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Small Business Administration

Loan Application

◆ A D VA N TA G E S

Why are more and more businesses turning to Comerica SBA to solve theirfinancing needs? The answer is simple: Interest Rate, Down Payment, and LoanTerm. By using a Comerica SBA loan you can increase your cash flow. Lowerinterest rates, down payments, and longer repayment terms all add up toincreased cash flow to help your business expand.

◆ C O M M I T M E N T

Being a “preferred” SBA lender means that we are one of the largest providers ofSBA loans in the industry. We understand the process involved and deliver.That’s why our customers have one of the highest rates of satisfaction in thebank. At Comerica SBA we listen, we understand, we make it work!

◆ R E S P O N S I V E N E S S

That’s the word which describes our commitment to our customers. At ComericaSBA we provide real solutions to your borrowing needs, now! Our team ofseasoned lenders has the experience to give you the answers you need, when youneed them.

◆ C O N TA C T

Contact your local Comerica office to discuss your business needs with anexpert. Comerica is in business to help people be successful! We are committedto delivering the highest quality financial services.

◆ A B O U T C O M E R I C A

Comerica Incorporated is a diversified financial services provider that operatescommercial banking subsidiaries in Michigan, California, Texas and Florida.Originally founded in Detroit in 1849, Comerica celebrated its 150th anniver-sary in 1999. Comerica has grown to be the 24th largest bank holding companyin the U.S., the 15th largest commercial business lender, the 17th largest smallbusiness lender, and ranks 1st nationally in commercial loans as a percent oftotal assets, as of 2000. In short, Comerica knows the business of business lending.

Small Business Administration Loan Program

STEP 1:You will meet with a Comerica SBABusiness Development officer toassess the likelihood of your businessreceiving an SBA guaranteed loan.During this initial meeting, you willbecome familiar with the process andstructure of obtaining SBA financing.This initial meeting can be accom-plished in person or by phone.

If Yes

STEP 3:Your SBA team, consisting of thebusiness development officer and theunderwriter, will present your loanrequest for funding. When approved,you’ll receive an approval letterfrom the bank, contingent upon SBAapproval. Preliminary bank approvalis accomplished in 3 to 5 workingdays from the time we receive yourinformation.

STEP 5:As a Preferred Lender of the SBA,Comerica is empowered, in manycases, to approve your loan on behalfof the SBA. If for some reason yourapplication must be formally submit-ted, our underwriters will representyour application to the SBA.

There are six basic steps in receiving an SBA loan from Comerica. With the exception of gettingfinal approval from the SBA, the funding process is virtually identical to that of any other

business loan you might pursue. In some cases, it may actually be simpler. These steps are:

You’ve just completed an important milestone for your business.

STEP 2:Next, you’ll be asked to gather somenecessary information about you andyour business. An SBA bank under-writer will review your information,so that we can better understand howthe funds will work to achieve yourbusiness objectives. Clearly definedbusiness objectives will help us whenwe present the loan package to theSBA.

STEP 4:Once your loan request is approvedby the bank, our SBA specialistswill then prepare and submit thedocumentation in accordance withSBA guidelines. Additional documen-tation needed for closing may berequested of you at this time. Youdon’t have to worry about the details;this step will be managed by your SBAteam representatives.

STEP 6:Depending on the type of loan, theclosing may be as simple as a visit tothe bank for routine paper signing; orinvolve a little more work, such as atitle company closing for a real estateloan. All borrowers and guarantorswill be required to sign documents.SBA fees and closing costs arerequired at this step.

Comerica’s SBA Loan Process

Closing & Funding• Sign Documents• Receive Funding

Congratulations.

Initial Interview• Determine Basic Eligibility• Disclose All Fees

Gather Informationfor Bank Approval• Provide Records from

your Files• Underwriter Introduced• SBA Team Assigned

Bank Approval• SBA Team Submits Request• Commitment Letter• Subject to SBA Approval

Formal SBA Approval• A Preferred Lender of

the SBA

SBA ApplicationPackaging• Formatting your SBA

Loan Request• Introduction to your SBA

Packaging Specialist• Provide Documents

Necessary for Closing

If Yes

I. SBA Forms

❒ Comerica Application for SBA Business Loan, including the enclosed Business Profile and ManagementProfile, to be completed by each partner holding 20% or more Common Stock and /or key managementpersonnel.

II. Business Financial Exhibits

❒ Fiscal year end business financial statements for prior three (3) years

❒ Business federal tax returns for three prior years, to include all supporting schedules and statements

❒ Interim business financial statement (year-to-date) — within 30 days of application date

❒ Business Debt Schedule (form enclosed), as of the same date as the interim financial statement

❒ Aging of accounts receivable & accounts payable (corresponding to dates of interim financial statements)

❒ Business Plan (for new business)

❒ Month-to-month projections covering any interim period until year end plus two full fiscal years includingthe assumptions that the projections were based upon, and a pro forma business balance sheet on newbusinesses.

