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<DIV dir=ltr>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">
<DIV>    Greetings to all!</DIV>
<DIV>If found worthy, please share with others.</DIV>
<DIV>Warmly,</DIV>
<DIV>Joe </DIV>
<DIV> </DIV>
<DIV>---</DIV>
<DIV> </DIV>
<DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; 
FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: 
inline'><B>From:</B>
<A title=michelle@northjerseychamber.org
href="mailto:michelle@northjerseychamber.org">North Jersey Chamber of
Commerce</A> </DIV>
<DIV style="FONT: 10pt tahoma">
<DIV style="BACKGROUND: #f5f5f5">
<DIV><B>Sent:</B> Thursday, April 09, 2020 12:01 PM</DIV>
<DIV><B>To:</B> <A title=nfbnj1@verizon.net
href="mailto:nfbnj1@verizon.net">nfbnj1@verizon.net</A> </DIV>
<DIV><B>Subject:</B> NJEDA 👀Announces👀 Launch of the Application for Small
Business Emergency Assistance Loan this Monday, April 13 at 9:00
am.</DIV></DIV></DIV>
<DIV> </DIV></DIV>
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      data-entity-ref="preheader">Pertinent Information & Guidance
      Concerning the Application Assistance Found Here!</SPAN> </DIV><IMG 
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                                <DIV>The Latest Update Concerning You
&</DIV>
                                <DIV>Your
                                Business</DIV></DIV></DIV></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE>
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                                style="FONT-FAMILY: constantia, garamond, 
times new roman, times, serif; FONT-WEIGHT: bold; COLOR: rgb(0,0,0)">NJEDA
                                Announces Application Launch</SPAN></DIV>
                                <DIV style="TEXT-ALIGN: center"
                                align=center><SPAN
                                style="FONT-FAMILY: constantia, garamond, 
times new roman, times, serif; FONT-WEIGHT: bold; COLOR: rgb(0,0,0)">for
                                Small Business Emergency Assistance Loan to 
Go
                                Live on Monday, April 13 at 9 
am</SPAN></DIV>
                                <DIV style="TEXT-ALIGN: center"
                                align=center> </DIV>
                                <DIV style="TEXT-ALIGN: justify"
                                align=justify><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">In
                                response to the economic challenges being 
faced
                                by New Jersey small businesses due to the
                                COVID-19 outbreak, the New Jersey Economic
                                Development Authority (NJEDA) has created 
the
                                Small Business Emergency Assistance Loan
                                Program. The </SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">$10
                                million program will make direct low-cost
                                financing available</SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">
                                to allow New Jersey small businesses and
                                non-profits to cover operating expenses and
                                ensure continuity of operations during the
                                outbreak.</SPAN> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                may now </SPAN><A
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
                                href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krx-xKp6lCQ3vNQI_Fe5T31tfrzHVsKqSyklIfiUBPxOjhrs6wyvRHDIi56P-nqEi6rDKdg3qglpV5sus3IUuy8kgPqb4naJ-0OckujV_suByUrqoM4QCZBE2xX4apWXN6JvMMIsJ-FWom4DEhtxFagFg=&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
                                target=_blank>access a copy of the loan
                                application</A><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">
                                to help you prepare your submission. 
Completed
                                applications will be considered on a first 
come,
                                first serve rolling basis. To see whether 
you
                                might qualify for this program, use the
                                </SPAN><A
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
                                href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krx-xKp6lCQ3vNL8LdhF9sHJWesdt-pj_H41iq4WTMyCH_-AGDNqWDfqAtVIwm_3K9Fd6mt6fMF6Fo1c1LMJE2k20kD9jn5xfUR1msdf_w3zBs&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
                                target=_blank>NJ COVID-19 Business Support
                                Eligibility Wizard</A><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">.</SPAN>
                                </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: justify"
                                align=justify><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">The
                                Small Business Emergency Assistance Loan 
program
                                is designed to provide </SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">a
                                direct loan of up to $100,000 to NJ-based 
small
                                businesses and non-profits
                                organizations</SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">
                                that have been in existence for at least
                                one-year and has less than $5 million in 
annual
                                revenue. These businesses much have been
                                negatively impacted by the COVID-19 outbreak
                                (including, but not limited to: reduction of
                                business hours, complete closure of 
business, at
                                least a 20% decline in revenue, employees 
unable
                                to work, required to close by government, or
                                disruption of supply chain).</SPAN> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV> </DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Your
                                organization is eligible for the Small 
Business
                                Emergency Assistance Loan Program if
                                you…</SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Have
                                a physical commercial location in the State 
of
                                NJ. Home-based businesses are not eligible 
for
                                this program. A home-based business is a
                                business operated out of a residential 
property
                                where commercial activity is not zoned to 
take
                                place. </SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Have
                                been in existence for at least one
                                year</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Have
                                less than $5M annual 
revenue</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Can
                                show a global debt service coverage ratio of
                                1.00 (as of December 31st,
2019)</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Are
                                able to demonstrate negative impact related 
to
                                COVID-19 on or after March 9th,
                                2020</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Are
                                registered to do business in the State of
                                NJ</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Must
                                certify that the company is in good tax 
standing
                                with the State</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Are
                                in good standing with the Department of 
Labor
                                and Workforce Development, with all 
decisions of
                                good standing at the discretion of the
                                Commissioner of the Department of Labor and
                                Workforce Development</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Are
                                able to provide a CEO certification that the
                                firm will make its best-effort to not lay 
off
                                employees or will re-hire employees as soon 
as
                                possible</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Non-profit
                                organizations are eligible for this program;
                                eligible non-profits must have status of
                                501(c)(3), 501(c)(4), 
501(c)(7)</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; COLOR: rgb(16,37,173)">Types
