COMMERCIAL LOAN APPLICATION PACKAGE - Nbt.bank

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Member FDICCOMMERCIAL LOANAPPLICATION PACKAGEFort WorthMid-CitiesBurlesonAzle2535 N.E. 28th Street2080 Precinct Line Road400 E. Renfro Street405 Commerce StreetFort Worth, TX 76106Hurst, TX 76054Burleson, TX 76028Azle, TX 235

ITEMS NEEDEDCommercial Loan Application (must be signed by all authorized borrowers and guarantors)3 Years Tax Returns on business3 Year-End Business Financials (Balance Sheet & Income Statement)Year-To-Date Business Financials (Balance Sheet & Income Statement)Accounts Receivable AgingAccounts Payable AgingInventory/Equipment/Machinery Listing3 Months Checking Account Statements from current bankPhoto ID of all authorized borrowers and guarantorsPersonal Financial Statement on all authorized borrowers and guarantors3 Years Personal Tax Returns on all authorized borrowers and guarantorsSole ProprietorsDoing Business As (DBA) registration with County/CountiesProof of SSN or Employment Identification Number (EIN)Limited Liability Company (LLC)Certificate of Formation filed with the State of TexasArticles of Organization including any amendments filed with the State of TexasOperating AgreementMeeting Minutes (if applicable)Doing Business As (DBA) registration with State of Texas (if applicable)Doing Business As (DBA) registration with County/Counties (if applicable)Proof of Employment Identification Number (EIN)CorporationCertificate of Formation filed with the State of TexasArticles of Incorporation including any amendments filed with the State of TexasBy-LawsIf multiple owners – Corporate Resolution (if granting select person(s) to transmit financial businessfor the company in general or to open and control accounts specifically)Meeting Minutes (if applicable)Doing Business As (DBA) registration with State of Texas (if applicable)Doing Business As (DBA) registration with County/Counties (if applicable)Proof of Employment Identification Number (EIN)PartnershipsGeneral Partnerships:Written Partnership AgreementJoint Venture AgreementLimited Partnership, Limited Liability Limited Partnerships:Partnership AgreementCertificate of LP/LLLP filed with the State of TexasAmendments to Partnership Agreement or Joint Venture Agreement (if applicable)Meeting Minutes listing the current General PartnersIf one of the General Partners is another business, an authorizing representative of that businessmust acknowledge authorization and provide needed business documentationProof of Employment Identification Number (EIN)Revised: JJanuary 2020The National Bank of Texas NMLS #712108

Commercial Loan ApplicationBUSINESS PROFILEBusiness Name:TIN#/EIN#:Doing Business As (if applicable):State of Organization:Business Physical Address:Business Mailing al PartnershipTrustOther:Nature Of Business:Year Business Established:Current Owner Since:# Of Locations:# Of Employees:Primary Contact:Phone:Fax:Email:Website:Gross Revenues For Prior Fiscal Year: 20 Net Profit For Prior Fiscal Year: 20Do You Currently Have A Banking Relationship With NBT?No Yes:How Were You Referred To NBT?LOAN REQUESTAmount Requested: Type of Credit:Months To Repay or Payments Requested:Installment LoanPrimary Use/Purpose:Line of CreditCommercial MortgageLetter of CreditPurchase EquipmentPurchase InventoryBusiness Property ImprovementsPurchase VehicleDebt RestructuringReal Estate AcquisitionWorking CapitalAccount ReceivablesReal Estate ConstructionOther:Source Of Repayment:Collateral Available To The National Bank Of Texas (Including Assets To Be Acquired With Proceeds)Vehicles/TrailersMarket Value Acct ReceivableMarket Value EquipmentMarket Value Real EstateMarket Value InventoryMarket Value Securities/CD/AcctsMarket Value MachineryMarket Value OtherMarket Value Are You Applying For Credit From Any Other Source?NoYes - Where?PRINCIPALOWNERS (25% or more owner/member)Name:Title:Ownership %:Address:Date of Birth:SSN#:Email:Phone #:Are you a US Citizen? Yes: No: If NO, what country are you a Citizen of:Do you work for a foreign consultant or are you a relative of someone who works for or is a figure of a foreign Government?YES: NO:Revised: January 2020The National Bank of Texas NMLS #712108Page 3

