employment package - stafffiles.afncorp.com/webtrac/ratesheet/pnps/afn-f-adm_emplpkg-staff.pdf ·...

Employment PacketStaff

Welcome to American Financial Network, Inc.; we are excited to have you come

on board! Please be sure to read and completely fill out every page of this

employment packet. Make sure to initial, sign, and/or date every section of this

employment packet that asks you to do so. Be sure to read Form I-9 carefully and

submit proper identification to your direct manager with your application. If you

have any questions or concerns, please contact AFN’s Human Resources

department at [email protected].

We look forward to working with you!

AFN-Adm_EmplPkg-Staff.pdf | Rev. 07/20/2017

EMPLOYMENT APPLICATION

AFN-F-Adm_EmplApp Rev. 06/07/2013 Page 1 of 4

We are an equal opportunity employer and do not unlawfully discriminate in employment.

No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or

federal law. Equal access to employment, services, and programs is available to all

persons. Applicants requiring reasonable accommodation to the application and/or

interview process should notify a representative of the organization.

Last Name: First Name: MI:

Driver’s License #:

Position Applied For and Type of Work Desired:

Street Address:

City, State & Zip:

Home Phone: Cell Phone:

Personal E-mail Address:

Employment Type Desired: Full-time Part-time Temporary

Date Able to Start Work:

Do you object to working overtime if necessary? Yes No

Can you travel, if required by this position? Yes No

Have you been previously employed by our organization? Yes No

Can you submit proof of legal employment authorization Yes No

and identity?

Do you speak, write or understand any languages except English? Yes No

If yes, list language(s):

Have you ever been convicted of a criminal offense, felony or mis- Yes No

demeanor, not including a misdemeanor for possession of

marijuana in the last two years? If yes, please explain (a

conviction will not automatically bar employment).

How were you referred to us?

List any relatives or friends employed with AFN and your relationship to them:




Employment History: Please provide all employment information for your last four

employers starting with the most recent or attach a résumé with employment history to this application.

Employer: Position Held:

Employer Address:

Employer Phone: Immediate Supervisor:

Dates Employed: From: To: Salary:

Job Summary:

Reason for Leaving:


Employer Address:



Job Summary:

Reason for Leaving:


Employer Address:



Job Summary:

Reason for Leaving:


Employer Address:



Job Summary:

Reason for Leaving:




Other Skills and Qualifications: Please summarize any job-related training, skills,

licenses, certificates and/or other qualifications.

Educational History: Please list school name(s) and other requested information, as

applicable.

High School:

# of Years Completed: Degree Earned:

Course of Study:

College:


Course of Study:

Technical Training:


Course of Study:

Other:


Course of Study:

References: Please provide minimum of 3 references (do not include relatives).

Reference Name Telephone Number # of Years Known




Declarations: Please read the statements below and initial in acknowledgement.

Initials

I hereby authorize the potential employer to contact, obtain, and verify the

accuracy of information contained in this application from all previous

employers, educational institutions and references. I also hereby release from liability the potential employer and its representatives for seeking, gathering,

and using such information to make employment decisions and all other persons

or organizations for providing such information.

I understand that any misrepresentation or material omission made by me on

this application will be sufficient cause for cancellation of this application or

immediate termination of employment if I am employed, whenever it may be discovered.

If I am employed, I acknowledge that there is no specified length of employment and that this application does not constitute an agreement or

contract for employment. Accordingly, either I or the employer can terminate

the relationship at will, with or without cause, at any time, so long as there is no

violation of applicable federal or state law.

I understand that it is the policy of this organization not to refuse to hire or

otherwise discriminate against a qualified individual with a disability because of that person’s need for a reasonable accommodation as required by the ADA.

I also understand that if I am employed, I will be required to provide

satisfactory proof of identity and legal work authorization within three days of being hired. Failure to submit such proof within the required time shall result in

immediate termination of employment.

I represent and warrant that I have read and fully understand the foregoing and

that I seek employment under these conditions.

Applicant’s Signature Date

Instructions Start Over Print

USCIS Form I-9

OMB No. 1615-0047 Expires 08/31/2019

Employment Eligibility Verification Department of Homeland Security

U.S. Citizenship and Immigration Services

Page 1 of 4 Form I-9 07/17/17 N

Today's Date (mm/dd/yyyy)

►START HERE: Read instructions carefully before completing this form. The instructions must be available, either in paper or electronically, during completion of this form. Employers are liable for errors in the completion of this form.

