1370 India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

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1 Thank you for considering San Diego Private Bank for your financing needs. In order that we may promptly process your request we would need the following information: All Loans: Business/Commercial Loan Application -attached Personal Financial Statement (principal/guarantors) -attached Authorization to Release Information -attached Financial Statement and Tax Return Certification -attached Schedule of Real Estate Environmental Questionnaire -attached Escrow Instructions & purchase Agreements Purchase Preliminary Title Report if available Financial Documentation Requirements: Financial Statement for all borrowing entities Copy of bank / liquidity account statements (minimum 2-months) Federal Tax Returns and all schedules for previous 2 yrs for ea. borrowing entity/guarantor (signed and dated) incl. any K-1 s and Sub Chapter S Corp tax returns on partnership returns representing a substantial percentage of income. IRS Form 4506T each borrowing entity/guarantor must sign a separate form Other items required: Color photos of subject property (photos may be ed) Copy of mortgage statement, both current and last year-end (subject property) Borrower s or Guarantor s Resume (employment, real estate management background, etc.) Vesting Instructions -attached Insurance Information Sheet -attached For construction loans: Copies of Plans and Specifications Construction Cost Breakdown Contractor s Contract / Architect s Contract Also Enclosed: Hazard Insurance Requirements Equal Credit Opportunity Act Notice ECOA/Reg B Appraisal Notice CA Appraisal Availability Notice USA Patriot Act and CIP notification Fair Lending Statement If the Borrowing entity is a Corporation, Ltd Partnership, General Partnership, Ltd Liability Company or Trust, please provide: Corporations: Articles of Incorporation (filed with the Secretary of State) Resolution to Borrow (specific to San Diego Private Bank, terms of loan, property) Minutes of meeting (if the above does not authorize designated signor) Limited Partnerships/General Partnerships: Partnership Agreements (complete and fully executed) Statement of Partnerships (recorded copy) LP-1 or LP-2 (filed with the State and recorded with county) (as applies) Agreement to Borrower (specific to San Diego Private Bank, terms of loan, property) Limited Liability Company: Membership Agreement / Operating Agreement (complete and fully executed) Articles of Organization (complete and fully executed) LLC-1 (filed with State and recorded with County) Agreement to Borrow (specific to San Diego Private Bank, terms of loan, property) Trust: Page from the trust agreement showing the complete name of the trust Page from the trust agreement that indicates the powers of the trustees Page from the trust agreement naming the Trustor/Settlor and the Trustees Signature page 1370 India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

2 BUSINESS/COMMERCIAL LOAN APPLICATION LOAN REQUEST INFORMATION Loan Amount Requested: Term Requested: Collateral Offered: Value: Purpose of Loan (Use of Proceeds): I understand I may apply for this credit in my name alone, without my spouse or any other person, regardless of my marital status. I am applying: in the business name only In my name alone Jointly with my spouse or Registered Domestic Partner (RDP) Jointly with who is not my spouse or RDP Joint applicants must initial here: Applicant: Co- Applicant: SECTION 1 NON-INDIVIDUAL APPLICANT (Please Print) Entity Name Tax ID # Entity Type: S Corporation C Corporation Limited Liability (LLC) Partnership Trust Other: Address Phone Number Alt Phone Number State of Organization SECTION 2 INDIVIDUAL APPLICANT INDIVIDUAL OWNER OF ENTITY NAMED IN SECTION 1 Full Name Social Security Date of Birth Address Married Separated Unmarried (incl. single, divorced & widowed) Title/Ownership Capacity: Phone Number Alt Phone Number or Former address if at above less than two years SECTION 3 INDIVIDUAL CO-APPLICANT INDIVIDUAL CO-OWNER OF ENTITY NAMED IN SECTION 1 Full Name Social Security Date of Birth Address Married Separated Unmarried (incl. single, divorced & widowed) Title/Ownership Capacity: Phone Number Alt Phone Number or Former address if at above less than two years Page 1 of 2 Current Rev: 01/30/2014 Prior Rev: 01/08/2014