Commercial Loan ApplicationName:Title:Ownership %:Address:Date of Birth:SSN#:Email:Phone #:Are you a US Citizen? Yes: No: If NO, what country are you a Citizen of:Do you work for a foreign consultant or are you a relative of someone who works for or is a figure of a foreign Government?YES: NO:BANK REFERENCESDeposits:Name Of Financial InstitutionLocationType Of AccountAcct NumberBalance Loans:Name Of Financial InstitutionContact NamePhone NumberBalance BUSINESS REFERENCESBusiness NameName Of ContactAddressPhone NumberADDITIONAL INFORMATION123456789Is the business for sale or under agreement that would change the ownership of the business?Is the business or guarantor involved in any claim or lawsuit?Has the business or guarantor ever been declared bankrupt or had a judgment against it?Are there any taxes not currently paid or in dispute?Is the business liable for any guaranties, commitments, or other contingency agreements?Does the business have a controlling interest in other businesses?If yes, please provide names & relationships:Is any collateral offered to NBT currently pledged to other creditors?If yes, please explain:I’m interested in having monthly loan payments automatically deducted from checking account NBT Account Number(s):Other Bank Name:Other Bank Account Number(s):Are you a Marijuana-related business?Marijuana-related business are divided into two categories; directly related and indirectly related.Directly related businesses include growers and providers/dispensaries. Indirectly relatedbusinesses provide goods or services to growers/providers (e.g., a commercial landlord thatleases property to marijuana-related businesses or a business that sell supplies to a provider.)Further, I agree to notify this bank in writing immediately if any of our accounts are used inconjunction with such activities in the future.Revised: January 2020The National Bank of Texas NMLS #712108 YESYESYESYESYESYESNONONONO NO NOYESNOYESNOYESNOPage 4

Commercial Loan Application10Are you a sexually oriented business?A sexually oriented business is defined as a business that is part of the sex industry, such as sitesof erotic performance and erotic paraphernalia stores. Further, I agree to notify this bank inwriting immediately if any of our accounts are used in conjunction with such activities in the future.YESNODISCLOSURE AND SIGNATURESThe undersigned certifies that all statements in this Application and on each document required to be submitted in connection herewith, including federal income taxreturns, are true, correct and complete. The undersigned authorizes The National Bank of Texas (“Bank”) to make such inquiries and gather such information as the Bankdeems necessary and reasonable concerning any information provided to the Bank on this Application or on any such required do comment, including inquiries to the InternalRevenue Service, and any Credit Bureau Reporting Agencies. The undersigned further agrees to notify the Bank promptly of any material change in any such inform action.You agree that we can retain this application whether or not it is approved. Any willful misrepresentation on this applica tion could result in a fine and/or imprisonmentunder provisions of the US Criminal code. We may report information about your account to credit bureaus; late payments, missed payments, or other defaults on youraccount may be reflected in your credit report.JOINT CREDIT – We Intend To Apply For Joint Credit (initials):Authorized Signature:Printed Name:Authorized Signature:Date:BANK USEPrinted Name:Date:APPROVEDReason For Denial, Comments Or Counteroffer (Describe In Detail)DECLINEDCOUNTEROFFERDate Application TakenDate Action TakenOfficer SignatureRevised: January 2020The National Bank of Texas NMLS #712108Page 5

