Exhibit_1_-_Lender_Profile_Assessment.pdf

(c~i)U.S. Small Business Administration Exhibit 1 I "'H'e, Pw'''e A""SSHwnl\~.::I Office of C'UJ,! I~,skMdnaqt"llen! nNIA

Source Data Updated Quarterly et bHn a lied to the Lender Portal Acceptable less than Acceptable lender Rates Numberof

+ 3 Points +5 Points Points .3%.2% <.3% NlA , >0%-6% >6" NlA , >0%-5% >,% #VALUE! INALUEI

>0%-5% >,% NlA , >0%.2% >2% NlA , 7%.18% :> HI% NlA , 94%-100% <,,% NlA , 19%.63% >6:l% #N/A nNlA >0%-4% >4% NlA , 8%-10% <6% NlA , 0.5>2.2 :> 2.2 NlA ,, 4,' NI, , 181-203 < 181 NI' , 0%- 20% <0% NlA , No PNdential Regulator nNlA #N/Aand/or Has Corrective Ac!lon

Total Points #VALUEI

> '"0% 0% 0% 0% <7%

100% <19%

0% >;10%

< 0.5

1,2

:> 203

>20%

HilS Prud R6Qlllator and No CorrectIVe

Action

PARRiS RISK RATES

Performance Metrics

DayReportGenerated: Thursday,January 30, 2014 Lender Reported Data as of BJ31/2013;Cash Flow and Approval Data as of 9/30/2013

- The matrlcs contained In this PARRiS Toof are In fransltlon and have not

Preferred

+ 1 Point

- Missing values for Lender Flaa memes are asslaned # of flaas = 0.5 PARRiS RISK FLAGS No Flag Flail loan AR.ent Rate (Over last 5 Years) <=25% >25% Franchise Rate <"10% >10% Sold on Secondary Market Rate <='75% >75% Industry Concentration Rate <"20% >20% ACQuired loans Rate <=25% >25% # of loans> $2 Million lOver last 12 Months} <-, >, I Lender Flags I # of Flail's o

NJA 0.5

NJA 0.5

NJA 0.5

NJA 0.5

o 0 TotillFlags 2

This mporlls sln( lIy (onll(h"'IlIl.11

Thl. Repolf /$ the property of the U.S. SlJMfIBu./non Admlnlstnuion, Office of Credit RIsk Management. and Is fum/ahed for the confldentilll U$l of the examined entity. Under no circumstJInces sfujli any recipient of this fflport or fg plJfflnt compllny. or lIny ofthelrdirecton, officers, employees, .ttorneY' or lIudlton d/scfCUJe or IJMkepublic thl' fflpoIf or any ponion thefflOf. Unauthoriled disclosure of lIny of the contents of this fflpoIf is .ubject to the penalrJes In 18 USC 641. The Office of Credit RI.k Mlinagermmt mu.t be notified Immediately If the examined entJry receives a .ubpoena or other Ieg., process clllflng for the production of this fflPOrt.

~ u.s. Small Business Administration lender Profile Assessment

"eJ Office of Credit Risk Management #N/A

.N/A #N/A

.N/ALast RBR Assessment

Lender Contact Namel Title

'N/ASlate

'N/A

#NIA

.N/A

FIRStI Lender Address

SSA Region District District Director

OCRM Territory

DayReportGenerated. Monday,January27,2014 )urce DataUpdatedQuarterly orted Data as of8/3112013; Cash Flow and Approval Data as of 9/3012013

Gross Committed 0 -- Approved but not Cancel/8d and not Disbursed

Lender SSA Portfolio

Total SSA Exposure

#NIA

IN/A

o

% Lender Total Assets (SNL Data)

Lender TOlal Loans (SNL Data)

SSA Active Net Loans Balance Dollars I lender Total Loans (SNl Data) Panamant. Stratification (Peer Group) #N/A

#N/A

#N/A 'N/A

Gross Active Balance #NIA

SBA Guaranteed Portion

Current Balance #NIA

Past Due Balance #N/A

Delinquent Balance #N/A

Deferred Balance 'N/A Liquidation Balance #N/A

Stressed Balance .N/A -- Stressed:oNon-Current

Actlve Purchases 0 $

#NIA

fIN/A

#NIA

'N/A #N/A

#NfA

'N/A #N/A

'N/A

.N/A 'N/A #N/A #N/A

#N/A

.N/A

Sold on Secondary Marltat

Acquired portfolios Concentration Rates

FranchIse Top 3 Stales

Regulatory Action

YeslNo

N y

Gross Loans (#1

'N/A o

Gross Loans I$) #N/A

% of Gross Loans $ N/A

#NIA

N/A

.N/A

Fmdmgs and Recommendations

Summary Comments

This report is strictly confidential.

