Exhibit 3 - Loan Document of Plaintiff Henderson — Marshall Prestamos (Dkt. 139.4)

Record facts

U.S. District Court for the Eastern District of Pennsylvania · No. 5:21-cv-04337-JMG · Doc. 139-4 · 2024-09-06 · Docket on CourtListener

Full text

Case 5:21-cv-04337-JMG Document139-4 Filed 09/06/24 Page1of14

EX. 3 -- THE LOAN DOCUMENT CONTRACT
BETWEEN PRESTAMOS AND
PLAINTIFF HENDERSON
DocuSign Envelope IO Seer EO PCO AS 37 IMG Document 139-4

Filed 09/06/24 Page2of14

SBA

U.S. Small Business Administration

U.S. Small Business Administration

NOTE

SBA Loan # 8614908807

SBA Loan Name Paycheck Protection Program
Date 4/29/2021

Loan Amount $ 1875

Interest Rate

Fixed at 1%

Borrower —

Kristina Henderson
Operating Company

Kristina Henderson
Lender

Prestamos CDFI, LLC

1. PROMISE TO PAY:

In return for the Loan, Borrower promises to pay to the order of Lender the amount of

$ 1875

interest on the unpaid principal balance, and all other amounts required by this Note,

2. DEFINITIONS:

“Collateral” means any property taken as security for payment of this Note or any guarantee of this Note,

“Guarantor” means cach person or entity that signs a guarantee of payment of this Note,

“Loan” means the loan evidenced by this Note.

“Loan Documents” means the documents related to this loan signed by Borrower, any Guarantor, or anyone who
pledges collateral.

“SBA” means the Small Business Administration, an Agency of the United States of America.

SBA Porm 147 (06/0302) Version 4.1

DocuSign Envelope (OES RD SAGAS 87 IME" Scument 139-4 Filed 09/06/24 Page 3 of 14

3. PAYMENT TERMS:

Borrower must make all payments at the place Lender designates. The payment terms for this Note are:

Initial Deferment Period: No payments are due on this loan beginning on the date of first disbursement of this loan until
the loan forgiveness payment is remitted to the Lender by the SBA, Interest will continue to accrue during the deferment
period.

Loan Forgiveness:

First Draw PPP Loans made to eligible borrowers qualify for full loan forgiveness if during the 8- to 24-week covered
period following loan disbursement:

oEmployce and compensation levels are maintained

oThe loan proceeds are spent on payroll costs and other eligible expenses; and

OAt least 60 percent of the proceeds are spent on payroll costs

Second Draw PPP Loans made to eligible borrowers qualify for full loan forgiveness if during the § to 24 week covered
period following loan disbursement:

oEmployee and compensation levels are maintained in the same manner as required for the First Draw PPP loan

oThe loan proceeds are spent on payroll costs and other eligible expenses; and

OAL least 60 percent of the proceeds are spent on payroll costs

The amount of loan forgiveness shall be calculated (and may be reduced) in accordance with the requirements of the
Paycheck Protection Program, including the provisions of Section 1106 of the Coronavirus Aid, Relief, and Economic
Security Act (CARES Act). Not more than 40% of the amount forgiven can be attributable to non-payroll costs.

Maturity: This Note will mature five years from date of first disbursement of this loan,

Repayment Terms: The interest rate on this Note is one percent per year. The interest rate is fixed and will not be
changed during the life of the loan.

For any amounts that remain owing on this Note afler the SBA remits the forgiveness payment, Borrower must pay
principal and interest payments. in such amount as is required to fully amortize the unpaid balance of this Note over the
remaining term, beginning one (1) month following the SBA's forgivencss payment, If a forgiveness application is not
made within ten (10) months of the last day of the covered period, Borrower must pay principal and interest payments in
such amount as is required to fully amortize the unpaid balance of this Note over the remaining term, Payments must be
made on the Ist calendar day in the months they are due,

Lender will apply cach installment payment first to pay interest accrued to the day Lender received the payment, then to
bring principal current, and will apply any remaining balance to reduce principal.

Loan Prepayment: Notwithstanding any provision in this Note to the contrary:

Borrower may prepay this Note at any time without penalty. Borrower may prepay 20 percent or less of the unpaid
principal balance at any time without notice. If Borrower prepays more than 20 percent and the Loan has been sold on the
secondary market, Borrower must: a. Give Lender written notice; b, Pay all accrued interest; and ¢. If the prepayment is
received less than 21 days from the date Lender received the notice. pay an amount equal to 21 days interest from the date
lender received the notice, less any interest accrued during the 21 days and paid under b. of this paragraph. If Borrower
does not prepay within 30 days from the date Lender received the notice, Borrower must give Lender a new notice.