3 SECTION 4 INCOME/EXPENSES/ASSETS/LIABILITIES/ADDITIONAL SCHEDULES PLEASE CHECK ALL ADDITIONAL SCHEDULES ATTACHED OR TO FOLLOW. PERSONAL FINANCIAL STATEMENT PERSONAL TAX RETURNS (2 yrs most recent) BUSINESS FINANCIAL STATEMENT BUSINESS TAX RETURNS (2 yrs most recent) PERSONAL and/or BUSINESS ASSETS SECURITIES OWNED LIFE INSURANCE ACCOUNTS & NOTES RECEIVABLE LIABILITIES ACCOUNTS & BILLS PAYABLE REAL ESTATE OWNED PARTNERSHIP INTERESTS NOTES PAYABLE TO OTHERS OTHER: OTHER: OTHER: SECTION 5 DECLARATIONS Please respond to the following: Applicant Co-Applicant If you answer yes to any of questions below, please attach a separate sheet with full details. Yes No Yes No 1. Have you ever filed bankruptcy, compromised a debt with a creditor, or negotiated a real estate short pay? 2. Are you a party in a lawsuit? 3. Are there any judgments against you or pending? 4. Are any assets pledged or debts secured? 5. Is any of the applicant s income to be reduced in the next two years or before the credit requested is paid off? 6. Are any assets held in trust? If yes, please show trust name: 7. Have you ever had credit in another name? If yes, please show: 8. Are you an endorser or guarantor for other debt? By signing below, I/we certify that the information submitted in connection with this application is true, complete and correct and accurately represents my/our current financial condition. If there are important changes, I/we will notify the Bank in writing immediately. You may verify from whatever sources you choose the accuracy and completeness of all the information I/we have provided, whether it concerns me or my spouse even if my spouse is not an applicant for this account. I/we understand that from time to time you may receive information concerning me/us from others and you may furnish information concerning your credit experience with me/us to others seeking such information. You may keep this application even if you decide not to make the loan I/we have applied for. The provisions of Section of the California Vehicle Code are hereby waived. I/we understand that this waiver will give the Bank authorization to receive my/our current residence address at any time from the Department of Motor Vehicles. In Addition, I/we authorize the Bank to check my/our individual credit account and employment history and have a credit reporting agency prepare a credit report. Applicant s Signature Date Co-Applicant s Signature Date Page 2 of 2 Current Rev: 01/30/2014 Prior Rev: 01/08/2014

4 PERSONAL FINANCIAL STATEMENT This Personal Financial Statement is for informational purposes only and does not constitute an Application for Credit on its own. SECTION 1 APPLICANT (Please Print) Full Name Date of Birth Social Security # Drivers License Married Separated Unmarried (incl single, divorced & widowed) Home Address State Mother s Maiden Name Home Phone Number Business Phone Number Number of dependents excluding self Former address if at above less than two years Ages of dependents Current Employer Address How Long? Years Months Position Former Employer Address How Long? Years Months Position Name and address of nearest relative not living with you Relationship Home Phone Number Business Phone Number SECTION 2 SPOUSE (Please Print) Full name Date of Birth Social Security # Drivers License Married Separated Unmarried (incl single, divorced & widowed) Home Address State Mother s Maiden Name Home Phone Number Business Phone Number Number of dependents excluding self Former address if at above less than two years Ages of dependents Current Employer Address How Long? Years months Position Former Employer Address How Long? Years months Position Name and address of nearest relative not living with you Relationship Home Phone Number Business Phone Number Page 1 of 4