This Report Is the property of fhe U.S. Smal' Business Administration, Office of CredH Rlsic Management, and is furnished for the confidential use of the examined entJry. Under no cIrcumstances shal/any recipient of this report or Hs parent company, or any of their directors, officers, employees, attorneys or auditors disclose or maice public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report Is subject to the penanies in 18 USC 641. The Office of Credit Risk Management must be notified Immediately if the examined entity receives a subpoena or other legal process calling for the production of this report

18\ u.s. Small Business Administration lender Prof,le Assessmenl

"eJ Office of Credit Risk Management #N/A DayReport Generated: Monday, Janulry 21, 2014 Lender Reported DatI IS of 813112013; Cnh Flow Ind Approval Data as of 9f3012013

Performance Source Dala Updated Quarterty

Cumulattve Cuh flow Last 5 years Lencfer P"r Upfront hes IN/A liN!"

Annual FHa INIA IfNIA

Purch.... fNlA 'NfA

Recoven.. 'NIA 'WA Net IINI" ,N/A

Nel % NJA fNJA NIA ••• Nel %. Annualiled Nel Cuh flow tut 5 years/ AnnuIIiRd SBA Gua •.•nl •• of Gross loa" [)(Ilia,. O~r lilt 5 YUrt

Lender SBA Benchmar1o; Portfolio

I Tolal SBA Exposure INJA .,. Total EI(~Llr1J. Gross Committed •. G11»S LO'IIS"

GreIS Loana IINIA .- Grou Loans. Active NtH" Active ~"IUItS ow.

,m.

Key Rales luIS Vut Dtt.ult~" Lui 12 Month O,faull RI~

Lasl12 Month Ch.lrga.otf Rail

Lend.r %

.vALUE!."

IN/A

PM'

IVALUE!.,.

Gron Commlned 0 S

- Gm.t,f comnvtt~. Approve4 but fIOt Cancelled and no( Disburud

Active N.t L~nl BIII~ INIA

SBA GUaBntHd Pomon _. AetJve N« • eurrellf a././lC1I •.Strene-d e.~~

INI'

Groll Active S ••lance ••nd Active Def.ulill by Delivery Method

Currenl Bal,nc. m. •••• IN"

Pllt Due Bellrn:e /liN/A. ''''' IN/A

Delinquent Ballnce IINIA "'" IINIA

Deferred Balence IIN1A '''''A IN/A

Stressed Balance •••• '''''A '''''A _. S/r$ne-d. Pest Dt.HJ .• DeIinqtJent •. Deferred

ActIve Def ••ulb Liquidation 6lI1.nce '''''A •••• ,m' GUlrlIntNd Parfo' SBA LiquidlrioIls OW, Aetive~ses 0 IN" GUv.JntHd Pilrf of SBA Adiw Pureh

Tollli Acli ••• Defaulll INIA IN/A INIA

- Actr>oeDefaults. Loans itl LjqI;iaIblln" Adive Purl;ha$eS

- LjqI;idation % • Liquidation ~fICfJ I (Uquidation BaIa/lC1l •. AetMJ N« Lo.Jns BaIa/lC1lJ

- Ae:tJVePlm:fI.se" • Act Pureil.w 811.ncel(Act Purch.se Bdl'rn:e" Act fWItLOIrIIsBaJlfICfJ)

- Ae/lW Dd'",II" ••Act Def 811.nce/fAci Def BaJ.fICfJ +Act IV« Lo.Jns Bal.nce}

Delivery Method Act! ••• Net Lo.n. Active Def.utt $ II Current $ Pllt Due $ Deferred $ Delinquent $ Balance $ Llquidition $ Active Purch ••• $ Active Oef.ult $ Orou LOinl S % of Gro •• LO,In S

PLP • , $0 • 0.0%

CLP • , • • 0.0%

Other 7(.) • , • • 0.0% SBAE~pren • , • • 00% Pll!nOI E:<pren • , • • 00% Commutllty E:<prell • , • • 0."" R",rallencler Aclvlntlllle • , • • 0,," Sml~ loan Aclvanlage • , • • 0"" Community Adv.nl'lle • , • • "'"Dealer Floor Plan • • • • 0"" SeA low Doc • • • , 0.""

