ATch_00001_4_amd_-_Exhibit_5_Delegated_Authority_Review_Template_2016.06.pdf

Lender: Click here to enter text. FIRS#: Click here to enter text.

City/State: Click here to enter text. Peer Group: Choose an item.

Authorities: Choose an item. Renewal Expiration Date: Click here to enter a date.

LENDER REVIEW FOR RENEWAL OF DELEGATED AUTHORITIES

Lender Profile Assessment (LPA) data as of: 12/31/2015

SBA Share Outstanding Dollars: $Click here to enter text. Overall Active Dollars: $Click here to enter text.

Required Signature: Choose an item. SBA Region: Choose an item.

Highlights:

- The lender submitted an acceptable written statement ensuring satisfactory status with its primary federal and state regulators.

- For lenders with <$10MM in Gross Dollars: The lender may receive a 2-year renewal term if Question #1 is answered “No” and the lender received a positive response for questions 2 -5. If not, please complete Attachment A, as applicable.

Based on the answer to the questions below, I recommend the lender receive the following: Choose an item.

NAME AND TITLE SIGNATURE/DATE

6 MONTH

RENEWAL

1 YEAR

RENEWAL

2 YEAR

RENEWAL

ATTACH A DENIAL

Primary Financial Analyst

NAME

Name / SELECT DATE

SBA Financial Analyst

Name / SELECT DATE

Team Leader

Name / SELECT DATE

# RISK ASSESSMENT QUESTIONS: YES NO FA

1 Are there any outstanding formal enforcement actions or indictments against the lender or one or more of its key employees as demonstrated in lender and/or public records? (SNL and Cert Letter)

2 Is the lender at least adequately capitalized? (SNL)

3 Is the lender current in SBA fee payments? (LPA and Unpaid Review Fee Report)

4 Is the lender at least 97% current in 1502 reports, or for a lender with less than 10 loans, do they have 3 or fewer unreported loans? (LPA)

5 Does the Lender have a SBA LPR of “1” “2” or “3” with a stress rate of 30% or less? (LPA)

6 Has the lender had an RBR completed within the past 6 months? (Sharedrive/LPA)

U.S. Small Business Administration

Office of Credit Risk Management Day Report Generated: Monday, July 20, 2015 Page 1 SBA Data as of Q2 FY 2015; SNL Data as of Q4 CY 2014, Version 1.1 Source Data Updated Quarterly

PARRiS Components PARRiS Factors Preferred

( + 1 Point) Acceptable

( + 3 Points) Less than Acceptable

( + 5 Points) Lender Rates Number of Points

5 Year Cumulative Net Yield > 2 % -3% - 2% < -3% 1.0% 3 12 Month Default Rate 0% > 0% - 6% > 6% 0.0% 1 5 Year Default Rate 0% > 0% - 5% > 5% 0.0% 1 Stressed Rate 0% > 0% - 5% > 5% 0.0% 1

Asset Management Early Problem Loan Rate 0% > 0% - 2% > 2% N/A 3 High Risk Origination Rate < 7% 7% - 18% > 18% N/A 3 1502 Reporting Rate 100% 97% - < 100% < 97% 100.0% 1

Regulatory Compliance Loans in Active Default Status over 3 Years Rate < 19% 19% - 63% > 63% N/A 1 24 Month Repair/Denial Rate 0% > 0% - 4% > 4% N/A 3 FDIC Total Risk-Based Rate (*) = or > 10% 8% - <10% < 8% 17.1% 1

Risk Management Non-Performing Asset Ratio >=100% 1.2% 1 Lender Purchase Rating (LPR) 1,2 3 4,5 2 1 Average SBPS (weighted) > 203 181 - 203 < 181 182 3 Recovery Rate (Over last 5 years) > 63% 21% - 63% < 21% N/A 3 Has Prudential Regulator (Preferred) and No Prudential Regulator No Corrective Action Request (Preferred) and/or Has Corrective Action (*) http://www.fdic.gov/regulations/safety/manual/section2-1.html#capital Total Points 27

Performance

< 100%

Special Items Has Prud Regulator and No Corr. Action Preferred

(Lender Name & FIRS) 2

ATTACHMENT A

PERFORMANCE Comments:

The lender had # active loans and an outstanding balance (gross) of $# as of December 31, 2015, and the status of active loans by loan count and the percentage for each status category representing the gross total dollars include: # current (#%), # delinquent (#%), # in deferment (#%), and # past-due status (#%).

ASSET MANAGEMENT Comments:

All Performance Metrics are within SBA’s Accepted Range.

REGULATORY COMPLIANCE Comments:

The lender had a 1502 reporting issue at renewal review, and the lender was extended for one month until October 5, 2014. OCRM and the District Office worked with the lender to resolve the issue. The current RISK Lender report dated 09/02/2014 shows satisfactory reporting.

RISK MANAGEMENT Comments:

13 CFR 120.410(a) requires that lenders participating in the 7(a) loan guaranty program must be at least adequately capitalized. As shown, the lender is meeting SBA regulatory requirements.

SPECIAL ITEMS Comments:

LPR may be adversely affected by the lender’s largest loan is in delinquent status, which represents 32.8% of the bank’s gross dollars (see BI Tool), and historically, SBA purchased 15 loans from the lender.

OCRM and SBA Fees The lender’s LPA report (as of December 31, 2015), shows the lender had a 172 Payment rate of #% and 1502 reporting rate of #%.

Comments from District Office and Servicing Centers:

The lead District Office and SBA Servicing and Purchasing Centers reported no adverse comments about the lender and did not object to renewing or approving the lender’s authorities.

PARRiS, PTR, Corrective Action Comments OCRM has not conducted a PARRiS or RBR of the lender within the last 6 months.

Miscellaneous None