                                of businesses not eligible:</SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Related
                                to gambling or gaming
activities</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Related
                                to the purveyance of “adult” (i.e.,
                                pornographic, lewd, prurient, obscene)
                                activities, services, products or materials
                                (including nude or semi-nude performances or 
the
                                sale of sexual aids or 
devices)</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Auction
                                or bankruptcy or fire or “lost-our-lease” or
                                “going-out-of-business” or similar
                                sale</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Traveling
                                merchant </SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Christmas
                                tree sales or other outdoor
                                storage</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Any
                                other activity constituting a
                                nuisance</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Illegal
                                under the laws of the State of New
                                Jersey</SPAN></LI></UL>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">This
                                program is structured specifically for 
entities
                                facing economic challenges due to COVID-19 
and
                                provides </SPAN><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">low-cost
                                and flexible terms, such as</SPAN><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">:
                                </SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">10-year
                                term and amortization</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">0%
                                interest rate (years 1-5), NJEDA’s 
prevailing
                                interest rate floor (capped at 3.0% years
                                6-10)</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Deferred
                                repayments for 12 months</SPAN></LI></UL>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">There
                                are no fees associated with the Small 
Business
                                Emergency Loan Program for the first five 
years
                                of the loan, including application fees, and
                                then standard modification fees will
                                apply.</SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">In
                                order to apply for the loan, businesses will
                                need to provide the following…</SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)"> </SPAN>
                                </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">Contact
                                information for someone who is authorized to
                                speak on behalf of your company. 
</SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">For
                                example: an owner or an executive such as a 
CEO
                                or Executive Director</SPAN> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV> </DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Basic
                                information about your company:</SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Registered
                                legal name and “Doing Business As” name. To
                                confirm your organization’s registered legal
                                name: </SPAN><A
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
                                href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krxxSH5y0vhzm1_IPdqzgJaTkW6xIZUSu4aeGYu8YXTs8qWESreN_VbynrOQYKH6KYTW98UXBhd3eHCyRweG4XS8BNauhPc5lL1i-PIV2lfeXDNUGv7RMqZryWzXMl13XTEwW3Fudqug-_CDfsS1RANG-dBVvLj85VEQ==&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
                                target=_blank>https://www.njportal.com/DOR/BusinessNameSearch/Search/BusinessName</A>
                                </LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Federal
                                Employer Identification Number
                                (EIN)</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Date
                                your company was 
established</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Number
                                of Full-time employees as of December 31, 
2019,
                                Part-Time Employees as of December 31, 2019, 
and
                                other workers (ie 1099 or contracted 
employees)
                                as of December 31, 2019</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Prior
                                year’s annual revenue</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Brief
                                description about the organization (2-3
                                sentences about what you 
do)</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Formation
                                documents</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Organization’s
                                industry as defined by your NAICS code. To
                                confirm your NAICS code, check your federal 
tax
                                filing or use this site to look up your 
NAICS
                                code: </SPAN><A
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
                                href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krxxSH5y0vhzm1o32s1KLDyK0c0P2MlprSj_dH8Q9W-rJdPxyM--OjfLEdcQnz3oki67IJXLZ-FHIjkpeiloseZbawLh25hJH0Z8Q8wXp1xZ8m&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
                                target=_blank>https://www.naics.com/search/</A>
                                </LI></UL>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; COLOR: rgb(16,37,173)">Ownership
                                Information:</SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Identify
                                the owners of your organization and their
                                respective percentage of
                                ownership</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">For
                                those with 10% or more ownership interest, 
be
                                prepared to provide: Filed Personal Federal 
Tax
                                returns for the most recent 3 years; 
</SPAN><A
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
                                href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krx-xKp6lCQ3vNzSmtahFe1_DHiVbKn_7FuCV1itjfNqks6llFA6naNJLqnlFhZZcRcti5exxMDWJMIsBp6ClQqLSj747VT7DwKD0nZBW9HJjwUeZCxhn4cioFTnHAtnpZvI4ujJpRokW3-wE4MKX8VDI=&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
                                target=_blank>Personal financial 
statement</A>
                                </LI></UL>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Corporate
                                Financial Information:</SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Up
                                to 3 years of the most recent filings of 
your
                                Corporate Federal Tax returns depending on
                                number of years in 
existence</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Internally
                                prepared statements (Profit & Loss and
                                Balance Sheet), if 2019 has not been
                                filed</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Interim
                                statements (Profit & Loss and Balance
                                Sheet), if internally prepared statements 
are
                                greater than 90 days old</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <UL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Information
                                relating to existing debts (type, creditor, 
date
                                debt was incurred, maturity date, present
                                balance, interest rate, minimum payment, 
extra
                                payment , status, collateral for
                                debt)</SPAN></LI></UL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Identify
                                Use of Loan Proceeds </SPAN><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; COLOR: rgb(16,37,173)">a.
