Document:

Exhibit 10.5

 

 

	 	 
	 	 

                                   U.S.
                                   Small Business Administration

                                    

                                   NOTE

	 	 

 

	SBA Loan #	46872371-06

                                                                                 

	

                                                                                SBA
Loan Name
	BZRTH Inc.

                                                                               

	Date	04-13-2020

                                                                               

	Loan Amount	$175,500.00

                                                                               

	Interest Rate	1.00%

                                                                               

	Borrower	BZRTH Inc.

                                                                               

	Operating Company	N/A

                                                                               

	Lender	ROYAL BUSINESS BANK

                                                                               

 

	1.	PROMISE TO PAY:

 

In return for the Loan, Borrower promises to pay to
the order of Lender the amount of One Hundred Seventy-five Thousand Five Hundred and 00/100 Dollars , 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 each 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.

 

 

 

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	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 for 6 months from the date of first disbursement of this loan. Interest will continue to accrue
during the deferment period.

 

Loan Forgiveness: Borrower
may apply to Lender for forgiveness of the amount due on this loan in an amount equal to the sum of the following costs incurred
by Borrower during the 8-week period beginning on the date of first disbursement of this loan:

 

 a. Payroll costs

b. Any payment of interest on a covered
mortgage obligation (which shall not include any prepayment of or payment of principal on a covered mortgage obligation)

 c. Any payment on a covered rent obligation

 d. Any covered utility payment

 

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) (P.L. 116-136). Not more than
25% of the amount forgiven can be attributable to non-payroll costs. Borrower has received an EIDL advance in the amount of $0.00.
That amount shall be reduced from the loan forgiveness amount.

 

Maturity: This Note will mature
two 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.

 

After the loan forgiveness,
the outstanding balance will be amortized until Maturity date. Interest will accrue from the date of initial disbursement.

 

Lender will apply
each 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 c. 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.

 

All remaining principal and accrued interest is
due and payable 2 years from date of initial disbursement.

 

 

 

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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:

 

		A.	Fails to do anything required by this Note and other Loan Documents;
		B.	Defaults on any other loan with Lender;
		C.	Does not preserve, or account to Lender's satisfaction for, any of the Collateral or its proceeds;
		D.	Does not disclose, or anyone acting on their behalf does not disclose, any material fact to Lender or SBA;
		E.	Makes, or anyone acting on their behalf makes, a materially false or misleading representation to Lender or SBA;
	 	F.	Defaults on any loan or agreement with another creditor, if Lender believes the default may materially affect Borrower's
ability to pay this Note;
		G.	Fails to pay any taxes when due
		H.	Becomes the subject of a proceeding under any bankruptcy or insolvency law;
		I.	Has a receiver or liquidator appointed for any part of their business or property;
		J.	Makes an assignment for the benefit of creditors;
	 	K.	Has any adverse change in financial condition or business operation that Lender believes may materially affect Borrower's
ability to pay this Note;
	 	L.	Reorganizes, merges, consolidates, or otherwise changes ownership or business structure without Lender's prior written
consent; or
		M.	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.	Require immediate payment of all amounts owing under this Note;
		B.	Collect all amounts owing from any Borrower or Guarantor;
		C.	File suit and obtain judgment;
		D.	Take possession of any Collateral; or
		E.	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.	Bid on or buy the Collateral at its sale or the sale of another lienholder, at any price it chooses;
	 	B.	Incur expenses to collect amounts due 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;
		C.	Release anyone obligated to pay this Note;
		D.	Compromise, release, renew, extend or substitute any of the Collateral; and
		E.	Take any action necessary to protect the Collateral or collect amounts owing on this Note.

 

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.

 

 

 

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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.

 

10. STATE-SPECIFIC PROVISIONS:

 

NONE

 

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

 

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

 

BORROWER:

 

BZRTH
Inc.

 

 

By /s Chenlong Tan                                          
4/16/2020

Chenlong Tan, Authorized Signer of BZRTH Inc.

 

 

 

 

 

 

 

 

 

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CUSTOMER  INFORMATION PROFILE CUSTOMER INFORMATION LaserPro,  Ver.  20.1.10.070  Copr.  Finastra  USA  Corporation  1997, 2020.  All  Rights  Reserved.  - CA  C: \ APPS \ HARLAND \ CFI \ LPL \ CIP.FC  TR - 2416 PR - 7 BZRTH Inc. Customer Name:   Customer  Type:   Street Address: BZRTH Inc. Corporation 2399  Bateman Ave. Duarte,  CA  91010 (714) 318 - 1386 Mailing Address: Primary  Phone  Number:   Cell  Phone Number: IDENTIFICATION Taxpayer  ID:  82 - 5144171   Primary ID: ID Number : Issue Date : Issued By : Taxpayer  ID  Applied For Secondary ID: ID Number : Issue Date : Issued By : ACCOUNT INFORMATION Branch  Location:   Bank  Rep. Name: Product Type Loan Number Opening  Date SBA 7A 5152698000 04 - 13 - 2020 RESULTS  OF  DOCUMENTARY VERIFICATION Customer's Identity  has been  verified  using  the  above described  identification  documents   Verification Method: Unable  to  verify customer's identity   Explanation  and  resolution  of discrepancies: RESULTS  OF  NON - DOCUMENTARY VERIFICATION Customer's Identity  has been  verified  using  the  non - documentary methods  described below: ChexSystems SM Verification Logical Verification Other Credit  Report Obtained Fraud/Bad  Check  Database Checked Financial Statement Reference Check Other Unable  to  verify customer's identity  (explanation  and  resolution  of discrepancies): COMPARISON  WITH  GOVERNMENT LISTS Does customer's name appear on any list of known or suspected terrorists or terrorist organizations issued by any Federal government agency? Yes No VERIFICATION  CONDUCTED BY (Employee Name) ROYAL  BUSINESS BANK (Date)

    	 	5	 

     

    

CUSTOMER  INFORMATION PROFILE CUSTOMER INFORMATION LaserPro,  Ver.  20.1.10.070  Copr.  Finastra  USA  Corporation  1997, 2020.  All  Rights  Reserved.  - CA  C: \ APPS \ HARLAND \ CFI \ LPL \ CIP.FC  TR - 2416 PR - 7 Tan, Chenlong Customer Name:   Customer  Type:   Street Address: Chenlong Tan   Individual 2399  Bateman Ave. Duarte,  CA  91010 (714) 318 - 1386 Mailing Address: Primary  Phone  Number:   Cell  Phone  Number:   Employer/Occupation: IDENTIFICATION Taxpayer  ID:  ### - ## - ####   Birth Date: Primary ID: ID Number:   Issue  Date:   Exp.  Date:   Issued By: Taxpayer  ID  Applied For Secondary ID: ID Number:   Issue  Date:   Exp.  Date:   Issued By: ACCOUNT INFORMATION Branch  Location:   Bank  Rep. Name: Product Type Loan Number Opening  Date SBA 7A 5152698000 04 - 13 - 2020 RESULTS  OF  DOCUMENTARY VERIFICATION Customer's Identity  has been  verified  using  the  above described  identification  documents   Verification Method: Unable  to  verify customer's identity   Explanation  and  resolution  of discrepancies: RESULTS  OF  NON - DOCUMENTARY VERIFICATION Customer's Identity  has been  verified  using  the  non - documentary methods  described below: ChexSystems SM Verification Logical Verification Other Credit  Report Obtained Fraud/Bad  Check  Database Checked Financial Statement Reference Check Other Unable  to  verify customer's identity  (explanation  and  resolution  of discrepancies): COMPARISON  WITH  GOVERNMENT LISTS Does customer's name appear on any list of known or suspected terrorists or terrorist organizations issued by any Federal government agency? Yes No VERIFICATION  CONDUCTED BY (Employee Name) ROYAL  BUSINESS BANK (Date)