III. Personal Financial ExhibitsTo be completed by each Partner, holder of 20% or more Common Stock and/or key management.

❒ Personal Financial Statement (form enclosed) for all owner(s) with 20% or more ownership interest

❒ Personal Cash Flow Statement (form enclosed)

❒ Personal Federal Tax returns for three prior years, to include all supporting schedules and statements

❒ SBA Statement of Personal History (Form 912 enclosed)

IV. Miscellaneous (as applicable)

❒ Executed or Certified Copy of Buy /Sell Agreement

❒ Copy of Franchise Agreement and Offering Circular

❒ Copy of current lease or proposed lease on Facility to be occupied (including APN if available)

❒ Copy of Contract /Bid for work to be done by Contractor, Construction Budget /Plans and Specifications

❒ Copy of Real Estate Purchase Agreement

❒ Legal Entity Documents:

• Sole Proprietorship — Fictitious Name Statement or Assumed Name Certificate, as applicable

• Corporation — Articles of Incorporation and Bylaws

• Partnerships (General or Limited) — Partnership Agreement (with all exhibits)

• Limited Liability Company — Articles of Organization Form (LLC-1) and Operating Agreement

• Trust — Trust Agreement with all exhibits and amendments

❒ Description of Collateral

❒ Other _____________________________________________________________________________

__________________________________________________________________________________

Loan Proposal ChecklistThe SBA 7(a) guaranteed loan program can be your solution to long term financing for a variety of business purposes.In order to complete our analysis of your loan request and structure a financing package that meets your company’sneeds we will need to review certain information, as itemized below. Please note that all items must contain anoriginal signature and date. For each box checked below, please provide the requested information.

❒ Land Acquisition $ ________________

❒ New Building Construction $ ________________

❒ 10% Contingency $ ________________

❒ Land and Building Acquisition $ ________________

❒ Building Improvements or Repairs $ ________________

❒ Leasehold Improvements $ ________________

❒ Machinery & Equipment $ ________________

❒ Furniture & Fixtures $ ________________

❒ Inventory Purchase $ ________________

❒ Acquisition of Existing Business $ ________________

❒ Refinance Existing Bank Loan $ ________________

❒ Other Debt Repayment $ ________________

❒ Working Capital $ ________________

❒ Closing Costs $ ________________

TOTAL $ _______________

Capital Required Down Payment Funds

❒ Personal Cash $ ________________

❒ Business Cash $ ________________

❒ Gift $ ________________

❒ Personal Loan $ ________________

❒ Proceeds from sale of assets $ ________________

❒ Other

Business Name _________________________________ Date Established _________ Tax I.D. ___________________

Current Address ________________________________ Tel ____________________ Fax ______________________

City, State, Zip ____________________________________________________________________________________

Type of Business __________________________________________________________________________________

Number of Employees: Before Loan _______________ After Loan ______________

Proposed New Address ____________________________________________________________________________

_______________________________________________________________________________________________

Current Bank and Address __________________________________________________________________________

_______________________________________________________________________________________________

SBA Loan Application

❒ Corporation ❒ Partnership

❒ LLC ❒ Sole Prop.

Business Structure

(Indicate Source and Amounts below.)

$ ________________

$ ________________

$ ________________

TOTAL $ ______________

TOTAL CAPITAL REQUIRED $__________________________

TOTAL DOWN PAYMENT FUNDS $__________________________

LOAN AMOUNT REQUESTED $__________________________

( )

List any previous SBA or other Federal Government Debt

NAME OF AGENCY ORIGINAL AMOUNTOF LOAN

DATE OFREQUEST

APPROVEDOR DECLINED

BALANCE CURRENT ORPAST DUE

MANAGEMENT (proprietor, partners, officers, directors, and all holders of outstanding stock — 100% of ownership must be shown)

NAME % OWNERSHIPTITLE

Name ________________________________________________________________ Fees Paid $________________________

Occupation ______________________________________________________________________________________________

ASSISTANCE — List the name and occupation of anyone who assisted in the preparation of this form.

AFFILIATES (List below any business concern in which the applicant company or any of the individuals listed above have any ownership.)

NAME % OWNERSHIPTITLE

• Have you or any officer of your company ever been involved in bankruptcy or insolvency proceedings?

• Are you or your business involved in any pending lawsuits?

• Are there any outstanding tax liens or judgements filed against you or your company?

• Does any applicant or their spouse or any member of their household, or any one who owns,manages or directs your business or their spouses or members of their household work for theSmall Business Administration, Small Business Advisory Council, SCORE or ACE, and FederalAgency, or the participating lender?

• Does your business presently, or as a result of this loan, engage in export trade?

• Does the company or any owner own title to a patented, trademarked, or copyrighted product?