Non-Recourse: Lender and SBA shall have no recourse against any individual shareholder, member or partner of
Borrower for non-payment of the loan, except to the extent that such shareholder, member or partner uses the loan
proceeds for an unauthorized purpose.

SBA Form 147 (0403.02) Version 4.1 Paye 26
as

Gcument 139-4 Filed 09/06/24 Page 4 of 14

4. DEFAULT:

Borrower is in default under this Note if Borrower does not make a payment when due under this Note, or if Borrower
or Operating Company:

amon >

ger eo

Fails to do anything required by this Note and other Loan Documents;

Defaults on any other loan with Lender;

Does not preserve, or account to Lender's satisfaction for, any of the Collateral or its proceeds;

Does not disclose, or anyone acting on their behalf does not disclose, any material fact to Lender or SBA;
Makes, or anyone acting on their behalf makes, a materially false or misleading representation to Lender or SBA;
Defaults on any loan or agreement with another creditor, if Lender believes the default may materially affect
Borrower's ability to pay this Note;

Fails to pay any taxes when due:

Becomes the subject of a proceeding under any bankruptcy or insolvency law;

Has a receiver or liquidator appointed for any part of their business or property;

Makes an assignment for the benefit of creditors;

Has any adverse change in financial condition or business operation that Lender believes may materially affect
Borrower's ability to pay this Note;

Reorganizes, merges, consolidates, or otherwise changes ownership or business structure without Lender's prior
written consent; or

Becomes the subject of a civil or criminal action that Lender believes may materially affect Borrower's ability to
pay this Note.

5. LENDER'S RIGHTS IF THERE IS A DEFAULT:

Without notice or demand and without giving up any of its rights, Lender may:

A.

mon ®

Require immediate payment of all amounts owing under this Note:

Collect all amounts owing from any Borrower or Guarantor;

File suit and obtain judgment;

Take possession of any Collateral; or

Sell, lease, or otherwise dispose of, any Collateral at public or private sale, with or without advertisement,

6, LENDER’S GENERAL POWERS:

Without notice and without Borrower's consent, Lender may:

A.
B.

adh i fe

Bid on or buy the Collateral at its sale or the sale of another lienholder, at any price it chooses;

Incur expenses to collect amounts duc under this Note, enforce the terms of this Note or any other Loan
Document. and preserve or dispose of the Collateral. Among other things, the expenses may include payments
for property taxes, prior liens, insurance, appraisals, environmental remediation costs, and reasonable attorney's
fees and costs. If Lender incurs such expenses. it may demand immediate repayment from Borrower or add the
expenses to the principal balance;

Release anyone obligated to pay this Note;

Compromise, release, renew, extend or substitute any of the Collateral; and

Take any action necessary to protect the Collateral or collect amounts owing on this Note.

SBA Form 147 (0603/02) Version 4,1 Page 16
PocuSign Envelope OREO Pe O4ae7 IMG Document 139-4 Filed 09/06/24 Page 5 of 14

7, WHEN FEDERAL LAW APPLIES;

When SBA is the holder, this Note will be interpreted and enforced under federal law, including SBA regulations.
Lender or SBA may use state or local procedures for filing papers, recording documents, giving notice, foreclosing
liens, and other purposes. By using such procedures, SBA does not waive any federal immunity from state or local
control, penalty, tax, or liability. As to this Note, Borrower may not claim or assert against SBA any local or state law
to deny any obligation, defeat any claim of SBA, or preempt federal law.

8. SUCCESSORS AND ASSIGNS:

Under this Note, Borrower and Operating Company include the successors of each. and Lender includes its successors
and assigns.

9. GENERAL PROVISIONS:

A. All individuals and entities signing this Note are jointly and severally liable.

B. Borrower waives all suretyship defenses.

C. Borrower must sign all documents necessary at any time to comply with the Loan Documents and to enable
Lender to acquire, perfect, or maintain Lender's liens on Collateral,

D. Lender may exercise any of its rights separately or together, as many times and in any order it chooses, Lender
may delay or forgo enforcing any of its rights without giving up any of them,

E. Borrower may not use an oral statement of Lender or SBA to contradict or alter the written terms of this Note.

F. If any part of this Note is unenforceable, all other parts remain in effect.

G. To the extent allowed by law, Borrower waives all demands and notices in connection with this Note, including
presentment, demand, protest, and notice of dishonor, Borrower also waives any defenses based upon any claim
that Lender did not obtain any guarantee; did not obtain, perfect, or maintain a lien upon Collateral; impaired
Collateral; or did not obtain the fair market value of Collateral at a sale.