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*515269800082514417104132020* DISBURSEMENT  REQUEST  AND AUTHORIZATION Principal $175,500.00 Loan Date 04 - 13 - 2020 Maturity 04 - 01 - 2022 Loan No 5152698000 Call  / Coll Account Officer Initials References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any  item  above  containing  "***"  has been  omitted  due  to text  length limitations. Borrower: BZRTH Inc. 2399  Bateman Ave. Duarte, CA 91010 Lender: ROYAL  BUSINESS BANK 1055  Wilshire Boulevard,  Suite  1220   Los  Angeles,  CA 90017 LOAN TYPE.  This is  a  Fixed Rate  (1.000%)  Nondisclosable  SBA  Loan  to  a  Corporation  for  $175,500.00  due  on  April  1, 2022. PRIMARY  PURPOSE OF  LOAN.  The  primary  purpose  of  this  loan  is for: Personal, Family, or Household Purposes or Personal Investment. X  Business  (Including Real  Estate Investment). SPECIFIC   PURPOSE.    The  specific  purpose  of  this  loan  is:   Paycheck  Protection Program. DISBURSEMENT  INSTRUCTIONS.  Borrower  understands  that  no  loan proceeds  will  be  disbursed  until  all  of  Lender's conditions  for  making  the   loan  have been  satisfied.  Please  disburse  the  loan proceeds  of  $175,500.00 as  follows: Amount  paid  to  Borrower directly: $175,500.00  Deposited  to  Checking  Account  # 630282153   (SBA LOAN #46872371 - 06) $175,500.00 Note Principal: $175,500.00 NOTARY FEE . BORROWER IS RESPONSIBLE TO PAY LENDER NOTARY FEE TO USE LENDER'S NOTARY SERVICE . LENDER WILL DEBIT BORROWER'S CHECKING/SAVING ACCOUNT FOR THE SUBJECT FEE IF NOTARY FEE IS NOT FINANCED FROM LOAN . FINANCIAL CONDITION . BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO LENDER THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO MATERIAL ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO LENDER . THIS AUTHORIZATION IS DATED APRIL 13 , 2020 . BORROWER: BZRTH  INC. By:  Chenlong  Tan,  Authorized  Signer  of  BZRTH Inc. LaserPro,  Ver.  20.1.10.070  Copr.  Finastra  USA  Corporation  1997, 2020.  All  Rights  Reserved.  - CA  C: \ APPS \ HARLAND \ CFI \ LPL \ I20.FC TR - 2416 PR - 7 04/16/2020

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FACSIMILE  TRANSMITTED  AND  EMAIL AUTHORIZATION Principal $175,500.00 Loan Date 04 - 13 - 2020 Maturity 04 - 01 - 2022 Loan No 5152698000 Call  / Coll Account Officer Initials References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any  item  above  containing  "***"  has been  omitted  due  to text  length limitations. Borrower: BZRTH Inc. 2399  Bateman Ave. Duarte, CA 91010 Lender: ROYAL  BUSINESS BANK 1055  Wilshire Boulevard,  Suite  1220   Los  Angeles,  CA 90017 This FACSIMILE TRANSMITTED AND EMAIL AUTHORIZATION is attached to and by this reference is made a part of the Disbursement Request and Authorization, dated April 13 , 2020 , and executed in connection with a loan or other financial accommodations between ROYAL BUSINESS BANK and BZRTH Inc . Your completion of this Facsimile Transmitted and Email Authorization ("Authorization") authorizes Royal Business Bank ( hereinafter referred to as "Lender") to execute any services that you may request via facsimile or email for any present or future account established under the account name listed above on this Authorization . By signing below, you agree to indemnify and hold harmless Lender and each and all of its directors, officers, employees, agents and representatives, and each of them, from any and all claims, demands, liabilities, damages, expenses, attorney's fees, and causes of action, whether known or unknown, arising from Lender's reliance on this Authorization and the performance by Lender of any service requested by you via facsimile or email . You agree that the indemnification set forth on this Authorization ("Indemnification") is unconditional and that you hereby waive any and all defenses to the enforcement of this Indemnification . You agree that this Authorization shall be binding on your heirs, representatives, successors and assigns, and shall inure to the benefit of Lender and each and all of its successors, representatives and assigns . If you are signing as a representative of an entity, the entity does hereby represent and warrant that it is duly organized, validly existing and it has all necessary power and authority to execute and deliver this Authorization, and that you are empowered to sign on behalf of such organization . This Authorization shall be governed by the laws of the State of California . This Authorization is to remain in full force and effect until Lender has received written or phone notification from you of its termination at such time and in such manner as to give Lender reasonable time and opportunity to act on it . Please sign below exactly as the account is registered with Lender . THIS  FACSIMILE  TRANSMITTED  AND  EMAIL  AUTHORIZATION  IS  EXECUTED  ON  APRIL  13,  2020.   BORROWER: BZRTH  INC. By:  Chenlong  Tan,  Authorized  Signer  of  BZRTH Inc. LaserPro,  Ver.  20.1.10.070  Copr.  Finastra  USA  Corporation  1997, 2020.  All  Rights  Reserved.  - CA  C: \ APPS \ HARLAND \ CFI \ LPL \ I20.FC TR - 2416 PR - 7 04/16/2020

    	 	8Exhibit 10.6

 

	SBA Loan #3181567207	Application #3600444610

 

LOAN AUTHORIZATION AND AGREEMENT (LA&A)

 

A PROPERLY SIGNED DOCUMENT IS

REQUIRED PRIOR TO ANY

DISBURSEMENT

 

	
        CAREFULLY READ THE LA&A:

        This document describes the terms and conditions of
your loan. It is your responsibility to comply with ALL the terms and conditions of your loan.

         

 

 

SIGNING THE LA&A:

 

All borrowers must sign the LA&A.

 

		·	Sign your name exactly as it appears on the LA&A. If typed incorrectly, you should sign with the correct
spelling.
		·	If your middle initial appears on the signature line, sign with your middle initial.
		·	If a suffix appears on the signature line, such as Sr. or Jr., sign with your suffix.

 

Your signature
represents your agreement to comply with the terms and conditions of the loan.

 

 

 

 

 

 

 

 

 

 

    	 	1	 

     

    

 

U.S. Small Business Administration

 

Economic Injury Disaster Loan

 

LOAN AUTHORIZATION AND AGREEMENT

 

Date: 04.18.2020 (Effective Date)

 

On the above date, this Administration (SBA) authorized (under
Section 7(b) of the Small Business Act, as amended) a Loan (SBA Loan #3181567207) to BZRTH Inc. (Borrower) of 2399 Bateman Ave
duarte California 91010 in the amount of five hundred thousand and 00/100 Dollars ($500,000.00), upon the following conditions:

 

PAYMENT

 

		·	Installment payments, including principal and interest, of $2,437.00 Monthly, will begin Twelve (12) months from
the date of the promissory Note. The balance of principal and interest will be payable Thirty (30) years from the date of
the promissory Note.

