Firstmark Credit Union Commercial Loan Department

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1 Fistmak Cedit Union Commecial Loan Depatment Thank you fo consideing Fistmak Cedit Union as a tusted souce to meet the needs of you business. Fistmak Cedit Union offes a wide aay of business loans and deposit sevices to assist businesses fom sole popietoships to lage commecial accounts. Fo Sole Popietoships and DBA-type businesses, we will need: Complete 2013 & 2014 Pesonal Tax Retuns, including all schedules Updated Pesonal Financial Statement (pat of this packet) Most ecent yea-to-date paystub (if applicable) Most Recent Statement of Cash Flow, Balance Sheet & Income Statement 2014 Yea-ending Statement of Cash Flow, Balance Sheet & Income Statement Completed Loan Application (pat of this packet) Fo LLC s, Patneships, Copoations and othe Legal Business Stuctues, we will need the documents listed above plus: 2013 & 2014 Business Tax Retuns Lastly, if you e seeking capital fo a business that is in the pocess of launching, we will also need: A Business Plan Feel fee to contact Lisa Baty in ou Commecial Lending Depatment at (210) if you have any questions o need claity as you complete ou application. You may also Rick Nelson at o Mike Haddock at and we would be pleased to assist. Sinceely, Gegg Thone Senio Vice Pesident, Lending evised 01/15

2 Refeing Employee Fistmak Cedit Union Business Loan Application Today s Date Business Account # Pesonal Account # LOAN REQUEST Amount Requested $ Commecial Constuction Line of Cedit Desied Payment $ Commecial Real Estate Equipment loan Pojected tem Commecial Vehicle Othe (yeas o months) Business Visa Cedit Cad Collateal Secuing Loan BUSINESS INFORMATION Business Name # of Employees Desciption of Business Month/Yea est. Steet Addess City/State/Zip Business Phone Tax I.D. # Business Website Addess Legal Business Stuctue Sole Popietoship Patneship Geneal Patneship Limited Patneship S-Cop C-Cop LLC LLP Othe Pio Yea Goss Income $ Pio Yea Net Income $ CPA fo Business CPA s Phone Numbe PRIMARY GUARANTOR Name Social Secuity Numbe Residential Addess City/State/Zip Wok Phone Cell Phone Title % Owneship Goss Annual Income $ Othe Veifiable Income $ Date of Bith CO-GUARANTOR Name Social Secuity Numbe Residential Addess City/State/Zip Wok Phone Cell Phone Title % Owneship Goss Annual Income Othe Veifiable Income Date of Bith BUSINESS ASSETS AND OBLIGATIONS Asset/Collateal Maket Value Cedito Balance Monthly payment Do you offe etiement benefits to you employee(s) and self? No Yes Has the business faced a judgment duing the past 3 yeas? No Yes Has the business declaed bankuptcy duing the past 3 yeas? No Yes Ae all local, state and fedeal taxes cuent fo the business? No Yes Has the boowe o any guaantos eve filed fo bankuptcy? No Yes Ae thee any pending lawsuits o claims against this business? No Yes Does the business accept cedit and/o debit cads fo payment? No Yes Does the business pocess payoll intenally o thu a 3d Paty? Intenal 3d Paty Ae any pesonal assets listed on the Pesonal Financial Statement held in a tust? No Yes Is thee any additional infomation about this equest that you would like to shae? * If moe than two guaanto s/co-boowes will be suppoting this loan, please attach a sepaate document that indicates the above equested infomation. evised 01/15 Commecial Loan Application page 1 of 3

