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Page 1 of 9
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Funk Credit Kh klstnual

$trtiart :x,07 - i cans Secured by Marketable 4ccurities REVISLt> August 2Ott5

Section S,07 - Loans Securesl hs Markrttttsle Securities

1ntrottuction

fills S tan Qa\erc loans to consuin,,r and httsinc s burrs eis that are
-cured hs' marketable financial assets such as sticks. bsnds and
mutual funds-
Policy



Loans secured hs propetlti rnarrirned, readidi stark tsblc sc unties arc
tlc;drable loans, [t is the recponsihtlitti of the re lalium ship manager
tR\tt or Consumer L_ -arn Pon olio Manager of the Retail Bank to
understand the nature of the sk curities tak tt as collateraa. l he valtt~m.rof
ceurittes securing loans of this ispe sill he monitored at bast month!.
to insure adequate maroons Ttx..c loans require a hi d,) degree. of
commitrnem from the R'.l or Consumer 1-can P'octfalio Stanacer to
rcr ice the account and to monitor the collateral in a timets and
ccR cientio s manner. Rorrossets sstIl be routincls informed that the
pl c of additional collateral, principal reduction or retirement of the
debt s=ia collateral liquidaliort must promptly iemeds margin rtftlls.
Compass Bank sill exercise control over the collateral through actual
possession Or a control agreement ssith a custodian.
if a l secured bi tit~irl:etaL"le securities caitt~t or sill not be
monitored in accordance with this poke., then the loan should be
approved under the lenders unsecured Ieading authority.
Advanez rate hmitationa of Ftderat Rcscrs c Board Regu lati,i i . U" will
bc&scr%cd in all caws,
Exttnsiuns oferedit s ured by marketable sttisirities should be
gnkcrncd by either a titan agreement, Iciteragreement or Collateral
maintenance aurcement that establishes- among otherthinnsr dcfauft
and liquidation ratios and a provision for a cure period. t4nads ancc
rate ratio level lksver than the default ratio may be appropriate to alloys
  some market variance- Generally. a cure period of no more than
live (''t businescs dii s is recommended ssith the exception of the
liquidation ratio. there the cure period should be Ilk, s reiuer that one
l) bttsittr s dsv. Tlxst ratios should not he less than those retlected %n
the *Rcquircd Margins' scakin of this potic,._

References

Federal RcSertie Board pruulatiurt U: Credit hs Barst;s of 'er nsttthcr
than Brokers oTr Dealers for the Purpose . i' Ptsrcha-dn r e Cact i
Maresri Stocks

Exhibits

Exhibit -K"- Federal Resrrrve Rrrttrd U-1 Farm
Exhibit,,.N" _. Rgsiretedd Stuclr. (Irkhct

Related Policies

Section 5. 01 C otisnmcr Loans- Common Cotnsid crat ions

Rc utatlott T'

  *ulaflon U sets out re4urireitients for lenders skho extend credit
secured by iturgin stocik. It restricts die amount of cresiit that may be
extended for dw purpose otptuch t ing or tarrying matyin securities

5.O7-l

LBF005-00081

GOVERNMENT
EXHIBIT
  272
  Crim. No. H-04-25 (S-2)


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Page 2 of 9
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11tanik C_'redit Polio A 1anua

Sect iion.;JFJ7-Loans Secured It w NJsrJ.etalilt Seeurtlt is j R1 ISLI) August 2005