SBA Form 147 (06/03/02) Version 4.1 Paye 4/6
Case 5:21-cv-04337-JMG Document 139-4 Filed 09/06/24 Page 6 of 14

10. STATE-SPECIFIC PROVISIONS:

None
Unless otherwise prohibited by law, the following additional provisions will apply:

Release of Lender. In consideration of the agreement of the Lender to provide this Note, and other good and
valuable consideration, which consideration is agreed by Borrower to be good and sufficient, Borrower RELEASES,
ACQUITS AND FOREVER DISCHARGES the Lender, its directors, officers, shareholders, agents, contractors,
employees, affiliates, attorneys, successors and assigns from any and ali claims, demands, liens, damages, actions
or suits, of whatsoever nature or character, whether statutory (including without limitation usury and deceptive trade
practices claims), in contract or in tort, known or unknown, which have accrued or may accrue to Borrower or any
creditor or affiliate of Borrower on account of any injuries, damages or losses or otherwise arising out of or in any
way connected to (i) any extension of credit by the Lender to Borrower on or prior to the date hereof, or (ii) any
matter or thing done, omitted or suffered to be done by the Lender, its directors, officers, shareholders, agents,
employees, affiliates, attorneys, predecessors or assignors on or prior to the date hereof.

Notwithstanding anything else contained herein, this Note is not secured and there are no quarantors.

SBA Form 147 (060302) Version 4.1 Page 36
Case_5:21-cv-04337-JIMG Document 139-4

Filed_09/06/24

Page 7 of 14
co)

11. BORROWER'S NAME(S) AND SIGNATURE(S):

By signing below, cach individual or entity becomes obligated under this Note as Borrower.

BORROWER: Kristina Henderson

Date

4/29/2021

SBA Form 147 (06°03/02) Version 4.1

Page 6/6
DocuSign Envelope IQS GPRD PCytBRS SF IG Pocument 139-4 Filed 09/06/24 Page 8 of 14

ADDITIONAL AND CORRECTION DOCUMENTS AGREEMENT
(ERRORS AND OMISSIONS AGREEMENT)

RE: Loan by Lender, Prestamos CDF, LLC to. “St Henderson

Sole Proprietorship (Unregistered) , in the amount of $ 1875

, a(n)

In consideration of Prestamos CDF, LLC, located at 1024 E Buckeye RD, Suite 270, Phoenix AZ 85034, (herein-
after called “Lender”) making the above loan, each of the undersigned, jointly and severally, do hereby agree as follows:

1, In the event the promissory note or any other document or other writing evidencing, securing or pertaining
to the above loan is misplaced or lost or incorrectly reflects the true and correct terms, conditions or provisions of the loan
in the opinion of Lender, each of the undersigned shall execute, acknowledge, initial and deliver to Lender all documents
and other writings that Lender requests which Lender deems necessary to replace or correct any misplaced, lost or incorrect
document or other writing; and

Pf in the event Lender deems it necessary that any additional documents or other writings be executed by any
of the undersigned in connection with or pertaining to the above loan which have not been requested to be executed by the
undersigned on or before the date hereof (or which were requested but not executed for any reason whatsoever), each of
the undersigned shall execute, acknowledge, initial and deliver to Lender all such additional documents or other writings
that Lender may reasonably request in connection with such loan; and

3. Each of the undersigned further agrees to execute, acknowledge, initial and deliver to Lender all such
documents and writings and pay such additional sums requested by Lender within ten (10) days after Lender requests
same, Any request by Lender shall be deemed given and received on the eariier of (i) the date such request is actually
received by one of the undersigned or (ii) three (3) days after such request is mailed, postage prepaid and addressed to
any of the undersigned at the last known address of the undersigned in accordance with the records of Lender, whichever
date occurs first; and