TOTAL • • , , 0.,,"

Penonnance Comments

Performance Section Total Score _

ThiS report is strictly confidential.

This Report ~ the property of the U,S,S~II Buslnue Admlnlnmlon, Office of Credit Risk Manag«nern. arid Is furnished forthe confidentJ.a1use of the examined .ntJry. Und" no c/rcumnllnces shall any reclpl.nt ofth!s ~ort or /g plIrenf c:om~ny, or .ny of !/Ielr d!ra<:ton, offiCI", employees, .rtor'nay¥ or Illdlto" dl,c/rn, or m.k, pllbllc: thll,.."art or arr)' portion thenar. Un.uthorllld d~clrnllra of .fly alth. c:onrenfS of this repolt II lubi-c:t 10 the p.n.ltl •• In 11 USC 641. Th. Offka ofCrtdlt Rqk M'rJ.eg,man, mun be notirted imm,d!.et./y ;flh. ,,,,,,,Inld ,ntlty lKalves. subpoena or oUt" f'g.l proc:ess c:.lllng for !/I, production of !/lis rapwt.

is\ u.s. Small Business Administration Lende, Prof,le Assessment

'eJ Office of Credit Risk Management 'NIA [),ay Report Gener.ted; Monday, J.nwry 27, 201.

Lender Reported Dati •• of 813112013; Cash Flow .lind Approval Dati Ie of 9130/2013

Asset Management Soutte Da~ Updated Cuarterly

Vintage Analysis (by Fiscal Year of Disbursement) Origination Risk (Last 36 months)

Olsbursemenl II of DI.bursed Approvel S lor tiron purchue Ami Gind.r 7(81 Cumuialivi S 01 LOin' Lander Pe.r of OI.burHd Loan. Cumul"lveFllul Year LOin. Dllburnd Loenl

10f GI ••• n FY Purchu. Rale PUn:I'U.MRate High Risk Orlgl""llon "'" N" """ N"

200' .•,. ONI' ONI' """ lO.N EartyProblam "II' N" 'N" "'A 200' ,,",A .•,. .•,. ONI' '''' ElrfyOeI.uJt "II' """ eN'A

"" 'N" 'N" """ ~iA 11.1'll.

2005 'N" 'N" """ ..,. 150,., Servicing Risk

",. ,,",A 'N" """ """ "'" S of Loans l.n~r ""' "" "II' "II' """ 'N" 21.3'" Pulo..- "II' ONI' ONI'

"" ONI' "II' ",," "II' 21.11'10 Delinquency ,,",A ONI' ONI'

"'" .•,. "II' ONI' 'N" iYI~ Delerred .N!A ONI' OW.

"" 'N" ONI' OW. ""'. ~U'lb Slressed 'N" N" OW. "'.

"" ''''A OW. ""'. .•,. ,.. •- Strenoo_ PBs' DIJf! .• ~Jinquen'" Deretred

2012 OW, OW, OW, OW. O .• 'llo

2013 OW, ""'. ,,",A ,,",A 0,1' Projected Pureha •• "II' OW, """ Trends & Behavioral Considerations IDisbul'!led Loans) Resolution Risk

2010 2011 2012 2013 1of Loa"s LAnder Pn, Avg Loan Sin at App,oval '" "'. "" "'. 12 Month P•.•n:n.all ONI' 'W, ONI' Wtlightlld Avg S8PS 0119 Seon """ ONI' ONI' ,,",A Ave,all'e Time of Loans In Uquid .•tion ""'.

'lIo of High Risk Disbunements N" "'A N" N" Ave'age TilTl4l of Loa"s in Actin Pun;n.a•• ..'.

Convenlion .•17tll N" "'. ""

N" Ave"'lJe Tlml of Loans in Actin 0., .••.•" .•,' Dele9atlld N<A ",A N" N<A

• 01 LQ.ilnsOve' 12 M,lIlon

None N~. NM' • 0' Loan. 0 •.• , U MHlion In the PUI Vee, NoFIllg

Assel Management Commenls

Asset Management Total Score _

ThIS report is strictly confidential.

