SBA LOAN APPLICATION

SBA LOAN APPLICATION

This checklist will aid you in gathering the necessary information for the initial evaluation of your loan request. In order

to process your application, we will need complete information. (◊ indicates a form is enclosed in this package)

FORMS INCLUDED IN THIS PACKAGE

◊ Application for Business Loan

◊ Estimated Project Costs (Use of Loan Proceeds)

◊ Business History and Credit References

◊ Business Debt Schedule

◊ Profit and Loss Projection

◊ Completed and signed IRS form 4506 (Verification of Business Federal Income Tax Returns)

◊

O n e s e t fo r e a ch p ri n ci p a l o w n in g 2 0 % o r g re a te r in te re st i n su b je ct c o m p a n y

Personal Financial Statement (All individuals owning 20% or more of the business; if married,

both husband and wife must sign and date)

◊ Management Resume(s) (All individuals owning 20% or more of the business)

◊ Annual Family Budget

◊ Consent by Business Principal to Obtain Consumer Credit Report

◊ Completed and signed SBA Form 912 (Statement of Personal History). Each member of the

small business concern must submit this form. See right top of Form 912 for requirements.

ITEMS NOT INCLUDED IN THIS PACKAGE THAT YOU WILL NEED TO PROVIDE

◊ Federal Business Tax Returns (for the most recent 3 years)

◊ Interim Business Financial Statement (Balance Sheet & Income Statement, to be no more than 60 days old at

the time of submission)

◊ Federal Individual Income Tax Returns (for the most recent 3 years)

◊ For purchase of existing business, seller’s Federal Business Income Tax Returns for 3 years and most current

interim Business Financial Statement (Balance Sheet & Income Statement)

◊ For debt refinance, copy of notes to be paid off

◊ Other: Please attach assumptions to Profit/Loss Projections

INFORMATION: Federal law under the USA Patriot Act requires us to obtain sufficient information to verify your

identity, You may be asked several questions and to provide one or more forms of identification to fulfill this

requirement. In some instances we may use outside sources to confirm this information. The information you

provide is protected by our PRIVACY POLICY AND FEDERAL LAW.

APPLICANT COMPANY

Legal Business Name: Phone:

DBA Name (if applicable): Cell:

Primary Contact: Fax:

Email Address:

Street City State Zip

Mailing Address

Physical Address

(if different)

Type of Entity: Corporation ( S-Corp, C-Corp, LLC)

Sole Proprietorship

General Partnership

Limited Partnership

Number of Employees Existing:

After this funding:

Affiliated Companies?

Date Established: Date Incorporated: State of Incorporation: Employer Tax I.D.:

OWNERSHIP OF APPLICANT COMPANY -

List below all owners, partners, and stockholders with 20% or more ownership interest.

Name: Title: Home Address: City, State, Zip:

% of Ownership: Email Address:

Social Security #: DOB: Home Phone: Cell Phone: Applicants must provide a clear copy of either: a driver’s license, passport, military I.D., or Alien registration. Please indicate below the form of I.D. that you are attaching to this application.

Date of Issue Form of I.D. Place of Issuance

Expiration Date

Name: Title: Home Address: City, State, Zip:

% of Ownership: Email Address:

Social Security #: DOB: Home Phone: Cell Phone: Applicants must provide a clear copy of either: a driver’s license, passport, military I.D., or Alien registration. Please indicate below the form of I.D. that you are attaching to this application.

Date of Issue Form of I.D. Place of Issuance

Expiration Date Name:

Title: Home Address: City, State, Zip:

% of Ownership: Email Address:

Social Security #: DOB: Home Phone: Cell Phone: Applicants must provide a clear copy of either: a driver’s license, passport, military I.D., or Alien registration. Please indicate below the form of I.D. that you are attaching to this application.

