in securities, commodities, or derivative financial instruments (including notional principal contracts, futures, forwards, and options) that is registered as such under the laws of the United States or any state G A real estate investment trust H A regulated investment company as defined in section 851 or an entity registered at all times during the tax year under the Investment Company Act of 1940 I A common trust fund as defined in section 584(a) J A bank as defined in section 581 K A broker L A trust exempt from tax under section 664 or described in section 4947(a)(1) M A tax exempt trust under a section 403(b) plan or section 457(g) plan Part I. Taxpayer Identification Number (TIN) Enter your TIN in the appropriate box. If you are a resident alien and you do not have and are not eligible to get an SSN, your TIN is your IRS individual taxpayer identification number (ITIN). Enter it in the social security number box. If you do not have an ITIN, see How to get a TIN below. If you are a sole proprietor and you have an EIN, you may enter either your SSN or EIN. However, the IRS prefers that you use your SSN. If you are a single-member LLC that is disregarded as an entity separate from its owner (see Limited Liability Company (LLC) on page 2), enter the owner s SSN (or EIN, if the owner has one). Do not enter the disregarded entity s EIN. If the LLC is classified as a corporation or partnership, enter the entity s EIN. Note. See the chart on page 4 for further clarification of name and TIN combinations. How to get a TIN. If you do not have a TIN, apply for one immediately. To apply for an SSN, get Form SS-5, Application for a Social Security Card, from your local Social Security Administration office or get this form online at You may also get this form by calling Use Form W-7, Application for IRS Individual Taxpayer Identification Number, to apply for an ITIN, or Form SS-4, Application for Employer Identification Number, to apply for an EIN. You can apply for an EIN online by accessing the IRS website at and clicking on Employer Identification Number (EIN) under Starting a Business. You can get Forms W-7 and SS-4 from the IRS by visiting IRS.gov or by calling TAX-FORM ( ). If you are asked to complete Form W-9 but do not have a TIN, apply for a TIN and write Applied For in the space for the TIN, sign and date the form, and give it to the requester. For interest and dividend payments, and certain payments made with respect to readily tradable instruments, generally you will have 60 days to get a TIN and give it to the requester before you are subject to backup withholding on payments. The 60-day rule does not apply to other types of payments. You will be subject to backup withholding on all such payments until you provide your TIN to the requester. Note. Entering Applied For means that you have already applied for a TIN or that you intend to apply for one soon. Caution: A disregarded U.S. entity that has a foreign owner must use the appropriate Form W-8. Part II. Certification To establish to the withholding agent that you are a U.S. person, or resident alien, sign Form W-9. You may be requested to sign by the withholding agent even if items 1, 4, or 5 below indicate otherwise. For a joint account, only the person whose TIN is shown in Part I should sign (when required). In the case of a disregarded entity, the person identified on the Name line must sign. Exempt payees, see Exempt payee code earlier. Signature requirements. Complete the certification as indicated in items 1 through 5 below. 1. Interest, dividend, and barter exchange accounts opened before 1984 and broker accounts considered active during You must give your correct TIN, but you do not have to sign the certification. 2. Interest, dividend, broker, and barter exchange accounts opened after 1983 and broker accounts considered inactive during You must sign the certification or backup withholding will apply. If you are subject to backup withholding and you are merely providing your correct TIN to the requester, you must cross out item 2 in the certification before signing the form. 3. Real estate transactions. You must sign the certification. You may cross out item 2 of the certification. 4. Other payments. You must give your correct TIN, but you do not have to sign the certification unless you have been notified that you have previously given an incorrect TIN. Other payments include payments made in the course of the requester s trade or business for rents, royalties, goods (other than bills for merchandise), medical and health care services (including payments to corporations), payments to a nonemployee for services, payments made in settlement of payment card and third party network transactions, payments to certain fishing boat crew members and fishermen, and gross proceeds paid to attorneys (including payments to corporations). 5. Mortgage interest paid by you, acquisition or abandonment of secured property, cancellation of debt, qualified tuition program payments (under section 529), IRA, Coverdell ESA, Archer MSA or HSA contributions or distributions, and pension distributions. You must give your correct TIN, but you do not have to sign the certification.

16 Form W-9 (Rev ) Page 4 What Name and Number To Give the Requester For this type of account: Give name and SSN of: 1. Individual The individual 2. Two or more individuals (joint The actual owner of the account or, account) if combined funds, the first individual on the account 1 3. Custodian account of a minor The minor 2 (Uniform Gift to Minors Act) 4. a. The usual revocable savings The grantor-trustee 1 trust (grantor is also trustee) b. So-called trust account that is The actual owner 1 not a legal or valid trust under state law 5. Sole proprietorship or disregarded The owner 3 entity owned by an individual 6. Grantor trust filing under Optional The grantor* Form 1099 Filing Method 1 (see Regulation section (b)(2)(i)(A)) For this type of account: Give name and EIN of: 7. Disregarded entity not owned by an The owner individual 8. A valid trust, estate, or pension trust Legal entity 4 9. Corporation or LLC electing The corporation corporate status on Form 8832 or Form Association, club, religious, charitable, educational, or other tax-exempt organization The organization 11. Partnership or multi-member LLC The partnership 12. A broker or registered nominee The broker or nominee 13. Account with the Department of The public entity Agriculture in the name of a public entity (such as a state or local government, school district, or prison) that receives agricultural program payments 14. Grantor trust filing under the Form The trust 1041 Filing Method or the Optional Form 1099 Filing Method 2 (see Regulation section (b)(2)(i)(B)) Note. If no name is circled when more than one name is listed, the number will be considered to be that of the first name listed. Secure Your Tax Records from Identity Theft Identity theft occurs when someone uses your personal information such as your name, social security number (SSN), or other identifying information, without your permission, to commit fraud or other crimes. An identity thief may use your SSN to get a job or may file a tax return using your SSN to receive a refund. To reduce your risk: Protect your SSN, Ensure your employer is protecting your SSN, and Be careful when choosing a tax preparer. If your tax records are affected by identity theft and you receive a notice from the IRS, respond right away to the name and phone number printed on the IRS notice or letter. If your tax records are not currently affected by identity theft but you think you are at risk due to a lost or stolen purse or wallet, questionable credit card activity or credit report, contact the IRS Identity Theft Hotline at or submit Form For more information, see Publication 4535, Identity Theft Prevention and Victim Assistance. Victims of identity theft who are experiencing economic harm or a system problem, or are seeking help in resolving tax problems that have not been resolved through normal channels, may be eligible for Taxpayer Advocate Service (TAS) assistance. You can reach TAS by calling the TAS toll-free case intake line at or TTY/TDD Protect yourself from suspicious s or phishing schemes. Phishing is the creation and use of and websites designed to mimic legitimate business s and websites. The most common act is sending an to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The IRS does not initiate contacts with taxpayers via s. Also, the IRS does not request personal detailed information through or ask taxpayers for the PIN numbers, passwords, or similar secret access information for their credit card, bank, or other financial accounts. If you receive an unsolicited claiming to be from the IRS, forward this message to You may also report misuse of the IRS name, logo, or other IRS property to the Treasury Inspector General for Tax Administration at You can forward suspicious s to the Federal Trade Commission at: or contact them at or IDTHEFT ( ). Visit IRS.gov to learn more about identity theft and how to reduce your risk. 1 List first and circle the name of the person whose number you furnish. If only one person on a joint account has an SSN, that person s number must be furnished. 2 Circle the minor s name and furnish the minor s SSN. 3 You must show your individual name and you may also enter your business or DBA name on the Business name/disregarded entity name line. You may use either your SSN or EIN (if you have one), but the IRS encourages you to use your SSN. 4 List first and circle the name of the trust, estate, or pension trust. (Do not furnish the TIN of the personal representative or trustee unless the legal entity itself is not designated in the account title.) Also see Special rules for partnerships on page 1. *Note. Grantor also must provide a Form W-9 to trustee of trust. Privacy Act Notice Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons (including federal agencies) who are required to file information returns with the IRS to report interest, dividends, or certain other income paid to you; mortgage interest you paid; the acquisition or abandonment of secured property; the cancellation of debt; or contributions you made to an IRA, Archer MSA, or HSA. The person collecting this form uses the information on the form to file information returns with the IRS, reporting the above information. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation and to cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering their laws. The information also may be disclosed to other countries under a treaty, to federal and state agencies to enforce civil and criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You must provide your TIN whether or not you are required to file a tax return. Under section 3406, payers must generally withhold a percentage of taxable interest, dividend, and certain other payments to a payee who does not give a TIN to the payer. Certain penalties may also apply for providing false or fraudulent information.