(pwT*se %:redit) to 51) pet cent of the current mark ct saIuc of the it-tar uin
stack if the credit is s ur 1 directly ire irtdirectJy y that stock or Grit
tuner margin stock . A fin;tncrtl i stituti n ittay continue to maintain
any credit initially extended in compliance is ith there ulat in
regardless of a reduction in the customer's aquity resulting from a
chrtnve in market trice or a cfrarrge in the status of the security securin
the purpose credit.
purpose credit loans that arc unsecured are also co%tired by Regulation
U, If an unsecured purpncc credit loan is made to the same customer
subsequent to a margin stock secured purpose crcdit loan, then the
combined credit extended for tooth loans cannot eke ened the 50 rerceiit
tnaxirnurrt loan value, tithe unsecured purpose credit kit %%as made
previous to the man ,-in stock secured purpose credit loan, then upon
cxtcn_u;ion of the margin stc*ek scanted purpose credit trartm~ticm, the
credits arc to be combined treated as a Single credit under
Regulation U.
Co%crcd loans include an-, Iran--action directty or indirectly secured
bs margin stock that alloo s the borresrter to maintain, reduce, or retire
debt originally incurred to p rchase a security that is curtently a margin
stoxA_ indirectly secured transactions include trans;sc:tians covered hp
niort-encurnhrathe agreements rather than a direct pledge
Nlargin stocks include the fotio;tcinc-
r Any equity security trading ?n a n;tiional sccrinities cxch n e
including ail issues traded son the Ness York Sto4ck Eseh take t \'i SL),
or the American Shock Exchange t\SF };.
 Any iver-tire-counter (OTC) security trading in the National Market
tier of the NASDAQ Stock Market.
 Ans debt :secuors contienihte into a margin stock or carmine a
warranter right to subscribe to nor purchase a margin stock,
 Shares of most mutual funds, unless 95 percent of the assets ofthe
fitted are ntinuousls invested in 1-!,S. imvcrtimcnL *=c-),- state, or
mwtitipal oblii ations,
Regulation U has taco important requirements roe the Bank and
relationship Mina ers'.
  The telatiottsltip trariaaer must` obtain from the bt rrow-er, and
ccunpictcc a purposee statement. form U-1 1 see Exhibit "K"), for each
loan secued margin stccL Mqh the borri.mer and the relationship
manager trust sign the form. The form is not filed with the Federal
Reserve, but must be retained for at least three 'se'ars after the
termination of the credit. A copy of the t'-I form should be retained
'i0tlt the collateral file for this purpose.
 The relationship manager must adhere to margin requirements of 50
percent for all purpose loans iecured bi: margin stock. A purpose.
Icon is any crcdit for t.tie purpose. u}tether immediate, incid tal, or
ultimate. of buying or carrying margin stock.
A nun-purpose ban is a loan made fur any purpose other loran
purchasing cararry~ing, margin stock. Regulation t.' places no
restrictirrt on the amount of credit that may lie extended on non-

5A7_2

LBF005-00082


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Page 3 of 9
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Comj ss 8k Credit ftlicv Nts~nuat
  ectioa Loans Secured b}' Nlarketable Securities ~ REVitill August GD
ptlrpKose loans securti d by marain stack. Sec '`Required \irtrgins-
scction of this pottcs for the Bank's limits,

Penalties for recto contplianci are serene. K uir tents vhf Regulation
L 'v ill be strictly observesl,

Atrteptahlr Secu rules

tt'htn debt or quit} se urities are ltcld as collatcrah the securities
.should have the foltuvsinL char, rrtati, to be considered dciirable
col taicra t:
  Is_ ued by a qua he corporation or b} a federal, state, or h .tl
Overnrucnt emit},
+ Publicly priced and traded an one ofthe niaio'or national ecunties
exchttttges
 Supported b} a broad, actise, liquid market where the seine
value at the #2-week loss is greater titan Si a per share.
The ft lhtvvirtg tspes (if stocks and securities have features that litnit
their value as collateral. Loans secured with this type of collateral
should be underwritten with pnnrar} emphasis on the financial
strength. repayment eapacin and stabilio of the borro%vr-
 Debt and preferred stockith Ics,, than ins csrnrcnt grade ratings,
 S uritics that are r rioted as to their rn trkctabelity,
  Stock in a company that is not publicly traded.
Closely her or unlisted stogy.
Neat-registered eeorit es.
  Stacks w searading value reflects light trading and whose 52-3+ k
k w is less ti t. S l ft per shire-
  fled Funds.
a Actively ThTraded countss not managed b r Compass Brokerage
It is tthe espenxibilit% oof the relationship Tuanaster to ull} and tand
the nature oftliesecuritr taken as collateral.
firable securities include:
   Stocks traded on the \I SE, AASE nd N NASDAQ National arket
System
   US vernmeot Obligations
   State. count} .arid municipal obligations rated '11,,Wo or tter
Corporale obligations rated `A' or better
Over the counter stocks that are not traded on the NA1-%%D,National
arket Sti st et should he ev altsated nn a vasi h} -case tsa is. Factors
such as historical price volatilirs, average daily trading, volume and the
numberofstockholderc should be evaluated. 'This investigation should
be documented in the underwriting memo. Os r the counter stocks
sshould e depended upon as collateral oonly f this investigation
provides a high degree of certainty that the volume of stock taken as
c collateral an be readily ligvidated over a short period of time.