Date of Issue Form of I.D. Place of Issuance

Expiration Date

Name: Title: Home Address: City, State, Zip:

% of Ownership: Email Address:

Social Security #: DOB: Home Phone: Cell Phone: Applicants must provide a clear copy of either: a driver’s license, passport, military I.D., or Alien registration. Please indicate below the form of I.D. that you are attaching to this application.

Date of Issue Form of I.D. Place of Issuance

Expiration Date

(If there are additional owners, please attach on separate sheet)

BANK REFERENCE (Business or Personal) SUPPLIER REFERENCE

Bank Name: Company Name:

Contact: Contact:

Address: Address:

City, State, Zip: City, State, Zip:

Phone #: Phone #:

MAJOR CREDITORS (FINANCE COMPANY VENDORS ETC.)

Name: Name:

Address: Address:

City, State, Zip: City, State, Zip:

Phone #: Phone #:

Contact: Contact:

Type of Credit: Est: Type of Credit: Est:

Current Balance: Monthly Pmt.: Current Balance: Monthly Pmt.:

BACKGROUND AND HISTORY OF PRINCIPALS AND COMPANY:

NATURE OF BUSINESS, TYPES OF PRODUCTS & SERVICE:

MAJOR CUSTOMERS:

PRIMARY COMPETITORS:

HOW WILL THIS LOAN BENEFIT YOUR COMPANY?

CURRENT AND PREVIOUS SBA AND OTHER GOVERNMENT DEBT

Complete the chart below if you, your business, any principal of your business, any affiliate of your business, any other

business currently owned by a principal, or any business previously owned by you or a principal of your business has

received or applied for any direct or guaranteed financial assistance from the Federal Government, including student

loans and disaster loans. All current, previous, and pending Government debt must be listed, including loans that have

been paid in full or those that resulted in a loss to the Government. (Note: Loans that resulted in a loss to the Government

include loans that were charged off, compromised, or discharged as a result of bankruptcy. The amount of the loss is the

outstanding principal balance of the loan that the Government had to write off after all collection activities (including

compromise) were finalized.)

Name of Agency

Borrower’s Name

Original Amount of Loan

Date of Application

Loan Status Outstanding Balance

Amount of Loss to the Gov’t Agency Loan #

$ $ $

#

$ $ $

#

$ $ $

#

INFORMATION: Federal law under the USA Patriot Act requires us to obtain sufficient information to verify your

identity, You may be asked several questions and to provide one or more forms of identification to fulfill this

requirement. In some instances we may use outside sources to confirm this information. The information you

provide is protected by our PRIVACY POLICY AND FEDERAL LAW.

Signature : Date:

Principal/Borrower: Business Name:

ESTIMATED PROJECT COSTS (“Uses of Proceeds”)

Land Acquisition/New Building Construction: $

Land And Building Acquisition: $

Building Improvements/Repairs: $

Acquisition of Machinery/Equipment: $

Acquisition of Furniture/Fixtures: $

Inventory Purchase: $

Working Capital (including accounts payable): $

Acquisition of an existing business: $

Debt Refinance: ( ) $

Franchise Fee(s): ( ) $

Estimated Closing Costs and Other Fees: ( ) $

TOTAL ESTIMATED PROJECT AMOUNT: $

LESS DOWN PAYMENT FROM BORROWER: (subtract) $

TOTAL LOAN REQUESTED FOR PROJECT: $

NOTES/COMMENTS ON ESTIMATED PROJECT COSTS:

PERSONAL FINANCIAL STATEMENT

For the purpose of procuring and establishing credit from time to time with you, each of the undersigned furnish the following as a true and accurate statement of the financial condition of the undersigned AS OF (DATE).

If married, you may apply for credit with or without your spouse’s signature. Your community property will be responsible for the obligation whether or not your spouse signs unless you apply for separate credit.