17 Lending Documents

18 LOAN COMMITMENT AUTHORIZATION In consideration of the services to be performed by ERS Nationwide Inc. hereinafter referred to as "ERS," and, hereinafter referred to as "Applicant" without regard to number or gender, hereby employs ERS for the period of days commencing, 20, to produce a lender, ready, willing and able to extend Applicant a loan on the following terms and conditions: Amount Term: Rate: Borrowers: Prepayment Penalty Property: Other: Applicant agrees to pay ERS a total fee of $ for obtaining a loan commitment on the above terms or other terms Applicant may accept. Applicant will pay the above fees to ERS if a loan commitment is obtained from a lender whom ERS has contacted pursuant to the Property described herein for a period of one year from date of this Agreement. Applicant hereby authorizes ERS to act as its agent to do all things and execute all documents on behalf of the Applicant incidental to or reasonably necessary to the consummation of said loan. Applicant agrees to cooperate with ERS and with any lender or prospective lender and agrees to do all things and execute any and all documents incidental to or reasonably necessary to the consummation of said loan. Applicant agrees to abide by the standard terms and conditions prescribed by the lender ready, willing and able to grant said loan. Applicant agrees to pay all costs incidental to said loan, including but not limited to lender's fees, escrow and title costs, appraiser, architects, surveyors, and attorneys fees, etc. Applicant represents and warrants that all statements submitted by him/her to ERS are true and correct and represents that ERS may act in reliance thereon. There will be no charge by ERS to Applicant in the event a loan commitment as outlined above is not obtained. Applicant hereby directs lender to dispose, through escrow, ERS's fee at close of escrow, unless this arrangement is not acceptable with lender; then Applicant will pay ERS said fee outside of and upon close of escrow. Notwithstanding the foregoing, Applicant agrees to pay ERS said fee within 30 days of obtainment of loan commitment as outlined above. The parties hereto acknowledge that this Agreement contains the entire understanding of the parties and there are no representations, warranties, covenants or understandings other than those expressly set forth herein. APPLICANT HEREBY ACKNOWLEDGES THE RECEIPT OF A COPY OF THIS AGREEMENT. Signature Printed Name Date Signature Printed Name Date THE ABOVE AUTHORIZATION IS HEREBY ACCEPTED AND ERS AGREES TO USE DUE DILIGENCE IN ATTEMPTING TO OBTAIN THE LOAN COMMITMENT DESCRIBED HEREIN. Robert T. Do., President ERS Nationwide Inc. Date

19 COMMERCIAL LOAN APPLICATION CREDIT REQUESTED Amount Requested Term of Credit Requested Loan Type: Line of Credit Specify all intended uses of loan proceeds (if more than one): Does borrower(s) have any unpaid taxes or judgments? Yes No If yes, please explain: Equipment purchase Refinance (please specify) Other (please specify): Business expansion Furniture or Fixtures SBA Ownership Percentage Purpose of Credit Requested Credit Request Applicant Only Joint with Co-Applicant(s) App. # It is our intent to apply for joint credit initials initials COMPLETION INSTRUCTIONS FOR APPLICANT Complete the Applicant information for the first Applicant. Mark the appropriate box to indicate whether the Applicant is applying as a Borrower, Guarantor, Cosigner, Grantor (of collateral), or Other for a different capacity. If the Applicant is a married individual, he or she may apply for individual credit. (Do Not complete Marital Status question below if application is for individual unsecured credit) APPLICANT INFORMATION: Applicant is a: Borrower Guarantor Cosigner Grantor Other Name of Applicant (Business Name or Last Name if Individual Applicant First Name (If Individual) SSN/TIN# Main Contact Phone Number Filing Dates Filing Locations DBA Name Please describe the nature of the business in which the borrower is engaged: Check Appropriate Box If you are applying for individual credit and are relying on your own income or assets and not the income or assets of another person as the basis for repayment of the credit requested, do not complete the section for marital status. If you are applying for individual credit, but are relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for repayment of the credit requested, complete all sections to the extent possible, providing information about the person whose alimony, support maintenance payments or income or assets you are relying. If you are applying for joint credit with another applicant, complete all sections and attach joint application. Marital Status (If Individual Borrower) Married Unmarried Separated Street Address City State Zip Code Mailing Address City State Zip Code Principal Office Address (if not listed above) City State Zip Code State of Organization Applicant: Individual Proprietorship Partnership Corporation Non-Profit Association Trust Govt. Entity LLC SCHEDULE OF COLLATERAL OFFERED BY THIS APPLICANT Description Value Total Liens Ownership Status of This Applicant Creditor Name (if any) $ Purchase Money Presently Owned $ Purchase Money Presently Owned $ Purchase Money Presently Owned Use Additional Sheet if Necessary 1

20 RELATIONSHIP INFORMATION - APPLICANT'S HISTORY WITH LENDER New Customer Customer Since (MM-YYYY): Last Financial Statement Date (MM-DD-YYYY): Existing Customer Last Tax Return Date on File (YYYY): Last Credit Report Date (MM-DD-YYYY): Last Credit Bureau: How Many Years in Business Any bankruptcies in last 10 years? Any current or pending law suits or judgments? Yes No Yes No (If yes, please explaing) Liabilities with Lender Deposits with Lender Total Credit With Lender Direct: $ DDA Avg: $ New Credit: $ Contingent: $ Other Avg: $ Proposed Total: $ Total: $ Total Avg: $ LIST ALL GUARANTORS AND/OR AUTHORIZED SIGNERS FOR THIS APPLICANT Name Title Authorized Signer SSN or TIN # Guarantor Street Address City State Zip Code Name Title Authorized Signer SSN or TIN # Guarantor Street Address City State Zip Code Name Title Authorized Signer SSN or TIN# Guarantor Street Address City State Zip Code Name Title Authorized Signer SSN or TIN # Guarantor Street Address City State Zip Code Name Title Authorized Signer SSN or TIN# Guarantor Street Address City State Zip Code Name Title Authorized Signer SSN or TIN # Guarantor Street Address City State Zip Code Use Additional Sheet if Necessary APPLICANT SIGNATURES I/We hereby apply for the loan or credit described in this application on behalf of the applicant business. I/We certify that I/we did not omit any important information. I/We agree that any property securing the loan or credit will not be used for any illegal or restricted purpose. Lender is authorized to verify with other parties and to make any investigation of my/our credit, either directly or through any agency employed by the Lender for that purpose. Lender may disclose to any other interested parties information as to Lenders' experiences or transactions with my/our account. I/We understand that Lender will retain this application and any other credit information Lender receives, even if no loan or credit is granted. These representation and authorizations extend not only to Lender, but also to any insurer of the loan and to any investor to whom Lender may sell all or any part of the loan. I/We further authorize Lender to provide any such insurer or investor any information and documentation they the may request with respect to my/our application, credit or loan. APPLICANT: DATE By: (Seal): By: (Seal): By: (Seal): By: (Seal): By: (Seal): By: (Seal): Use Additional Sheet if Necessary FOR LENDER'S USE ONLY Officer No./Name Approved By Concurrence By (If Needed) Committee Date Decision Date Branch Application Date Application No. Committee No. Loan No. DATE Decision and Comments: Approved Denied Incomplete Counteroffer Conditional Approval Withdrawal Other 2