 

INTEREST

 

		·	Interest will accrue at the rate of 3.75% per annum and will accrue only on funds actually advanced from the date(s)
of each advance.

 

PAYMENT TERMS 

 

		·	Each payment will be applied first to interest accrued to the date of receipt of each payment, and the balance, if any, will be applied to principal.

 

		·	Each payment will be made when due even if at that time the full amount of the Loan has not yet been advanced or the authorized
amount of the Loan has been reduced.

 

COLLATERAL

 

		·	Borrower hereby grants to SBA, the secured party hereunder, a continuing security interest in and to any and all “Collateral”
as described herein to secure payment and performance of all debts, liabilities and obligations of Borrower to SBA hereunder without
limitation, including but not limited to all interest, other fees and expenses (all hereinafter called “Obligations”).
The Collateral includes the following property that Borrower now owns or shall acquire or create immediately upon the acquisition
or creation thereof: all tangible and intangible personal property, including, but not limited to: (a) inventory, (b) equipment,
(c) instruments, including promissory notes (d) chattel paper, including tangible chattel paper and electronic chattel paper, (e)
documents, (f) letter of credit rights, (g) accounts, including health-care insurance receivables and credit card receivables,
(h) deposit accounts, (i) commercial tort claims, (j) general intangibles, including payment intangibles and software and (k) as-extracted
collateral as such terms may from time to time be defined in the Uniform Commercial Code. The security interest Borrower grants
includes all accessions, attachments, accessories, parts, supplies and replacements for the Collateral, all products, proceeds
and collections thereof and all records and data relating thereto.

 

GUARANTEE

 

Borrower will provide the following guarantee(s):

 

 

 

 

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	 	·	Guarantee on SBA Form 2128 of: Chenlong Tan (2119 s 5th ave, arcadia, CA)

 

REQUIREMENTS RELATIVE TO COLLATERAL

 

		·	Borrower will not sell or transfer any collateral (except normal inventory turnover in the ordinary course of business) described
in the "Collateral" paragraph hereof without the prior written consent of SBA.

 

		·	Borrower will neither seek nor accept future advances under any superior liens on the collateral
securing this Loan without the prior written consent of SBA.

 

USE OF LOAN PROCEEDS

 

		·	Borrower will use all the proceeds of this Loan solely as working capital to alleviate economic injury caused by disaster occurring
in the month of January 31, 2020 and continuing thereafter and to pay Uniform Commercial Code (UCC) lien filing fees and a third-party
UCC handling charge of $100 which will be deducted from the Loan amount stated above.

 

REQUIREMENTS FOR USE OF LOAN PROCEEDS AND RECEIPTS

 

	 	·	Borrower will not use, directly or indirectly, any portion of the proceeds of this Loan to relocate without the prior written
permission of SBA. The law prohibits the use of any portion of the proceeds of this Loan for voluntary relocation from the business
area in which the disaster occurred. To request SBA's prior written permission to relocate, Borrower will present to SBA the reasons
therefore and a description or address of the relocation site. Determinations of (1) whether a relocation is voluntary or otherwise,
and (2) whether any site other than the disaster-affected location is within the business area in which the disaster occurred,
will be made solely by SBA.

 

		·	Borrower will, to the extent feasible, purchase only American-made equipment and products with the proceeds of this Loan.

 

		·	Borrower will make any request for a loan increase for additional disaster-related damages as soon as possible after the need
for a loan increase is discovered. The SBA will not consider a request for a loan increase received more than two (2) years
from the date of loan approval unless, in the sole discretion of the SBA, there are extraordinary and unforeseeable circumstances
beyond the control of the borrower.

 

DEADLINE FOR RETURN OF LOAN CLOSING DOCUMENTS

 

		·	Borrower will sign and return the loan closing documents to SBA within 2 months of the date of this Loan Authorization and
Agreement. By notifying the Borrower in writing, SBA may cancel this Loan if the Borrower fails to meet this requirement. The
Borrower may submit and the SBA may, in its sole discretion, accept documents after 2 months of the date of this Loan Authorization
and Agreement.

 

COMPENSATION FROM OTHER SOURCES

 

		·	Eligibility for this disaster Loan is limited to disaster losses that are not compensated by other sources. Other sources include
but are not limited to: (1) proceeds of policies of insurance or other indemnifications, (2) grants or other reimbursement (including
loans) from government agencies or private organizations, (3) claims for civil liability against other individuals, organizations
or governmental entities, and (4) salvage (including any sale or re-use) of items of damaged property.

 

 

 

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		·	Borrower will promptly notify SBA of the existence and status of any claim or application for such other compensation, and
of the receipt of any such compensation, and Borrower will promptly submit the proceeds of same (not exceeding the outstanding
balance of this Loan) to SBA.

 

		·	Borrower hereby assigns to SBA the proceeds of any such compensation from other sources and authorizes the payor of same to
deliver said proceeds to SBA at such time and place as SBA shall designate.

 

		·	SBA will in its sole discretion determine whether any such compensation from other sources is a duplication of benefits. SBA
will use the proceeds of any such duplication to reduce the outstanding balance of this Loan, and Borrower agrees that such proceeds
will not be applied in lieu of scheduled payments.

 

DUTY TO MAINTAIN HAZARD INSURANCE

 

		·	Within 12 months from the date of this Loan Authorization and Agreement the Borrower will provide proof of an active and in
effect hazard insurance policy including fire, lightning, and extended coverage on all items used to secure this loan to at least
80% of the insurable value. Borrower will not cancel such coverage and will maintain such coverage throughout the entire term of
this Loan. BORROWER MAY NOT BE ELIGIBLE FOR EITHER ANY FUTURE DISASTER ASSISTANCE OR SBA FINANCIAL ASSISTANCE IF THIS INSURANCE
IS NOT MAINTAINED AS STIPULATED HEREIN THROUGHOUT THE ENTIRE TERM OF THIS LOAN. Please submit proof of insurance to: U.S. Small
Business Administration, Office of Disaster Assistance, 14925 Kingsport Rd, Fort Worth, TX. 76155.

 

BOOKS AND RECORDS

 

		·	Borrower will maintain current and proper books of account in a manner satisfactory
to SBA for the most recent 5 years until 3 years after the date of maturity, including
extensions, or the date this Loan is paid in full, whichever occurs first. Such books will include Borrower's financial and operating
statements, insurance policies, tax returns and related filings, records of earnings distributed and dividends paid and records
of compensation to officers, directors, holders of 10% or more of Borrower's capital stock, members, partners and proprietors.

 

		·	Borrower authorizes SBA to make or cause to be made, at Borrower's expense and in such a manner and at such times as SBA may
require: (1) inspections and audits of any books, records and paper in the custody or control of Borrower or others relating to
Borrower's financial or business conditions, including the making of copies thereof and extracts therefrom, and (2) inspections
and appraisals of any of Borrower's assets.