Till. RIpOI1Is rhft~ 01 file V.S. St""" 81,1"1 ••••• " Admlnlsnttoo. Offlce 01 Credit Risk "'aOllgemant. aOOII rumlshed fIX' u.. f:OIIfJdanlialU$e ofm. ."amJned enUly. UndN no f:ln:umsr_ sh,II.,,)' I'Klpi«It of this nporr 0' Its PH'Irt! f:~n)'. 01'.•n)' 0' thel, dltKflU$, ome_, amploY"$. arromeys OJ.•udi!W$ diselo.a or "...U puOlie thJ. nport 0' any portJon th,reoI. Unauthon~ed dlSl:/osun of any 0' the COII'.nq of fills npgrr II 'uOjKf fOfile pena/rie" In "USC $4J. 1'1IeOfflce 01CndiJ Rid M'OlIV_omt must be t>OfifIed~ .•rely "file e"MIlIned enUlyl'Kelves a subpoeN OJoltHH'I~e/ process uiling forme producfion 01mi. rwpoI1..

~ u.s. Small Business Administration LenderPro'i1eAssessmenl

'e Office of Credit Risk Management #NIA Day Report Generated: Monday. January 27,2014 lender Reported Data as of 8/31/2013; Cash Flow and Approval Data as of 9/3012013

Regulatory Compliance Source Data Updated Quarterty

2009 2010 2011 2012 SBA Reporting and Fees ROE NN/A #N/A #NIA #NIA Lender % Preferred Acceptable

ROA 'N/A tiN/A #NIA #NIA 1502 Reporting ROlle NIA NIA Nellncome #N/A #NfA .N/A liN/A Guaranty Fee Payment ROlle (24 Months) #NJA :>=95% >=90%

Review and Monitoring Fees (OCRM) Paid or NlA

• % of Liquidation Balance On-golng Servicing Fees 10SBA PaId Of NlA In Liquidation over 3 yeill"S 0 $ 'N/A tiN/A On-TIme Repair Payment Rate Paid or NJA

• % of Purcnase Balance 172 On.Time Payment Rale (24 Months) #NIA

In Purchase over 3 years #NIA 'N/A 'N/A Rale 24.Month Repair/Denial Rate N/A NI'

In Active Default over 3 years #NIA 'N/A _. from Escrow Reserve Report

Federal and State Regulatory Actions

Lender Corrective Action Response from Previous RBR

Regulatory Compliance Comments

Regulatoty Section Total Score ~ This report is strictly confidential.

This Report Is lhe propeny of lhe U.S. Small Business Adminislration, Office of Credll Risk. Management, and is furnished for the confidential use of the examinfKlenlity. Under no circumstances shall any recipient of this report or its parent company, or any of lheir direclors, officers, employees, attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized dlscfosure of any of the contanls of this report is subjecl to the pena/tles in 18 USC 641. The Office of Credit Risk Management must be norlfied Immediately If the examined entity receives IJ subpoena or other legal process cafllng for the production of this report.

~ u.s. Small Business Administration Lender Pro',le Assessment

~ Office of Credit Risk Management #N/A Day Report Generated: Monday, January 27, 2014 Lender Reported Data as of 8/3112013; Cash Flow and Approval Data as of 913012013 Source Data Updated Quarteny

Risk Management

Below illustrates the future stare of the overall LRR rating, and the future state broken out Imo potTfolio segments.

The below Overall Score Is not currently included In the PARRiS Score.

L.RR. Overall 0 less lhan Acceptable LRR_legacy (Pre.Jan 1, 2009J 0

SSA Net Active Portfolio, Quarterly # Net Active Loans Blllance

Lender Risk RatIng Lender Risk Ritlng (l.RR • Calculated)

SBAOvel11de? #NJA

01r4, FY 2013 #NfA

N/A

Orr 3. FY 2013

#N/A

Q1r2. FY2013 'N/A

N/A

O/r " FY 2013

#N/A

Capital Adequacy

RIlik Based Capital Ratio Tier 1 Risk Bllied Ratio l.ev8t'llgefCote Ratio

Lender %

N/A

#NfA

#N/A

NfA

LRR. Emerging (Jan 1, 2009 Onl 0 Qtf 4, FY 2013 /tN/A #N/A LRR. Over $350K Loans 0 Qtf 3, FY 2013 'N/A .N/A LRR. Under $350K Loans 0 QtI' 2, FY2013 .N/A liN/A