5-07-3

LBF005-00083


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Page 4 of 9
=============

Lei ri s BanL Credit Folics-Manusil
Section.'; r+ U7 - I oases Securest ttj'4tttrketntrte tircnrttice ELF NISEti August 200

Sccmitics. such az collaturalized m+.rrteaee obligatiurtt. notes supported
Em sccuritizcd loans and similar asset ba:kcd srcuritics are not
generally acccptablc as collateraL These securities generate
unpredictable distributions to the owner as the undcrls in loans aic
repaid. This return of prirx.ipal causes the value of the security- to
decline at an unprredictahte and sfertetim rapid rate.
Closrl} held or illiquid stacks, unrated debt instruments and annuities
are not to be regarded as niarketahle securnies within the contest of this
polio.

Restricted Stock.

It is alSi) lolin-irtattt to hinvestlizate and understand any r strictions placed
on the sale of stock owned by insiders of the issuer. Rule 144 of the
Sg unties Act of 1933 covers the sate of control securities and
restricted securities. These is pes of securities are rt rt recommended as
ciil.laatrrat and it is important to knots that there arc restrictions placed
on the. sale of these stocks.
If ti situation arises where the Bank is considering takin ; this t- pc of
stock as collateral, the ank's Lc a1 Department should be eansttlic~l
regarding these restrictions and t e impact to the Bank in the event
liquidation b comes nicessar . If a decision is made to take this stock
a collateral, the advance rate must not be greater than 50 percent; the
default ratio ?3 pet,;ttnt; and the liquidation ratio 60 pert rte.
Control .cunties are wined by directors, officers ar individuals wh'o
own 10"0' or more of any tppe of csuistandirtg securities c f a company
for frnaricially dependent relatives of such individuals). Individuals
who hove a control relationship with an issuer arc considered affiliated
persons, Restricted securities are those acquired thn-suth sonic means
other than a registered public offering. A scourit} purchased in a
private placement is a restricted security Fshihit 4 s ' tricte }
Sec :k Checklist should be used to identify when rio k niziv be a
restricted olconfml stoc .

Loans of more than S$00.i)Otl -ccured' by restricted stock must Se
approved b  an individual with Class -8- or h : olter lending authority.

Required Margins

ictatinwm advance rate,. nn loans secured by rnart,;etrtbie -securities will
sue, based on the quality and liquidity of the culhiterrl.
All logs secured by eeniticated marketable securities .sill be set up
for tracking on the Stock Margin System unless specifically exempted
by an individual with adequate authorith to approve the loan on an
ten. cured basis.
'I lie Rte or Consumer Loan Portfolio ,Mla nager is specifically
resp onsible for re.'iesvin3 and evaluating margins ors anW loan scoured
bs marketable securities- This review should be performed no lcss t
tnoothly and more frequently if cir:umstances war-
rant-Unless further restricted by Regulation 'U', maximum loan to satuc for
the various types ofsecuritiesarc as 3oltois

5.0'7-4

LBF005-00084


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Page 5 of 9
=============

ct anuai

Mina :5.0? -loans cured by N1arketatrle Securities RE N IS :D August2

	Advance	Default	Liquidation,
	mate	Ratio	Ratio
Compass Ran'-shares Stock &04		
NYSE, AMEX. NASDAQ l eJ `	g v	$ *.
ittL'~3		
i
\wSl)kQ Smut Capitahzaiion	.,
r n o		
Issues tOTCI - Non-investment	f
less	less	80%, or less
grade			
I_iS Government Ohlig, lions k			i
!, securtttesAgcneies			
i State:, County, & Municipal			
Obligations stint a $ntk,4 Of 1 aa"	80.a	85'r,	tX1
or better			
Corporate hg ions brids rids rated
.	S(i	Its	9#l~'m
A' or better			
Corp era g Qbligatinnstrorids rated	60%	70	80%
below .Ar			
i futuai Funds	70	75	S0?%.
Rtitricted or' Limited	5 tx	5	;
Markclability iii			
l'entty' Stocks (Stock" attled at			
under 5l0 per sure on 52-m eel:	25%	3:5	50 .
aveme) (3)			
Actively Traded Accounts (4)	5U a	55%	6
All Regulation 1. Tram actions	;tee	(1)	f2)