Both Husband and Wife should initial if applicable: WE INTEND TO APPLY FOR JOINT CREDIT. _____ _____ (INITIALS)

ASSETS LIABILITES

Cash Accounts and Bills Payable

Accounts Receivable Short Term Notes Payable - Banks

Notes Receivable-Current Short Term Notes Payable - Other

Marketable Securities (Provide detail in the Schedule of Stocks and Bonds.)

Credit and other charge cards payable Due to Relatives and/or Friends Other Current Assets (describe*) Other Current Liabilities (describe*)

TOTAL CURRENT ASSETS $ Taxes payable

Automobile(s):yr., make, model Year: Make: Model:

TOTAL CURRENT LIABILITIES $

Stocks & Bonds Not Listed on Exchanges, Partnerships

& LLCs (describe*)

Mortgages or Other Liens on Real Estate (Provide detail in the Schedule of Real Estate)

Real Estate (Provide detail in the Schedule of Real

Estate)

Notes Secured by Personal Property (show current portion in other current liabilities)

Due from Relatives and/or Friends Other Non-current Liabilities (describe*)

Notes Receivable-Long Term TOTAL LIABILITIES $

Other Assets (describe*) TOTAL NET WORTH $

TOTAL ASSETS $ TOTAL LIABILITIES & NET WORTH $

DISCLOSURES:

Are any of the above listed assets or liabilities held in Joint Tenancy, Tenancy in Common, or in a Trust? Yes No If yes, please provide details:

Married persons: Please identify any separate property assets and liabilities:

PERSONAL INFORMATION

Date of Birth: Do you have a will? Yes No Have you established a trust? Yes No Married Unmarried Separated Spouse’s name, if married:

^{Date of}

Birth

Have you ever failed in business or compromised debts with your creditors? Yes No Have you ever filed bankruptcy? Yes No

Are any of your assets pledged, or in any other manner unavailable for paying debts? Yes No

Are you contingently liable (for example as a co-signor or guarantor) for any debts of another person or entity? Yes No

Are there any lawsuits, judgments, etc. against you? Yes No Are you delinquent on any of your obligations? Yes No

*DESCRIPTIONS & EXPLANATION(S): Please describe specified assets and liabilities and/or explain any Yes answer(s) above: Please attach additional sheets as necessary.

Citizenship: U.S. Other If other, provide

nationality and explain residency status:

CDL or other govt. issued ID#: Expires: or Passport#: ^Expires:

PERSONAL FINANCIAL STATEMENT CONTINUED

ANNUAL INCOME AND EXPENSE FOR PERIOD FROM: TO:

Annual Income Annual Expenses

Salary $ Interest $

Rentals Taxes & Assessments

Dividends Upkeep on Real Estate

Interest Income Payments on Mortgages & Notes

Other Income (You do not need to include income from alimony and child support unless you want the Bank to consider it for the purpose of this application for credit.) Explain below.

Rent

Personal Living Expenses

Other Expenses

Total Income: $ Total Expenses $

SCHEDULE OF STOCKS AND BONDS

No. of Shares Description Issued in the Name of Exchange Market Value

Total: $ $

Are you aware of any restrictions on the transfer or sale of the above securities? Yes No If yes, provide details: Please provide additional sheet(s) as necessary͘

SCHEDULE OF REAL ESTATE

Address Title

Vested in Name of

Description Date Purchased Purchase

Price

Market Value

Unpaid Balance

Monthly Payment

Total $

Please provide additional sheet(s) as necessary͘ EMPLOYMENT

Employer’s Name Job Title/Description of Duties

Employer’s Address: Employer’s Phone #: Employed Since

PERSONAL REFERENCES (please provide two, non-relatives)

Name Address Phone # Relationship

Representations and Warranties: This financial statement is provided to Pacific Enterprise Bank (“Bank”) for its review of my/our creditworthiness, and Bank can rely on its contents. I/We hereby warrant to Bank that this financial statement is complete and correct as of the date prepared and fairly represents my/our financial condition and that I/We will promptly inform Bank of any material changes in the information provided, including transfer of any assets into a trust. I/We authorize Bank, and other companies, financial institutions and networks which Bank may engage to provide my/our loan, to make whatever inquiries about me/us Bank deems necessary and appropriate for the purpose of evaluating my/our credit and reverifying my/our credit from time to time, including obtaining credit bureau reports and contacting my/our employer(s). I/We also authorize Bank to provide credit information about its credit experience with me/us to other creditors and credit reporting agencies.