ANTI-DISCRIMINATION NOTICE: It is illegal to discriminate against work-authorized individuals. Employers CANNOT specify which document(s) an employee may present to establish employment authorization and identity. The refusal to hire or continue to employ an individual because the documentation presented has a future expiration date may also constitute illegal discrimination.

Section 1. Employee Information and Attestation (Employees must complete and sign Section 1 of Form I-9 no later than the first day of employment, but not before accepting a job offer.) Last Name (Family Name) First Name (Given Name) Middle Initial Other Last Names Used (if any)

Address (Street Number and Name) Apt. Number City or Town State ZIP Code

Date of Birth (mm/dd/yyyy) U.S. Social Security Number Employee's E-mail Address Employee's Telephone Number - -

I am aware that federal law provides for imprisonment and/or fines for false statements or use of false documents in connection with the completion of this form. I attest, under penalty of perjury, that I am (check one of the following boxes):

1. A citizen of the United States

2. A noncitizen national of the United States (See instructions)

3. A lawful permanent resident (Alien Registration Number/USCIS Number):

4. An alien authorized to work until (expiration date, if applicable, mm/dd/yyyy): Some aliens may write "N/A" in the expiration date field. (See instructions)

Aliens authorized to work must provide only one of the following document numbers to complete Form I-9: An Alien Registration Number/USCIS Number OR Form I-94 Admission Number OR Foreign Passport Number.

1. Alien Registration Number/USCIS Number:

OR 2. Form I-94 Admission Number:

OR 3. Foreign Passport Number:

Country of Issuance:

QR Code - Section 1 Do Not Write In This Space

I attest, under penalty of perjury, that I have assisted in the completion of Section 1 of this form and that to the best of my knowledge the information is true and correct. Signature of Preparer or Translator Today's Date (mm/dd/yyyy)

Last Name (Family Name) First Name (Given Name)

Address (Street Number and Name) City or Town State ZIP Code

Employer Completes Next Page

Click to Finish

Preparer and/or Translator Certification (check one): I did not use a preparer or translator. A preparer(s) and/or translator(s) assisted the employee in completing Section 1.

(Fields below must be completed and signed when preparers and/or translators assist an employee in completing Section 1.)

Signature of Employee


USCIS Form I-9

OMB No. 1615-0047 Expires 08/31/2019



Page 2 of 4 Form I-9 07/17/17 N

Section 2. Employer or Authorized Representative Review and Verification (Employers or their authorized representative must complete and sign Section 2 within 3 business days of the employee's first day of employment. You must physically examine one document from List A OR a combination of one document from List B and one document from List C as listed on the "Lists of Acceptable Documents.")

Employee Info from Section Last Name (Family Name) First Name (Given Name) M.I. Citizenship/Immigration Status

List A OR List B AND List C Identity and Employment Authorization Identity Employment Authorization

Document Title Document Title Document Title

Issuing Authority Issuing Authority Issuing Authority

Document Number Document Number Document Number

Expiration Date (if any)(mm/dd/yyyy) Expiration Date (if Expiration Date (if any)(mm/dd/yyyy)

Document Title Additional Information QR Code - Sections 2 & 3

Do Not Write In This Space Issuing Authority

Document Number

Expiration Date (if

Document Title

Issuing

Document

Expiration Date (if

Certification: I attest, under penalty of perjury, that (1) I have examined the document(s) presented by the above-named employee, (2) the above-listed document(s) appear to be genuine and to relate to the employee named, and (3) to the best of my knowledge the employee is authorized to work in the United States. The employee's first day of employment (mm/dd/yyyy): (See instructions for exemptions)

Signature of Employer or Authorized Representative Today's Date Title of Employer or Authorized Representative

Last Name of Employer or Authorized Representative First Name of Employer or Authorized Representative Employer's Business or Organization Name

Employer's Business or Organization Address (Street Number and City or Town State ZIP Code

Click to Finish


USCIS Form I-9

OMB No. 1615-0047 Expires 08/31/2019



Page 3 of 4 Form I-9 07/17/17 N

Employee Name from Section 1: Last Name (Family Name) First Name (Given Name) Middle Initial

Section 3. Reverification and Rehires (To be completed and signed by employer or authorized representative.) A. New Name (if applicable) B. Date of Rehire (if applicable) Last Name (Family Name) First Name (Given Name) Middle Initial Date (mm/dd/yyyy)

C. If the employee's previous grant of employment authorization has expired, provide the information for the document or receipt that establishes continuing employment authorization in the space provided below.