5 SECTION 3 INCOME AND EXPENSES Annual Monthly (List all amounts in dollars. Omit cents.) INCOME AMOUNT EXPENSES AMOUNT Salary (Applicant) Mortgage Payments (complete Schedule 6) Salary (Spouse) Other Loan Payments (complete Schedule 8) Interest / Dividends Credit Card Payments Rental Income Other (describe) Alimony, Child Support or Sep. Maint. * *Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Other Obligations (e.g. child support, alimony, or Sep. Main.) Property Taxes Income / Other Taxes Insurance (property, auto, life, other) Living Expenses TOTAL TOTAL SECTION 4 ASSETS AND LIABILITIES Date of valuations: Please attach a separate sheet if you need more space to complete a detailed schedule. NOTE: If applicant is married and lives in a community property state, such as California, the bank will assume that all assets are community property and all debts are community obligations, unless otherwise indicated by applicant. ASSETS AMOUNT LIABILITIES AMOUNT Institution/Account # Market Value To Whom Owned Present Balance Checking Loans Payable SDPB Checking Loan Payable Others Complete Schedule 8 Savings/CD Credit Cards Securities Complete Schedule 1 (list type & acct. #) Retirement Funds Notes Receivable Complete Schedule 2 Cash Value Life Ins Complete Schedule 3 Residence Mortgage Complete Schedule 6 Mortgages Owned Complete Schedule 4 Other Real Estate Loans Complete Schedule 6 Residence Complete Schedule 5 Life Insurance Loans Other Real Estate Complete Schedule 5 Other (describe) Automobiles Partnership Invest. Complete Schedule 7 Total Liabilities Other (Describe) Net Worth TOTAL TOTAL Page 2 of 4

6 SCHEDULE 1 SECURITIES OWNED No. Shares Or Bond Amount Description Title in the Name Of How Held Code* Value On This Statement TOTAL Present Market Value Listed/ Unlisted SCHEDULE 2 NOTES RECEIVABLE Name Of Debtor Collateral Payable Maturity Date Total Amount Due Per Per Per TOTAL SCHEDULE 3 LIFE INSURANCE Name Of Insured Insurance Company Face Value Cash Value Loan Amount TOTAL SCHEDULE 4 MORTGAGE AND DEEDS OF TRUST OWNED Name of Debtor Type of Property 1 st /2 nd Lien Value of Property How Payable Unpaid Balance TOTAL SCHEDULE 5 REAL ESTATE OWNED (SHOW MORTGAGES OR LIENS IN SCHEDULE 6) IF MORE THAN 2 PROPERTIES, PLEASE USE THE SCHEDULE OF REAL ESTATE PROVIDED Address & Type of Property Title In Name Of How Held Code* Monthly Income Cost Year Acquired *How held codes: Community Property = CP; Single Ownership = SO; Joint Tenants = JT; Tenants in Common = TIC; Family Trust = FT Current Market Value year year year year TOTAL Total Balance Owing (Detail in Schedule 6) SCHEDULE 6 MORTGAGES OR LIENS ON REAL ESTATE To Whom Payable How Payable Interest Rate Maturity Date Balance Owing Per Per Per TOTAL Page 3 of 4

7 SCHEDULE 7 PARTNERSHIP INTERESTS Name % Interest Lmtd/Gen or LLC? Cost Current Value Annual Withdrawals TOTAL Annual Contributions SCHEDULE 8 NOTES PAYABLE TO OTHERS To Whom Payable Account # Collateral How Payable Interest Rate Unpaid Balance Creditor s Address Per Per TOTAL By signing below, I/we certify that the information submitted in connection with this personal financial statement is true, complete and correct and accurately represents my current financial condition. If there are important changes, I/we will notify the Bank in writing immediately. You may verify from whatever sources you choose the accuracy and completeness of all the information I/we have provided, whether it concerns me or my spouse even if my spouse is not an applicant for this account. I/we understand that from time to time you may receive information concerning me from others and you may furnish information concerning your credit experience with me to others seeking such information. You may keep this personal financial statement even if you decide not to make the loan I/we have applied for. The provisions of Section of the California Vehicle Code are hereby waived. I/we understand that this waiver will give the Bank authorization to receive my/our current residence address at any time from the Department of Motor Vehicles. Applicant s Signature Date Spouse s Signature Date Page 4 of 4