t l I See-Acceptable policy regarding rzs#riction .
t-1 Detainee and Liquidation Rotates of Regulation l: transwions should be the
consistent with the type of security, and ccviply vsitft the ratios indicated in the
abos c table.
(31 ) Sticks valued at under S5 per shy on 52-vscek avcim c arc nut cligibIc
under this policy and 3.houtd not be to ett a~ collateral, unless loan is
approved under unsecured lending authority.
(4) Actively Traded Accoiunts arc defined az invcstrncnE bruLera e accotzats
where trading is allowed and the sto.. .investment mix is subject to than, e
at any tine,
  Loartsthat exceed these margin Iimitirtion dtic to price lluctunti rns atre
to be promptly brought back into margin. Remedies include a principal
reduciinn. the pledge of additional collateral or liquidatieat (if c&llawral
to repay the lean.
  The risks associated ovule a ctiveh traded accounts in is loch Combs
exerts no control over trading should be carefully evaluated. Advari e
rates iq exce , of those outlined in this section require special approval.
The tc pea of exceptions will typicall1 be made only on aeruunts that
are profession-ally managed skith a formally stated investment
  philosophy than provides a high degree of certainty with resrct to the

5 .O7-

LBF005-00085


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Page 6 of 9
=============

'orit sass rnk Credit Policy Ntanunt
  ctltml 07 - Loans Secured In Marketable Sc utrU ti 7ltLVISE'D August ;00

i}pes of assets that are likely to be held in the account. Loon
Administration must approve all exceptions to the advance rate
lintittitions on o tiveh traded accounts.

Control of Collateral

Perfection of a security inicrost in marketable securities requires the
filinu of an C.+CC- I fiiinr statement nd the eyerci_sc of control os er the
securities. In the case of ecrtilicated see unties, this comtr?I is aclucscd
b}' ph}`sic-al pcnsession of the securities.
\1 hen pc?ssble certificated marketable s4itrities ssll be converted tine
a bO enitV' transaction and held in an internal NAeratte accounL
This snitl gain much efcicnc} and gise the Bank greater control os rr
the collateral to prevent loss due to fraud, stock split., etc.
Ifphysical securities are held, the} must b: held in the Safekeepin
dcparunrnt. Tlit ciecisis~rt icy hold ph} si.al sz c uritizs outside of ttie
Safekeeping Department is an eyception to this polio and must be
approved by Lean Adntinistratioo,
lei the case of unce tiflicated sectarities. either of the follossing is
rcquircd_ a) the account is put in the Banks name orb) a control
aglrMlnent is ezeeuted by the Bank, the hom')sscr and the brokerage
firm- The 13ank.'s control agreement should be used and executed by
an officer of the Bank, the borrower and a repre=.entatis e of the
brokerage firm. In the event That the brokcraee firm insists that their
control aimeat eat be used, it will he considered in excetWitm to this
polic~. The Bank's legal ek unscl should be consulted pvkrt to execttt t
ofthc third pare}' contrci agreement a.ttd Loan Administration must
approve the use of the third-party control agreement- A simple bailcc
letter is notsuft"icient to establish control.
Furthcrnio , loans of SS04),(X CO or more secured by aetiveh trim
accounts held at institutions other than Compass Brokerage roust be
approved by an indi%iduad with Class'B` lending authority,

Liquidation Process'

it is-thr Bank's polio' to a lltiss market movement in stocks and
securities valued as a collateral abet. "l hereiiire, the Bank t put in
place _default and liquidation ratios to protect the bank front abnormal
market declines- The relationship manager must monitor these ratios.
llforeos CT. cure periods must be designated at each Des el prior to the
liquidation ratio. No cure period be}rend one t 1) business day should
  provided once a security leas reached or exctedcd the liquidation
ratio. Further. if the liquidation ratio is met during a cure period
actin cie undcr'say i tin e t5') day cure period for default ratios. the
liquidation ratio supercedes anal (lie bank should have immediate rights
(one( l) business das. cure period) to sell the stock or securities w tfa no
further notice required
In the tisent that a def fit or liquidation ratio has been met, the
relationship nuutager must immediately revies-all documentation t _
elision adequacy. T erelationshipmanager must also notif} wit
At oinistration and the Compass Bank Legal l)epartnaent and
irtimediarety begirt the process of liqut`drazicw. Tile liquidation process
should in ludt appropti tc notification to the Httrrtxsvcr, as advised by