Document Title Document Number Expiration Date (if any) (mm/dd/yyyy)

I attest, under penalty of perjury, that to the best of my knowledge, this employee is authorized to work in the United States, and if the employee presented document(s), the document(s) I have examined appear to be genuine and to relate to the individual. Signature of Employer or Authorized Representative Today's Date (mm/dd/yyyy) Name of Employer or Authorized Representative

Click to Finish

Form I-9 07/17/17 N Page 4 of 4

LISTS OF ACCEPTABLE DOCUMENTS All documents must be UNEXPIRED

Employees may present one selection from List A or a combination of one selection from List B and one selection from List C.

LIST A Documents that Establish

Both Identity and Employment Authorization

OR

LIST B LIST C Documents that Establish Documents that Establish

Identity Employment Authorization AND

1. U.S. Passport or U.S. Passport Card 1. Driver's license or ID card issued by a State or outlying possession of the United States provided it contains a photograph or information such as name, date of birth, gender, height, eye color, and address

1. A Social Security Account Number card, unless the card includes one of the following restrictions: (1) NOT VALID FOR EMPLOYMENT

(2) VALID FOR WORK ONLY WITH INS AUTHORIZATION

(3) VALID FOR WORK ONLY WITH DHS AUTHORIZATION

2. Permanent Resident Card or Alien Registration Receipt Card (Form I-551)

3. Foreign passport that contains a temporary I-551 stamp or temporary I-551 printed notation on a machine- readable immigrant visa

2. ID card issued by federal, state or local government agencies or entities, provided it contains a photograph or information such as name, date of birth, gender, height, eye color, and address

4. Employment Authorization Document that contains a photograph (Form I-766)

2. Certification of report of birth issued by the Department of State (Forms DS-1350, FS-545, FS-240)

3. School ID card with a photograph 5. For a nonimmigrant alien authorized

to work for a specific employer because of his or her status: a. Foreign passport; and b. Form I-94 or Form I-94A that has

the following: (1) The same name as the passport;

and (2) An endorsement of the alien's

nonimmigrant status as long as that period of endorsement has not yet expired and the proposed employment is not in conflict with any restrictions or limitations identified on the form.

3. Original or certified copy of birth certificate issued by a State, county, municipal authority, or territory of the United States bearing an official seal

4. Voter's registration card

5. U.S. Military card or draft record

6. Military dependent's ID card 4. Native American tribal document 7. U.S. Coast Guard Merchant Mariner

Card 5. U.S. Citizen ID Card (Form I-197) 8. Native American tribal document 6. Identification Card for Use of

Resident Citizen in the United States (Form I-179)

9. Driver's license issued by a Canadian government authority

For persons under age 18 who are unable to present a document

listed above:

7. Employment authorization document issued by the Department of Homeland Security

6. Passport from the Federated States of Micronesia (FSM) or the Republic of the Marshall Islands (RMI) with Form I-94 or Form I-94A indicating nonimmigrant admission under the Compact of Free Association Between the United States and the FSM or RMI

10. School record or report card

11. Clinic, doctor, or hospital record

12. Day-care or nursery school record

Examples of many of these documents appear in Part 13 of the Handbook for Employers (M-274).

Refer to the instructions for more information about acceptable receipts.

EMPLOYEE PACKAGE DISCLOSURE: BACKGROUND CHECK

AFN-F-Adm_GISDisclosure.pdf | 08/26/2016 Page 1 of 1

DISCLOSURE: CONSUMER REPORTS/BACKGROUND CHECKS

American Financial Network, Inc. (AFN) will obtain one or more consumer reports or investigative consumer reports (or both) about you for employment purposes. These purposes may include hiring, contract, assignment, promotion, re-assignment, and termination. The reports will include information about your character, general reputation, personal characteristics, and mode of living.

AFN will obtain these reports through a consumer reporting agency. AFN's consumer reporting agency is General Information Services, Inc. (GIS). You may contact GIS to obtain more information.

Address: General Information Services P.O. Box 353, Chapin, SC 29036

Phone: (866) 265-4917Website: http://www.geninfo.com

To prepare the reports, GIS may investigate your education, work history, professional licenses and credentials, references, address history, social security number validity, right to work, criminal record, lawsuits, driving record, credit history, and any other information with public or private information sources.