• Does the company maintain Life Insurance on any owner or officer?

Insured _______________________________ Beneficiary ___________________________ Amount $ ___________

Insured _______________________________ Beneficiary ___________________________ Amount $ ___________

* If YES, please provide the details.

❒ ❒YES* NO

❒ ❒

❒ ❒

❒ ❒

❒ ❒

❒ ❒

❒ ❒

*

*

*

*

*

*

*

Management ProfileWho Needs to Complete?Proprietor, each partner, holder of 20% or more of common stock, and /or key management.

Name _________________________________________ Birth Date ___________ Place ___________________

U. S. Citizen? ❒ YES ❒ NO If No, give Alien Registration No. ________________ and copy of Green Card.

Home Telephone _________________________________ Social Security Number ________________________

Present Residence — From _____________________________ To ______________________________

Address ____________________________________________________________________________________

City, State, County, Zip ________________________________________________________________________

Immediate Past Residence — From __________________________ To __________________________

Address ____________________________________________________________________________________

City, State, County, Zip ________________________________________________________________________

Are you presently under indictment, on parole or probation?

Have you ever been charged with or arrested for any criminal offense other than a minor motor

vehicle violation?

Have you ever been convicted of any criminal offense other than a minor motor vehicle violation?

(*If YES, please provide the details.)YES* NO

❒ ❒

Please answer these next three questions.

❒ ❒

❒ ❒

Ethnic Background —

❒ African American ❒ Native American ❒ Eskimo/Aleutian ❒ Asian/Pacific Islander ❒ White ❒ Other

Hispanic Origin? — ❒ Yes ❒ No ❒ Puerto Rican

Military Status — From _____________________ To _____________________ Branch ______________________

❒ Veteran ❒ Vietnam Era Vet ❒ Non-Vet ❒ Disabled Vet • Discharge: Rank ___________ Honorable? Yes / No

(This data is collected for statistical purposes only. It has no bearing on the credit decision to approve or decline the application.)

DATE YOUR SIGNATURE

Management Profile continued . . .

Employment Experience for prior Ten Years (if not attached)

Employer / Location __________________________________________________________________________

From ___________________ To ___________________ Position _____________________________________

Responsibilities ______________________________________________________________________________

Employer / Location __________________________________________________________________________

From ___________________ To ___________________ Position _____________________________________

Responsibilities ______________________________________________________________________________

Employer / Location __________________________________________________________________________

From ___________________ To ___________________ Position _____________________________________

Responsibilities ______________________________________________________________________________

Employer / Location __________________________________________________________________________

From ___________________ To ___________________ Position _____________________________________

Responsibilities ______________________________________________________________________________

Employer / Location __________________________________________________________________________

From ___________________ To ___________________ Position _____________________________________

Responsibilities ______________________________________________________________________________

Education History (if not attached)

Institution __________________________________________________________________________________

Dates ________________________________________ Degree _____________________________________

Institution __________________________________________________________________________________

Dates ________________________________________ Degree _____________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

_________________________________________________________________________________________________

Business Profile

By signing below you certify that the information you’ve given with this Application is true and complete. Youauthorize us to verify your statements with any source and obtain credit and employment history (includingyour spouse’s if you live in a community property state).

Please give a brief history, including the year founded, by whom, products or services provided, and where thebusiness is located.

(If not attached)

Who are your major customers?Name Location Percent (%) of Sales

Who are your major suppliers?Name Location Product Purchased

Who are your major competitors?Name Location Competing Product

How will the SBA Loan change or aid the growth of the business?

DATE YOUR SIGNATURE

OMB APPROVAL NO. 3245-0188 EXPIRATION DATE:11/30/2004

PERSONAL FINANCIAL STATEMENT

U.S. SMALL BUSINESS ADMINISTRATION As of ,

Complete this form for: (1) each proprietor, or (2) each limited partner who owns 20% or more interest and each general partner, or (3) each stockholder owning20% or more of voting stock, or (4) any person or entity providing a guaranty on the loan.

Name Business Phone

Residence Address Residence Phone

City, State, & Zip Code

Business Name of Applicant/Borrower

ASSETS

Cash on hand & in Banks Savings Accounts IRA or Other Retirement Account Accounts & Notes Receivable Life Insurance-Cash Surrender Value Only

(Complete Section 8)

Stocks and Bonds (Describe in Section 3)

Real Estate (Describe in Section 4)

Automobile-Present Value Other Personal Property

(Describe in Section 5)

Other Assets (Describe in Section 5)

Total Section 1. Source of Income

Salary

Net Investment Income

Real Estate Income

Other Income (Describe below)*

Description of Other Income in Section 1.