 

		·	Borrower will furnish to SBA, not later than 3 months following the expiration of Borrower's fiscal
year and in such form as SBA may require, Borrower's financial statements.

 

		·	Upon written request of SBA, Borrower will accompany such statements with an 'Accountant's Review
Report' prepared by an independent public accountant at Borrower's expense.

 

		·	Borrower authorizes all Federal, State and municipal authorities to furnish reports of examination, records and other information
relating to the conditions and affairs of Borrower and any desired information from such reports, returns, files, and records of
such authorities upon request of SBA.

 

 

 

    	 	4	 

     

    

 

LIMITS ON DISTRIBUTION OF ASSETS

 

		·	Borrower will not, without the prior written consent of SBA, make any distribution of Borrower’s assets, or give any
preferential treatment, make any advance, directly or indirectly, by way of loan, gift, bonus, or otherwise, to any owner or partner
or any of its employees, or to any company directly or indirectly controlling or affiliated with or controlled by Borrower, or
any other company.

 

EQUAL OPPORTUNITY REQUIREMENT

 

		·	If Borrower has or intends to have employees, Borrower will post SBA Form 722, Equal Opportunity Poster (copy attached), in
Borrower's place of business where it will be clearly visible to employees, applicants for employment, and the general public.

 

DISCLOSURE OF LOBBYING ACTIVITIES 

 

		·	Borrower agrees to the attached Certification Regarding Lobbying Activities

 

BORROWER’S CERTIFICATIONS 

 

Borrower certifies that:

 

		·	No fees have been paid, directly n or indirectly, to any representative
Process (attorney, accountant, etc.) for services provided or to
be provided in connection with applying for or closing this Loan, other than those reported on SBA Form 5 Business Disaster Loan
Application'; SBA Form 3501 COVID-19 Economic Injury Disaster Loan Application; or SBA Form 159, 'Compensation Agreement'. All
fees not approved by SBA are prohibited.

 

		·	All representations in the Borrower's Loan application (including all supplementary submissions) are true, correct and complete
and are offered to induce SBA to make this Loan.

 

		·	No claim or application for any other compensation for disaster losses has been submitted to or requested of any source, and
no such other compensation has been received, other than that which Borrower has fully disclosed to SBA.

 

		·	Neither the Borrower nor, if the Borrower is a business, any principal who owns at least 50% of the Borrower, is delinquent
more than 60 days under the terms of any: (a) administrative order; (b) court order; or (c) repayment agreement that requires payment
of child support.

 

		·	Borrower certifies that no fees have been paid, directly or indirectly, to any representative (attorney, accountant, etc.)
for services provided or to be provided in connection with applying for or closing this Loan, other than those reported on the
Loan Application. All fees not approved by SBA are prohibited. If an Applicant chooses to employ an Agent, the compensation an
Agent charges to and that is paid by the Applicant must bear a necessary and reasonable relationship to the services actually performed
and must be comparable to those charged by other Agents in the geographical area. Compensation cannot be contingent on loan approval.
In addition, compensation must not include any expenses which are deemed by SBA to be unreasonable for services actually performed
or expenses actually incurred. Compensation must not include charges prohibited in 13 CFR 103 or SOP 50-30, Appendix 1. If
the compensation exceeds $500 for a disaster home loan or $2,500 for a disaster business loan, Borrower must fill out the Compensation
Agreement Form 159D which will be provided for Borrower upon request or can be found on the SBA website

 

 

 

    	 	5	 

     

    

 

 

		·	Borrower certifies, to the best of its, his or her knowledge and belief, that the certifications and representations in the
attached Certification Regarding Lobbying are true, correct and complete and are offered to induce SBA to make this Loan.

 

CIVIL AND CRIMINAL PENALTIES

 

		·	Whoever wrongfully misapplies the proceeds of an SBA disaster loan shall be civilly liable to the Administrator in an amount
equal to one-and-one half times the original principal amount of the loan under 15 U.S.C. 636(b). In addition, any false statement
or misrepresentation to SBA may result in criminal, civil or administrative sanctions including, but not limited to: 1) fines,
imprisonment or both, under 15 U.S.C. 645, 18 U.S.C. 1001, 18 U.S.C. 1014, 18 U.S.C. 1040, 18 U.S.C. 3571, and any other applicable
laws; 2) treble damages and civil penalties under the False Claims Act, 31 U.S.C. 3729; 3) double damages and civil penalties under
the Program Fraud Civil Remedies Act, 31 U.S.C. 3802; and 4) suspension and/or debarment from all Federal procurement and non-procurement
transactions. Statutory fines may increase if amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act
of 2015.

 

RESULT OF VIOLATION OF THIS LOAN AUTHORIZATION AND AGREEMENT

 

		·	If Borrower violates any of the terms or conditions of this Loan Authorization and Agreement, the
Loan will be in default and SBA may declare all or any part of the indebtedness immediately due and payable. SBA's failure

 

to exercise its rights under this paragraph will not constitute
a waiver.

 

		·	A default (or any violation of any of the terms and conditions) of any SBA Loan(s) to Borrower and/or its affiliates will be
considered a default of all such Loan(s).

 

DISBURSEMENT OF THE LOAN

 

		·	Disbursements will be made by and at the discretion of SBA Counsel, in accordance with this Loan Authorization and Agreement
and the general requirements of SBA.

 

		·	Disbursements may be made in increments as needed.

 

		·	Other conditions may be imposed by SBA pursuant to general requirements of SBA.

 

		·	Disbursement may be withheld if, in SBA's sole discretion, there has been an adverse change in Borrower's financial condition
or in any other material fact represented in the Loan application, or if Borrower fails to meet any of the terms or conditions
of this Loan Authorization and Agreement.

 

		·	NO DISBURSEMENT WILL BE MADE LATER THAN 6 MONTHS FROM THE DATE OF THIS LOAN AUTHORIZATION AND AGREEMENT UNLESS SBA, IN ITS
SOLE DISCRETION, EXTENDS THIS DISBURSEMENT PERIOD.

 

 

 

 

    	 	6	 

     

    

 

 

PARTIES AFFECTED

 

		·	This Loan Authorization and Agreement will be binding upon Borrower and Borrower's successors and
assigns and will inure to the benefit of SBA and its successors and assigns.

 

RESOLUTION OF BOARD OF DIRECTORS

 

		·	Borrower shall, within 180 days of receiving any disbursement of this Loan, submit the appropriate SBA Certificate and/or Resolution
to the U.S. Small Business Administration, Office of Disaster Assistance, 14925 Kingsport Rd, Fort Worth, TX. 76155.

 

ENFORCEABILITY

 

		·	This Loan Authorization and Agreement is legally binding, enforceable and approved upon Borrower’s signature, the SBA’s
approval and the Loan Proceeds being issued to Borrower by a government issued check or by electronic debit of the Loan Proceeds
to Borrower’ banking account provided by Borrower in application for this Loan.

 

 

 

 

/s/ James E. Rivers

 

 

 

James E. Rivera

Associate Administrator

U.S. Small Business Administration

 

The undersigned agree(s) to be bound by the terms and conditions
herein during the term of this Loan, and further agree(s) that no provision stated herein will be waived without prior written
consent of SBA. Under penalty of perjury of the United States of America, I hereby certify that I am authorized to apply for
and obtain a disaster loan on behalf of Borrower, in connection with the effects of the COVID-19 emergency.