SIGNATURES Spouse’s signature required only if you and your spouse are or will be jointly obligated on credit extended by Pacific Enterprise Bank. Signature:

X:________________________________________ SS#:

Spouse’s Signature:

X:________________________________________

Spouse SS#:

Address: Address:

Date Signed:

Home phone#: Date Signed:

Home phone#:

Work phone#: Work phone#:

Cell phone#: Cell phone#:

EXPLANATION(s) (cont’d): Please provide details and/or explain any Yes answer(s) above:

MANAGEMENT RESUME

Please fill-in all spaces. If an item is not applicable, please indicate as such.

You may include additional relevant information on a separate exhibit. SIGN/DATE where indicated.

PERSONAL INFORMATION

Name: Social Security #:

Date of Birth: Place of Birth:

Residence Telephone: Business Telephone:

Residence Address: From: To:

Previous Address: From: To:

Spouse’s Name: Spouse Social Security #:

Are you employed by the U.S. Government? Yes No Agency/Position:

Are you a U.S. citizen? Yes No If no, give alien registration number:

EDUCATION

College or Technical

Training Name ^Location Dates Attended Major Degree/Certificate

From: To:

From: To:

From: To:

MILITARY SERVICE BACKGROUND

Branch of Service: Dates of Service: From: To:

WORK EXPERIENCE:

LIST CHRONOLOGICALLY WITH PRESENT EMPLOYMENT.

Company Name:

Address:

From: To:

Title/Position:

Duties:

Company Name:

Address:

From: To:

Title/Position:

Duties:

Company Name:

Address:

From: To:

Title/Position:

Duties:

Signature : Date:

Principal/Borrower: Business Name:

ANNUAL FAMILY BUDGET (LIVING EXPENSE NEED/DRAW)

Income

Officer’s Salary/Owner’s Draw $

Spouse Salary $

Rental Income $

Other: $

Other: $

TOTAL ANNUAL INCOME $

Expenses

Mortgage Payment (all owned properties) $

Property Taxes (all owned properties) $

Other Term Debts $

Installment Accounts (credit cards) $

Auto Loan $

Auto Expenses (gas, maintenance, etc.) $

INSURANCE

Medical $

Dental $

Life $

Auto $

Food $

Clothing $

Utilities (telephone, gas, electric, water, trash) $

Income Tax (Federal & State) $

Other: $

Miscellaneous: $

TOTAL ANNUAL EXPENSES $

DISPOSABLE INCOME $

CONSENT BY BUSINESS PRINCIPAL TO OBTAIN CONSUMER CREDIT REPORT

In connection with an application for credit by (“Company”) to Pacific Enterprise Bank (“Bank”) and any subsequent financial products or services Bank may offer Company, I consent to Bank obtaining one or more consumer credit reports on me from time to time. Bank may also investigate my background, income, credit or credit worthiness, assets or other matters as it reasonably deems necessary or appropriate. I/We further authorize Pacific Enterprise Bank to release such information to any entity they deem necessary for any purpose related to our credit transaction with them.

I/We hereby certify that the above information is valid and correct to the best of my knowledge.

Signature : Date:

Print Name: Social Security Number:

Signature : Date:

Print Name: Social Security Number:

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OMB No. 1545- 1872

United States of America

SMALL BUSINESS ADMINISTRATION

STATEMENT OF PERSONAL HISTORY

assessment of program eligibility. Please reference SBA Regulations and Standard Operating Procedures if you have any questions about who must submit this form and where to submit it. For further information, please call SBA's Answer Desk at 1-800-U-ASK-SBA (1-800-827-5722), or check SBA's website at www.sba.gov. DO NOT SEND COMPLETED FORMS TO OMB as this will delay the processing of your application; send forms to the address provided by your lender or SBA representative.