8 AUTHORIZATION TO RELEASE INFORMATION I/we hereby authorize San Diego Private Bank, (the lender ) to verify my/our past and present employment earning records, bank accounts, stock holdings, and any other assets needed to process my/our loan application. I/we further authorize the Lender to order a consumer credit report, and verify other credit information, including past and present mortgage references. It is understood a photocopy of this form will also serve as authorization. The undersigned specifically acknowledge(s) and agree(s) that: (1) verification or re-verification of any information contained in the application may be made at an any time by the Lender, its agents, successors and assigns, either directly or through a credit reporting agency, from any source named in this application, and the original copy of this application will be retained by the Lender, even if the loan is not approved; (2) the Lender, its agents, successors and assigns will rely on the information in the application and I/we have a continuing obligation to amend and/or supplement the information provided in this application if any of the material facts which I/we have represented herein should change prior to closing; and in the event my/our payments on the loan indicated in this application become delinquent, the Lender, its agents successors and assigns, may in addition to all their other rights and remedies, report my/our name(s) and account information to a credit reporting agency. SIGNATURE SIGNATURE PRINT NAME PRINT NAME Prior Rev: 08/09/2011

9 FINANCIAL STATEMENT AND TAX RETURN CERTIFICATION Proposed Borrower: RE: Financial Statements and tax returns submitted for this transaction In connection with San Diego Private Bank s consideration of an application to loan funds to the above named Borrower, the undersigned certifies, represents and warrants to San Diego Private Bank that all financial information including but not limited to financial statements, property operating statements, rent rolls, and tax returns provided prior to and after the loan is made, are true, correct and complete. The undersigned understands that San Diego Private Bank will be relying on this Financial Statement and Tax Return Certification in considering whether or not to make a loan to the above named Borrower and in the ongoing servicing of the loan should it be originated. Date: SIGNATURE SIGNATURE PRINT NAME PRINT NAME

10 Environmental Questionnaire Borrowing Entity: Property Address: Nearest Cross Street/Intersection: City: County: State: Zip Code Anticipated Loan Amount: Anticipated Loan-to-Value Ratio: Anticipated Closing Date: Anticipated Total Debt LTV: 1. Is this loan an: acquisition loan, or refinance (please check one) 2. Is loan secured by the: land, building(s), furniture or fixtures (check all that apply) 3. Will lender posses 1 st lien-holder status against the collateral property? Yes No 4. Is this a construction loan? Yes No 5. Term of loan: 6. Describe the current use(s) of the property: 7. Describe the past use(s) of the property (if unknown, so state): 8. Describe the intended use(s) of the property (is same as current, so state): 9. If the property is/was used for warehouse/light industrial purposes, describe the materials stored and/or industry conducted: 10. Are there, or have there ever been, any of the following facilities occupying the property: 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 11. Have you ever received, or do you have knowledge of, any environmental site assessment, notice of violation, or other information from any governmental agency, environmental consultant, or public, private, or non-profit group that addresses environmental issues on the property? No Yes If yes, please describe and attach copies: Page 1 of 2

11 12. 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 checked YES to either a or b above, continue answering 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 installed? g. Have the tank(s) been integrity tested? No Yes If yes, when? Did the tank pass? No Yes 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 they in compliance with 1998 EPA standards? No Yes l. For AGST s only: Is there secondary containment? No Yes The undersigned represents that the above statements are true and correct to the best of their knowledge and that no material facts have been suppressed or misstated. Legal Borrower (please print or type) Property Owner (please print or type) Signature Date Signature Date Page 2 of India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

12 VESTING INSTRUCTION Property Address: Applicant(s): PLEASE COMPLETE THIS WITH THE EXACT VESTING Individual Corporation Trust Limited Liability Company Partnership (LTD Or General) Other Applicant hereby applies to San Diego Private Bank for a loan under the above named vesting. The applicant is fully aware that the financial capability of the entity named above will undergo the Credit Review Process to qualify for the loan. All charges and fees incurred curing this process which may include, but are named limited to, any and all credit verifications, administrative expenses, property inspections and any other expenses deemed necessary to result in a satisfactory review of this entity or the property, will be incurred by the applicant and will be deducted from the good faith deposits. Should there be any changes in applicants vesting or entity during the Credit Review Process, Application Process, Loan Approved Process or Closing Process, the applicant will incur an additional 500 Administrative Fee to Re-apply and re-process the new application. This administrative Fee will be in addition to all loan costs originally quoted. APPLICANT SIGNATURE APPLICANT SIGNATURE PRINT NAME PRINT NAME APPLICANT SIGNATURE APPLICANT SIGNATURE PRINT NAME PRINT NAME 1370 India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