 

BZRTH Inc.

 

 

Date:     04.18.2020                             

________________________

Chenlong Tan, Owner/Officer

 

Note: Corporate Borrowers must execute Loan Authorization
and Agreement in corporate name, by a duly authorized officer. Partnership Borrowers must execute in firm name, together with signature
of a general partner. Limited Liability entities must execute in the entity name by the signature of the authorized managing person.

 

 

 

 

 

    	 	7	 

     

    

 

CERTIFICATION REGARDING LOBBYING

 

For loans over $150,000, Congress requires recipients to agree
to the following:

 

		1.	Appropriated funds may NOT be used for lobbying.

 

		2.	Payment of non-federal funds for lobbying must be reported on Form SF-LLL.

 

		3.	Language of this certification must be incorporated into all contracts and subcontracts exceeding $100,000.

 

		4.	All contractors and subcontractors with contracts exceeding $100,000 are required to certify and disclose accordingly.

 

 

 

 

 

 

 

    	 	8	 

     

    

 

CERTIFICATION REGARDING

LOBBYING

 

Certification for Contracts, Grants,
Loans, and Cooperative

 

Agreements

 

Borrower and all Guarantors certify, to the best of its, his
or her knowledge and belief, that:

 

(1)            No
Federal appropriated funds have been paid or will be paid, by or on behalf of the undersigned, to any person for influencing or
attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an
employee of a Member of Congress in connection with awarding of any Federal contract, the making of any Federal grant, the making
of any Federal loan, the entering into of any cooperative agreement, and the extension, continuation, renewal, or modification
of any Federal contract, grant, loan, or cooperative agreement.

 

(2)            If any funds other than Federal appropriated funds have been paid or will be paid to any person for influencing or attempting
to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of
a Member of Congress in connection with this Federal loan, the undersigned shall complete and submit Standard Form LLL, "Disclosure
Form to Report Lobbying," in accordance with its instructions.

 

(3)            The undersigned shall require that the language of this certification be included in the award documents for all sub-awards
at all tiers (including subcontracts, sub-grants, and contracts under grants, loans, and co-operative agreements) and that all
sub-recipients shall certify and disclose accordingly.

 

This certification is a material representation of fact upon
which reliance was placed when this transaction was made or entered into. Submission of this certification is a prerequisite for
making or entering into this transaction imposed by Section 1352, Title 31, U.S. Code. Any person who fails to file the required
certification shall be subject to a civil penalty of not less than $10,000.00 and not more than $100,000.00 for each such failure.

 

 

 

 

 

    	 	9	 

     

    

 

 

This Statement of Policy is Posted

 

In Accordance with Regulations of the

 

Small Business Administration 

 

This Organization Practices

 

Equal
Employment Opportunity

 

We do not discriminate on the ground of race, color,
religion, sex, age, disability or national origin in the hiring, retention, or promotion of employees; nor in determining
their rank, or the compensation or fringe benefits paid them.

 

This Organization Practices

 

Equal
Treatment of Clients

 

We do not discriminate on the basis
of race, color, religion, sex, marital status, disability, age or national origin in services or accommodations offered or provided
to our employees, clients or guests.

 

These policies and this notice comply
with regulations of the

United States Government.

 

Please report violations of this policy to:                    

 

Administrator

Small Business Administration

Washington,
D.C. 20416

 

In order for the public and your
employees to know their rights under 13 C.F.R Parts 112, 113, and 117, Small Business Administration Regulations, and to
conform with the directions of the Administrator of SBA, this poster must be displayed where it is clearly visible to
employees, applicants for employment, and the public.

 

Failure to display the poster as required
in accordance with SBA Regulations may be considered evidence of noncompliance and subject you to the penalties contained in
those Regulations.

 

 

 

 

 

 

 

    	 	10	 

     

    

 

 

Esta Declaración De Principios Se Publica

 

De Acuerdo Con Los Reglamentos De La

  

Agencia Federal Para el Desarrollo de la Pequeña
Empresa

 

 

Esta Organización Practica

 

Igual
Oportunidad De Empleo

 

No discriminamos por razón de raza, color, religión,
sexo, edad, discapacidad o nacionalidad en el empleo, retención o ascenso de personal ni en la determinación de sus
posiciones, salarios o beneficios marginales.

 

Esta Organización Practica

 

Igualdad
En El Trato A Su Clientela

 

No discriminamos por razón de raza, color, religión,
sexo, estado civil, edad, discapacidad o nacionalidad en los servicios o facilidades prov nuestros empleados, clientes o visitantes.

 

Estos
principios y este aviso cumplen con los reglamentos del Gobierno de los Estados Unidos de América.

 

Favor de informar violaciones a lo aquí indicado a:

 

Administrador

Agencia Federal Para el Desarrollo de la

Pequeña EmpresaWa

shington, D.C. 20416

 

A fin de que el público y sus empleados conozcan sus
derechos según lo expresado en las Secciones 112, 113 y 117 del Código de Regulaciaones Federales No. 13, de los
Reglamentos de la Agencja Federal Para el Desarrollo de la Pequeña Empresa y de acuerdo con las instrucciones del Administrador
de dicha agencia,

 

esta notificación debe fijarse en un lugar claramente
visible para los empleados, solicitantes de empleo y público en general. No fijar esta notificación según
lo requerido por los reglamentos de la Agencia Federal Para el Desarrollo de la Pequeña Empresa, puede ser interpretado
como evidencia de falta de cumplimiento de los mismos y conllevará la ejecución de los castigos impuestos en estos
reglamentos.

 

 

 

    	 	11	 

     

    

 

NOTE

 

A PROPERLY SIGNED NOTE IS

REQUIRED PRIOR TO ANY

DISBURSEMENT

 

CAREFULLY READ THE NOTE:
It is your promise to repay the loan.

 

		·	The Note is pre-dated. DO NOT CHANGE THE DATE OF THE NOTE.
		·	LOAN PAYMENTS will be due as stated in the Note.
		·	ANY CORRECTIONS OR UNAUTHORIZED MARKS MAY VOID THIS DOCUMENT.

 

 

 

 

SIGNING THE NOTE:
All borrowers must sign the Note.

 

		·	Sign your name exactly as it appears on the Note. If typed incorrectly, you should sign with the correct spelling.
		·	If your middle initial appears on the signature line, sign with your middle initial.
		·	If a suffix appears on the signature line, such as Sr. or Jr., sign with your suffix.
		·	Corporate Signatories: Authorized representatives should sign the signature page.

 

 

 

 

 

 

    	 	12	 

     

    

 

	
        U.S. Small Business Administration

         

        NOTE

         

        (SECURED
        DISASTER LOANS)

         
	
        Date: 04.18.2020

         

        Loan Amount: $500,000.00

         

        Annual Interest Rate: 3.75%

         

 

 

 

 

 

 

    	 	13	 

     

    

 

		1.	PROMISE TO PAY: In return for a loan, Borrower promises to pay to the order of SBA the amount of five hundred thousand
and 00/100 Dollars ($500,000.00), interest on the unpaid principal balance, and all other amounts required by
this Note.