Name and Address of Applicant (Firm Name)(Street, City, State, and ZIP Code) SBA District/Disaster Area Office

Amount Applied for (when applicable) File No. (if known)

1. Personal Statement of: (State name in full, if no middle name, state (NMN), or if initial only, indicate initial.) List all former names used, and dates each name was used. Use separate sheet if necessary.

First Middle Last

2. Give the percentage of ownership or stock owned or to be owned in the small business or the development company

Social Security No.

3. Date of Birth (Month, day, and year)

4. Place of Birth: (City & State or Foreign Country)

Name and Address of participating lender or surety co. (when applicable and known) 5. U.S. Citizen? YES NO INITIALS: If No, are you a Lawful _{YES NO}

Permanent resident alien:

If non- U.S. citizen provide alien registration number:

6. Present residence address: Most recent prior address (omit if over 10 years ago):

From: From:

To: _To:

Address: _Address:

Home Telephone No. (Include Area Code): Business Telephone No. (Include Area Code):

PLEASE SEE REVERSE SIDE FOR EXPLANATION REGARDING DISCLOSURE OF INFORMATION AND THE USES OF SUCH INFORMATION. YOU MUST INITIAL YOUR RESPONSES TO QUESTIONS 5,7,8 AND 9.

IF YOU ANSWER "YES" TO 7, 8, OR 9, FURNISH DETAILS ON A SEPARATE SHEET. INCLUDE DATES, LOCATION, FINES, SENTENCES, WHETHER MISDEMEANOR OR FELONY, DATES OF PAROLE/PROBATION, UNPAID FINES OR PENALTIES, NAME(S) UNDER WHICH CHARGED, AND ANY OTHER PERTINENT INFORMATION. AN ARREST OR CONVICTION RECORD WILL NOT NECESSARILY DISQUALIFY YOU; HOWEVER, AN UNTRUTHFUL ANSWER WILL CAUSE YOUR APPLICATION TO BE DENIED AND SUBJECT YOU TO OTHER PENALTIES AS NOTED BELOW.

7. Are you presently subject to an indictment, criminal information, arraignment, or other means by which formal criminal charges are brought in any jurisdiction?

Yes No _INITIALS:

8. Have you been arrested in the past six months for any criminal offense?

Yes No INITIALS:

9. For any criminal offense – other than a minor vehicle violation – have you ever: 1) been convicted; 2) plead guilty; 3) plead nolo contendere; 4) been placed on pretrial diversion; or 5) been placed on any form of parole or probation (including probation before judgment).

Yes No INITIALS:

10. I authorize the Small Business Administration Office of Inspector General to request criminal record information about me from criminal justice agencies for the purpose of determining my eligibility for programs authorized by the Small Business Act, and the Small Business Investment Act.

CAUTION - PENALTIES FOR FALSE STATEMENTS: Knowingly making a false statement on this form is a violation of Federal law and could result in criminal prosecution, significant civil penalties, and a denial of your loan, surety bond, or other program participation. A false statement is punishable under 18 USC 1001 and 3571 by imprisonment of not more than five years and/or a fine of up to $250,000; under 15 USC 645 by imprisonment of not more than two years and/or a fine of not more than $5,000; and, if submitted to a Federally insured institution, under 18 USC 1014 by imprisonment of not more than thirty years and/or a fine of not more than $1,000,000.

Signature Title Date

Agency Use Only

11. Fingerprints Waived ^12. Cleared for Processing _Date Approving Authority

Date Approving Authority

13. Request a Character Evaluation

Fingerprints Required Date Approving Authority

Date Approving Authority

Date Sent to OIG (Required whenever 7, 8 or 9 are answered "yes" even if cleared for processing.)