5.07-6

LBF005-00086


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Page 7 of 9
=============

Crrdit Polies` Mlanual

SeC#inn SSt7-Loans Soured h% Ilucketahle S raritir ' REVISLI) August 2005

icgal counsel, and consultation with Compass Bmkcragc as liquidation
agcnt. Proceeds /ions the ligttidation will be placed into a spccificall~
designated Compass Bank account and debited fix repay rn nt of the .
subject loan within the most expedited tin efriune possible- Anx
  _oar
deviation fro" this polics' requires the approt al of
Administration,

tf the securities arc not held by Compass flank. then the broker is to
notified and instructed in tisritin to sell t e sca.uritie-s and sire the net
ptr-rceeds into a specifically desi4*nated Compass Bank a tuint to be
debited for repay niettt of the subject lnan_

Lost & Stolen Seeuritirs

The rdtttionship manger shall determine shether or not securities
aken as collateral have been reported as missing- lost. counterfeit or
stolen, in all instances sthcrc the aeuregatc face saluc tin the case of
bortds1 or market value (in the case of stocksi of the securities to be
used as collateral is greater than $l0,0}6Ct. fhe inquiries arc to be mask
to Securities Information enter ("SK-') or its deskznec and is to be
do srncnted in the bank's re`ords`credit lilts
The Securities and Exchange Commission requires that inquiries be
made .chcncvcr a sccurits is presented that is in bearer farm, stmt
name or registered to a third partti , Inquiries arc to be made to the
  eurity Clearance area of the SaffekeepingDepartment. Csen .sl
not required, an inquiry is recommended in any easc sshcrc the
borrower is notsseli knotsn.

Exeelstiotss

The requiremerntt of Re ulatictn L nr mitt be rsais cd. rlit de iatitttt
from the "Liquidation l'rcce s' c't9clitt of this policy requires at
minimum the approval of Loan Administration. As indicated in the
"`Control of Coliat rarsectionrL.oan Administration must approve if
physical stcurixie-s to be held and if the securtir are held outside of
the Safekeeping. Depittt rl

Individuals ssith Class `C' or higher leasing authority may snake,
exceptions other than thosc indicated ,v e to this polic) uJihin their
unsecured dollar lending limits.

5,7.7

LBF005-00087


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Page 8 of 9
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FfF 1 ,
O LEr;. 71Gs:7-Gt15

BOARD OF GOVERNORS OF THE, FEDERAL RESERVE SYSTEM

Statement of Purpose for an Extension of Credit Secured by Margin Stack
(Federal Reserve Form U-1

Ttusr ease rnfVy w@15USX 15784 #Tbw.'iC'"n.?~, i_tgrc ;r,g x amry.r:cc, .x c':nt-.rma~xnese_: to a.c*ae
!C n-.cn~!.ra t._ rr: ar kt. + tilu~.n?y 1t'e i.n"e :o get*aer aw, r^duntain aarx is .f.a.
'{rye 4:0drrad FRservr Mr Y rot fiat '~ ct Olt a nra+ . y; ^* Srrts: xrs sc: a e4 ;!ro !L,- B-J TG
  anT. Gam.'+"iC to the +*Itcxrt+rlG??
pcr'i:.d.R/.t K: rrc~~`=d 'c tr3X.}rr~. t... e Lvfr _s:+et Jr rr,rir?m +J :.Jr'.. w>!rsx a. LGrK:eCr.. S?r7 e: U'".-r -rS ~~yartr~.'~:y 7rvf itvr~yr.. Ci:,ma,x r a arty Cthly 3E :
a C 4tii(1te$Y +PW1: U*.t a w!rLt n y:Gs+ Of ,r>a ~a"CKti n qt t Xm~+ m, inch 3 ng c gyei'rna foe red v th S baLker
  'c' Sr-,ctasy, 5-00 tl of C4'.Frnan. Qt the redceaS strve Syi:~nr, 2ttr1 and c
9treala. WN Vin ,+res ;cam. PC TL551, erOl ttl tr ODUre of Xrana~rrnent and
~ Sl , Ri$rc+~^+u'il r~~wt:l tr rt ?r!srt". '71 -'4X1 ~ 11 f, V, DC 20 503"
Instructions
1. This form must be completed when a bank extends credit in excess of S1'00. } secured r rttic oy or indirectiv, in wale or
in part, by any margin stock.-

2. The term `margin stock` is defined in Regulation U (12 CM 2.1) and tndudes, principaity; ill steel,; that are registered an
a national securities exchange; 121 debt secur1ttt:s (bonds) that are convertible into rnargFn stacks.' Lit any over-thrs counter
security desig+lated as qualified for tracing the Natiorat Market System under a designation plan approved by the Securities
and Exchange; Commission (NMS security). and 14) shares of most mutual tends. unless 95 per cent of the assets of the fund
are continuously invested in U.S. government, agency, state, -or murt*cdpai tabi gations,

3 Please print or type lit space is inadequate. "atte separate sheett.

Part. I To be completed by borrower"Is#
I . What isthe amount of the credit beid ,extended?