 

		2.	DEFINITIONS: A) “Collateral” means
any property taken as security for payment of this Note or any guarantee of this Note. B) “Guarantor”
means each person or entity that signs a guarantee of payment of this Note. C) “Loan
Documents” means the documents related to this loan signed by Borrower, any Guarantor,
or anyone who pledges collateral.

 

		3.	PAYMENT TERMS: Borrower must make all payments at the place SBA designates. Borrower may prepay this Note in part
                                                                     or in full at any time, without notice or penalty. Borrower must pay principal and interest payments of $2,437.00
                                                                     every month beginning Twelve (12) months from the date of the Note. SBA will apply each
                                                                     installment payment first to pay interest accrued to the day SBA receives the payment and will then apply any remaining
                                                                     balance to reduce principal. All remaining principal and accrued interest is due and payable Thirty (30) years
                                                                     from the date of the Note.

 

		4.	DEFAULT: Borrower is in default under this Note if Borrower does not make a payment when
due under this Note, or if Borrower: A) Fails to comply with any provision of this Note, the Loan Authorization and Agreement,
or other Loan Documents; B) Defaults on any other SBA loan; C) Sells or otherwise transfers, or does not preserve
or account to SBA’s satisfaction for, any of the Collateral or its proceeds; D) Does
not disclose, or anyone acting on their behalf does not disclose, any material fact to SBA; E) Makes, or anyone acting on
their behalf makes, a materially false or misleading representation to SBA; F) Defaults on any loan or agreement with another
creditor, if SBA believes the default may materially affect Borrower’s ability to pay
this Note; G) Fails to pay any taxes when due; H) Becomes the subject of a proceeding under any bankruptcy or insolvency
law; I) Has a receiver or liquidator appointed for any part of their business or property; J) Makes an assignment
for the benefit of creditors; K) Has any adverse change in financial condition or business operation that SBA believes may
materially affect Borrower’s ability to pay this Note; L) Dies; M) Reorganizes,
merges, consolidates, or otherwise changes ownership or business structure without SBA’s
prior written consent; or, N) Becomes the subject of a civil or criminal action that SBA believes may materially affect
Borrower’s ability to pay this Note.

 

		5.	SBA’S RIGHTS IF THERE IS A DEFAULT: Without notice or demand and without giving up any of its rights, SBA may:
A) Require immediate payment of all amounts owing under this Note; B) Have recourse to collect all amounts owing
from any Borrower or Guarantor (if any); C) File suit and obtain judgment; D) Take possession of any Collateral;
or E) Sell, lease, or otherwise dispose of, any Collateral at public or private sale, with or without advertisement.

 

		6.	SBA’S GENERAL POWERS: Without notice and without Borrower’s
consent, SBA may: A) Bid on or buy the Collateral at its sale or the sale of another lienholder, at any price it chooses;
B) Collect amounts due 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 SBA incurs
such expenses, it may demand immediate reimbursement from Borrower or add the expenses to the principal balance; C) Release
anyone obligated to pay this Note; D) Compromise, release, renew, extend or substitute any of the Collateral; and E)
Take any action necessary to protect the Collateral or collect amounts owing on this Note.

 

 

 

 

    	 	14	 

     

    

 

 

		7.	FEDERAL LAW APPLIES: When SBA is the holder, this Note will be interpreted and enforced under federal law, including
SBA regulations. 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.	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 required at any time to comply with the Loan Documents
and to enable SBA to acquire, perfect, or maintain SBA’s liens on Collateral. D) SBA may exercise any of its rights
separately or together, as many times and in any order it chooses. SBA may delay or forgo enforcing any of its rights without giving
up any of them. E) Borrower may not use an oral statement of 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 SBA 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. H) SBA may
sell or otherwise transfer this Note.

 

		9.	MISUSE OF LOAN FUNDS: Anyone who wrongfully misapplies any proceeds of the loan will be civilly liable to SBA for one
and one- half times the proceeds disbursed, in addition to other remedies allowed by law.

 

		10.	BORROWER’S NAME(S) AND SIGNATURE(S): By signing below, each individual or entity acknowledges and accepts personal
obligation and full liability under the Note as Borrower.

 

BZRTH Inc.

 

______________________________

Chenlong Tan, Owner/Officer

 

 

 

 

 

    	 	15	 

     

    

 

SECURITY AGREEMENT

 

Read this document carefully. It grants the SBA a security
interest (lien) in all the property described in paragraph 4.

 

This document is predated. DO NOT CHANGE THE DATE ON THIS DOCUMENT.

 

 

 

 

    	 	16	 

     

    

 

 

U.S. Small Business Administration

SECURITY AGREEMENT

 

 

 

 

 

	SBA Loan #:	3181567207
	Borrower:	BZRTH Inc.
	Secured Party:	The Small Business Administration, an Agency of the U.S. Government
	Date:	04.18.2020
	Note Amount:	$500,000.00 

 

 

1.            DEFINITIONS.

 

Unless otherwise specified, all terms used in this Agreement
will have the meanings ascribed to them under the

 

Official Text of the Uniform Commercial Code, as it may be amended
from time to time, (“UCC”). “SBA” means the Small Business Administration, an Agency of the U.S. Government.

 

2.            GRANT OF SECURITY INTEREST.

 

For value received, the Borrower grants to the Secured Party
a security interest in the property described below in paragraph 4 (the “Collateral”).

 

3.           OBLIGATIONS SECURED.

 

This Agreement secures the payment and performance of: (a) all
obligations under a Note dated 04.18.2020, made by BZRTH Inc. , made payable to Secured Lender, in the amount of $500,000.00 (“Note”),
including all costs and expenses (including reasonable attorney’s fees), incurred by Secured Party in the disbursement, administration
and collection of the loan evidenced by the Note; (b) all costs and expenses (including reasonable attorney’s fees), incurred
by Secured Party in the protection, maintenance and enforcement of the security interest hereby granted; (c) all obligations of
the Borrower in any other agreement relating to the Note; and (d) any modifications, renewals, refinancings, or extensions of the
foregoing obligations.

 

4.           COLLATERAL DESCRIPTION.

 

The Collateral in which this security interest is granted
includes the following property that Borrower now owns or shall acquire or create immediately upon the acquisition or
creation thereof: all tangible and intangible personal property, including, but not limited to: (a) inventory, (b) equipment,
(c) instruments, including promissory notes (d) chattel paper, including tangible chattel paper and electronic chattel paper,
(e) documents, (f) letter of credit rights, (g) accounts, including health-care insurance receivables and credit card
receivables, (h) deposit accounts, (i) commercial tort claims, (j) general intangibles, including payment intangibles and
software and (k) as-extracted collateral as such terms may from time to time be defined in the Uniform Commercial Code. The
security interest Borrower grants includes all accessions, attachments, accessories, parts, supplies and replacements for the
Collateral, all products, proceeds and collections thereof and all records and data relating thereto.

 

 

 

    	 	17	 

     

    

 

5.            RESTRICTIONS
ON COLLATERAL TRANSFER.

 

Borrower will not sell, lease, license or otherwise transfer
(including by granting security interests, liens, or other encumbrances in) all or any part of the Collateral or Borrower’s
interest in the Collateral without Secured Party’s written or electronically communicated approval, except that Borrower
may sell inventory in the ordinary course of business on customary terms. Borrower may collect and use amounts due on accounts
and other rights to payment arising or created in the ordinary course of business, until notified otherwise by Secured Party in
writing or by electronic communication.