LRR • OrigInal 0 Qtf 1, FY 2013 I'N/A .N/A

NfANfANon.Performlng Anet RallO

••• Also known as Tex8s RallO

,Flag Gross Loans S % of Gross Loans

#NtA NlA

#N/A #N1A

#N/A #NJA

.N/A

# or loans

I'N/A 'N/A .N/A o

'N/A 'N/A 'N/A

LRR • Acquired

Concentrations (% Based on Gross Loans) Top 3 NAICS

'N/A 'N/A 'N/A

Top 3 Franchises

'N/A 'N/A 'N/A

Total lender Franchise Port1011o:

'N/A 'N/A 'N/A

# of Loans

'N/A 'N/A 'N/A 'N/A

Gross Loans S % of Gross Loans #N/A #N/A

#NtA #NJA

#N/A liN/A

I'N/A N/A Flag

TOp3 Sllles #N/A

# or Loans

'N/A o • o •

Gro •• Loans S #N/A

% of Grall Loans

'N/A #NlA 'tWA liN/A

Risk Management Comments

Risk Management Section Total Score _ This report is strictly confidential.

This Report/s rhe property 01 rhe u.s. Small Business Administration, Office of CtTKJit Risk Management, and is furnished for the confidenlial use of the examined entity. Under no circumstances shall any Tee/pient of this report Of its panmt comp/IIlY, or any of their directors, officers, amp/oyees, ~lftomeys or auditors disclose or make public this report Of Iny porrlon thereof. Umwthorlzed disclosure of any of the contents of this report Is subject to the penalties in 18 USC 641. The Office of Credit Risk Management must be notified immediately if the exam/ned enllty Teeeives a subpoena or other legal process calUng for the production of this report.

~ u.s. Small Business Administration Lu"d•• Pm'''.'''u"me,,1 '8! Office of Credit Risk Management ONI' Day RePQrtGeneraled: Monday, January 27, 2014 Lender Reported Data A$ 018131/2013; Cuh Flow and ~prov.1 Data as of 9f3OJ201J

Special Items Aya •• e ell""n! saps S,o ••

% 8'e.kdo .•••.n 0' Currenl SBPS SeD•• Low Rtsk

.oN1O!

WA

Illed Risk

WA

Hi h Risk Not Vel Scored Sold on Saconda,! M"kel

'ONIOI IONIOT

Groll Loan' Gron Lo.ns $ 'N!A lIN/A k ,FI!!i!

% 01Gron Loans S WA--=oM

Oaleg"ted Authority Eltpiration Da'•• :

Plp ell' 'WA ItNJA l.ender Service Provider Ngne Repor1oo

Acquired Portfolio by Originallng Bank L1Firs B.nk

Landar P•• n SBAEltP PAT EXP Export bp P1..P EWep Rlcovery Rata (Put BVun) WA ."" WA

""A "''' 'WA 'WA

Most Reeent Regulatory Action Oal8olAgmt LSPA E~p •.• llon Accapl.d T,,. lu ••• Oala Mlld 0.18 Tlnn Data

WA "''' tN!A ""AL::: WA No Acq••,ed PClltfo~o

NalAd'n' NalActlYa S % 01 Nat Adiva S Actlva Dallutl , ACIIVIo.'I ••1I S '4 of AelM o.r.utl S Gron Loans. Gron loans $ % 01 Gross Lo.ns S

Sum 01 AcquifMl Portfolios t¥iMi!i,!!j! iii! "" I, -is 'rti ",!til ""

""A 'WA ,

''dP-z flag

WA.......,

t',g. ,;fMi ffiflliiM peclaf Commenlsr Special Items Section Total Score ~ This report is strictly confidential.