3 EQUAL CREDIT OPPORTUNITY NOTICE If you application fo cedit is denied, you have the ight to a witten statement of the specific easons fo the denial. To obtain the statement, please send you equest within 60 days fom the date you ae notified of the Cedito s decision to Fistmak Cedit Union, P.O. Box , San Antonio, Texas 78232, Attention: Business Lending. The Cedito will send you a witten statement of easons within 30 days of eceiving you equest fo the statement. The notice below descibes additional potections extended to you. NOTICE: All documents submitted and obtained in the couse of this application become popety of Fistmak Cedit Union and may not be available fo etun. If you have been asked to act as a guaanto fo the cedit of one o moe pimay applicant(s) and ae poviding infomation to the cedito in this application fo that pupose, please be advised that if the cedito detemines that you do not meet its standads of ceditwothiness fo the amount and/o kind of cedit desied by the pimay applicant(s), the cedito is equied by law to povide the specific easons fo such advese action to the pimay applicant(s), eithe vebally o in witing as instucted in the peceding paagaph and NOT to you. Unless you ae willing to shae the specific easons fo advese action based on you cedit histoy with the pimay applicant(s), you should not submit this application to the cedito. You choosing to submit this application to the cedito will be deemed by the cedito to be you authoization to shae the specific easons fo advese action with the pimay applicant(s) should the application be denied. In addition, no oal o witten communication implying appoval of a loan o loans is enfoceable o binding until loan documents have been popely executed by all paties. The fedeal Equal Cedit Oppotunity Act pohibits ceditos fom disciminating against applicants on the basis of ace, colo, eligion, national oigin, sex, maital status, age (povided the applicant has the capacity to ente into a binding contact); because all o pat of the applicant s income deives fom any public assistance pogam; o because the applicant has in good faith execised any ight unde the Consume Cedit Potection Act. The agency that administes compliance with this law concening this cedito is the National Cedit Union Administation, Region V (Austin), 4807 Spicewood Spings Rd, Suite 5200, Austin, Texas Pimay boowe Title Date Co-boowe Title Date Co-boowe Title Date Co-boowe Title Date evised 01/15 Commecial Loan Application page 2 of 3

4 PLATINUM VISA BUSINESS AGREEMENT ANNUAL PERCENTAGE RATE (APR) fo Puchases Othe APRs Vaiable Rate Infomation Gace Peiod fo Repayment of Balances fo Puchases Gace Peiod fo Repayment of Balances fo Cash Advances & Balance Tansfes Method of Computing the Balance fo Puchases Annual Fee Cash Advance Fee Balance Tansfe Fee Minimum Financial Chage Ove-limit Fee Late Payment Fee Intenational Puchase, Cedit Vouche and Cash Disbusement Fee 9.24% to 13.24% when you open you account, based on you ceditwothiness. The APR will vay with the maket based on the Pime Rate. Balance Tansfe APR: 18% fixed Cash Advance APR: 18% fixed Penalty APR: 18% fixed* This APR may be applied to the entie balance on you account if you: Make a late payment. APRs will vay. The APR fo puchases will equal U.S. Pime Rate** plus a magin of eithe 5.99% o 9.99%, based on cedit and othe conditions. The maximum APR that can apply is 18% o the maximum pemitted by law, whicheve is geate. Howeve, the APR will not go below 8% o 9.99% depending on cedit qualification. 25 days if total balance is paid in full by the payment due date on the billing statement; othewise none. None Aveage daily balance (including new puchases) $35 2% of each Cash Advance $0 None $15 when account balance exceeds the established cedit limit by 10% o moe. $25, when the minimum equied payment is not eceived within 10 days afte the Closing Date subsequent to the payment Due Date. 1% pe tansaction Retuned Check Fee $25 Cad Replacement Fee $5 Pay By Phone Fee $5 To Repot Lost o Stolen Cads 24/7 call (800) *Application of Penalty APR. You APR may be inceased to the disclosed Penalty APR if you ae 60 days late in making a payment. If you APRs ae inceased fo any of these easons, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in you monthly statement. ** The Pime ate fo the Platinum VISA Business cedit account is the hightest bank pime loan ate as published on the fist Tuesday of the month pio to the stat of each quate listed in The Wall Steet Jounal in its Money Rate section. The Annual Pecentage Rate can change quately on the fist day of Januay, Apil, July and Octobe. The infomation egading the cost of the accounts descibed above is accuate as of May 1, This infomation may have changed afte that date. To find out what may have changed, call us at (210) , (800) o wite us at Fistmak Cedit Union, P.O. Box , San Antonio, TX I, cetify that I am an Office, Patne and/o Owne of the business entity and authoize the following signes authoity to equest, obtain, cay and use the Fistmak Cedit Union Visa Cedit Cad(s). I also agee that any chages, inteest, fees and othe expenses associated with the cad(s) is the whole and complete obligation of the business entity and the guaanto(s). If you ae applying fo a cedit cad, you undestand that the use of you cedit cad will constitute acknowledgement of eceipt and ageement to the tems of the cedit cad ageement and disclosues. You gant us a secuity inteest in all individual and joint shae and/o deposit accounts you have with us now and in the futue to secue what you owe unde the Ageement and if you have applied fo a cedit cad, unde the cedit cad ageement. When you ae in default, you authoize us to apply the balance in these accounts to any amounts due. Shaes and deposits in an Individual Retiement Account, and any othe account that would lose special tax teatment unde state o fedeal law if given as secuity, ae not subject to the secuity inteest you have given in you shaes and deposits. AUTHORIZED SIGNERS OF REQUEST FOR BUSINESS CREDIT CARD REQUESTS ONLY Name 1 SSN Date of Bith Signatue Date Name 2 SSN Date of Bith Signatue Date evised 01/15 Commecial Loan Application page 3 of 3