21 3

22 PERSONAL FINANCIAL STATEMENT As of, Complete this form for: (1) each proprietor, or (2) each limited partner who owns 20% or more interest and each general partner, or (3) each stockholder owning 20% or more of voting stock, or (4) any person or entity providing a guaranty on the loan. Name Business Phone Residence Address Residence Phone City, State, & Zip Code Business Name of Applicant/Borrower ASSETS Cash on hand & in Banks Savings Accounts IRA or Other Retirement Account Accounts & Notes Receivable Life Insurance-Cash Surrender Value Only (Complete Section 8) Stocks and Bonds (Describe in Section 3) Real Estate (Describe in Section 4) Automobile-Present Value Other Personal Property (Describe in Section 5) Other Assets (Describe in Section 5) Section 1. Source of Income Salary Net Investment Income Real Estate Income Other Income (Describe below)* Total (Omit Cents) LIABILITIES (Omit Cents) $ Accounts Payable $ $ Notes Payable to Banks and Others $ $ (Describe in Section 2) $ Installment Account (Auto) $ $ Mo. Payments $ Installment Account (Other) $ $ Mo. Payments $ Loan on Life Insurance $ $ Mortgages on Real Estate $ (Describe in Section 4) $ Unpaid Taxes $ $ (Describe in Section 6) Other Liabilities $ $ (Describe in Section 7) Total Liabilities $ Net Worth $ $ Total $ Contingent Liabilities $ As Endorser or Co-Maker $ $ Legal Claims & Judgments $ $ Provision for Federal Income Tax $ $ Other Special Debt $ Description of Other Income in Section 1. *Alimony or child support payments need not be disclosed in "Other Income" unless it is desired to have such payments counted toward total income. Section 2. Notes Payable to Banks and Others. (Use attachments if necessary. Each attachment must be identified as a part of this statement and signed.) Original Current Payment Frequency How Secured or Endorsed Name and Address of Noteholder(s) Balance Balance Amount (monthly,etc.) Type of Collateral

23 Section 3. Stocks and Bonds. (Use attachments if necessary. Each attachment must be identified as a part of this statement and signed). Number of Shares Name of Securities Cost Market Value Date of Total Value Quotation/Exchange Quotation/Exchange Section 4. Real Estate Owned. Type of Property (List each parcel separately. Use attachment if necessary. Each attachment must be identified as a part of this statement and signed.) Property A Property B Property C Address Date Purchased Original Cost Present Market Value Name & Address of Mortgage Holder Mortgage Account Number Mortgage Balance Amount of Payment per Month/Year Status of Mortgage Section 5. Other Personal Property and Other Assets. (Describe, and if any is pledged as security, state name and address of lien holder, amount of lien, terms of payment and if delinquent, describe delinquency) Section 6. Unpaid Taxes. (Describe in detail, as to type, to whom payable, when due, amount, and to what property, if any, a tax lien attaches.) Section 7. Other Liabilities. (Describe in detail.) Section 8. Life Insurance Held. (Give face amount and cash surrender value of policies - name of insurance company and beneficiaries) I authorize SBA/Lender to make inquiries as necessary to verify the accuracy of the statements made and to determine my creditworthiness. I certify the above and the statements contained in the attachments are true and accurate as of the stated date(s). These statements are made for the purpose of either obtaining a loan or guaranteeing a loan. I understand FALSE statements may result in forfeiture of benefits and possible prosecution by the U.S. Attorney General (Reference 18 U.S.C. 1001). Signature: Date: Social Security Number: Signature: Date: Social Security Number:

24 Form 4506-T (Rev. September 2013) Department of the Treasury Internal Revenue Service Request for Transcript of Tax Return Request may be rejected if the form is incomplete or illegible. OMB No Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on "Order a Return or Account Transcript" or call If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return. 1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number on tax return, individual taxpayer identification number, or employer identification number (see instructions) 2a If a joint return, enter spouse s name shown on tax return. 2b Second social security number or individual taxpayer identification number if joint tax return 3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions) 4 Previous address shown on the last return filed if different from line 3 (see instructions) 5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party s name, address, and telephone number. Caution. If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once you have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your transcript information, you can specify this limitation in your written agreement with the third party. 6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request. a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 10 business days. c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days.. 8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2011, filed in 2012, will likely not be available from the IRS until If you need W-2 information for retirement purposes, you should contact the Social Security Administration at Most requests will be processed within 10 business days. Caution. If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments. 9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately. Check this box if you have notified the IRS or the IRS has notified you that one of the years for which you are requesting a transcript involved identity theft on your federal tax return Caution. Do not sign this form unless all applicable lines have been completed. Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, partner, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note. For transcripts being sent to a third party, this form must be received within 120 days of the signature date. Phone number of taxpayer on line 1a or 2a Sign Here Signature (see instructions) Title (if line 1a above is a corporation, partnership, estate, or trust) Date Spouse s signature For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No N Form 4506-T (Rev ) Date