(Omit Cents) LIABILITIES (Omit Cents)

$ Accounts Payable $ $ Notes Payable to Banks and Others $ $ (Describe in Section 2) $ Installment Account (Auto) $ $ Mo. Payments $

Installment Account (Other) $ $ Mo. Payments $

Loan on Life Insurance $ $ Mortgages on Real Estate $

(Describe in Section 4) $ Unpaid Taxes $ $ (Describe in Section 6)

Other Liabilities $ $ (Describe in Section 7)

Total Liabilities $

Net Worth $ $ Total $

Contingent Liabilities

$ As Endorser or Co-Maker $ $ Legal Claims & Judgments $ $ Provision for Federal Income Tax $ $ Other Special Debt $

*Alimony or child support payments need not be disclosed in "Other Income" unless it is desired to have such payments counted toward total income.

(Use attachments if necessary. Each attachment must be identified as a part of this statement and signed.)Section 2. Notes Payable to Banks and Others.

Original Current Payment Frequency How Secured or EndorsedName and Address of Noteholder(s) Balance Balance Amount (monthly,etc.) Type of Collateral

SBA Form 413 (3-00) Previous Editions Obsolete (tumble) This form was electronically produced by Elite Federal Forms, Inc.

Form SBA 413

Section 3. Stocks and Bonds. (Use attachments if necessary. Each attachment must be identified as a part of this statement and signed).

Number of Shares Name of Securities Cost Market Value Date of Total ValueQuotation/Exchange Quotation/Exchange

Section 4. Real Estate Owned. (List each parcel separately. Use attachment if necessary. Each attachment must be identified as a part of this statement and signed.)

Property A Property B Property C

Type of Property

Address

Date Purchased

Original Cost

Present Market Value

Name &Address of Mortgage Holder

Mortgage Account Number

Mortgage Balance

Amount of Payment per Month/Year

Status of Mortgage

(Describe, and if any is pledged as security, state name and address of lien holder, amount of lien, terms

Section 5. Other Personal Property and Other Assets. of payment and if delinquent, describe delinquency)

Section 6. Unpaid Taxes. (Describe in detail, as to type, to whom payable, when due, amount, and to what property, if any, a tax lien attaches.)

Section 7. Other Liabilities. (Describe in detail.)

Section 8. Life Insurance Held. (Give face amount and cash surrender value of policies - name of insurance company and beneficiaries)

I authorize SBA/Lender to make inquiries as necessary to verify the accuracy of the statements made and to determine my creditworthiness. I certify the above and the statements contained in the attachments are true and accurate as of the stated date(s). These statements are made for the purpose of either obtaining a loan or guaranteeing a loan. I understand FALSE statements may result in forfeiture of benefits and possible prosecution by the U.S. Attorney General (Reference 18 U.S.C. 1001).

Signature: Date: Social Security Number:

Signature: Date: Social Security Number:

PLEASE NOTE: The estimated average burden hours for the completion of this form is 1.5 hours per response. If you have questions or comments concerning this estimate or any other aspect of this information, please contact Chief, Administrative Branch, U.S. Small Business Administration, Washington, D.C. 20416, and Clearance Officer, Paper Reduction Project (3245-0188), Office of Management and Budget, Washington, D.C. 20503. PLEASE DO NOT SEND FORMS TO OMB.

1. Salaries, Commissions, Bonuses, or anyother income from employment (net) $ ________________ $ _________________

2. Rents received $ ________________ $ _________________

3. Dividends $ ________________ $ _________________

4. Interest Income $ ________________ $ _________________

5. Sale of Assets $ ________________ $ _________________

6. Royalties $ ________________ $ _________________

7. Distributions from Estates & Trusts $ ________________ $ _________________

8. Cash distributions from businessPartnerships, or joint ventures $ ________________ $ _________________

9. Income tax refund $ ________________ $ _________________

10. Other sources of cash $ ________________ $ _________________

TOTAL CASH RECEIVED $ ________________ $ _________________

1. Personal Expenses(Utilities, rent, household, etc.) $ ________________ $ _________________

2. Bank loans — principal & interest $ ________________ $ _________________

3. Other loans — principal & interest $ ________________ $ _________________

4. Insurance Payments $ ________________ $ _________________

5. Income taxes not covered by withholding $ ________________ $ _________________

6. Other uses of cash $ ________________ $ _________________

TOTAL CASH OUTLAYS $ ________________ $ _________________

CASH FLOW SURPLUS (DEFICIT) $ ________________ $ _________________

Personal Cash Flow Statement

Sources of Cash (Annual) Prior Year Current Year

❒ Individual Statement

❒ Joint Statement

Please provide the following information regarding sourcesand uses of cash during the calendar year and yourprojections for the current year. If a cash flow deficit exists,explain how the existing or requested debt will be serviced.

DATE

APPLICANT’S SIGNATURE

CO-APPLICANT’S (SPOUSE) SIGNATURE

Use of Cash (Annual) Prior Year Current Year

This Cash Flow Statement is a part of my financial statement:

CP03613 (03/04)

Confirmation of Joint Intent

PLEASE TYPE OR PRINT LEGIBLY

Regulation B and the Equal Credit Opportunity Act requires that a lender obtain evidence ofeach loan applicant's intent to apply for joint credit before a credit decision can be made.Failure to complete when required will render the application/request for credit incomplete.