4, if any of the undersigned refuses or fails within such ten (10) day period to (i) execute, acknowledge, initial
and deliver any such document or other writing requested by Lender, or (ii) pay any such fees, expenses, costs or interest,
each of the undersigned, jointly and severally, agree to pay to Lender all losses, damages and expenses paid or incurred
by Lender in any manner emanating therefrom or connected therewith, including (but not limited to) reasonable attorney's
fees, and each of the undersigned further agree that any such failure or refusal shall constitute a default and an Event of
Default under the note and all other writings evidencing, securing or pertaining to said loan; and

5. Each of the undersigned hereby acknowledges that Lender is relying upon this agreement in making the
above loan and that Lender would not make such loan unless each of the undersigned execute and deliver this agreement;
and each of the undersigned further agree that this agreement (i) shall inure to the benefit of Lender and each subsequent

holder of the note evidencing such loan, and (il) shall be binding upon each of the undersigned and upon each of the heirs,
personal representatives, successors and assigns of each of the undersigned.

EXECUTED 4/29/2021

BORROWER:

Kristina Henderson

A(n) Sole Proprietorship (Unregistered)

By: se =
\ cans 73F4RE RECA

Name: Kristina Henderson

Title:_ Owner

DocuSign Envelope Cee ere PAL OAS SP IMG Document 139-4 Filed 09/06/24 Page 9 of 14

BUSINESS PURPOSE STATEMENT
(SBA Paycheck Protection Program)

|, Kristina Henderson , Owner of _ Kristina Henderson

a(n) Sole Proprietorship (Unregistered), state as follows:

1. To induce Prestamos CDFI, LLC, 1024 E Buckeye Rd, Suite 270, Phoenix, AZ 85034, to

extend credit to_Krislina Henderson , a(n) Sole Proprietorship (Unregistered)
| represent that the proceeds of the loan in the amount of $_1875 will be used
only for the following purpose(s):

Business related purposes as authorized by the U.S. Small Business Administration Paycheck
Protection Program and as specified in the loan application.

2. | understand that the above-stated purpose is for business or commercial purposes only
and that you are relying upon these representations in not making Truth-in-Lending disclosures pursuant
to 15 U.S.C. Section 1601, in connection with this loan.

EXECUTED 4/29/2021

DocuSign Envelope (© ASO BT FCY-G4383 IMS Hocument 139-4 Filed 09/06/24 Page 10 of 14

NOTICE - NO ORAL AGREEMENTS

RE: Loan by Lender, Prestamos CDFI, LLC to Borrower,_ Kristina Henderson

a(n) Sole Proprietorship (Unregisteredthe amount of $1875
ITT R | A
ARTI N Y NOT YY. DENC | MP N
SUBSEQUE LAGREE PARTIES

THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

“Loan Agreement” means one of more promises, promissory notes, agreements, undertakings,
security agreements, deeds of trust or other documents or commitments, or any combination of those
actions or documents, pursuant to which a financial institution loans or delays repayment of or agrees to
loan or delay repayment of money, goods, or another thing of value or to otherwise extend credit or make

a financial accommodation.

EXECUTED 4/29/2021

LENDER:
PRESTAMOS CDFI, LLC

By:
Name: Jose Martinez
Titie: President
BORROWER:
Kristina Henderson
An) Sole Proprietorship (Unregistered)
DocuSigned by
=e }
By: ¢ —_/

Eee esas

Name: Kristina Henderson

Title; _ Owner

DocuSign Envelope IG ASE BS PY -GAIS3 IMS -poctument 139-4 Filed 09/06/24 Page 11 of 14

WRITTEN CONSENT OF GOVERNING BODY
(SBA PPP Ioan)

Pursuant to applicable law, the undersigned, being the appropriate governing body pursuant to the
governing documents for the borrowing entity designated on the signature page hereof (“Company’),
hereby consent to the adoption of and do hereby adopt the following resolutions and acknowledge that
Prestamos CDFI, LLC (“Lender”) is relying on the effectiveness hereof in making a loan to Company under
the Paycheck Protection Program Second Draw Loans of the Small Business Administration (“SBA”) as
authorized under Section 311 of the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues

Act ("Economic Aid Act”):

RESOLVED, that the undersigned hereby authorizes the Authorized Person named below as the
appropriate person pursuant to the governing documents of the Company ("Authorized Person’),
for and on behalf and in the name of the Company, to take such action necessary for the Company
to borrow money and to obtain credit from the Lender, with its principal office located in Phoenix,
Arizona, in the amount stated in the promissory note executed by Company and payable to Lender
(the “Loan”) and dated on or about the date hereof, hereinafter called the “Loan”, including any
renewals, extensions, consolidations or rearrangements of such indebtedness, upon such terms
and at such rates as he or she deems reasonable;