 

6.            MAINTENANCE AND LOCATION OF COLLATERAL;
INSPECTION; INSURANCE.

 

Borrower must promptly notify Secured Party by written or
electronic communication of any change in location of the Collateral, specifying the new location. Borrower hereby grants to
Secured Party the right to inspect the Collateral at all reasonable times and upon reasonable notice. Borrower must: (a)
maintain the Collateral in good condition; (b) pay promptly all taxes, judgments, or charges of any kind levied or assessed
thereon; (c) keep current all rent or mortgage payments due, if any, on premises where the Collateral is located; and (d)
maintain hazard insurance on the Collateral, with an insurance company and in an amount approved by Secured Party (but in no
event less than the replacement cost of that Collateral), and including such terms as Secured Party may require including a
Lender’s Loss Payable Clause in favor of Secured Party. Borrower hereby assigns to Secured Party any proceeds of such
policies and all unearned premiums thereon and authorizes and empowers Secured Party to collect such sums and to execute and
endorse in Borrower’s name all proofs of loss, drafts, checks and any other documents necessary for Secured Party to
obtain such payments.

 

 7.             CHANGES TO BORROWER’S LEGAL STRUCTURE, PLACE OF BUSINESS, JURISDICTION OF ORGANIZATION, OR NAME.

 

Borrower must notify Secured Party by written or electronic
communication not less than 30 days before taking any of the following actions: (a) changing or reorganizing the type of organization
or form under which it does business; (b) moving, changing its place of business or adding a place of business; (c) changing its
jurisdiction of organization; or (d) changing its name. Borrower will pay for the preparation and filing of all documents Secured
Party deems necessary to maintain, perfect and continue the perfection of Secured Party’s security interest in the event
of any such change.

 

 8.             PERFECTION OF SECURITY INTEREST.

 

Borrower consents, without further notice, to Secured
Party’s filing or recording of any documents necessary to perfect, continue, amend or terminate its security interest.
Upon request of Secured Party, Borrower must sign or otherwise authenticate all documents that Secured Party deems necessary
at any time to allow Secured Party to acquire, perfect, continue or amend its security interest in the Collateral. Borrower
will pay the filing and recording costs of any documents relating to Secured Party’s security interest. Borrower
ratifies all previous filings and recordings, including financing statements and notations on certificates of title. Borrower
will cooperate with Secured Party in obtaining a Control Agreement satisfactory to Secured Party with respect to any Deposit
Accounts or Investment Property, or in otherwise obtaining control or possession of that or any other Collateral.

 

9.            DEFAULT.

 

Borrower is in default under this
Agreement if: (a) Borrower fails to pay, perform or otherwise comply with any provision of this Agreement; (b) Borrower makes any
materially false representation, warranty or certification in, or in connection with, this Agreement, the Note, or any other agreement
related to the Note or this Agreement; (c) another secured party or judgment creditor exercises its rights against the Collateral;
or (d) an event defined as a “default” under
the Obligations occurs. In the event of default and if Secured Party requests, Borrower must assemble and make available all Collateral
at a place and time designated by Secured Party. Upon default and at any time thereafter, Secured Party may declare all Obligations
secured hereby immediately due and payable, and, in its sole discretion, may proceed to enforce payment of same and exercise any
of the rights and remedies available to a secured party by law including those available to it under Article 9 of the UCC that
is in effect in the jurisdiction where Borrower or the Collateral is located. Unless otherwise required under applicable law, Secured
Party has no obligation to clean or otherwise prepare the Collateral for sale or other disposition and Borrower waives any right
it may have to require Secured Party to enforce the security interest or payment or performance of the Obligations against any
other person.

 

10.          FEDERAL RIGHTS.

 

When SBA is the holder of the Note, this Agreement will be
construed and enforced under federal law, including SBA regulations. Secured Party or SBA may use state or local procedures
for filing papers, recording documents, giving notice, enforcing security interests or liens, and for any 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 Agreement, Borrower may not claim or assert any local or state law against SBA to deny any obligation, defeat any claim
of SBA, or preempt federal law.

 

11.          GOVERNING LAW.

 

Unless SBA is the holder of the Note, in which case federal
law will govern, Borrower and Secured Party agree that this Agreement will be governed by the laws of the jurisdiction where the
Borrower is located, including the UCC as in effect in such jurisdiction and without reference to its conflicts of laws principles.

 

12.          SECURED PARTY RIGHTS.

 

All rights conferred in this Agreement
on Secured Party are in addition to those granted to it by law, and all rights are cumulative and may be exercised simultaneously.
Failure of Secured Party to enforce any rights or remedies will not constitute an estoppel or waiver of Secured Party’s
ability to exercise such rights or remedies. Unless otherwise required under applicable law, Secured Party is not liable for any
loss or damage to Collateral in its possession or under its control, nor will such loss or damage reduce or discharge the Obligations
that are due, even if Secured Party’s actions or inactions caused or in any way contributed
to such loss or damage.

 

13.           SEVERABILITY.

 

If any provision of this Agreement is unenforceable, all other
provisions remain in effect.

 

 

 

    	 	18	 

     

    

 

14.           BORROWER CERTIFICATIONS.

 

Borrower certifies that: (a) its Name (or Names) as stated above
is correct; (b) all Collateral is owned or titled in the Borrower’s name and not in the name of any other organization or
individual; (c) Borrower has the legal authority to grant the security interest in the Collateral; (d) Borrower’s ownership
in or title to the Collateral is free of all adverse claims, liens, or security interests (unless expressly permitted by Secured
Party); (e) none of the Obligations are or will be primarily for personal, family or household purposes; (f) none of the Collateral
is or will be used, or has been or will be bought primarily for personal, family or household purposes; (g) Borrower has read and
understands the meaning and effect of all terms of this Agreement.

 

15.          BORROWER NAME(S) AND SIGNATURE(S).

 

By signing or otherwise authenticating below, each individual
and each organization becomes jointly and severally obligated as a Borrower under this Agreement.

 

 

	BZRTH Inc.	 
	 	 
	    /s/ Chenlong Tan                                       	Date: 04.18.2020
	Chenlong Tan, Owner/Officer	 

 

 

 

 

    	 	19	 

     

    

 

GUARANTEE

 

The Guarantee is to be signed by the person(s)
who is to guarantee your loan.

 

This document is pre-dated. DO NOT CHANGE THE DATE ON THIS DOCUMENT.

 

 

 

 

 

 

 

 

 

 

 

    	 	20	 

     

    

 

 

U.S. Small Business Administration

UNCONDITIONAL GUARANTEE
 (DISASTER LOANS)  

 

 

	SBA Loan #	 	3181567207
	Application #	 	3600444610
	Guarantor(s)	 	Chenlong Tan
	Borrower	 	BZRTH Inc.
	Date 	 	04.18.2020
	Note Amount	 	$500,000.00

 

 

	1.	GUARANTEE.

 

Guarantor(s) unconditionally guarantee(s) payment to SBA of
all amounts owing under the Note. This Guarantee remains in effect until the Note is paid in full. Guarantor(s) must pay all amounts
due under the Note when SBA makes written demand upon Guarantor(s). SBA is not required to seek payment from any other source before
demanding payment from Guarantor(s).