5 Fistmak Cedit Union Pesonal Financial Statement Name Social Secuity Numbe Residential Addess Daytime Phone Addess Date of Bith GUARANTOR Business Name ASSETS LIABILITIES Cash on Deposit (Ck/Sav/MMkt) $ Motgage(s) on Real Estate $ Cetificates-of-Deposit $ Monthly Payment (o ent) $ IRA, 401(k) & Othe Retiement Accounts $ Installment Account Loan Auto(s) $ Accounts & Notes Receivable $ Monthly Payment (o lease) $ Life Insuance (Cash Suende Value Only) $ Installment Accounts Othe (i.e boat/v) $ Stocks & Bonds (descibe on page 2) $ Monthly Payment $ Real Estate (descibe on page 2) $ Cedit Cad Balances (total) $ Auto(s) (Pesent Value) $ Home Equity Loan Balance $ Othe Pesonal Popety $ Othe Loan Totals to a Cedit Union o Bank $ Othe Assets (descibe on page 2) $ Unpaid Taxes $ Othe Liabilities (descibe on page 2) $ Total of All Assets $ Total of All Liabilities $ ASSETS LIABILITIES = NET WORTH $ SOURCES OF INCOME Monthly Goss Salay $ Othe Monthly Income (descibe below) $ Monthly Net Investment Income $ Monthly Real Estate Income $ TOTAL MONTHLY INCOME $ LOANS PAYABLE TO CREDIT UNIONS & OTHERS Name of Cedit Union/Bank Descibe Collateal Oiginal Balance Cuent Balance Payment Amount Fequency (i.e. monthly) evised 01/15 Pesonal Financial Statement page 1 of 2

6 Name of Secuity (i.e GE o Dell) MARKETABLE SECURITIES/STOCKS & BONDS Numbe of Shaes/Bonds Pio closing day Maket Value of all shaes/bonds REAL ESTATE Popety 1 Popety 2 Popety 3 Addess Date Puchased Oiginal Cost Pesent Maket Value Name of Motgage Holde Motgage Balance Monthly Payment Othe Pesonal Popety (descibe, including if any is pledged as secuity) Othe Liabilities Not Disclosed I authoize Fistmak Cedit Union to make inquiies as necessay to veify the accuacy of the statements made and to detemine my ceditwothiness. I cetify that the peceding disclosues and any attachment(s) submitted with this document ae tue and accuate as of the stated date(s.) These statements ae made fo the pupose of eithe obtaining a loan, guaanteeing a loan o pat of continued due diligence to maintain a loan. I undestand that false, misleading and omission of facts may esult in Fistmak Cedit Union electing to pusue legal measues, including an immediate epayment of all loans extended based upon the peceding. PRINTED NAME APPLICANT SIGNATURE DATE evised 01/15 Pesonal Financial Statement page 2 of 2

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