25 Form 4506-T (Rev ) Page 2 Section references are to the Internal Revenue Code unless otherwise noted. Future Developments For the latest information about Form 4506-T and its instructions, go to Information about any recent developments affecting Form 4506-T (such as legislation enacted after we released it) will be posted on that page. General Instructions CAUTION. Do not sign this form unless all applicable lines have been completed. Purpose of form. Use Form 4506-T to request tax return information. You can also designate (on line 5) a third party to receive the information. Taxpayers using a tax year beginning in one calendar year and ending in the following year (fiscal tax year) must file Form 4506-T to request a return transcript. Note. If you are unsure of which type of transcript you need, request the Record of Account, as it provides the most detailed information. Tip. Use Form 4506, Request for Copy of Tax Return, to request copies of tax returns. Automated transcript request. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on Order a Return or Account Transcript or call Where to file. Mail or fax Form 4506-T to the address below for the state you lived in, or the state your business was in, when that return was filed. There are two address charts: one for individual transcripts (Form 1040 series and Form W-2) and one for all other transcripts. If you are requesting more than one transcript or other product and the chart below shows two different addresses, send your request to the address based on the address of your most recent return. Chart for individual transcripts (Form 1040 series and Form W-2 and Form 1099) If you filed an individual return Mail or fax to: and lived in: Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, American Samoa, Puerto Rico, Guam, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, or A.P.O. or F.P.O. address Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming Connecticut, Delaware, District of Columbia, Florida, Georgia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, West Virginia Internal Revenue Service RAIVS Team Stop 6716 AUSC Austin, TX Internal Revenue Service RAIVS Team Stop Fresno, CA Internal Revenue Service RAIVS Team Stop 6705 P-6 Kansas City, MO Chart for all other transcripts If you lived in or your business Mail or fax to: was in: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Hawaii, Idaho, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wyoming, a foreign country, or A.P.O. or F.P.O. address Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, Wisconsin Internal Revenue Service RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT Internal Revenue Service RAIVS Team P.O. Box Stop 2800 F Cincinnati, OH Line 1b. Enter your employer identification number (EIN) if your request relates to a business return. Otherwise, enter the first social security number (SSN) or your individual taxpayer identification number (ITIN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN. Line 3. Enter your current address. If you use a P. O. box, include it on this line. Line 4. Enter the address shown on the last return filed if different from the address entered on line 3. Note. If the address on lines 3 and 4 are different and you have not changed your address with the IRS, file Form 8822, Change of Address. For a business address, file Form 8822-B, Change of Address or Responsible Party Business. Line 6. Enter only one tax form number per request. Signature and date. Form 4506-T must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506-T within 120 days of the date signed by the taxpayer or it will be rejected. Ensure that all applicable lines are completed before signing. Individuals. Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506-T exactly as your name appeared on the original return. If you changed your name, also sign your current name. Corporations. Generally, Form 4506-T can be signed by: (1) an officer having legal authority to bind the corporation, (2) any person designated by the board of directors or other governing body, or (3) any officer or employee on written request by any principal officer and attested to by the secretary or other officer. Partnerships. Generally, Form 4506-T can be signed by any person who was a member of the partnership during any part of the tax period requested on line 9. All others. See section 6103(e) if the taxpayer has died, is insolvent, is a dissolved corporation, or if a trustee, guardian, executor, receiver, or administrator is acting for the taxpayer. Documentation. For entities other than individuals, you must attach the authorization document. For example, this could be the letter from the principal officer authorizing an employee of the corporation or the letters testamentary authorizing an individual to act for an estate. Signature by a representative. A representative can sign Form 4506-T for a taxpayer only if the taxpayer has specifically delegated this authority to the representative on Form 2848, line 5. The representative must attach Form 2848 showing the delegation to Form 4506-T. Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. You are not required to request any transcript; if you do request a transcript, sections 6103 and 6109 and their regulations require you to provide this information, including your SSN or EIN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section The time needed to complete and file Form 4506-T will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 10 min.; Preparing the form, 12 min.; and Copying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506-T simpler, we would be happy to hear from you. You can write to: Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC Do not send the form to this address. Instead, see Where to file on this page.

26 CREDIT REPORT AUTHORIZATION & RELEASE Authorization is hereby granted to ERS Nationwide Inc./Elite Mortgage ( Elite ) to obtain a standard factual data or tri-merge credit report through a credit reporting agency chosen by Elite. My signature below authorizes the release to the credit reporting agency a copy of my credit application, and auth9rizes the credit reporting agency to obtain information regarding my employment, savings accounts, and outstanding credit accounts, mortgages, auto loans, personal loans, charge cards, credit union, etc. Authorization is further granted to the reporting agency to use a photo static reproduction of this authorization if necessary to obtain any information regarding the above-mentioned. Applicant(s) hereby request a copy of the credit report obtained with any possible derogatory information be sent to the address of the present residence and holds Elite and any credit reporting organization harmless in so mailing the copy requested. Any reproduction of this credit report authorization and release made by reliable means (for example, a photocopy of facsimile) is considered an original. Applicant hereby authorizes Elite to charge the following credit card in connection with obtain abovereferenced credit report. CREDIT CARD INFORMATION Card Type: Visa MasterCard American Express Discover Name on Card: Billing Address: Billing City, State and Zip: Card No. Exp. Date: Security Code/Verification No. Phone: Cardholder Signature: Date: Borrower Signature Borrower Printed Name Date Borrower Signature Borrower Printed Name Date

27 APPRAISAL ORDER CREDIT CARD AUTHORIZATION Authorization is hereby granted to Elite Commercial & Development/Elite Mortgage ( Elite ) to use this Credit Card Authorization form to charge the listed credit card for costs of the appraisal for the property listed below. My signature on this form will serve as my authorized signature, and will remain in effect for six months from date of signature. I agree to pay the appraisal cost(s) as invoiced by the appraisal company. Elite shall confirm the actual cost(s) after the order is placed. If for any reason Elite is unable to charge my credit cards as authorized by this form, I understand that my obligation to pay for the Appraisal Report and appraisal cost(s) will be my sole responsibility and will not be excused or waived in any way. CREDIT CARD INFORMATION Card Type: Visa MasterCard American Express Discover Name on Card: Billing Address: Billing City, State and Zip: Card No. Exp. Date: Security Code/Verification No. Phone: Cardholder Signature: Date: Property Address:

28 Other Documents

29 EAST WEST BANK Commercial Real Estate Loan Application LOAN APPLIED FOR LOAN AMOUNT INTEREST RATE TERM LOAN TYPE OWNERSHIP TYPE $ % (MOS) [ ] FIXED [ ] ARM [ ] INVESTMENT [ ] OWNER/USER BORROWER INFORMATION BORROWER TIN or SOCIAL SECURITY #: BORROWER'S MAILING ADDRESS: BORROWER(S) WILL BE: [ ] INDIVIDUAL(S) [ ] CORPORATION [ ] FAM. TRUST [ ] LLC [ ] PARTNERSHIP [ ] IRREV. TRUST [ ] OTHER MAIN CONTACT: PH #. FAX #: SUBJECT PROPERTY INFORMATION STREET ADDRESS CITY COUNTY STATE ZIP CODE ZONING: [ ] LEGAL/CONFORMING [ ] LEGAL/NONCONFORMING [ ] NONCONFORMING [ ] OTHER: PROPERTY TYPE: [ ] MFR [ ] RETAIL [ ] OFFICE [ ] LIGHT INDUSTRIAL [ ] OTHER: CONSTRUCTED: [ ] WOOD FRAME/STUCCO [ ] REINFORCED BRICK [ ] CONCRETE BLOCK [ ] CONCRETE TILT-UP [ ] METAL [ ] PURCHASE OF SUBJECT PROPERTY SALES PRICE CASH DOWN PAYMENT SOURCE OF DOWN PAYMENT (CASH DOWN AND/OR OTHER - EXPLAIN); $ $ SUBORDINATE LENDER/CONTACT NAME: TERM (MOS) INT RATE SUBORDINATE FINANCING AMOUNT: PH#: % [ ] REFINANCE OF SUBJECT PROPERTY DATE ACQUIRED PURCHASE PRICE CURRENT VALUE DESCRIBE SIGNIFICANT REPAIRS AND/OR IMPROVEMENTS MADE AND/OR TO BE MADE (ON CONSTRUCTION TAKE-OUT, ATTACH A COMPLETE COST BREAKDOWN); $ $ FUNDS TO BE USED TO PAY: LIEN BALANCE MONTHLY PAYMENT ORIGINATION DATE INTEREST RATE MATURITY DATE LIEN POSITION LENDER NAME $ $ REMAINING FUNDS TO BE USED FOR: PROPERTY INCOME APARTMENT UNIT MIX PROFORMA UNITS BEDROOMS BATH AVG. SQ. FT. Mo. RENT Units Vacant Rent Control GROSS RENTAL INCOME $ OTHER INCOME: ( ) $ LESS VACANCY ( %) $ EFFECTIVE GROSS INCOME $ OPERATING EXPENSES: $ CAPITAL EXPENDITURES: $ NET OPERATING INCOME: $ PROPERTY DESCRIPTION COMMERCIAL UNIT MIX # of Total Units: Tenant Net Rentable Area Lease Exp. Rent/Mos. Tenant Pays NNN Tenant Pays CAM # of Parking Spaces: # of Stories: Lot Size (SF) Bulding Size (SF) Year Built:

30 EAST WEST BANK Commercial Real Estate Loan Application (Page 2) THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of: 1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or, 2. Race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographical area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to-four residences occupied by the owner and for the purpose of the home improvement of any one to four unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or: DEPARTMENT OF FINANCIAL INSTITUTION 300 South Spring Street, Suite 15513, Los Angeles, CA or 111 Pine Street, Suite 1100, San Francisco, California, CA BORROWER (S) SIGNATURE BY SIGNING BELOW, I ACKNOWLEDGE THAT I HAVE READ, RECEIVED AND UNDERSTOOD THIS DISCLOSURE Borrower Date Co-Borrower Date

31 EAST WEST BANK Commercial Real Estate Loan Application (Page 3) BORROWER QUESTIONNAIRE *YES NO 1. Are there any issues listed, pending against the business or any of its affiliates or principal owners? a. Lawsuits b. Judgments c. Liens d. Foreclosure/foreclosure proceedings Have there ever been any liens or stop notices filed on any construction job(s)? Has the business or any of its affiliates or principal owners ever filed bankruptcy, including Chapter 11? Has the business or any of its affiliates or principal owners ever lost any real estate through a foreclosure proceeding or deeded a property to a lender in lieu of foreclosure? Are any of the subject property's real estate taxes, bonds and/or assessments not paid current? Are there any easements or encroachments affecting the subject property that could negatively impact value? Are there any environmental matters affecting the subject property or any adjacent properties? Is the subject property in violation of any current City, County and State building ordinances, requirements for zoning, fire and earthquake? Are any of the leases not currently in full force and effecting the subject property? Does any breach exist on the part of lesser or lessee under the leases and/or does any lessee have any offset, credit or claim against lessor? Are there any lease provisions, options, rights, or contracts existing with respect to the subject property other than disclosed on the lease summary, including sub-leases? Does the fixed monthly rent reflected on the lease summary include any operating expense reimbursement or reimbursements for tenant improvements? *If any of the above questions are answered "yes", attach separate explanation. BORROWER (S) SIGNATURE The undersigned applies for the loan indicated in this application to be secured by a first mortgage or deed of trust on the property described herein, and represents that the property will not be used for any illegal or restricted purpose, and that all statements made in this application and the attachments, are true and complete and are made for the purpose of obtaining the loan. Verification may be obtained from any source named in this application and/or in attachments. I/We fully understand that it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section Signature and Title Date Signature and Title Date DOCUMENTATION REQUEST This is not a complete Loan Application. A complete Loan Application includes but is not limited to, a check for Application Fee, and Business Income Statements for Owner Occupied Propertiesl. Subsequently, please provide the items listed below as specified by Borrower Type. ALL BORROWER TYPES Personal Financial Statement YTD Operating History (P & L) Two full calendar years Operating History Current Rent Roll / Lease Agreements Environmental Questionnaire Environmential Insurance Questionnaire Purchase contract & Escrow Instructions (Purch) Color Photos Borrower's Last two years' Feder Tax Returns, including K-1 Schedules Guarantor's Last two years' Feder Tax Returns, including K-1 Schedules Borrower Type: Limited Liability Company Borrower Type: Partnership Borrower Type: Corporation Operating Agreement Executed Partnership Agreement Articles of Incorporation Articles of Organization (Form LLC-1) Filed LP1 (Cert. Of Limited Partnerships) Bylaws Copy of Statement by Domestic Stock Borrower Type: Individual(s) or Fam.Trust Corporation filed w/ the Secretary of State. Copies of 2 most recent months bank acct statements Trust Agreement (for Fam. Trust only)

32 Borrower s Checklist for Commercial Real Estate Loans 1. Commercial Real Estate Loan Application 2. Reg. B Disclosure 3. Personal Financial Statement 4. Rent Roll 5. Property Operating History 6. Hazard Insurance Authorization and Auto-Pay Authorization 7. Credit Information Release 8. Environmental Insurance Questionnaire 9. EWB Environmental Questionnaire 10. Borrower/Guarantor s formation documents: a. Article of Incorporation/Article of Organization b. By-laws/Operating Agreement c. Tax ID Additional Information Needed from Borrower for Full Doc. Program: 1. Borrower/Guarantor s last 3-year financial statements 2. Borrower/Guarantor s last 3-year tax returns

33 135 N. Los Robles Pasadena, CA Your Right to Request Specific Reasons for Credit Denial East West Bank is committed to providing the highest level of service to all applicants. We firmly hold to the requirements and ideals of fair lending. If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact: Credit Review Manager East West Bank 9300 Flair Drive, 2 nd Floor El Monte, CA (626) Fax (626) You should contact the Credit Review Manager within 60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement. NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Reserve Bank of San Francisco, P.O. Box 7702, San Francisco, California If you have any questions, please do not hesitate to speak to a loan officer or the Credit Review Manager. Again, thank you for your consideration. Application Reg. B Disclosure.doc

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35 PERSONAL FINANCIAL STATEMENT FOR COMMERCIAL LOANS Date: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver s license or other identifying documents. LOAN INFORMATION LOAN AMOUNT INTEREST RATE TERM (MOS) LOAN TYPE OWNERSHIP TYPE $ % [ ] FIXED [ ] ARM [ ] INVESTMENT [ ] OWNER/USER SECTION A INFORMATION REGARDING APPLICANT / GUARANTOR NAME DATE OF BIRTH SOCIAL SECURITY NUMBER STREET ADDRESS CITY STATE ZIP OWN RENT (Per Month) Other $ AT CURRENT ADDRESS SINCE (MM/YY) HOME TELEPHONE NUMBER FAX NUMBER OR EMPLOYED BY POSITION OR TYPE OF BUSINESS, IF SELF- EMPLOYED YEARS WITH COMPANY WORK TELEPHONE NUMBER EMPLOYER S ADDRESS NUMBER OF DEPENDENTS AGES OF DEPENDENTS SECTION B INFORMATION REGARDING JOINT APPLICANT NAME DATE OF BIRTH SOCIAL SECURITY NUMBER RELATIONSHIP TO APPLICANT (IF ANY): STREET ADDRESS CITY STATE ZIP OWN RENT (Per Month) Other $ AT CURRENT ADDRESS SINCE (MM/YY) HOME TELEPHONE NUMBER FAX NUMBER OR EMPLOYED BY POSITION OR TYPE OF BUSINESS, IF SELF- EMPLOYED YEARS WITH COMPANY WORK TELEPHONE NUMBER EMPLOYER S ADDRESS NUMBER OF DEPENDENTS AGES OF DEPENDENTS SECTION C MARITAL STATUS 1. APPLICANT / GUARANTOR Unmarried (Including single, divorced and widowed) Separated Married 2. CO-APPLICANT Unmarried (Including single, divorced and widowed) Separated Married SECTION D SUBJECT PROPERTY INFORMATION STREET ADDRESS CITY STATE ZIP COUNTY PROPERTY TYPE: Multi-family Retail Office Light Industrial Other: PURCHASE OF SUBJECT PROPERTY SALES PRICE CASH DOWN PAYMENT SOURCE OF DOWN PAYMENT (CASH DOWN AND/OR OTHER EXPLAIN): SUBORDINATE LENDING/CONTACT NAME TERM (MOS) INT RATE SUBORDINATE FINANCING AMOUNT REVISED Page 1 of 4