BE IT FURTHER RESOLVED, that the undersigned hereby authorizes the Authorized Person, for
and on behalf and in the name of the Company to prepare, execute and deliver any and all
applications, certifications, promissory notes, loan agreements and any and all other documents
and to perform any and all acts which may be necessary or proper to effect the borrowing and to
execute and deliver any and all instruments and perform any and all acts required by the Lender
and/or the SBA in connection with any matters herein contained, including any renewals,
extensions, consolidations or rearrangements of such indebtedness, upon such terms and at such
rates as the Authorized Person, in his or her sole discretion, deems reasonable;

BE IT FURTHER RESOLVED, that all the acts and deeds done or to be done by the Authorized
Person, in connection with the execution and delivery of any promissory notes, loan agreements,
and any and all other documents, and any and all acts which may be necessary or proper to effect
the borrowing, are hereby authorized, adopted, ratified, confirmed and approved as the acts and

deeds of Company;

BE IT FURTHER RESOLVED, that the Authorized Person be and is hereby authorized and
directed to take such other action and deliver such additional instruments in the name of and on
behalf of Company, or otherwise to do all such further acts and things that the Authorized Person
shail deem necessary or proper in order to effectively perform all of the obligations and agreements
expressed to be kept and performed by Company, pursuant to the provisions of any promissory
notes, loan agreements and any and all other documents and to perform any and all acts which
may be necessary or proper to effect the borrowing described above;

BE IT FURTHER RESOLVED, that any government agency, including but not limited to, the SBA,
may also rely on this Written Consent when identifying any Authorized Person for purposes of any
loan guaranty, loan forgiveness, or other government program related to the Loan; and

BE IT FURTHER RESOLVED, that any and all acts authorized pursuant to this Written Consent
and performed prior to the execution of this Written Consent are hereby ratified and approved.
This Written Consent shall be continuing and shall remain in full force and effect until written notice
of its revocation shall have been delivered to the Lender and receipt acknowledged by the Lender
in writing.

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK - SIGNATURES ON FOLLOWING PAGE]
DocuSign Envelope I@ FSCARS PCY-GABS LIME Botument 139-4 Filed 09/06/24 Page 12 of 14

IN WITNESS WHEREOF, the undersigned have executed this consent effective as of 4/29/2021

AUTHORIZED PERSON:

Kristina Henderson
Ain) Sole Proprietorship (Unregistered)

By: (ee ~ =)

\—“ anes TIEASEDSCA

Name: _ Kristina Henderson

Title: Owner

PocuSign Envelope | ase SF W-O433 72 IMS Oo Btument 139-4

om W-9

(Rev, October 2018)
Dapartment of tha Treasury
intemal Revenue Service

Request for Taxpayer
Identification Number and Certification

» Go to www.irs.gov/FormW9 for instructions and the latest information.

Filed 09/06/24 Page 13 of 14

Give Form to the
requester. Do not
send to the IRS.

Kristina Henderson

1 Name (as shown on your income tax retum). Name is required on this line: do not leave this line blank.

2 Business name/disregarded entity nan, if different from above
Kristina Henderson

[-] Other (see instructions)

[] Limited liability company. Enter the tax classification (C=C corporation, S=5S corporation, P=Partnership}
Note: Check the appropriate box in the line above for the tax classification of the single-member owner, Do not check | Exemption trom FATGA reporting
LLG if the LLG is classified as a single-member LLG that is disregarded from the owner unless the owner of the LLC in
another LLC that is not disregarded from the owner for U.S. federal tax purposes. Otherwise, a single member LLC that
is disregarded trom the owner should check the appropriate box for the tax classification of its owner,

3. Check appropriate box for federal tax classification of the person whose name is entered on line 1. Check only one of the | 4 Exemptions (codes apply only to

lollowing seven boxes.
instructions on page 3}:
[M individuatsote proprietoror J CCorporation (LJ SCorporation [] Partnership LI Trust/estate
sangle-momber LLC Exempt payee code (if any)

| code (if any)

pies 2A acneunt martaeed cyte fe Cth)

§ Address (number, street, and apt. or sudte no.) See instructions.

21151 Boquet Dr

Print or type.
See Specific Instructions on page 3.

