Common use of Lenders’ Certification Clause in Contracts

Lenders’ Certification. I certify to the Rural Center that the loan represented by this Application for Participation is approved subject to terms specified. Without the Rural Center's participation, as requested, we would not be willing to make this loan, and in our opinion the financial assistance requested is not otherwise available on reasonable terms. I have reviewed and verified the information in the Borrower's Project Proposal, Borrower’s Certification and the documentation supporting this Application for Participation. I certify, to the extent of my knowledge that the borrower is eligible (for the purposes of this program), the proceeds will be used for an eligible purpose in North Carolina and the owners and managers of the borrower business are of good character. In addition, I certify that the loan is not being made in order to place under the protection of the N.C. Loan Participation Program prior debt that is not covered under the N.C. Loan Participation Program and that is or was owed by the borrower to the lender or to an affiliate of the lender; that the loan is not a refinancing of a loan previously made to that borrower by the lender or an affiliate of the lender; and that the lender is not attempting to enroll the unguaranteed portions of SBA-guaranteed loans. Date Certifying Lender Signature Printed Name: Title RURAL ECONOMIC DEVELOPMENT CENTER, INC LOAN PARTICIPATION PROGRAM EXHIBIT E Lender Name NON-SEX OFFENDER RECERTIFICATION As required by the US Treasury under Section 3011(c)(2) of the Small Business Jobs Act of 2010, this annual recertification must be provided from any private entity receiving financial assistance using funds received by a participating State under the State Small Business Credit Initiative. This recertification will become part of the Master Participation Agreement between the Lender and the NC Rural Center.

Lenders’ Certification. I certify to the Rural Center VSBFA that the loan represented by this Lender’s Application for Participation is approved subject to terms specified. Without the Rural CenterVSBFA's participation, as requested, we would not be willing to make this loan, and in our opinion the financial assistance requested is not otherwise available on reasonable terms. I have reviewed and verified all of the information in the Borrower's Project Proposalloan application, BorrowerXxxxxxxx’s Certification and the documentation supporting this Application for ParticipationApplication. I certify, to the extent of my knowledge that the borrower is eligible (for the purposes of this program), the proceeds will be used for an eligible purpose in North Carolina Virginia and the owners and managers of the borrower business are of good character. In addition, I certify that the The loan is has not being been made in order to place under the protection of the N.C. Loan Participation Program approved state program prior debt that is not covered under the N.C. Loan Participation Program approved state program and that is or was owed owned by the borrower to the lender Lender or to an affiliate of the lender; that the Lender. The loan is not a refinancing of a loan previously made to that borrower by the lender Lender or an affiliate of the lender; and that the lender Lender. The Lender is not attempting to enroll the unguaranteed portions of SBA-guaranteed loans. Name of Lender Certifying Officer Signature Title Date Certifying Lender Signature Printed Name: Title RURAL ECONOMIC DEVELOPMENT CENTERVIRGINIA SMALL BUSINESS FINANCING AUTHORITY STATE SMALL BUSINESS CREDIT INITIATIVE CASH COLLATERAL PROGRAM BORROWER'S AGREEMENT and APPLICATION THIS AGREEMENT (the “Borrower Agreement”) is dated , INC LOAN PARTICIPATION PROGRAM EXHIBIT E Lender Name NON-SEX OFFENDER RECERTIFICATION As required 20 , and is given by the US Treasury under Section 3011(c)(2(“Borrower”), whose address is ; and by , guarantor(s) of the Loan described below (collectively, “Guarantor”); and is for the benefit of , (“Lender”) and the Virginia Small Business Jobs Act Financing Authority (“VSBFA”). Borrower's Contact Information: Name and title of 2010, this annual recertification must be provided from any private entity receiving financial assistance using funds received by a participating State under the State Small Business Credit Initiative. This recertification will become part of the Master Participation Agreement between the Lender and the NC Rural Center.individual: E-mail address Phone #

Lenders’ Certification. I certify to the Rural Center that the loan represented by this Application for Participation is approved subject to terms specified. Without the Rural Center's participation, as requested, we would not be willing to make this loan, and in our opinion the financial assistance requested is not otherwise available on reasonable terms. I have reviewed and verified the information in the Borrower's Project Proposal, BorrowerXxxxxxxx’s Certification and the documentation supporting this Application for Participation. I certify, to the extent of my knowledge that the borrower is eligible (for the purposes of this program), the proceeds will be used for an eligible purpose in North Carolina and the owners and managers of the borrower business are of good character. In addition, I certify that the loan is not being made in order to place under the protection of the N.C. Loan Participation Program prior debt that is not covered under the N.C. Loan Participation Program and that is or was owed by the borrower to the lender or to an affiliate of the lender; that the loan is not a refinancing of a loan previously made to that borrower by the lender or an affiliate of the lender; and that the lender is not attempting to enroll the unguaranteed portions of SBA-guaranteed loans. Date Certifying Lender Signature Printed Name: Title RURAL ECONOMIC DEVELOPMENT CENTER, INC LOAN PARTICIPATION PROGRAM EXHIBIT E Lender Name NON-SEX OFFENDER RECERTIFICATION As required by the US Treasury under Section 3011(c)(2) of the Small Business Jobs Act of 2010, this annual recertification must be provided from any private entity receiving financial assistance using funds received by a participating State under the State Small Business Credit Initiative. This recertification will become part of the Master Participation Agreement between the Lender and the NC Rural Center.