PLEASE NOTE: The estimated burden for completing this form is 15 minutes per response. You are not required to respond to any collection of information unless it displays a currently valid OMB approval number. Comments on the burden should be sent to U.S. Small Business Administration, Chief, AIB, 409 3rd St., S.W.,Washington D.C. 20416 and Desk Officer for the Small Business Administration, Office of Management and Budget, New Executive Office Building, Room 10202, Washington, D.C. 20503. OMB Approval 3245-0178.

The following is a brief summary of the laws applicable to this solicitation of information.

Paperwork Reduction Act (44 U.S.C. Chapter 35)

SBA is collecting the information on this form to make a character and credit eligibility decision to fund or deny you

a loan or other form of assistance. The information is required in order for SBA to have sufficient information to

determine whether to provide you with the requested assistance. The information collected may be checked

against criminal history indices of the Federal Bureau of Investigation.

Privacy Act (5 U.S.C. § 552a)

Any person can request to see or get copies of any personal information that SBA has in his or her file, when that

file is retrieved by individual identifiers, such as name or social security numbers. Requests for information about

another party may be denied unless SBA has the written permission of the individual to release the information to

the requestor or unless the information is subject to disclosure under the Freedom of Information Act.

Under the provisions of the Privacy Act, you are not required to provide your social security number. Failure to

provide your social security number may not affect any right, benefit or privilege to which you are entitled.

Disclosures of name and other personal identifiers are, however, required for a benefit, as SBA requires an

individual seeking assistance from SBA to provide it with sufficient information for it to make a character

determination. In determining whether an individual is of good character, SBA considers the person's integrity,

candor, and disposition toward criminal actions. In making loans pursuant to section 7(a)(6) the Small Business

Act (the Act), 15 USC § 636 (a)(6), SBA is required to have reasonable assurance that the loan is of sound value

and will be repaid or that it is in the best interest of the Government to grant the assistance requested.

Additionally, SBA is specifically authorized to verify your criminal history, or lack thereof, pursuant to section

7(a)(1)(B), 15 USC § 636(a)(1)(B). Further, for all forms of assistance, SBA is authorized to make all

investigations necessary to ensure that a person has not engaged in acts that violate or will violate the Act or the

Small Business Investment Act,15 USC §§ 634(b)(11) and 687b(a). For these purposes, you are asked to

voluntarily provide your social security number to assist SBA in making a character determination and to

distinguish you from other individuals with the same or similar name or other personal identifier.

When the information collected on this form indicates a violation or potential violation of law, whether civil,

criminal, or administrative in nature, SBA may refer it to the appropriate agency, whether Federal, State, local, or

foreign, charged with responsibility for or otherwise involved in investigation, prosecution, enforcement or

prevention of such violations. See 74 Fed. Reg. 14890 (2009) for other published routine uses.

BUSINESS DEBT SCHEDULE

Company Name Date

Indebtedness. Furnish the following information on all installment debts, contracts, notes, and mortgages payable. Indicate with an asterisk (*) items to be paid by loan proceeds and reason for paying same. Do not include accounts payable or accrued liabilities.

ACCOUNT NUMBER AND TO WHOM

PAYABLE

ORIGINAL AMOUNT

ORIGINAL DATE

BALANCE DUE

INTEREST RATE

MAUTRITY DATE

MONTHLY PAYMENT

SECURITY (How were proceeds used)

STATUS

Signature : Date:

Print Name:

PROJECTED OPERATING STATEMENT

Year Name of Business

MONTH 1 2 3 4 5 6 7 8 9 10 11 12 TOTAL

Sales: Cash Credit Total Sales Cost of Sales Gross Profit Officer Salary(s) Wages Rent- Property Rent- Equipment Auto/ Truck Expense Office Supplies Advertising Telephone & Utilities Bad Debts Taxes/ Licenses Depreciation Repairs/ Maintenance Accounting/ Legal Interest SBA Interest- Other Insurance (all) Office Expenses Royalties Miscellaneous Other

Total Expenses Net Profit

Please provide an explanation of the assumptions used to forecast the next 12 months of projections. For existing businesses, provide a detailed explanation of any differences to historical income, COGS, expenses and withdrawals.