36 SECTION D SUBJECT PROPERTY INFORMATION (continued) REFINANCE OF SUBJECT PROPERTY DATE ACQUIRED PURCHASE PRICE CURRENT VALUE DESCRIBE SIGNIFICANT REPAIRS AND/OR IMPROVEMENTS MADE AND/OR TO MADE (ON CONSTRUCTION TAKE-OUT, ATTACH A COMPLETE COST BREAKDOWN): FUNDS TO BE USED TO PAY: LENDER NAME $ $ LIEN BALANCE MONTHLY PAYMENT ORIGINATION DATE INTEREST RATE MATURITY DATE LIEN POSITION $ $ REMAINING FUNDS TO BE USED FOR: $ $ E. FINANCIAL STATEMENT (As of Date ) Cash in East West Bank ASSETS CURRENT VALUE LIABILITIES MO. PYMNT. $ Total Revolving Credit Balance $ $ BALANCE DUE Total Cash in other Banks (Name of Bank): $ Automobile Loans $ $ Retirement Accounts (IRA, SEP, Keogh, 401-K) Stocks/Bonds/Mutual Funds (Marketable) Residence Market Value Other Real Estate Market Value Automobiles (Year and Make) $ $ $ $ $ Other Installment Loans Balance $ $ First Mortgage on Residence $ $ Other Mortgage(s) on Residence $ $ Mortgage(s) on Other Real Estate $ $ Taxes Payable (Describe) $ $ Other Assets (Describe) $ Other Liabilities (Describe) $ $ Total Assets $ Total Liabilities $ (-) Minus Total Liabilities $ LIFE INSURANCE (=) Net Worth $ AMOUNT OF LIFE INSURANCE $ BENEFICIARY NAME ANNUAL PREMIUM CASH SURRENDER VALUE SECURITIES OWNED (List additional stocks on reverse side under Additional Information.) No. of Shares or Bond Amounts Securities Description Registered Owner Pledged Exchanges Present Yes No ( NYSE, AMEX, OTC) Market Value REVISED Page 2 of 4

37 REAL ESTATE HOLDINGS (Attach separate schedule for additional properties) Property Type: SF = Single Family MF = Multiple Family C = Commercial / Industrial L= Land / Acreage Property Type RESIDENCE SF MF VAC. RENTAL SF MF C L VAC. RENTAL SF MF C L VAC. RENTAL SF MF C L Property Address Street City Percentage of Ownership % % % % Indicate Type of Ownership TR = Trust CP = Community Property JT = Joint Tenancy TC = Tenants in Common SP = Separate Property Date Purchase Purchase Price $ $ $ $ Estimated Market Value $ $ $ $ First Mortgage Balance $ $ $ $ First Mortgagor Name All Other Mortgages/Liens $ $ $ $ Annual Property Taxes/ Property Insurance $ $ $ $ Monthly Mortgage Payment(s) $ $ $ $ Mortgage Maturity Year Gross Monthly Rent $ $ $ ANNUAL INCOME (For Year ) Income Sources - Income from alimony, child support or separate maintenance does not have to be stated unless you want it considered. Your Gross Annual Salary $ Co-Applicant Gross Annual Salary $ Gross Annual Rental Income $ Other Income (Itemize) Total Annual Gross Income $ (-) Minus Total Annual Expenditures $ (=) Net Spendable Income $ $ ANNUAL EXPENDITURES ( For Year ) Real Estate Loan Pymnt(s) Residence $ Real Estate Rent/Lease Pymnt(s) $ Income Taxes $ Insurance Premium (all Types) $ Homeowner Assoc. Fees (Residence) $ Property Taxes (Other) $ Alimony, Child Support, Etc. $ Other (describe installment payments other than real estate) 1. $ 2. $ Total Annual Expenditures $ $ REVISED Page 3 of 4

38 F. GENERAL INFORMATION (If married, these questions apply to both you and your spouse.) Are any assets held in a Trust? Have you ever had a repossession? Have you had a bankruptcy, lien or judgment against you in the past seven years? Have you been a principal or guarantor of a firm that declared bankruptcy in the past seven years? Are any assets pledged or debts secured except as shown? Are you leasing any real or personal property? Do you anticipate any substantial reductions of your income as listed herein during the term of this loan? YES YES YES YES YES YES YES NO NO NO NO NO NO NO Are you party to any claim, lawsuits or regulatory proceeding? Have you been audited by the IRS in the past three years? If yes, has the audit been settled? Do you guarantee or co-sign any other debt? Do you have any credit or pending loan applications at other financial institutions? Are you an executive officer, director or principal shareholder of any financial institution? Have you ever been convicted of a felony? YES YES YES YES YES YES YES NO NO NO NO NO NO NO If YES to any of the above, please explain: G. SIGNATURES For purposes of obtaining credit: I/We furnish you with the foregoing statement and information, which is a true and correct statement of my/our financial condition as of the date set forth herein. I/We further state that I/we am/are aware that any untrue statement on this application will subject me/us to the full penalties of the law. It is hereby expressly agreed that upon application for further credit, this statement shall have the same force and effect as if delivered as an original statement of my/our financial condition at the time such further credit is requested. AUTHORIZATION TO OBTAIN AND RELEASE BORROWER S FINANCIAL INFORMATION For value received and in consideration of the granting or extension of any loan by East West Bank ("Bank"), in the interest of servicing my/our loan(s), ensuring the continuing validity of any guaranty executed on my/our loan(s), and providing better service to me/us, I/we authorize the Bank to review other financial information about me/us including employment and credit reporting information, and to disclose my financial information with third parties to the extent permitted by law. SIGNATURE OF APPLICANT DATE SIGNATURE OF CO-APPLICANT DATE REVISED Page 4 of 4

39 APPLICANT STATUS FORM * Whether married, unmarried, or separated, you may request individual credit by applying alone. If you intend to rely on your spouse's future earnings to qualify for this credit, please apply for joint credit. * Persons married to each other may request joint credit by applying together on one application. * Persons not married to each other may request joint credit by completing separate applications and submitting their applications together * If there is more than one guarantor, please submit a separate Applicant Status Form for each guarantor. Your credit request will not be considered complete until you check one of the following boxes and sign below. I am applying for individual credit in my own name and I am relying on my own income or assets, and not the income or assets of another person as the basis for the repayment of the credit requested. I intend to apply for individual credit: Applicant This is an application for joint credit with another person. We intend to apply for joint credit: Applicant Co-applicant I am applying for individual credit, but I am also relying on income from an additional source such as: alimony, child support, or separate maintenance, or on the income or assts of another person as the basis for repayment of the credit requested. I understand that I may be required to provide information about the person on whose alimony, support, or maintenance payments or assets I am relying upon. I intend to apply for individual credit and I am relying on an additional source of income: Applicant I am applying as a guarantor. Guarantor

40 East West Bank Rent Roll Property: Borrower: As of: Loan #: Unit# Tenant Name Bdr/Ba Monthly Rent Market Rents Type of Lease * CAM Lease Inception Lease Expiration Options / / / / / / / / / / / / / / / / / / / / / / Total Rental Income $ - $ - Laundry/Month Parking Other Total Monthly Income $ - $ - Total Annual Income $ - $ - I (we) hereby represent and warrant that the foregoing Statement is submitted for the purpose of obtaining a loan, and that it is certified as true and correct by the undersigned, under penalty of perjury. Borrower Date Borrower Date Date

41 East West Bank Property Operating History Property Address: Borrower: Instructions: Please provide complete operating statements for the previous two full years and for the current year end and year to date You may attach your own operating statement format or provide your Schedule E's from your Federal Income Tax returns. If your property is new, please complete the YTD operating statement and provide a 12 month proforma in one of the historcial columns. Annual Income Previous 2 Year Previous 1 Year YTD thru Rental Income Collected Laundry Income Garage Income Other Income Total Income Collected Annual Expenses Previous 2 Year Previous 1 Year YTD thru Taxes Liscence/Accounting/Legal Insurance Utilities Rubbish Pest Control Security Gardener Resident Manager Office Management Supplies Pool Service Elevator Cleaning Expense Advertising Telephone Building Maint. & Repair Painting & Decorating Other/Rent Control Total Expenses Total Expenses Net Operating Income I certify under penalty of perjury that the information herein is true and correct as of: Date Borrower Date