You may obtain a copy of any report that GIS provides and GIS’s files about you (in person, by mail, or by phone) by providing identification to GIS. If you do, GIS will help you to understand the files and provide trained personnel and an explanation of any codes. Another person may accompany you by providing identification.

If GIS obtains any information by interview, you have the right to obtain a complete and accurate disclosure of the scope and nature of the investigation performed.

Please sign below to acknowledge your receipt of this disclosure.

Signature_____________________________ Date____________________

Name ________________________________

EMPLOYEE PACKAGE BACKGROUND CHECK AUTHORIZATION

AFN-F-Adm_GISAuthorization.pdf | 08/26/2016 Page 1 of 2

GIS AUTHORIZATION FOR BACKGROUND CHECK

Authorization: By signing below, you authorize: (a) General Information Services, Inc. (GIS) to request information about you from any public or private information source; (b) anyone to provide information about you to GIS; (c) GIS to provide American Financial Network, Inc. (AFN) one or more reports based on that information; and (d) AFN to share those reports with others for legitimate business purposes related to your employment. GIS may investigate your education, work history, professional licenses and credentials, references, address history, social security number validity, right to work, criminal record, lawsuits, driving record, credit history, and any other information with public or private information sources. You acknowledge that a fax, image, or copy of this authorization is as valid as the original. You make this authorization to be valid for as long as you are an applicant or employee with us.

The Consumer Financial Protection Bureau’s “Summary of Your Rights under the Fair Credit Reporting Act” is attached to this authorization. If you are a New York applicant, a copy of New York’s law on the use of criminal records is attached. By signing below, you acknowledge receipt of these documents.

Personal Information: Please print the information requested below to identify yourself for GIS.

_________________________________ _____________________________ Full name (First, Middle, Last) Other names used

_______________________________ ____________ ___ _____ _____ _____ Current address City State ZIP From To

_______________________________ ____________ ___ _____ _____ _____ Former address City State ZIP From To

_______________________________ ____________ ___ _____ _____ _____ Former address City State ZIP From To

EMPLOYEE PACKAGE BACKGROUND CHECK AUTHORIZATION

AFN-F-Adm_GISAuthorization.pdf | 08/26/2016 Page 2 of 2

Some government agencies and other information sources require the following information when checking for records. GIS will not use this information for any other purpose.

__________________ ____________________________ Date of Birth Social Security number

__________________________ __________ Driver's License number State issued

____________________________________________________________ Name as it appears on license

Report Copy: If you are applying for a job or live in California, Minnesota, or Oklahoma, you may request a copy of the report by checking this box: .

_________________________________________ ______________ Signature Date

Form W-4 (2017) Purpose. Complete Form W-4 so that your employer can withhold the correct federal income tax from your pay. Consider completing a new Form W-4 each year and when your personal or financial situation changes. Exemption from withholding. If you are exempt, complete only lines 1, 2, 3, 4, and 7 and sign the form to validate it. Your exemption for 2017 expires February 15, 2018. See Pub. 505, Tax Withholding and Estimated Tax. Note: If another person can claim you as a dependent on his or her tax return, you can’t claim exemption from withholding if your total income exceeds $1,050 and includes more than $350 of unearned income (for example, interest and dividends).

Exceptions. An employee may be able to claim exemption from withholding even if the employee is a dependent, if the employee: • Is age 65 or older, • Is blind, or • Will claim adjustments to income; tax credits; or itemized deductions, on his or her tax return.

The exceptions don’t apply to supplemental wages greater than $1,000,000. Basic instructions. If you aren’t exempt, complete the Personal Allowances Worksheet below. The worksheets on page 2 further adjust your withholding allowances based on itemized deductions, certain credits, adjustments to income, or two-earners/multiple jobs situations.

Complete all worksheets that apply. However, you may claim fewer (or zero) allowances. For regular wages, withholding must be based on allowances you claimed and may not be a flat amount or percentage of wages. Head of household. Generally, you can claim head of household filing status on your tax return only if you are unmarried and pay more than 50% of the costs of keeping up a home for yourself and your dependent(s) or other qualifying individuals. See Pub. 501, Exemptions, Standard Deduction, and Filing Information, for information. Tax credits. You can take projected tax credits into account in figuring your allowable number of withholding allowances. Credits for child or dependent care expenses and the child tax credit may be claimed using the Personal Allowances Worksheet below. See Pub. 505 for information on converting your other credits into withholding allowances.