I/we intend to apply for joint credit as borrower(s) and/or as cosigner(s)/guarantor(s) for theobligations of the borrowing entity named below. My/our income and assets will be relied uponas a basis for repayment of the loan request/guaranty for the borrowing entity listed below.

Print Name Signature

Print Name

Print Name

Print Name

Signature

Signature

Signature

PRIMARY APPLICANT/BORROWING ENTITY NAME:

APPLICANT ADDRESS:

APPLICATION DATE:

OBLIGOR #:

1ST OBLIGATION #:

2ND OBLIGATION #:

3RD OBLIGATION #:

For Internal Use Only(this section should be completed by a bank employee)

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INDEBTEDNESS: Furnish the following information on all installment debts, contracts, notes, and mortgages payable. Indicate by asterisk (*) items to be paid by loan

proceeds and reason for paying same (present balance should agree with latest balance sheet submitted). Do not include accounts payable or accrued liabilities.

Company Name _______________________________________ Date ___________________ Signature ______________________________

Business Debt Schedule

Applicant Name _______________________________________ Date ___________________ Period Covering _________________________

Projected Profit / Loss

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INSTRUCTIONS TO PRINTERSFORM 4506, PAGE 1 of 2MARGINS: TOP 13 mm (1⁄2"), CENTER SIDES. PRINTS: HEAD to HEADPAPER: WHITE WRITING, SUB. 20. INK: BLACKFLAT SIZE: 216 mm (81⁄2") � 279 mm (11")PERFORATE: NONE

4506-TFormRequest for Transcript of Tax Return

OMB No. 1545-1872(January 2004)� Do not sign this form unless all applicable parts have been completed.

Department of the TreasuryInternal Revenue Service

� Request may be rejected if the form is incomplete, illegible, or any required

First social security number on tax return oremployer identification number (see instructions)

1a 1bName shown on tax return. If a joint return, enter the name shown first.

If a joint return, enter spouse’s name shown on tax return2a Second social security number if joint tax return2b

Current name, address (including apt., room, or suite no.), city, state, and ZIP code3

Form 4506-T (1-2004)Cat. No. 37667NFor Privacy Act and Paperwork Reduction Act Notice, see page 2.

5I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING

DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT

TLS, have youtransmitted all Rtext files for thiscycle update?

Date

Action

Revised proofsrequested

Date Signature

O.K. to print

Address, (including apt., room, or suite no.), city, state, and ZIP code shown on the last return filed if different from line 34

CAUTION: Lines 6 and 7 must be completed if the third party requires you to complete Form 4506-T. Do not sign Form 4506-T if the thirdparty requests that you sign Form 4506-T and lines 6 and 7 are blank.

If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,and telephone number. The IRS has no control over what the third party does with the tax information.

5

6

7 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than fouryears or periods, you must attach another Form 4506-T.

Telephone number of taxpayer online 1a or 2a

SignHere

( )

DateSignature (see instructions)

Title (if line 1a above is a corporation, partnership, estate, or trust)

��

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the taxinformation requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner,guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority toexecute Form 4506-T on behalf of the taxpayer.

Spouse’s signature� Date

TIP: Use new Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040to order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.

part was blank at the time of signature.

Read the instructions on page 2.

/ / / / / / / /

Product requested. Most requests will be processed within 10 business days. If the product requested relates to information from a return

filed more than 4 years ago, it may take up to 30 days. Enter the return number here and check the box below. �

a

b

c

d

e

Return Transcript, which includes most of the line items of a tax return as filed with the IRS. Transcripts are generally available for thefollowing returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcriptsare available for the current year and returns processed during the prior 3 processing years

Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penaltyassessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as taxliability and estimated tax payments. Account transcripts are available for most returns

Record of Account, which is a combination of line item information and later adjustments to the account. Available for current yearand 3 prior tax years

Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year

Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data fromthese information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcrpitinformation for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example,W-2 information for 2003, filed in 2004, will not be available from the IRS until 2005. If you need W-2 information for retirement purposes, youshould contact the Social Security Administration at 1-800-772-1213

CAUTION: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.