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43 CREDIT INFORMATION RELEASE I/We, the undersigned applicant(s) agree that the loan application being made and the information on it will be used by East West Bank and by any third party to whom the loan application information is referred to for further processing. I/We consent to the shared use of the information I/We provide, and agree that inquiries as to credit history, bank and depository accounts, and mortgage borrowing history and other reverent information can be obtained by any such entity assisting in the processing of the loan application and so shared among them in the processing of the application. I/We also agree this document, or copies of it, can be disclosed to the other parties from whom the necessary credit information must be obtained. I/We also agree that should the loan be granted, any file or loan information may be released to any party who may purchase the loan, and shared with any credit reporting agencies and others who may have a lawful need for it. Print Name of Applicant Signature Date Social Security Number: Print Name of Applicant: Signature Date Social Security Number:

44 EAST WEST BANK ENVIRONMENTAL QUESTIONNAIRE AND DISCLOSURE STATEMENT The purpose of this questionnaire is to provide environmental information to East-West Bank ("Bank"). This information will be considered as part of the loan application. Please respond to every question. Clarifications to answers should be made in the space immediately following the question. Where space is inadequate, please attach additional pages as needed referring to the appropriate question number. In cases where an answer is not available or appropriate, please indicate in the space provided. This questionnaire will be used as a disclosure document and as such must be signed by the borrower. Information provided will be for Bank use only. GENERAL INFORMATION Borrower Name: Property Address: Is the property Owner Occupied? Yes No Will the property be purchased with funds provided? Yes No Have any environmental site assessments, audits or investigations been completed for this site? Yes No If Yes, list here and attach a copy SITE INFORMATION 1. Briefly describe current site use (i.e., business activities, products made, processes etc.) 2. Are there any changes of use intended for the property? Yes No If Yes, describe change from use described in question 1. above. 3. Are any of the following used or stored on site? If Yes, Please check those that apply and describe. Petroleum products Yes No Motor vehicle fuels Yes No Hazardous materials(in quantities requiring local/county fire department notification or permitting) Yes No 4. If the site is not owner-occupied and has tenants, please list tenants (attach list if necessary). Business/Tenant Name Dates Dates Type of Use From: To: From: To: From: To: From: To: SITE HISTORY 1. Describe former site uses, owner and/or tenants, along with dates chronologically listed, with most recent use first. For the following sections please mark to the best of your knowledge, whether any of the adjacent sites are being used for any of the following industries/services? (Please check all those that apply) ADJACENT LAND USE Raw Material Yes No Gas & Oil Exploration & Production Yes No AGRICULTURE AND PROCESSING Farms Wood Processing & Preserving Food Processing (Canning & Preserving Nurseries Meat Products & Rendering Fertilizers (Manufact. & Distrib.) Pulp & Paper Mills Dairy Products Processing Pesticides/herbicides Manufact. & Distb. Orchard Groves Lumber Grain Mills Vineyards Lot Feeds Other EWBMLP13 - Rev. 8/19/97 1

45 Manufacturing Chemical Manuf. Transportation Energy Waste Disposal Commercial Foundries Oil refineries Airports Nuclear Waste Transfer Photochemical Non-Ferrous Mtl. Plastics & Oil & Gas Oil / Gas Waste Treatment Auto Repair Synthetics Pipelines Fired Power Plants Facilities Shops Glass & Asbestos Organic Chemicals Ship Terminals (Harbors) Landfills Automobile Dealerships Nuclear Products Soaps & Railroad Yards Scrap Yards Paint Detergents Batteries Acids & Caustics Trucking Terminals Auto/Truck & Equip. Fleet Svc Facilities Rubber Products Asphalt Plants Gas Stations Dry Cleaners Aerospace Equip. Leather Tanning & Printing Finishing Heavy Equip/ Mach & Vehicles Iron & Steel Textiles Cement Paints Insulation Electroplating Computer & Semi Conductors ASBESTOS 1. Were any of the buildings located on-site constructed prior to 1980? Yes No If Yes, please describe the type of building and approximate square footage. Square Footage # 2. For any of the buildings constructed prior to 1980, has there been any major internal renovation work performed after 1980? Do Not Know Yes No If Yes, briefly describe 3. Please indicate if site buildings contain any of the following building materials. Type Approximate Quantity Acoustical (cottage cheese ceiling) Insulated piping Spray-applied fire-proofing Vinyl floor covering 4. Any buildings/other improvements located on the property known to contain asbestos? Yes No If Yes, please describe. 5. Has an asbestos survey or study ever been conducted to assess the type, amount, location, condition, and/or cost or desirability of removal or encapsulation of asbestos? Do not know Yes No If Yes, please describe and attach a copy of each survey, study or report. EWBMLP13 - Rev. 8/19/97 2

46 POLYCHLORINATED BIPHENYL (PCB) 1. Are any electrical transformers, capacitors, or other equipment which may contain PCB s, present on the site? Yes No If Yes, please describe 2. Is the equipment listed in 1. owned by a public utility or by the property owner? Yes No Please describe. 3. Has any testing for PCB's been performed on equipment listed in 1. Above? If so, please provide results. Don t Know Yes No 4. Has there ever been a PCB leak, spill, or other related incident at the property? Don t Know Yes No If so, please describe occurrence and corrective actions. STORAGE, TANKS, DRUMS, PIPELINES A, UNDERGROUND STORAGE TANKS 1. Are there any underground storage tanks (USTs) located on the property? Yes No If so, please provide information below. Size (Gallons) Construction (Steel, Fiberglass etc.) Double or Single Wall Age Product Stored (Gas, Diesel, Solvent Etc. 2. How are the UST s being monitored for leaks? Please check as appropriate. Inventory Reconciliation Volumetric/Integrity Testing Groundwater Wells Electronic Tank Level Monitor Electronic Interstitial Monitoring (double-walled tank only) Soil/Vapor Monitoring Wells Other Exempt - Give reason for exemption 3. Were there any UST s closed or removed from the site? Don t Know Yes No If so, provide information on tanks as requested in 1. above plus the date of removal. Also, please provide description and copy of tank closure report. 4. Have any site investigations been performed related to the past or present use of UST s at the site? If so, please describe and attach a copy of the investigation report. Don t Know Yes No 5. Are any tanks known to leak now or to have leaked in the past? Don t Know Yes No If so, please describe. EWBMLP13 - Rev. 8/19/97 3

47 ABOVE GROUND STORAGE TANKS 1. Are there any permanent above-ground storage tanks (AGTs) located on the property? Yes No If so, please attach list of tanks including size and product stored. Size (Gallons) Construction (Steel, Fiberglass etc.) Double or Single Wall Age Product Stored (Gas, Diesel, Solvent Etc. 2. Are the AGTs currently monitored for leakage? Yes No Please describe monitoring system. 3. Are any chemicals stored on the property in drums or other containers? Yes No If yes, please attach a listing of the types, quantities stored, and the types and condition of the containers. 4. Are any drums or other containers known to be leaking now or known to have leaked in the past? Don t Know Yes No If so, please describe 5. Are any above or below-ground pipelines (including water and sanitary sewers) located on the property? Yes No If so, please describe 6. Have any pipelines been inspected or tested for leakage? Don t Know Yes No If so, please describe and attach results. 7. Are any pipelines known to leak now or to have leaked in the past? Don t Know Yes No If so, please describe, AIR EMISSIONS 1. Are air emissions from facilities located at the site subject to air pollution control regulations? Yes No If so, please describe including type of emission, type of burners, fuel, air pollution control devices, etc. 2. Are air emissions monitored? Yes No If so, describe and attach requirements and copy of recent monitoring results. 3. Are appropriate air quality permits current? Yes No WATER AND WASTE WATER 1. What is the source of water supply for the site? Public On-Site Well Other Describe Other EWBMLP13 - Rev. 8/19/97 4