Th/~ Report I~ rh.propel1y ot th. U.s. Sf1U1f8usJnus AdminlII,.ffon. Offlc. 0' Cndi, Risk "'.Ill,,_onl. Ind Is !umlshld'o, Ih. conl/dlnll.I uu of 1111I"..mlllid Wlrrfy.Undl' no C'I'tumll.ntOi ~h.1f III)' re<:/pOO'0' rillsreport 0' lis p.fWlI tamp.n)'. 0' any 0' lhol, dirltla,., offlu'l. ImploJ'l" •• t/om.y. 0' ",dJlo'. d1St'OU0{m•••.•pubUc,hJ3 'lport a, III)'porIJon 'hOI'"". 1Jn.,,'horllld dlsdas" •• at .n)' 0' rhl tonlWlIt at this rlport ,. subJiK"101 rIl. p"n.llies In 18 USCUf, 1lt. om,. afCrsdil RIM ""Il'glmlnl mtI~' bl nofm.dlmmldl.'lIylf Ih. I•• mlnld ontily '",''''',,. 'ubpo""l or alh", log. prOClst ulllng tor Ihl prodtidlon of Ihl& ,,,,,,art.

~ U.S.Small Business Administration Lender Profile Assessmente; Office of Credit Risk Management #N/A

DayReportGenerated: Monday,January 27,2014 Lender Reported Data as of 8131/2013; Cash Flow and Approval Data as of 9(30/2013

Recommendations Findings

Assessment

Analyst Recommendations

Report Prepared By

Source Data Updated Quarterty

Technician

Contractor Analyst

SBA FInancial Analyst

Team leader

Director

This report is strictly confidential.

Name

Name

Name

Name

Name

Date

Oate

Date

Date

Date

This RepOff Is the property of the U,S. Smafl Business Administration, Office of Credff Risk Management, and Is furnished for the conndentiaf use of the examined entity. Under no circumstances shaff any recipient of this report or Its parent company, or any of their directors, officers, ftmployees. attorneys or auditors disclose or make public this report or any portion thereof. Unauthorized disclosure of any of the contents of this report Is subject to the penalties in 18 USC 641. The OffIce of Credit Risk Management must be notified immediately if the examined entity r&eeives a subpoena or other legal process calling for the production of this report.

~ u.s. Small Business Administration Lender Pm!,le Assessment e; Office of Credit Risk Management #N/A

Day Report Generated: Monday, January 27. 2014 Lender Reported Oala as of 8/3112013; Cash Flow and Approval Data as of 9/30/2013 Source Data Updated Quarterly

Definitions of Key Metrics sum(lsu6mnearlyprob) I sum(bu6lTll1disb_amtgn) sumOstI2mndefault_amtgn) Isum (1st12mndefault_balgl'S)

Ler'lder Level Equatlor'l sum(bt6Omndefault_amtgrs) I sum OstbOmndefault_baISI'S)

Oau from SBA sum{ures.ud_balgn) I sum(activ_batsrsJegular _servicing) sum(reported) I sum(active) def:ll.Ilt_for_36_amtgrs f (Ii d bat rs + ac urcn bal rs)

Dau from FDIC

Dau from FDIC

Ist6Ornn_net_cash_cum I

Ist60mn_~sba lum(l$u6mn _hiShriskori&..amtgl'S) I lum(lu36mndlsb_amtgn)

Dau from FDIC ca.krating cvlT_sb s v6 1$16 mn_co""purc prlngrs.

IstbOmn_co_clla'1eoffp""srs)

Data from S8A

In6Omndefault_amtgrs, Ist60mndefault_tnlSI'S

In36mnurlyprob _amtgrs.

ut36mndisb _amtgrs

In36mn_h;gllriskoriL amtgrs.

Isu6mndisb _amlgrs ltrelled_balgrs.

actlY_baJcnJegular _se...,c;ns

Dau from FDIC

Oat:! from FDIC

1stt 2mndefault_amtgrs.

1st12mndefault_ba!lrs default_for_16_amtgn.

Ii d bat rs. Ole ureh bal rs

Dau from FDIC purdlprinll'S. cl\lI"geoffpnnsrs

Description Numerator. Cumulative net cuh flow. includingpurd>ne. rKovery, originatIOnand urviclTll flH!s Denominator. 'ua ntt har e ros alan Numerator. Delault Amount oyer the last 12months, defined by tran5fer to hquidaooo amount or gross purchase amount Denominator. AaiYe Net lO.lns Balance Iyenged over the last 12 month, + the Deflult Amount oyer the last 12 month Annualized rate with Numerator. Default Amount over the last 5 years..defined by transfer to liquidanon amount or Irou purchue amount Denominator. Actiye Net loans Babnce Iyerated over 11$15 ~ean + Default Amount over last 5 ean Description Numerator. Stressed (put due (11.59 days put due). deferred. delinquent (6Oor more days p3st due)) balance Denomina.tor. Actlye Net LoonsBalance Numerator. Active Gron Balance for ~oung (mob S 36) loans that have had either a deferred. de~nquent (60 or more days ~st due). liqduidated. purchased. or cha,"&edoff SUtus within 18 month, of disbursement Denominator. Gron Approval Amount for oung loans (mob S 36)

Numera.tor. Gron Approval Amount for young (mob S 36) mk~ (original5BPS <

160) 1000ns.