N

99911

INSTRUCTIONS TO PRINTERSFORM 4506, PAGE 2 of 2MARGINS: TOP 13 mm (1⁄2"), CENTER SIDES. PRINTS: HEAD to HEADPAPER: WHITE WRITING, SUB. 20. INK: BLACKFLAT SIZE: 216 mm (81⁄2") � 279 mm (11")PERFORATE: NONE

Page 2Form 4506-T (1-2004)

Mail or fax to theInternal RevenueService at:

If you lived in andfiled an individualreturn:

RAIVS Team310 Lowell St.Stop 679Andover, MA 01810

978-691-6859

Maine,Massachusetts, New Hampshire,New York, Vermont

RAIVS Team4800 Buford Hwy.Stop 91Chamblee, GA 30341

678-530-5326

Alabama, Florida,Georgia, Mississippi,North Carolina,South Carolina,West Virginia, Rhode Island

RAIVS Team 3651 South Interregional Hwy. Stop 6716 Austin, TX 78741

512-460-2272

Arkansas, Colorado,Kentucky, Louisiana,New Mexico,Oklahoma,Tennessee, Texas

If you have comments concerning theaccuracy of these time estimates orsuggestions for making Form 4506-Tsimpler, we would be happy to hear fromyou. You can write to the Tax ProductsCoordinating Committee, Western AreaDistribution Center, Rancho Cordova, CA95743-0001. Do not send the form to thisaddress. Instead, see Where to file on thispage.

Privacy Act and Paperwork ReductionAct Notice. We ask for the information onthis form to establish your right to gainaccess to the requested tax informationunder the Internal Revenue Code. We needthis information to properly identify the taxinformation and respond to your request.Sections 6103 and 6109 require you toprovide this information, including yourSSN or EIN. If you do not provide thisinformation, we may not be able toprocess your request. Providing false orfraudulent information may subject you topenalties.

The time needed to complete and fileForm 4506-T will vary depending onindividual circumstances. The estimatedaverage time is: Learning about the lawor the form, 10 min.; Preparing the form,11 min.; and Copying, assembling, andsending the form to the IRS, 20 min.

5I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING

DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT

Printed on recycled paper

You are not required to provide theinformation requested on a form that issubject to the Paperwork Reduction Actunless the form displays a valid OMBcontrol number. Books or records relatingto a form or its instructions must beretained as long as their contents maybecome material in the administration ofany Internal Revenue law. Generally, taxreturns and return information areconfidential, as required by section 6103.

A Change To Note● New Form 4506-T, Request forTranscript of Tax Return, is used torequest tax return transcripts, tax accounttranscripts, W-2 information, 1099information, verification of non-filing, and arecord of account. Form 4506, Request forCopy of Tax Return, is now used only torequest copies of tax returns.

InstructionsPurpose of form. Use Form 4506-T torequest tax return information. You canalso designate a third party to receive theinformation. See line 5.

Signature and date. Form 4506-T must besigned and dated by the taxpayer listed online 1a or 2a. If you completed line 5requesting the information be sent to athird party, the IRS must receive Form4506-T within 60 days of the date signedby the taxpayer or it will be rejected.

Individuals. Transcripts of jointly filedtax returns may be furnished to eitherspouse. Only one signature is required.Sign Form 4506-T exactly as your nameappeared on the original return. If youchanged your name, also sign your currentname.

Corporations. Generally, Form 4506-Tcan be signed by: (1) an officer havinglegal authority to bind the corporation, (2)any person designated by the board ofdirectors or other governing body, or (3)any officer or employee on written requestby any principal officer and attested to bythe secretary or other officer.

Partnerships. Generally, Form 4506-Tcan be signed by any person who was amember of the partnership during any partof the tax period requested on line 7.

All others. See section 6103(e) if thetaxpayer has died, is insolvent, is adissolved corporation, or if a trustee,guardian, executor, receiver, oradministrator is acting for the taxpayer.

Where to file. Mail or fax Form 4506-T tothe address below for the state you lived inwhen that return was filed. There are twoaddress charts: one for individualtranscripts (Form 1040 series) and one forall other transcripts.Note: If you are requesting more than onetranscript or other product and the chartbelow shows two different service centers,mail your request to the service centerbased on the address of your most recentreturn.

Chart for individualtranscripts (Form 1040 series)

RAIVS TeamStop 38101 Fresno, CA 93888

559-253-4992

Alaska, Arizona,California, Hawaii,Idaho, Montana,Nevada, Oregon,Utah, Washington,Wyoming

RAIVS TeamStop B41-6700Kansas City, MO64999

816-823-7667

Delaware, Illinois,Indiana, Iowa,Kansas, Michigan,Minnesota, Missouri,Nebraska, North Dakota, South Dakota,Wisconsin

RAIVS Team DP SE 135 Philadelphia, PA19255-0695

215-516-2931

Connecticut,District of Columbia,Maryland, New Jersey,Pennsylvania, aforeign country, orA.P.O. or F.P.O.address

Mail to theInternal RevenueService at:

If you lived in:

RAIVS Team Mail Stop 6734 Ogden, UT 84201

801-620-6922

Alabama, Alaska,Arizona, Arkansas,California, Colorado,Florida, Georgia,Hawaii, Idaho, Iowa,Kansas, Louisiana,Minnesota,Mississippi,Missouri, Montana,Nebraska, Nevada,New Mexico, North Dakota,Oklahoma, Oregon, South Dakota,Tennessee, Texas,Utah, Washington,Wyoming