Commercial Loan ApplicationContinuation For Additional Principal OwnersADDITIONAL PRINCIPAL OWNERS AND/OR GUARANTORSName:Title:Ownership %:Address:Date of Birth:SSN#:Email:Phone #:Are you a US Citizen? Yes: No: If NO, what country are you a Citizen of:Do you work for a foreign consultant or are you a relative of someone who works for or is a figure of a foreign Government?YES: NO:Name:Title:Ownership %:Address:Date of Birth:SSN#:Email:Phone #:Are you a US Citizen? Yes: No: If NO, what country are you a Citizen of:Do you work for a foreign consultant or are you a relative of someone who works for or is a figure of a foreign Government?YES: NO:Name:Title:Ownership %:Address:Date of Birth:SSN#:Email:Phone #:Are you a US Citizen? Yes: No: If NO, what country are you a Citizen of:Do you work for a foreign consultant or are you a relative of someone who works for or is a figure of a foreign Government?YES: NO:Name:Title:Ownership %:Address:Date of Birth:SSN#:Email:Phone #:Are you a US Citizen? Yes: No: If NO, what country are you a Citizen of:Do you work for a foreign consultant or are you a relative of someone who works for or is a figure of a foreign Government?YES: NO:ADDITIONAL DISCLOSURE AND SIGNATURESThe undersigned certifies that all statements in this Application and on each document required to be submitted in connection herewith, including federal income taxreturns, are true, correct and complete. The undersigned authorizes The National Bank of Texas (“Bank”) to make such inquiri es and gather such information as the Bankdeems necessary and reasonable concerning any information provided to the Bank on this Application or on any such required document, including inquiries to the InternalRevenue Service, and any Credit Bureau Reporting Agencies. The undersigned further agrees to notify the Bank promptly of any material change in any such information.You agree that we can retain this application whether or not it is approved. Any willful misrepresentation on this applicati on could result in a fine and/or imprisonmentunder provisions of the US Criminal code. We may report information about your account to credit bureaus; late payments, missed payments, or other defaults on youraccount may be reflected in your credit report.Autthorized SignAugnatatuure:PrinPrinted Name:Autthorized SignAugnatatuure:Datee:DatAuthorized Signature:Printed Name:Revised: January 2020Printed Name:Date:Authorized Signature:Date:Printed Name:The National Bank of Texas NMLS #712108Date:Page 6

Confidential Financial Statement as ofNAMEPHONE NUMBERDATE OF BIRTHEMPLOYERYEARSNAME OF SPOUSE# DEPENDENTSSOCIAL SECURITY #OCCUPATION POSITIONYEARSDRIVER'S LICENSEBUSINESS ADDRESSPHONE NUMBERHOME ADDRESSASSETSCASH(Schedule 1)In This BankSECURITIES(Schedule 2)MarketableLIABILITIES(OMIT CENTS)MORTGAGESPAYABLE(Schedule 7)HomesteadNOTES PAYABLE(Schedule 6)To This BankTAXESOWINGIncome TaxesIn Other InstitutionsNot Publicly TradedACCOUNTS RECEIVABLENOTES RECEIVABLE (Schedule 3)NET CASH VALUE OF INS. & ANNUITIES (Schedule 4)REALESTATE(Schedule 7)(OMIT CENTS)Other Wholly-Owned R/EPartially Owned R/EOther Notes PayableOther TaxesHomesteadACCOUNTS PAYABLEOther Wholly-Owned R/EESTIMATED CREDIT CARD BALANCEPartial Ownership in R/EOTHER LIABILITIES (Schedule 8)EQUIPMENT & OTHER BUSINESS ASSETSDEFERRED COMP. & RETIREMENT PLANS (Schedule 5)PERSONAL PROPERTY & AUTOMOBILESOTHER ASSETS (Schedule 8)TOTAL LIABILITIESNET WORTH (Assets less Liabilities)TOTAL CONTINGENT LIABILITIES (Schedule 9)TOTAL ASSETSINCOME/EXPENSE INFORMATIONSOURCES OF CASHTHIS YEAR20PROJECTED NEXTYEAR 20USES OF CASHLIVING EXP. & MISC.OTHER BUSINESS INCOMEOTHER:SUBTOTALCOMMISSION, BONUS, ETC.SALE OF ASSETSTAX REFUNDOTHER:EXPENSESOTHER PAYROLL DED.INTEREST & DIVIDENDSRENTAL INCOMETHIS YEAR20PROJECTED NEXTYEAR 20INCOME TAXES & FICACOMMISSION, BONUS, ETC.DEBT SERVICENON-RECURRINGRECURRING(See note 2 on page 4)SALARY & WAGESLAST YEAR20RENTAL EXPENSESOTHER BUSINESS EXP.OTHER:SUBTOTALREG SCHED. PYMTS.OTHER INTERESTOTHER PRINCIPALCONTINGENT LIAB.TOTAL CASH USESTOTAL CASH SOURCESNET CASH FLOWThe above financial and supporting schedules, which are submitted to you (Lender) for the purpose of obtaining credit from you, present a true, complete and correct statement of my financial condition as of the date shown. Iunderstand that misrepresenting information on this statement is a criminal offense under federal law punishable by a fine and/or imprisonment.I will notify you in writing of any material unfavorable change in my financial condition. In the absence of such notice, you may consider this a continuing statement and substantially correct. If I apply for further credit, thisstatement shall have the same force and effect as if delivered as an original statement of my financial condition at the time I request such further credit. You are authorized to contact any appropriate third parties for the purposeof verifying any stated information herein or at any time furnished by me to you, and obtaining credit information at any time from any of my creditors and/or credit reporting agencies. This financial statement and any otherinformation furnished to you shall be your property. You are authorized to answer questions about your credit experience with me.SIGNATUREDATEReviewed 11/30/19