Pacific Enterprise Bank, 17748 Skypark Circle, Suite 100, Irvine, CA 92614

IMPORTANT DISCLOSURE INFORMATION

USA Patriot Act

IMPORTANT ACCOUNT OPENING INFORMATION: Federal law under the USA Patriot Act requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms of identification to fulfill this requirement. In some instances we may use outside sources to confirm the information. The information you provide is protected by our PRIVACY POLICY AND FEDERAL LAW

EQUAL CREDIT OPPORTUNITY ACT (ECOA) NOTICE

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, martial 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 credit is: Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480, toll-free number: (888) 851–1920, fax number: (877) 888–2520, TDD number: (877) 766–8533.

NOTICE OF THE RIGHT TO REQUEST SPECIFIC REASONS FOR CREDIT DENIAL

You have the right to a written statement of reasons we were unable to approve your application. You have 60 days from the date of our notification to you of adverse action to make a written request for a statement of the reasons. If you would like a statement of specific reasons why your application was denied, please contact Russell J. Smith, our Chief Credit Officer at the address provided. We will provide you with the statement of reasons within 30 days after receiving your request. If you have any questions regarding this notice, you should contact us at Pacific Enterprise Bank, 17748 Skypark Circle, Suite 100, Irvine, CA 92614 - Attn: Russell J. Smith, Chief Credit Officer, Phone: (949) 623-7593.

NOTICE TO APPLICANT OF RIGHT TO RECEIVE COPY OF APPRAISAL for Loans Secured by a First-Lien on Residential Real Property: 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.

CALIFORNIA NOTICE TO APPLICANT OF RIGHT TO RECEIVE COPY OF APPRAISAL for Loans Secured by a Subordinate Lien on Residential Real Property: You have the right under Section 11423 of the California Business and Professional Code to a copy of the appraisal we obtained in support of your application for credit, provided that you have paid for the appraisal. If you would like a copy, please write to us at Pacific Enterprise Bank, 17748 Skypark Circle, Suite 100, Irvine, CA 92614 - Attn: Russell J. Smith, Chief Credit Officer. We must hear from you no later than 90 days after we notify you about the action taken on your credit application or send you a notice of incomplete application. If you withdraw your application, you must make your written request for a copy of the appraisal within 90 days of the withdrawal. If you request a copy of your appraisal, and you have paid for the cost of the appraisal, we will send you a copy to the address shown on your loan application.

CALIFORNIA NOTICE TO APPLICANT OF RIGHT TO RECEIVE COPY OF APPRAISAL for Non Residential Real Property: You have a right under Section 11423 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 and the cost of duplicating the appraisal. In order to obtain a copy of your appraisal, write to us at Pacific Enterprise Bank, 17748 Skypark Circle, Suite 100, Irvine, CA 92614 - Attn: Russell J. Smith, Chief Credit Officer. We must hear from you no later than 90 days after we notify you about the action taken on your credit application, including notice of an incomplete application. If you withdraw your application, you must make your request for an appraisal report within 90 days of the withdrawal. If you request a copy of your appraisal report, and you have paid for the costs of the appraisal, we will send you a copy at the address shown on your loan application. You are only entitled to receive a copy of the appraisal report for purposes of evaluating your pending request for an extension of credit with this bank.

HOME MORTGAGE DISCLOSURE ACT NOTICE: The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at Pacific Enterprise Bank, 17748 Skypark Circle, Suite 100, Irvine CA 92614 regarding the locations where HMDA data may be inspected. To receive a copy of this data send a written request to this same address Attn: Russell J. Smith, Chief Credit Officer.

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