2 Wilt any part of thus credit be used to purchase or tarry margin stock? [] Yes U, No

If the answer is -no.` describe the specific purpose of the credit:

(Wen have read this form and certify that to the best of my burl knowledge and-betiet the information given true, accurate.,
and complete, and that the rnacirt-stock and arty other securities coilateratiaing this cre<tit are authentic, genuine, t,raelti d. and
not stolen, forged, or counterfeit,

Signed: Signed-,

&xtrrn,,ar's u9nature data r tc'w W 'are tlNety

i irtt or type nAtstt i'#tstt tar 1 y a' --~ I__

  This form should not be signed blank,
A borrower who falsely certifies the purpose of a credit on this form or otherwise wilfully or intentionally evadess
the provisions of Regulation 4t will also violate Federal Reserve Regulation X. 'Borrowers of Sec uri C e it.-

LBF005-00088


=============
Page 9 of 9
=============

FR U t
Part It To be cotttpleted by bank only it the purpose of tho credits to purchase or carry margin securities (Past 1(2)
  answered yes'.)
1. Ust,the margin stock securing this credit: do not include oetrt securities ton eitible into margin stock. The maximum loan
value of margin stock is 50 per cent of its curent market verve under the current Suppfernent to Regulation V.

of
No	l	[
MaE>ri i	Rate anv+ sa,rce	Total rnart<et
,	issue		of Yalu3t,oet	
a;f		per ghA	
[See mole Let~.vl	value pet issue
I				

2. List the debt securities convertible into margin: stock securing this credit. The maximum loam value of such debt secwrixies4l;
60 per cent of the current market value under the current Supplement to Regulation V.

  Principal Date and secure Trmfaf market
amount Issue ar mice et vatuatrnn ua gar issue
fS mite telowl

3. List other collateral including no imargut stock securing INS credit.

		Ddra and sowce	

Desire briefly	
ttarr_tt pn_c	
of vaiv3+t on	Good la=th
		
fSee note ti*uwl	k value
			

glare: Sank need rwi rempl*te *Dam and ~cc of wfsratimo- it tt~c aeeaswt V;Al r was cttaknd tram reg.Awty i led . utturt.3*.itsei ire a o ri'sat of gttrwera-Vrecita.lon
at an: auzamratd Wuasatie t sytuem.

art 111 To be signed by a bank officer in ail instances.

I am a duly authorized re sentative of the b k and understand that this credit secured by margin stock may be subject to the
credit restrictions of Regulation U. I have read this form and any attacrment:r, and l have accepted the c.tstorner`S statement in
Part I in good faith as required by Regviat U": and I Certify that to the best of my knoveledge and benei, all the information
given is true. accurate, and txrrnplete. I also, certify that if any securities that directly secure the credit are riot or will riot be
registered in the name of the borrower or its ro,rnireee. f have or will cause to have exatrt-Viined the written consentt of the
registered owner to pledge such securities. I further certify that any securities that have been of will be physically delivered to
the bank in cor nectien with this credit have been or will be examined, that all Validation procedt res required by bank policy and
the Securities Exchange Act of 1934 (section 171f), as arnendedl have teen or will be perfdmmd, and that I am satisfied to the
best of my knowledge and belief that such securities are genuine and not stolen or forged and their faces have not been altered.

Signed:


tSa ti nic ethcet's sa at e
TS e NM I 0" rvna near

I To a eht the o swmer's uatemam iii gumd ra.eh., the teff-me or the bang nn$t tie alert io fila cat mtixta ees %st0eridrig true smf4t red, it An pieewssion of anV
i if +iration that wcukr raise a Pwti4a . teersciw, not to accept the scat ut. wntzket ei .iyy, must. rays ',we=_tjyered acid be saturted treat the jutorimm is 8zutfrrsd.
Arre the f Wall Which wr $ reque?tr arrvresties erg rccamid of the etetemn t that that ma.: 1 f err a 1.,d patrr.

This form must be retained by the lender for three years after the, credit is extinguished.

LBF005-00089