EFTA00186335

## Key Policy Exceptions



Credit History





Debt-to-Income Ratio



Debt Service Ratio

X Financial Statement/Application/Tax Returns ___ Constr. Loan Ratios

___ Appropriate Terms/Amortization

Loan Officer Initials

Policy Exceptions must be explained in the POLICY EXCEPTIONS paragraph of the Loan Presentation Write-Up.

<table border="1"><tr><td>DEBT RANGE: (CREDIT LINES)</td><td>2000-2001</td><td>1999-200</td><td>1998-1999</td></tr><tr><td>MAXIMUM</td><td></td><td></td><td></td></tr><tr><td>MINIMUM</td><td></td><td></td><td></td></tr><tr><td>DAYS OUT OF DEBT:</td><td></td><td></td><td></td></tr></table>

<table border="1"><tr><td rowspan="2">ACCOUNT TYPE</td><td colspan="2">DIRECT</td><td colspan="2">RELATED</td><td>TOTAL</td></tr><tr><td>Avg. Collec</td><td>Lend. Bal.</td><td>Avg. Collec</td><td>Lend. Bal.</td><td>Avg. Collected</td></tr><tr><td>DDA</td><td>0</td><td>0</td><td>0</td><td>0</td><td>0</td></tr><tr><td>Money Market</td><td>0</td><td>0</td><td>0</td><td>0</td><td>0</td></tr><tr><td>Time</td><td>0</td><td>0</td><td>0</td><td>0</td><td>0</td></tr><tr><td>Savings</td><td>0</td><td>0</td><td>0</td><td>0</td><td>0</td></tr><tr><td>Total</td><td>0</td><td>0</td><td>0</td><td>0</td><td>0</td></tr></table>

## Profitability Average ( Months) $

## SUMMARY OF BANKING RELATIONSHIP: (date opened, account numbers, related accounts, etc.)

<table class="table table-bordered"><thead><tr><th>ACCT#</th><th>DATE OPENED</th><th>ALB</th></tr></thead><tbody><tr><td rowspan="6"></td><td>Mar-91</td><td>$ 5,512</td></tr><tr><td>Mar-91</td><td>$ 87,143</td></tr><tr><td>Jan-94</td><td>########$1,184,060</td></tr><tr><td>Oct-97</td><td>$ 4,866</td></tr><tr><td>Jan-01</td><td>$ 54,533</td></tr><tr><td>Aug-99</td><td>$ 113,800</td></tr></tbody></table>

<table border="1"><tr><td colspan="5">FEES</td></tr><tr><td></td><td>PAID</td><td></td><td>LOAN</td><td></td></tr><tr><td></td><td>IN CASH</td><td>FINANCE</td><td>PROCEED</td><td>OTHER:</td></tr><tr><td>LOAN FEE</td><td></td><td></td><td></td><td></td></tr><tr><td>DOC STAMPS</td><td></td><td></td><td></td><td></td></tr><tr><td>UNTANGIBLE TAX</td><td></td><td></td><td></td><td></td></tr><tr><td>LEN FEES</td><td></td><td></td><td></td><td></td></tr><tr><td>UCC FILINGS</td><td></td><td></td><td></td><td></td></tr><tr><td>INTEREST</td><td></td><td></td><td></td><td></td></tr><tr><td>OTHER:</td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td></tr><tr><td colspan="5">SIGNERS &amp; TITLE:</td></tr><tr><td colspan="5"></td></tr><tr><td colspan="5">CHECK # ACCT #</td></tr><tr><td colspan="5">WIRE</td></tr><tr><td colspan="5">OTHER:</td></tr><tr><td colspan="5">PAYMENT METHOD: COUPON BILLING X AUTO CHARGE</td></tr><tr><td colspan="5">LOAN DATE: TBD FIRST PAYMENT DATE: Standard</td></tr><tr><td colspan="5">DATE DOCUMENTS NEEDED: TBD ACA/</td></tr></table>