 

	2.	NOTE.

 

The “Note” is the promissory note dated 04.18.2020
in the principal amount of five hundred thousand and 00/100 Dollars ($500,000.00,) from Borrower to SBA. It
includes any assumption, renewal, substitution, or replacement of the Note.

 

	3.	DEFINITIONS.

 

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

 

“Loan” means the loan evidenced by the Note.

 

“Loan Documents” means the documents related to
the Loan signed by Borrower, Guarantor(s) or any other guarantor, or anyone who pledges Collateral.

 

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

 

 

 

 

 

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	4.	SBA’S GENERAL POWERS.

 

SBA may take any of the following actions at any time, without
notice, without Guarantor(s)’ consent, and without making
demand upon Guarantor(s):

 

		A.	Modify the terms of the Note or any other Loan Document except to increase the amounts due under the Note;

 

		B.	Refrain from taking any action on the Note, the Collateral, or any guarantee;

 

		C.	Release any Borrower or any guarantor of the Note;

 

		D.	Compromise or settle with the Borrower or any guarantor of the Note;

 

		E.	Substitute or release any of the Collateral, whether or not SBA receives anything in return;

 

		F.	Foreclose upon or otherwise obtain, and dispose of, any Collateral at public or private sale, with or without advertisement;

 

		G.	Bid or buy at any sale of Collateral by SBA or any other lienholder, at any price SBA chooses; and

 

		H.	Exercise any rights it has, including those in the Note and other Loan Documents.

 

These actions will not release or reduce the obligations of
Guarantor(s) or create any rights or claims against SBA.

 

	5.	FEDERAL LAW.

 

When SBA is the holder, the Note and this Guarantee will be
construed and enforced under federal law, including SBA regulations. 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 Guarantee, Guarantor(s) may not claim or assert any local or
state law against SBA to deny any obligation, defeat any claim of SBA, or preempt federal law.

 

	6.	RIGHTS, NOTICES, AND DEFENSES THAT GUARANTOR(S) WAIVE(S).

 

To the extent permitted by law,

 

I.       Guarantor(s) waive(s)
all rights to:

 

		1)	Require presentment, protest, or demand upon Borrower;
		2)	Redeem any Collateral before or after SBA disposes of it;
		3)	Have any disposition of Collateral advertised; and
		4)	Require a valuation of Collateral before or after SBA disposes of it.

 

J.       Guarantor(s) waive(s)
any notice of:

 

		1)	Any default under the Note;
		2)	Presentment, dishonor, protest, or demand;
		3)	Execution of the Note;
		4)	Any action or inaction on the Note or Collateral, such as disbursements, payment, nonpayment, acceleration,
intent to accelerate, assignment, collection activity, and incurring enforcement expenses;
		5)	Any change in the financial condition or business operations of Borrower or any guarantor(s);
		6)	Any changes in the terms of the Note or other Loan Documents, except increases in the amounts due
under the Note; and
		7)	The time or place of any sale or other disposition of Collateral.

 

K.       Guarantor(s) waive(s)
defenses based upon any claim that

 

		1)	SBA failed to obtain any guarantee;
		2)	SBA failed to obtain, perfect, or maintain a security interest in any property offered or taken as Collateral;
		3)	SBA or others improperly valued or inspected the Collateral;
		4)	The Collateral changed in value, or was neglected, lost, destroyed, or underinsured;

 

 

 

 

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		5)	SBA impaired the Collateral;
		6)	SBA did not dispose of any of the Collateral;
		7)	SBA did not conduct a commercially reasonable sale;
		8)	SBA did not obtain the fair market value of the Collateral;
		9)	SBA did not make or perfect a claim upon the death or disability of Borrower or any guarantor of the Note;
		10)	The financial condition of Borrower or any guarantor was overstated or has adversely changed;
		11)	SBA made errors or omissions in Loan Documents or administration of the Loan;
		12)	SBA did not seek payment from the Borrower, any other guarantor(s), or any Collateral before demanding
payment from Guarantor(s);
		13)	SBA impaired Guarantor(s)’ suretyship rights;
		14)	SBA modified the Note terms, other than to increase amounts due under the Note. If SBA modifies the Note to increase the amounts
due under the Note without Guarantor(s)’ consent, Guarantor(s) will not be liable for the increased amounts and related interest
and expenses, but remains liable for all other amounts;
		15)	Borrower has avoided liability on the Note; or
		16)	SBA has taken an action allowed under the Note, this Guarantee, or other Loan Documents.

 

	7.	DUTIES AS TO COLLATERAL.

 

Guarantor(s) will preserve the Collateral,
if any, pledged by Guarantor(s) to secure this Guarantee. SBA has no duty to preserve or dispose of any Collateral.

 

	8. 	SUCCESSORS AND ASSIGNS.

 

Under this Guarantee, Guarantor(s) include(s) successors, and
SBA includes successors and assigns.

 

		L.	GENERAL PROVISIONS. ENFORCEMENT EXPENSES. Guarantor(s) promise(s) to pay all expenses SBA incurs to enforce this Guarantee,
including, but not limited to, attorney’s fees and costs.
		M.	SUBROGRATION RIGHT. Guarantor(s) has/have no subrogation rights as to the Note or the Collateral until the Note is paid in
full.
		N.	JOINT AND SEVERAL LIABILITY. All individuals and entities signing as Guarantor(s) is/are jointly and severally liable.
		O.	DOCUMENT SIGNING. Guarantor(s) must sign all documents necessary at any time to comply with the
Loan Documents and to enable SBA to acquire, perfect, or maintain SBA’s liens on Collateral.
		P.	FINANCIAL STATEMENTS. Guarantor(s) must give SBA financial statements as SBA requires.
		Q.	SBA’S RIGHTS CUMULATIVE, NOT WAIVED. SBA may exercise any of its rights separately or together, as many times as it chooses.
SBA may delay or forgo enforcing any of its rights without losing or impairing any of them.
		R.	ORAL STATEMENTS NOT BINDING. Guarantor(s) may not use an oral statement to contradict or alter the written terms of the Note
or this Guarantee, or to raise a defense to this Guarantee.
		S.	SEVERABILITY. If any part of this Guarantee is found to be unenforceable, all other parts will
remain in effect.

 

 

 

 

 

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	 	T.	CONSIDERATION. The consideration for this Guarantee is the Loan or any accommodation by SBA as to the Loan.

 

	10.	GUARANTOR(S) ACKNOWLEDGMENT OF TERMS.

 

Guarantor(s) acknowledge(s) that Guarantor(s) has/have read
and understands the significance of all terms of the Loan Authorization Agreement, Note, this Guarantee, including all waivers,
and certifies, to the best of its, his or her knowledge and belief, that the certifications and representations in the attached
Certification Regarding Lobbying are true, correct and complete and are offered to induce SBA to make this Loan.

 

	11.	GUARANTOR(S) NAME(S) AND SIGNATURE(S).

 

By signing below, each individual or entity becomes obligated
as Guarantor under this Guarantee.

 

	 	 GUARANTOR:

 

/s/ Chenlong Tan                                          

Chenlong Tan

By: Chenlong Tan, Owner/Officer

 

 

 

 

 

 

 

 

 

 

 

 

 

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