Nonwage income. If you have a large amount of nonwage income, such as interest or dividends, consider making estimated tax payments using Form 1040-ES, Estimated Tax for Individuals. Otherwise, you may owe additional tax. If you have pension or annuity income, see Pub. 505 to find out if you should adjust your withholding on Form W-4 or W-4P. Two earners or multiple jobs. If you have a working spouse or more than one job, figure the total number of allowances you are entitled to claim on all jobs using worksheets from only one Form W-4. Your withholding usually will be most accurate when all allowances are claimed on the Form W-4 for the highest paying job and zero allowances are claimed on the others. See Pub. 505 for details. Nonresident alien. If you are a nonresident alien, see Notice 1392, Supplemental Form W-4 Instructions for Nonresident Aliens, before completing this form. Check your withholding. After your Form W-4 takes effect, use Pub. 505 to see how the amount you are having withheld compares to your projected total tax for 2017. See Pub. 505, especially if your earnings exceed $130,000 (Single) or $180,000 (Married). Future developments. Information about any future developments affecting Form W-4 (such as legislation enacted after we release it) will be posted at www.irs.gov/w4.

Personal Allowances Worksheet (Keep for your records.)

A Enter “1” for yourself if no one else can claim you as a dependent . . . . . . . . . . . . . . . . . . A

B Enter “1” if: { • You’re single and have only one job; or • You’re married, have only one job, and your spouse doesn’t work; or } . . . B • Your wages from a second job or your spouse’s wages (or the total of both) are $1,500 or less.

C Enter “1” for your spouse. But, you may choose to enter “-0-” if you are married and have either a working spouse or more than one job. (Entering “-0-” may help you avoid having too little tax withheld.) . . . . . . . . . . . . . . C

D Enter number of dependents (other than your spouse or yourself) you will claim on your tax return . . . . . . . . D E Enter “1” if you will file as head of household on your tax return (see conditions under Head of household above) . . E F Enter “1” if you have at least $2,000 of child or dependent care expenses for which you plan to claim a credit . . . F

(Note: Do not include child support payments. See Pub. 503, Child and Dependent Care Expenses, for details.) G Child Tax Credit (including additional child tax credit). See Pub. 972, Child Tax Credit, for more information.

• If your total income will be less than $70,000 ($100,000 if married), enter “2” for each eligible child; then less “1” if you have two to four eligible children or less “2” if you have five or more eligible children. • If your total income will be between $70,000 and $84,000 ($100,000 and $119,000 if married), enter “1” for each eligible child. G

H Add lines A through G and enter total here. (Note: This may be different from the number of exemptions you claim on your tax return.) ▶ H

{ • If you plan to itemize or claim adjustments to income and want to reduce your withholding, see the Deductions For accuracy, complete all worksheets that apply.

and Adjustments Worksheet on page 2. • If you are single and have more than one job or are married and you and your spouse both work and the combined earnings from all jobs exceed $50,000 ($20,000 if married), see the Two-Earners/Multiple Jobs Worksheet on page 2 to avoid having too little tax withheld. • If neither of the above situations applies, stop here and enter the number from line H on line 5 of Form W-4 below.

Separate here and give Form W-4 to your employer. Keep the top part for your records.

Form W-4 Department of the Treasury Internal Revenue Service

Employee’s Withholding Allowance Certificate ▶ Whether you are entitled to claim a certain number of allowances or exemption from withholding is subject to review by the IRS. Your employer may be required to send a copy of this form to the IRS.

OMB No. 1545-0074

2017 1 Your first name and middle initial Last name 2 Your social security number

Home address (number and street or rural route) 3 Single Married Married, but withhold at higher Single rate. Note: If married, but legally separated, or spouse is a nonresident alien, check the “Single” box.

City or town, state, and ZIP code 4 If your last name differs from that shown on your social security card, check here. You must call 1-800-772-1213 for a replacement card. ▶

5 Total number of allowances you are claiming (from line H above or from the applicable worksheet on page 2) 6 Additional amount, if any, you want withheld from each paycheck . . . . . . . . . . . . . .

5 6 $

7 I claim exemption from withholding for 2017, and I certify that I meet both of the following conditions for exemption. • Last year I had a right to a refund of all federal income tax withheld because I had no tax liability, and • This year I expect a refund of all federal income tax withheld because I expect to have no tax liability.

If you meet both conditions, write “Exempt” here . . . . . . . . . . . . . . . ▶ 7 Under penalties of perjury, I declare that I have examined this certificate and, to the best of my knowledge and belief, it is true, correct, and complete.

