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Step 1: You will have received an email and letter from Tri Counties Bank with the link to apply.• Use the Chrome browser when accessing the online portal.

Step 2: The link will take you to our website with information to review prior to entering the online portal. After reviewing the important information, click ENTER THE ONLINE PORTAL. Then, log in using your company name and EIN (Tax Identification Number or Social Security Number).

• IMPORTANT: Enter your company name exactly as it appears in the letter and/or email you received from Tri Counties Bank, including spaces, abbreviations and punctuation.

• After you have entered your business EIN, click Next.

PPP Loan Forgiveness Online Portal Guide

Before you begin:

• You will receive an invitation to our online portal via mail and email.

• Use the Chrome browser.

• IMPORTANT: Type your company name exactly as it appears in the letter or email you receive from Tri Counties Bank, including spaces, abbreviations and punctuation.

• Do not include dashes when typing in your EIN (Tax Identification Number or Social Security Number).

• Click ‘Save Information’ periodically and before leaving the online portal; it will time out after 30 minutes of inactivity.

• When uploading documents to the online portal, the combined file size may not exceed 15 MB (megabytes) total.

• If you have any questions, contact your local banker, call 1-800-982-2660 or email DirectBankingDivision@tcbk.com.

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Step 3: The online portal will then prompt you to Validate OTP (One-Time Passcode).• Check your email and enter your one-time passcode in the entry box.

• If you did not receive your one-time passcode, please check your spam folder.

• After entering your passcode click Verify.

Step 4: Review the following to determine whether you are eligible for the SBA Form 3508 or 3508EZ.

You can apply for forgiveness of your PPP loan using the SBA Form 3508EZ if you can check at least one of the three boxes below. If you cannot check one of these boxes, use the SBA Form 3508.

n You are a self-employed individual, independent contractor, or sole proprietor who had no employees at the time of the PPP loan application and did not include any employee salaries in the computation of average monthly payroll in the Borrower Application Form (SBA Form 2483).

OR

n You did not reduce annual salary or hourly wages of any employee by more than 25 percent during the Covered Period or the Alternative Payroll Covered Period compared to the period between January 1, 2020 and March 31, 2020.

- “Employees” means only those employees that did not receive, during any single period during 2019, wages or salary at an annualized rate of pay in an amount more than $100,000.

AND

You did not reduce the number of employees or the average paid hours of employees between January 1, 2020 and the end of the Covered Period.

- Ignore reductions that arose from an inability to rehire individuals who were employees on February 15, 2020 if the Borrower was unable to hire similarly qualified employees for unfilled positions on or before December 31, 2020.

- Also ignore reductions in an employee’s hours that the Borrower offered to restore and the employee refused.

OR

n You did not reduce annual salary or hourly wages of any employee by more than 25 percent during the Covered Period or the Alternative Payroll Covered Period compared to the period between January 1, 2020 and March 31, 2020.

- “Employees” means only those employees that did not receive, during any single period during 2019, wages or salary at an annualized rate of pay in an amount more than $100,000.

AND

You were unable to operate during the Covered Period at the same level of business activity as before February 15, 2020, due to compliance with requirements established or guidance issued between March 1, 2020 and December 31, 2020 by the Secretary of Health and Human Services, the Director of the Centers for Disease Control and Prevention, or the Occupational Safety and Health Administration, related to the maintenance of standards of sanitation, social distancing, or any other work or customer safety requirement related to COVID-19.

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Step 5: You will then enter the Loan Application Stage and Select Form.

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Step 6: Begin by entering Loan Forgiveness Information under Loan Identification.

If you are submitting the SBA Form 3508EZ, proceed with Step 6. If you are submitting the SBA Form 3508, skip to Step 12.

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Step 7: Enter SBA Loan Information.

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Step 8: Enter Payroll Schedule, Covered Period, and Alternative Payroll Covered Period, if applicable.• At the bottom of the page, it will ask if you received PPP loans in excess of $2 million.

• Select Yes or No.

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Step 9: Enter Payroll and Non-Payroll Costs.• For a refresher on what constitutes eligible Payroll and Non-Payroll Costs, view Paycheck Protection Program

Frequently Asked Questions.PDF.

• According to SBA guidance, the loan will be fully forgiven if the funds are used for payroll costs, and eligible non-payroll costs including:

o Interest on mortgages

o Business rent or lease payments

o Utilities

Reminder: At least 60% of the forgiven amount must have been used for payroll.

https://www.sba.gov/sites/default/files/2020-06/Paycheck-Protection-Program-Frequently-Asked-Questions%20062520-508.pdf

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Step 10: Potential Forgiveness Amounts will be auto-populated based upon your above payroll and non- payroll cost entries.

Step 11: Estimated Loan Forgiveness.• An Estimated Loan Forgiveness amount will populate in line 8.

• As it notes in gray print, if you have applied for an EIDL Loan, the SBA will deduct advance amounts from the total eligible forgiveness amount.

If you are submitting the SBA Form 3508EZ, skip to Step 15.

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Step 12: Begin the SBA Form 3508 by entering Loan Forgiveness Information.

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Step 13: After completing the Loan Identification Information, enter your SBA Loan Information.

Continued >

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Step 14: Next, complete the Loan Forgiveness Calculation.

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After you complete Step 14, click “Save Information”.

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Step 15: For both the SBA Form 3508 and 3508EZ, be sure to initial each box.

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After you complete Step 15, click “Save” and scroll to the top of the page. Click “Next” to proceed with uploading supporting documents.

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Step 16: Upload all related documents.• Once you select your document, a drop down of options will generate.

• Select the document type you would like to add and upload the corresponding documents.

• When uploading your supporting documents, please note there is a 25 MB (megabyte) limit for all documents combined.

Continued >

Upload a document

Select document type

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Click upload and repeat for remaining documents

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Step 18: Review and click Finish.

Step 17: Review & Submit.• The online portal will prompt you for a signature.

Please be sure to electronically sign your application following these two steps:

1. First, use your mouse to electronically sign your name in the signature block.

2. Next, click on the orange button that says “Click here after signing to apply signature to document”.

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Step 19: A confirmation will appear stating that your Loan Forgiveness Application has been submitted.• Please confirm that your User Uploaded Docs successfully attached. You will see this at the bottom of the

screen under User Uploaded Documents.

Member FDIC

Thank you for trusting Tri Counties Bank as your SBA lender. If you have any questions or need additional assistance, please contact your local banker, call 1-800-982-2660 or email DirectBankingDivision@tcbk.com.

You can now download a copy of your application by clicking on the SBA Form listed under “User Uploaded Documents.”

(Rev. 9/8/20)