SCHEDULE 1 - DEPOSIT ACCOUNTSSTYLE OF ACCOUNTNAME & LOCATION WHERE HELDTYPE OF ACCOUNTBALANCETOTAL THIS BANKACCOUNT NUMBERRESTRICTED?YES OR NOTOTAL IN OTHER INSTITUTIONSSCHEDULE 2 - STOCKS AND BONDSNAME OF ISSUERWHERE TRADEDMARKET PERSHARESHARESMARKET VALUETOTAL MARKETABLEPLEDGED? YESOR NOCOSTTOTAL NOT TRADEDRESTRICTED*YES OR NOREGISTERED IN THE NAME OF*RESTRICTED MEANS TRADING OF THE SECURITY IS SUBJECT TOLIMITATIONS DUE TO LETTER, LEGEND OR CONTROL.SCHEDULE 3 - NOTES RECEIVABLEDUE TABLEYES OR NOPAYMENT TERMSCOLLATERALTOTAL TO PAGE 1SCHEDULE 4 - LIFE INSURANCE AND ANNUITIES (Including employer provided)COMPANYFACE AMOUNTCASHVALUEBENEFICIARYPOLICYLOANNET CASHVALUEINSUREDPLEDGED YESOR NONET PLANVALUEIN NAME OFACCESSDATETOTAL TO PAGE 1SCHEDULE 5 - DEFERRED COMPENSATION & RETIREMENT PLANS*TRUSTEE OR PLANADMINISTRATORTYPE OFACCOUNTBALANCEVALUEBENEFICIARY*INCLUDES I.R.A. ACCOUNTS, KEOGH, 401(K), FULLY VESTED BENEFIT PLANS, ETCPLANLOANTOTAL TO PAGE 1SCHEDULE 6 - NOTES PAYABLE (Exclude mortgages listed in Schedules 7 & 8)DUE TOORIGINALAMOUNTTOTAL THIS BANKPRESENTBALANCERATEMATURITYTOTAL IN OTHER INSTITUTIONSPAYMENTTERMSCURRENT YESOR NOCOLLATERAL****IF YOU ARE A COMAKER, LIST THE LOAN IN THIS SCHEDULE AND STATE THE BORROWER'SNAME IN THIS COLUMN.Page 2