Denominator. Gron Approval Amount for ~oung 1000n,(mob S 36)

Description Numerator' Number of active reportinsloans Denominator. lou.! 1«lYe loan, '" lender', SBA omollo Numerator. Gron Balanceof loan, in active default SUtus over 1 ~ears Denomlna.tor • Gron 8:llance of all lOinScurrent! in active default Numerator' last 24 months repair. denia~ or yolunury Purchue Amount Denominator. Gros, SBAPurchase Amount Description FDIC Benchmark explanations and definition, an be found here:, , Nonperlorming aueu plus loans 90 or more days past due as a pere@fltoftanl'bIe Ult and reserves. Thi$ is commonl known as the Teus Ratio FDIC).

A lender Rating based on forKl.Sted purchues for the next 12 months

Descriptlor'l Avei'll e SmaUBusinen Portfolio Score wei "ted b Active Gron Balance umerator. mu tive Kovery ount ( n 'rea It el' pure ase over years of ellarSed off loans, PARRiS Category Attribute

5 Year Cumubuve Net 'ridd

12Month Default Rue Performance

5 Year Default Rue

PARRiS Category Attribute

S{reue<lRate

Aug Managemtlnt hrly Problem loan Rate

HiJ:h RIskOrigination R.Jte

PARRiS C.1.tcgory Attribute

IS02 Reporting Rate

Regulatory Compliance ~ loans In Default StatuSover 3 Yun Rite

24 Month RepairJDeri~1Rate

PARRiS Category Attribute

FDICTObl Rlsk-8ue4 UpJb,1

Rilk Management Non.Performlng At.nt IUco lendl!r Purchue Rating ,fonnerl~ lRR\

PARRiS Category Attribute Iwenoge saps (wt!ghtedJ Re<:overyRate (Over laH 5

Sr-:i:lIlt~$ run' Hu Proc:IentialReguL1torYel:No CorrKtI\<'eAetlon Ranuest

'?(a) SBPSnsk atesorieJ • hiSh ride « 160) , medium risk (160 • 199). and low risk ( O!; 200)

PARRiS RISK FLAGS loa" Agents (Over lut 5 Vears)

Frenchlse COncentration

SOldon Secondary Merket

Industry Concentrnion

Acquired loans

Loans:>$2 Million lOver l.nt 12 Months:

Description Numerator. Number of loans originated in put 5 ~urs usinSan asent Denomlr'lator .Number of loans dbbursed in the fast 5 yean Numerator. Gron lOllns Balancefor frllnC"ises Der'lomlnator • Gro» loan, Balance Numerator. Gron Loans Balancefor loans sold on sKondary market Denominator. Gron loans Balance Numerator. Gron Willl1 Balance in asiv@flindustry subleclor DCr'lominator. Gran loans Balance Numerator. Gron Loans Balance for acquired 1000n, Denominator. Gron loans Balance

Number of $2M+ loans disbursed in the llil 12 months

This report is strictly confidential.

rhis RepMls th' propelTy of the U.S. Small Buslnus AdmInistration. Offlc., of Credit Risk Managem&nt, .nd Is furnished for the r::ontldrmU.1use otthe u.mlnfld entity. UncHr no r::ln::umn'nr::es sh.l/.ny r&elplenl of this rwport or 11.parent company, or .ny ot their dlnH;tor •• officers, employflls, .ttorneys or audito~ dl.clMa or m.ka public this ",pM or any portion thereof. Un'uthorlred dlsr::losuffl of any ot th' contants of this report Is subject to the penalties In 18 USC 641. rh, OffICI of Credit Risk Management must b, notified Immediat.ly" the eJtamlned entity receives a subpa-nll or othlH' legal prota" calling for the production otthls npM.