Connecticut,Delaware, District ofColumbia, Illinois,Indiana, Kentucky,Maine, Maryland,Massachusetts,Michigan, NewHampshire, NewJersey, New York,North Carolina,Ohio, Pennsylvania,Rhode Island, SouthCarolina, Vermont,Virginia, WestVirginia, Wisconsin

RAIVS TeamP.O. Box 145500Stop 2800F Cincinnati, OH 45250

859-669-3592

Chart for all other transcripts Documentation. For entities other thanindividuals, you must attach theauthorization document. For example, thiscould be the letter from the principal officerauthorizing an employee of the corporationor the Letters Testamentary authorizing anindividual to act for an estate.

RAIVS Team5333 Getwell Rd.Stop 2826 Memphis, TN 38118

901-546-4175

Ohio, Virginia

Line 1b. Enter your employer identificationnumber if your request relates to abusiness return. Otherwise, enter the firstsocial security number (SSN) shown on thereturn. For example, if you are requestingForm 1040 that includes Schedule C(Form 1040), enter your SSN.

Routine uses of this information includegiving it to the Department of Justice forcivil and criminal litigation, and cities,states, and the District of Columbia for usein administering their tax laws. We mayalso disclose this information to Federaland state agencies to enforce Federalnontax criminal laws and to combatterrorism.

99

Return Executed Copies 1, 2, and 3 to SBA

United States of America

SMALL BUSINESS ADMINISTRATION

STATEMENT OF PERSONAL HISTORY

OMB APPROVAL NO.3245-0178Expiration Date:9/30/2006

Please Read Carefully - Print or TypeEach member of the small business or the development company requesting assistancemust submit this form in TRIPLICATE for filing with the SBA application. This form mustbe filled out and submitted by:

Name and Address of Applicant (Firm Name)(Street, City, State, and ZIP Code) SBA District/Disaster Area Office

Amount Applied for (when applicable) File No. (if known)

1. Personal Statement of: (State name in full, if no middle name, state (NMN), or if initialonly, indicate initial.) List all former names used, and dates each name was used. Use separate sheet if necessary.

First Middle Last

2. Give the percentage of ownership or stocked owned

3. Date of Birth (Month, day, and year)

4. Place of Birth: (City & State or Foreign Country)

U.S. Citizen? YES NO

If non- U.S. citizen provide alien registration number:

Address:

Present residence address:From:

To:

Home Telephone No. (Include A/C):Business Telephone No. (Include A/C):

Address:

Most recent prior address (omit if over 10 years ago):

From:

To:

PLEASE SEE REVERSE SIDE FOR EXPLANATION REGARDING DISCLOSURE OF INFORMATION AND THE USES OF SUCH INFORMATION.

IT IS IMPORTANT THAT THE NEXT THREE QUESTIONS BE ANSWERED COMPLETELY. AN ARREST OR CONVICTION RECORD WILL NOTNECESSARILY DISQUALIFY YOU; HOWEVER, AN UNTRUTHFUL ANSWER WILL CAUSE YOUR APPLICATION TO BE DENIED.

IF YOU ANSWER "YES" TO 6, 7, OR 8, FURNISH DETAILS ON A SEPARATE SHEET. INCLUDE DATES, LOCATION, FINES, SENTENCES, WHETHERMISDEMEANOR OR FELONY, DATES OF PAROLE/PROBATION, UNPAID FINES OR PENALTIES, NAME(S) UNDER WHICH CHARGED, AND ANYOTHER PERTINENT INFORMATION.

7. Are you presently under indictment, on parole or probation?

Yes No (If yes, indicate date parole or probation is to expire.)

8. Have you ever been charged with and or arrested for any criminal offense other than a minor motor vehicle violation? Include offenses which have been dismissed, discharged, or not prosecuted (All arrests and charges must be disclosed and explained on an attached sheet.)

Yes No

9. Have you ever been convicted, placed on pretrial diversion, or placed on any form of probation, including adjudication withheld pending probation, for any criminal offense other than a minor vehicle violation?

Yes No

10. I authorize the Small Business Administration Office of Inspector General to request criminal record information about me from criminal justice agencies for the purpose ofdetermining my eligibility for programs authorized by the Small Business Act, and the Small Business Investment Act.

CAUTION: Knowingly making a false statement on this form is a violation of Federal law and could result in criminal prosecution, significant civil penalties, and a denial of your loan,surety bond, or other program participation. A false statement is punishable under 18 USC 1001 by imprisonment of not more than five years and/or a fine of not more than $10,000;under 15 USC 645 by imprisonment of not more than two years and/or a fine of not more than $5,000; and, if submitted to a Federally insured institution, under 18 USC 1014 byimprisonment of not more than thirty years and/or a fine of not more than $1,000,000.