SCHEDULE 7 - REAL ESTATE#YEARACQUIREDLOCATION, SIZE, IMPROVEMENTSHOMESTEADCOST TURITYRATEANNUAL PAYMENTSANNUAL INCOMEN/ATAX CURRENTYesNo2YesNo3YesNo4YesNo5YesNo1OTHER WHOLLY OWNED REAL ESTATETOTALS TO PAGE 1#PARTIAL OWNERSHIP IN REAL ESTATE%YEARACQUIREDCOST TURITYRATEANNUAL PAYMENTSANNUAL INCOMETAX CURRENT1YesNo2YesNo3YesNo4YesNoYesNo5YOUR PORTION OF MARKET VALUE AND DEBTTOTALS TO PAGE 1REGARDING SCHEDULES 7 AND 8, IF THE AMOUNT OF DEBT WHICH CAN BE LEGALLY ENFORCED AGAINST YOUEXCEEDS YOUR % OWNERSHIP, PLEASE DETAIL IN SCHEDULE 9.SCHEDULE 8 - OTHER ASSETS/LIABILITIES (INCLUDING PARTNERSHIP INTERESTS)TYPE OF ASSET/LIABILITY, LOCATION,DESCRIPTION AND SOURCE OF VALUATION%YEARACQUIREDDATE OFVALUATIONPRESENTVALUATIONRELATED DEBT (MARK "*" BY AMOUNT IF NOT PERSONALLY LIABLE)PRESENT BALANCELIENHOLDERMATURITYRATEANNUAL PAYMENTS12345NET OPERATINGREVENUE*TAX CURRENTYesNoYesNoYesNoYesNoYesNo*NET OPERATING REVENUE AFTER OPERATING EXPENSES.TOTALS TO PAGE 1Page 3

SCHEDULE 9 - CONTINGENT LIABILITIESINSTRUCTIONS: STATE TOTAL AMOUNT BY TYPE OF LIABILITY AND PROVIDE APPROPRIATE DETAIL IN THE SPACE BELOW.1. AS GUARANTOR OR ENDORSOR5. STANDBY LETTER OF CREDIT2. ON LEASES OR CONTRACTS6. LIABILITY IN EXCESS OF % IN PARTIALLY OWNED ASSETS3. LEGAL CLAIMS OR JUDGMENTS7. TAX LIABILITY IF ASSETS SOLD AT STATED VALUES4. INCOME TAX CLAIM OR DISPUTED AMOUNT8. OTHERTYPE#NAME OF PARTY RECEIVING BENEFITOBLIGATION AMOUNTTIMING OF PAYMENTSBUSINESS IN WHICH I AM A PARTNER, OFFICER, PRINCIPAL OWNER, ETC.EXPLANATION INCLUDING WHETHER YOU ANTICIPATEHAVING TO HONOR THIS LIABILITYNATURE OF BUSINESSMATURITY OREXPIRATION DATEBUSINESS' BANK OF ACCOUNTI understand that the following questions are addressed to me and I have answered them as appropriate.YesNo1. Are any of the Assets held in trust, in an estate or in any other name or capacity?YesNo2. Were any of the Assets (i) owned or claimed by your spouse before marriage: or (ii) acquired by your spouse during marriage bygift or inheritances: or (iii) recovered for personal injuries sustained by your spouse during marriage; or (iv) acquired from the proceeds ofliquidation of any of the proceeding?YesNo3. Are any of your real estate properties used by you in your business?YesNo4. Do any of your Assets secure any debts which have not been reported in the preceding schedules?YesNo5. Are you a party to any suit or are there any unsatisfied judgements against you?YesNo6. Have you been through bankruptcy or made an assignment for benefit of creditors?I have explained fully under "Additional Remarks" on this page any "Yes" answers to the foregoing questions.YesNo7. I have made a will; the executor isADDITIONAL REMARKSNOTES:1. Spouse information need not be revealed unless you reside in Texas or other community property state.2. Alimony, child support or separate maintenance income need not be revealed unless you wish to have themconsidered as a basis for repaying the requested credit.Page 4

COMMERCIAL LOAN APPLICATION PACKAGE Fort Worth 2535 N.E. 28th Street Fort Worth, TX 76106 817-625-5511 Burleson 400 E. Renfro Street Burleson, TX 76028 817-426-6268 Mid-Cities 2080 Precinct Line Road Hurst, TX 76054 817-428-9966 Azle 405 Commerce Street Azle, TX 76020 817-444-4235