January 15, 2021

LNB will begin accepting Second Draw PPP Applications on Tuesday, January 19, 2021. This summary provides a list of the required documentation needed prior to submitting your application, to ensure timely processing. To be eligible to receive a Second Draw Loan, your business must have a 25% reduction in gross receipts in at least one quarter of 2020 when compared to the same quarter in 2019. Applicants must certify that the current economic uncertainty makes this loan request necessary to support the ongoing operations of the business. Applications must be submitted to sba@bankwithlnb.com. Required Documents to be submitted at the time of application: Borrower Application 2483-SD completed in its entirety, including handwritten initials on page 1 and 2 with an original signature.

Supporting Documentation as follows: LNB will require ALL applicants to submit proof of the 25% gross receipt reduction at time of application. Acceptable documentation to show this reduction are: Annual Tax Forms Quarterly Tax forms Bank Statements Quarterly Profit & Loss Statement

Payroll Reports for elected payroll year (2019 or 2020) For the purpose of calculating maximum loan amounts LNB will accept the following documents from as support (2019 or 2020): IRS Forms 940, 941, 943 or W-3 NYS-45 Third-Party Payroll Reports (Paychex, ADP, QuickBooks, etc.) in PDF form IRS Form 1040 Schedule C or Schedule F IRS Form 1065 K-1

Driver's License Provide a copy of driver's licenses for all individuals who have a 20% or more ownership in the business Nonprofits must provide the driver's license for the individual that will sign the applicable loan documents i.e. Director, Finance Chair, etc.

Please Note: Applications will be processed in the order received. Failure to submit requested documentation will result in delays of processing your application. Ensure applicable documents are completed in their entirety, i.e. initialed and signed, ensure timely processing. Incomplete applications will be returned to the borrower for correction.