13 HAZARD INSURANCE REQUIREMENTS The following insurance requirements must be maintained at the expense of the Borrower for fire, flood and other types of insurance as may be required by San Diego Private ( Bank ) for all real property pledged as collateral for a loan. All insurance must be in form and content satisfactory to Bank. This notice is intended to assist you during the application portion of your loan request. Once your loan is closed, should any conflicts occur between this form and your loan documents, the loan documents will prevail. 1. The policy amount on for improvements that are identified as collateral for your loan, with loss payable in favor of Lender and must be equal to the principal balance of the loan together with any senior loans OR 100% of replacement cost of the improvements on the subject property, whichever is less. The total deductible applicable to all policies covering the collateral cannot exceed 2,500. All policies must be for a minimum of 12 months and must be paid in full at the time of each renewal. On refinance transactions, at the time the loan is originated the remaining term on your policy cannot be less than 6-months. 2. If applicable, the amount of flood insurance required is the lower of a) the outstanding principal balance of the loan or b) the maximum amount of coverage available under the NFIP for the particular type of improvements; or c) full insurable value of the improvements equal to 100% of the replacement cost value. 3. The insurer must be licensed to do business in California and must have a rating of B, Class V or better in current Best s Key Rating guide, For non-admitted carriers, a rating of A, Class V or better is required. Policies received from Companies rated below the specified requirements will be accepted only if they are accompanied by 100% reinsurance endorsement from a company rated as indicated above. Said reinsurance endorsement must provide for a 90-day written notice before cancellation or termination. 4. Insurance policies must reflect Lender s Loss Payee as follows: San Diego Private Bank, its successors and assigns 9404 Genesee Avenue, Ste #100 La Jolla, CA For commercial and five or more residential unit properties, a minimum of twelve months loss of rents coverage must be included in the policy. 6. General liability in the amount of 1,000,000 per occurrence and 2,000,000 aggregate. 7. When personal property and/or fixtures are included in the security of a loan, insurance coverage is required to the extent of their value as determined by Lender. 8. Binders are acceptable as temporary proof of insurance, up to maximum of 30 days. Certificates of insurance are not acceptable as proof of insurance. 9. Verification of renewal insurance policies must be in the Lender s office at least thirty days prior to expiration of the existing policy. In the event Lender receives notice of cancellation, non-renewal, or any other lapse in coverage of any required policy, and Borrowers have not provided Lender with evidence of a replacement policy, Lender may obtain insurance, (interim coverage) at Borrower s expense, protecting Lender s interest only, such interest being limited to the unpaid principal balance of the loan. Lender will have no responsibility for maintaining that insurance protection, liability, theft, or other special risk not required by the Bank. Current Rev: 08/22/ India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

14 INSURANCE INFORMATION SHEET CUSTOMER NAME: PLEASE PROVIDE THE FOLLOWING INFORMATION FOR INSURANCE VERIFICATION PURPOSES: REAL ESTATE: INSURANCE COMPANY: AGENT S NAME: AGENT S PHONE/FAX: POLICY NUMBER: BUSINESS ASSETS: INSURANCE COMPANY: AGENT S NAME: AGENT S PHONE /FAX: POLICY NUMBER: COURSE OF CONSTRUCTION: INSURANCE COMPANY: AGENT S NAME: AGENT S PHONE/FAX: POLICY NUMBER: Current Rev: 08/22/ India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