48 2. What is the water used for at the site? Irrigation Sanitary Facility Domestic Other Describe Other 3. What are the sources of waste water? Please describe each source including waste constituents or concern and volume of water generated. 4. What site facilities, if any, are present for the handling of waste water? Above Ground Tanks Underground Tanks Vats Sumps Clarifiers Trenches Ponds Treatment Systems Describe 5. How is waste water disposed of and what is the average daily flow? Public Sewer Septic System Dry Well Other Describe Other. 6. Have any citations been received for any discharge violations? Yes No If so, please describe. 7. Please attach copies of waste water treatment and/or waste water discharge permits pertaining to the property. WASTE GENERATION STORAGE AND DISPOSAL 1. Please list all hazardous and non-hazardous waste streams generated on site. Waste Description Quantity How Disposed How Often 2. Is there on-site storage of wastes? Yes No If so, please describe storage area. 3. Does the storage area have secondary containment? Yes No If so, please describe 4. Is there any evidence of spills or release? Yes No If so, please describe 5. Have spills or releases occurred in the past? Yes No If so, please describe EWBMLP13 - Rev. 8/19/97 5

49 PESTICIDES/HERBICIDES AND AGRICULTURAL CHEMICALS 1. Have pesticides, herbicides, or other agricultural chemicals ever been applied to the property? Yes No If so, please describe. 2. Have pesticides, herbicides or other agricultural chemicals ever been mixed, formulated, rinsed or disposed of on the property? Yes No If so, please describe. RADON 1. Have radon levels been monitored at the property or any information gathered concerning potential for radon accumulation? Yes No If so, please describe. ENVIRONMENTAL STUDIES, REPORTS, CITATIONS. ENFORCEMENT, AND CLEANUP ACTIONS 1. Have any environmental assessment studies been performed for the site with respect to soil, groundwater, air or site facilities and processes? Yes No If so, please describe briefly and attach complete dated copies of such reports. 2. Has any public agency ever investigated or cited the property for violation or possible violation of any environmental law or commenced enforcement of cleanup action under environmental law with respect to the property? Yes If so, please describe. No 3. Has any public agency ever listed the property as a site requiring or qualifying for cleanup under any environmental law? Yes If so, please describe. No ENVIRONMENTAL PERMITS/FACILITY REQUIREMENTS 1. If any of the following are required to operate your business facilities on-site, please check and attach a copy as applicable. EPA Hazardous Waste Generator ID List # Material Safety Data Sheets (attach a list of chemicals and quantities) NPDES Permit. Hazardous Waste Treatment Storage and Disposal Facility (TSDF) Permit. Underground Storage Tank Use Permit. Air Pollution Control/Emission Permit. Emergency Hazardous Materials Management Plan or Contingency Plan. Asbestos Operations and Maintenance Plan. I, certify on behalf of, (print Name) (applicant) that the foregoing is true and correct to the best of my knowledge. Signature Corporate Title (if applicable) Date EWBMLP13 - Rev. 8/19/97 6

50 East West Bank January 2004 ENVIRONMENTAL INSURANCE QUESTIONNAIRE Borrower Name Property Address: City: County: State: ZIP: Nearest Cross-Street: Borrower Contact Name: Phone: Fax: Borrower Mailing Address: Please reply to all of the questions below based on your knowledge of the property 1) Will this loan finance the purchase of the property? Yes No Is this a refinance? Yes No 2) If a refinance, will this loan refinance an existing EastWest Bank loan? Yes No N/A 3) Is this a construction loan? Yes No 4) Describe the current use(s) of the Property: 5) Describe the past use(s) of the Property. If unknown, so state 6) Describe the intended use(s) of the Property. If same as current, so state: 7) Do any of the following tenants occupy the property, or have they at any time in the past? Dry Cleaner No Yes If yes, when Gas Station No Yes If yes, when Hazardous Waste Generator No Yes If yes, when Manufacturing Facility No Yes If yes, when 8) Have you ever received any Environmental Site Assessment, notice of violation, or other information from any governmental agency, Environmental consultant, or public, or non-profit group that addresses Environmental issues on the property? No Yes If yes, please describe/attach copies: 9) Are there, or have there ever been, any of the following on or beneath the property? a. Underground Storage Tank(s) No Yes If yes, how many: b. Above Ground Storage Tank(s) No Yes If yes, how many: If you answered Yes to either of the above questions, please continue below with all questions. If you answered No to both of the above questions, skip questions c. through l. below. c. Have the Tank(s) been removed? No Yes d. Are the Tank(s) registered? No Yes e. What is (was) the Tank s contents? f. When was the Tank(s) installed? g. Have the Tank(s) been integrity tested? No Yes If yes, when? Did the Tank(s) pass? No Yes 1 of 2

51 EASTWEST BANK h. Has there ever been any evidence of leaking? No Yes If yes, describe corrective action taken: i. Are the Tank(s) covered by a separate insurance policy? No Yes j. Are the Tank(s) covered by a state fund? No Yes k. Are the Tank(s) in compliance with 1998 EPA standards? No Yes l. For Above Ground Tank(s) only: Is there secondary containment? No Yes Disclaimer: In the event that the loan application is approved and your loan is funded, EastWest Bank intends to obtain an environmental insurance policy covering the lender s loan. This environmental insurance is for the benefit of the Bank only and provides no coverage to you as the borrower. This insurance program does not relieve the borrower of any environmental due diligence for your own behalf. You are encouraged to consult with legal counsel concerning your rights and obligations under the Comprehensive Environmental Response, Compensation and Liability Act and other applicable laws as they relate to performance of appropriate inquiry and the innocent landowner defense. The applicant represents that the above statements and facts are true and that no material facts have been suppressed or misstated. Loan Applicant (please print or type) Name: Property Owner (please print or type) Name: X X Signature Date Signature Date If you would like to obtain a premium quote for an environmental insurance policy for yourself, please indicate your interest. Yes, I am interested. Please contact me by Phone: or Fax: SPACE BELOW THIS LINE FOR BANK USE ONLY Anticipated Closing Date: Anticipated Loan Amount: $ Loan Term: years Fully Amortizing? Yes No First Lien? Yes No Loan #: Projected LTV Ratio: % Debt Coverage Ratio: Year Built: Square Footage: Predominate Property Type: (Please Circle One) Warehouse/Light Ind. Office-Hotel Retail Mulit-Family Construction Other: Loan Officer Name: Phone: Fax: EastWest Bank Loan Officer Loan Officer Fax to: Xanh Tran East West Insurance 2 of 2 12/06/2002

52 HARP On This... A Commercial Real Estate and Business Thoughtboard Due Diligence Checklists for Commercial Real Estate Transactions Posted on November 26, 2013 Are you planning to purchase, finance or develop any of the following types of Commercial or Industrial Real Estate? Shopping Center? Office Building? Restaurant/Banquet property? Parking Lot/Parking garage? Retail Store? Gas Station?

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