Signature Title Date

Agency Use OnlyFingerprints Waived

Date Approving Authority

Fingerprints Required

Date Sent to OIGDate Approving Authority

11.Cleared for Processing

Request a Character EvaluationApproving Authority

12.

SBA 912 (10-03) SOP 5010.4 Previous Edition Obsolete This form was electronically produced by Elite Federal Forms, Inc.

1.

2.

3.

By the proprietor, if a sole proprietorship.

By each partner, if a partnership.

By each officer, director, and additionally by each holder of 20% or more of theownership stock, if a corporation, limited liability company, or a development company.

PLEASE NOTE: The estimated burden for completing this form is 15 minutes per re sponse. You are not required to respond to any collection of information un less it displays a currently valid OMBapproval number. Comments on the burden should be sent to U.S. Small Business Administration, Chief, AIB, 409 3rd St., S.W., Washington D.C. 20416 and Desk Officer for the Small BusinessAdministration, Office of Management and Budget, New Executive Office Building, Room 10202, Washington, D.C. 20503. OMB Approval 3245-0178. PLEASE DO NOT SEND FORMS TO OMB.

Social Security No.or to be owned in the small business or thedevelopment company

Name and Address of participating lender or surety co. (when applicable and known)If No, are you a LawfulPermanent resident alien:

YES NO

6.

5.

13.

(Required whenever 7, 8 or 9 are answered "yes" even if cleared for processing.)

Date

Date Approving Authority

Form SBA 912

The following is a brief summary of the laws applicable to this solicitation of information.

Paperwork Reduction Act (44 U.S.C. Chapter 35)

SBA is collecting the information on this form to make a character and credit eligibility decision tofund or deny you a loan or other form of assistance. The information is required in order for SBA tohave sufficient information to determine whether to provide you with the requested assistance. Theinformation collected may be checked against criminal history indices of the Federal Bureau ofInvestigation.

Privacy Act (5 U.S.C. § 552a )

Any person can request to see or get copies of any personal information that SBA has in his or herfile, when that file is retrievable by individual identifiers, such as name or social security numbers.Requests for information about another party may be denied unless SBA has the writtenpermission of the individual to release the information to the requestor or unless the information issubject to disclosure under the Freedom of Information Act.

Under the provisions of the Privacy Act, you are not required to provide your social securitynumber. Failure to provide your social security number may not affect any right, benefit or privilegeto which you are entitled. Disclosures of name and other personal identifiers are, however, requiredfor a benefit, as SBA requires an individual seeking assistance from SBA to provide it with sufficientinformation for it to make a character determination. In determining whether an individual is of goodcharacter, SBA considers the person’s integrity, candor, and disposition toward criminal actions. Inmaking loans pursuant to section 7(a)(6) the Small Business Act (the Act), 15 USC § 636 (a)(6),SBA is required to have reasonable assurance that the loan is of sound value and will be repaid orthat it is in the best interest of the Government to grant the assistance requested. Additionally, SBAis specifically authorized to verify your criminal history, or lack thereof, pursuant to section7(a)(1)(B), 15 USC § 636(a)(1)(B). Further, for all forms of assistance, SBA is authorized to makeall investigations necessary to ensure that a person has not engaged in acts that violate or willviolate the Act or the Small Business Investment Act, 15 USC §§ 634(b)(11) and 687b(a). For thesepurposes, you are asked to voluntarily provide your social security number to assist SBA in makinga character determination and to distinguish you from other individuals with the same or similarname or other personal identifier.

When this information indicates a violation or potential violation of law, whether civil, criminal,or administrative in nature, SBA may refer it to the appropriate agency, whether Federal,State, local, or foreign, charged with responsibility for or otherwise involved in investigation,prosecution, enforcement or prevention of such violations. See 56 Fed. Reg. 8020 (1991) for otherpublished routine uses.

NOTICES REQUIRED BY LAW

If your application for business credit from Comerica is denied, you

have the right to a written statement of the specific reasons for denial. To

obtain the statement, please write to the following address within 60

days from the date you are notified of our decision:

Comerica BankMail Code 4855

333 West Santa Clara StreetSan Jose, California 95113

We will send you a written statement of reasons for the denial within

30 days of receiving your request for the statement.

The Federal Equal Credit Opportunity Act prohibits creditors from

discriminating against credit applicants on the basis of race, color,

religion, national origin, sex, marital status, age (provided the applicant

has the capacity to enter into a binding contract), because all or part of

the applicant’s income derives from any public assistance program, or

because the applicant has in good faith exercised any right under the

Consumer Credit Protection Act. The federal agency that administers

compliance with this law concerning Comerica Bank is:

Federal Reserve Bank Of Chicago

230 South LaSalle Street, Suite 2700

Chicago, Illinois 60604

Disclosure