                                Depending on the category(ies) requested
                                (payroll, rent/mortgage, taxes, utilities,
                                etc.), be prepared to provide:</SPAN> </DIV>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Amount</SPAN></LI></OL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Timeframe
                                that the request covers</SPAN></LI></OL>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Supporting
                                documentation for each category (e.g.- if 
rent,
                                provide lease)</SPAN></LI></OL>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">If
                                loan request does not cover all expenses 
listed,
                                be prepared to identify and document sources 
to
                                cover the gap (e.g.- equity, bank financing,
                                etc.)</SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Identify
                                potential collateral for the loan. 
</SPAN><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; COLOR: rgb(16,37,173)">List
                                any unencumbered real properties that are
                                owned:</SPAN> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">solely
                                by the applicant business;</SPAN></LI></OL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">by
                                any individual having a 10% or more 
ownership
                                position in the applicant, 
or</SPAN></LI></OL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">by
                                a related entity having the same ownership
                                structure of the applicant and that property 
is
                                occupied by the applicant.</SPAN></LI></OL>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Provide
                                all leases associated with the listed
                                commercial/investment 
properties.</SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">Be
                                able to answer the State’s basic debarment
                                question. </SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">To
                                see the full application and read the State
                                debarment questions, see above.</SPAN><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)"> </SPAN>
                                </DIV>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Be
                                able to affirmatively answer and/or certify
                                that:</SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                are not a home-based business</SPAN>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                are not a prohibited business</SPAN>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                have been impacted by the COVID-19
                                outbreak</SPAN>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                will make a best effort not to lay off any
                                additional employees and re-hire any whom 
you
                                have already laid off</SPAN>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Information
                                you are providing is correct</SPAN>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                will allow the NJEDA to check your entries
                                against other State sources of data</SPAN>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                will authorize NJEDA to obtain a credit 
report
                                on all guarantors</SPAN>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">You
                                are current on all state obligations.</SPAN>
                                </LI></OL>
                                <DIV><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
none; COLOR: rgb(16,37,173); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV> </DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">If
                                a loan is offered, you’ll be asked to 
provide
                                following:</SPAN><SPAN
                                style="FONT-SIZE: 20px; TEXT-DECORATION: 
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">
                                </SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Evidence
                                of proper business insurance coverages
                                </SPAN></LI></OL>
                                <DIV style="TEXT-ALIGN: left"
                                align=left> </DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Copies
                                of a government issued photo identification
                                document for all individuals who may become
                                party to the loan </SPAN></LI></OL>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
                                <OL>
                                <LI
                                style="FONT-SIZE: 17px; COLOR: 
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">ACH
                                details to enable transmission of proceeds
                                </SPAN></LI></OL>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
                                <DIV><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Updated:
                                April 8, 2020</SPAN></DIV>
                                <DIV style="TEXT-ALIGN: left" 
align=left><SPAN
                                style="FONT-SIZE: 17px; TEXT-DECORATION: 
none; COLOR: rgb(86,88,103)">Source:
                                NJEDA</SPAN></DIV>
                                <DIV style="TEXT-ALIGN: justify"
                                align=justify> </DIV>
                                <DIV style="TEXT-ALIGN: center"
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                                href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krx-xKp6lCQ3vN-lTZxRkVTz1p3m8aMFTcmY2HRYsBVdRHjMVOsFmuVTi1WixfiNa1ae1oTAN4_4dGZtDPlBw8EzX_2jtRT_CyW-mlfdfoCbmBYc4hexHztSkdv7agABOjCPub-PpdNaZHMu-0B9MnBsLA9WTLww4tOtOXCIxybaXODvCifgnFTqWNgwFguxXzdgJD4BsYrB1Hg3yPp3DVg_UuPSYtVIM0sS15l_zknU1qRRLXzDRxa8tPT2L1I7n8tu6ReCBFL59Aod1wiOL0rKQ=&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg==">Questions?
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social-container"
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                                style="TEXT-DECORATION: none; DISPLAY: 
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                vAlign=top align=center><SPAN class=footer-column>North 
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