Requester's name and address (optional)

6 City, state, and ZIP code

Macomb Mi

7 List account numbers) here joptional

Taxpayer Identification Number (TIN)

Enter your TIN in the approprinte box. The TIN provided must match the name given on line 1 to avoid Social security number
backup withholding, For individuals, this is generally your social security number (SSN), However, for a
resident alien, sole proprietor, or disregarded entity, see the instructions for Part |, later. For other

entities, it ig your employer identification number (EIN). If you do not have a number, see How fo get a

TIN, later,

Note: If the account is in more than one name, see the instructions for line 1. Also see What Name and
Number To Give the Requester for guidelines on whose number to enter.

/8

Employer identification number |

Certification

Under penalties of perjury, | certify that:

1, The number shown on this form is my correct taxpayer identification number (or | am waiting for a number to be issued to me); and
2. 1am not subject to backup withholding because: (a) | am exempt from backup withholding, or (b} | have not been notified by the intemal Revenue
Service (IRS) that | am subject to backup withholding as a result of a failure to report all interest or dividends. or (c) the IRS has notified me that 1am

No longer subject to backup withholding: and
3, ama U.S, citizen or other U.S. person (defined below); and

4, The FATCA code(s) entered on this form (if any) indicating that | am exempt from FATCA reporting is correct.

Certification instructions. You must cross out item 2 above if you have been notified by the [A'S that you are currently subject to backup withholding because
you have failed to report all interest and dividends on your tax return. For real estate transactions. iiem 2 does not apply. For mortgage interest paid,

acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement

(IFA), and generally,

arrangement payments
olher than interest and dividends, eta ba ase but you must provide your correct TIN. See the instructions for Part Il, jater.

Date 4/29/2021

408 1 TIF ABE SECA

General nat GEOAE

Section references are to the Internal Revenue Code unless otherwise
noted.

Future developments, For the latest information about developments
related to Form W-9 and its instructions, such as legislation enacted
after they were published, go to www.irs.gov/FarmW9.

Purpose of Form

An individual or antity (Form W-9 requester) who is required to file an
information retum with the IRS must obtain your correct taxpayer
identification number (TIN) which may be your social security number
(SSN), individual taxpayer identification number (ITIN), adoption
taxpayer identification number (ATIN), or employer identification number
(EIN), to report on an information return the amount paid to you, or other
amount reportable on an information return, Examples of information
returns include, but are not limited to, the following.

* Form 1099-INT (interest eamed or paid)

® Form 1099-DIV (dividends. including those from stocks or mutual
funcis)

* Form 1039-MISC (various types of income, prizes, awards, or gross
proceeds)

» Form 1089-6 (stock or mutual fund sales and certain other
transactions by brokers}

* Form 1099-S (proceeds from real estate transactions)

* Form 1099-K (merchant card and third party network transactions)
® Form 1098 (home mortgage interest), 1098-E (student loan interest),
1098-T (tuitian)

* Form 1089-C (canceled debt)

® Form 1089-A (acquisition or abandonment of secured property)

Use Form W-9 only if you are a U.S. person (including a resident
alien), to provide your correct TIN.

if you de not return Form W-9 to the requester with a TIN, you might
be subject to backup withholding. See What is backup withholding,
later.

Cat. No. 10231%

Form W-9 (Rew, 10-2018)
DocuStgn Envelope 10k Seo P0439 IMG Document 139-4 Filed 09/06/24 Page 14 of 14

Information and Bank Account Certification and Authorization:

L acknowledge that the lender has to its best ability confirmed the ownership and active status of the depository
account at the Financial Institution listed as required in the documents submitted to the SBA for PPP loan
approval. | understand, acknowledge, and agree that the Lender or its’ partners can share any financial
information that | have provided with along with the SBA's authorized representatives, including authorized
representatives of the SBA Office of Inspector General. or any of its affiliates or partners for the purpose of
compliance, accuracy, and verification of good standing to comply with all SBA Loan Program Requirements
and or any and all SBA reviews,

I, Kristina Henderson certify in good faith to the below information to be the nghtful and
correct owner of the account and am responsible for the accuracy and information provided below and authorize
the lender and or its affiliates or partners to deposit the loan proceeds on the company’s behalf. 1 further certify
that the account information provided below is true and accurate in all material respects.

BANK NAME: Public Service Credit Union
ACCOUNT NAME: Kristina Henderson
ACCOUNT NUMBER:

ROUTING NUMBER: [a

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