15 Please Keep For Your Records EQUAL CREDIT OPPORTUNITY ACT NOTICE RIGHT TO REQUEST SPECIFIC REASONS FOR CREDIT DENIAL 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 San Diego Private Bank at: San Diego Private Bank Attn: Lending 9404 Genesee Avenue, Ste#100 La Jolla, CA (858) 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 applicant has in good faith exercised any right under the Consumer Credit Protection Act. Their federal agency that administers compliance with this law concerning this credit is the Federal Deposit Insurance Corporation Consumer Response Center, 1100 Walnut St, Box #11, Kansas City, MO ECOA/REGULATION B APPRAISAL NOTICE: We may order an appraisal to determine the property s value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost. The ECOA/Regulation B Appraisal rule applies to any application for credit, which shall be secured by a first lien on a dwelling. A dwelling may include any residential structure, which contains 1 to 4 units, whether or not it is attached to real property. This includes individual condominiums or cooperative units, mobile homes, and other manufactured homes. CALIFORNIA NOTICE OF RIGHT TO RECEIVE COPY OF APPRAISAL You have the right under section of the California Business and Professions Code to a copy of the appraisal report obtained by this bank in support of your application for credit, provided that you have paid for the appraisal. In order to obtain a copy of your appraisal report, we must receive your written request for a copy no later than 90 days after we notify you regarding the action taken on your credit application, including notice of an incomplete application and the fee for the appraisal has been paid in full. If you withdraw your application, you must make your request for an appraisal report within 90 days of the withdrawal. Please address your letter to the officer processing your loan request at: San Diego Private Bank, 9404 Genesee Avenue, Ste#100, La Jolla, CA NOTE Not applicable on first lien 1-4 dwelling transaction, refer to ECOA/Regulation B Appraisal Notice instead. Current Rev: 01/17/ India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

16 Please Keep For Your Records Summary USA PATRIOT ACT AND CUSTOMER IDENTIFICATION PROGRAM (CIP) In response to the events of September 11, 2001, President Bush signed into law on October 26, 2001 the USA Patriot (Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism) Act of The act is comprised of several broad and wide-ranging anti-terrorism initiatives, including measures financial institutions must follow to detect, prevent, and assist in the prosecution of persons involved in money laundering and/or financing terrorism. What is San Diego Private Bank doing to comply with the USA Patriot Act? San Diego Private Bank is committed to comply with the provisions of the Act, including the required implementation of a Customer Identification Program, or CIP. Based on the requirements of the CIP, we have created procedures for obtaining, verifying, and maintaining records of identifying information from clients opening accounts. Our use of the term account includes safe depositor renters, CD purchasers, holders of deposit accounts of all types, borrowers, credit card clients, trust clients, those who use our investment services, and those who utilize our cash management services. To comply with the USA Patriot Act, we must obtain: The client s legal name; Date of birth (for individuals); A current physical address (P.O. Boxes or other such addresses may not be used) An identifying number (current Drivers License, Passport, etc.) Additionally, the Bank must be able to verify the identity of the client through documentary and non-documentary methods (e.g., accepting identification). Please know that all financial institutions in the United States are required to comply with the provisions of the USA Patriot Act Customer Identification Program (CIP) India Street, Suite 100 San Diego, CA Phone Fax Member FDIC

17 FAIR LENDING STATEMENT The Bank will accept and consider all written applications for credit and will grant such credit based on safe and sound banking principles. Employees are instructed to treat all persons fairly and not to discriminate or discourage any one from applying for credit on any prohibited basis. It is against Bank policy to discriminate against a loan applicant or borrower because of race, color, religion, national origin, sex, handicap, marital status, age, familial status, or the fact that all or part of an applicant s income comes from any public assistance program or because the applicant has exercised any right under the Consumer Credit Protection Act or any similar state law. The Bank does not refuse to make a loan or discriminate against an applicant in the amount, interest rate, period, or any other term of a loan based on any of the prohibited basis of the applicant or anyone else involved in the transaction including joint applicants or others involved in the transaction. The Bank takes no action that would, on a prohibited basis, discourage a reasonable person from applying for a real estate or other loan. The Bank does not inquire about the borrower s birth control plans or practices or whether income comes from alimony, child support, or separate maintenance payments unless disclosed to the borrower that he or she need not reveal the income if it is not to be considered in approving the loan. The Bank is committed to nondiscriminatory marketing. The Bank makes sure that its marketing practices and business relationships with developers and real estate brokers do not improperly restrict clientele and exclude disadvantaged segments of the community India Street, Suite 100 San Diego, CA Phone Fax Member FDIC