Employee’s signature (This form is not valid unless you sign it.) ▶ Date ▶

8 Employer’s name and address (Employer: Complete lines 8 and 10 only if sending to the IRS.) 9 Office code (optional) 10 Employer identification number (EIN)

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 10220Q Form W-4 (2017)

http://www.irs.gov/w4

Form W-4 (2017) Page 2 Deductions and Adjustments Worksheet

Note: Use this worksheet only if you plan to itemize deductions or claim certain credits or adjustments to income. 1 Enter an estimate of your 2017 itemized deductions. These include qualifying home mortgage interest, charitable contributions, state

and local taxes, medical expenses in excess of 10% of your income, and miscellaneous deductions. For 2017, you may have to reduce your itemized deductions if your income is over $313,800 and you’re married filing jointly or you’re a qualifying widow(er); $287,650 if you’re head of household; $261,500 if you’re single, not head of household and not a qualifying widow(er); or $156,900 if you’re married filing separately. See Pub. 505 for details . . . . . . . . . . . . . . . . . . . . . 1 $

2 Enter: { $9,350 if head of household } . . . . . . . . . . . 2 $ $12,700 if married filing jointly or qualifying widow(er)

$6,350 if single or married filing separately 3 Subtract line 2 from line 1. If zero or less, enter “-0-” . . . . . . . . . . . . . . . . 3 $ 4 Enter an estimate of your 2017 adjustments to income and any additional standard deduction (see Pub. 505) 4 $ 5 Add lines 3 and 4 and enter the total. (Include any amount for credits from the Converting Credits to

Withholding Allowances for 2017 Form W-4 worksheet in Pub. 505.) . . . . . . . . . . . . 5 $ 6 Enter an estimate of your 2017 nonwage income (such as dividends or interest) . . . . . . . . 6 $ 7 Subtract line 6 from line 5. If zero or less, enter “-0-” . . . . . . . . . . . . . . . . 7 $ 8 Divide the amount on line 7 by $4,050 and enter the result here. Drop any fraction . . . . . . . 8 9 Enter the number from the Personal Allowances Worksheet, line H, page 1 . . . . . . . . . 9

10 Add lines 8 and 9 and enter the total here. If you plan to use the Two-Earners/Multiple Jobs Worksheet, also enter this total on line 1 below. Otherwise, stop here and enter this total on Form W-4, line 5, page 1 10

Two-Earners/Multiple Jobs Worksheet (See Two earners or multiple jobs on page 1.) Note: Use this worksheet only if the instructions under line H on page 1 direct you here. 1 Enter the number from line H, page 1 (or from line 10 above if you used the Deductions and Adjustments Worksheet) 1 2 Find the number in Table 1 below that applies to the LOWEST paying job and enter it here. However, if

you are married filing jointly and wages from the highest paying job are $65,000 or less, do not enter more than “3” . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

3 If line 1 is more than or equal to line 2, subtract line 2 from line 1. Enter the result here (if zero, enter “-0-”) and on Form W-4, line 5, page 1. Do not use the rest of this worksheet . . . . . . . . . 3

Note: If line 1 is less than line 2, enter “-0-” on Form W-4, line 5, page 1. Complete lines 4 through 9 below to figure the additional withholding amount necessary to avoid a year-end tax bill.

4 Enter the number from line 2 of this worksheet . . . . . . . . . . 4 5 Enter the number from line 1 of this worksheet . . . . . . . . . . 5 6 Subtract line 5 from line 4 . . . . . . . . . . . . . . . . . . . . . . . . . 6 7 Find the amount in Table 2 below that applies to the HIGHEST paying job and enter it here . . . . 7 $ 8 Multiply line 7 by line 6 and enter the result here. This is the additional annual withholding needed . . 8 $ 9 Divide line 8 by the number of pay periods remaining in 2017. For example, divide by 25 if you are paid every two

weeks and you complete this form on a date in January when there are 25 pay periods remaining in 2017. Enter the result here and on Form W-4, line 6, page 1. This is the additional amount to be withheld from each paycheck 9 $

Table 1 Table 2 Married Filing Jointly All Others Married Filing Jointly All Others

If wages from LOWEST paying job are—

Enter on line 2 above

If wages from LOWEST paying job are—


If wages from HIGHEST paying job are—


If wages from HIGHEST paying job are—


$0 - $7,000 0 $0 - $8,000 0 $0 - $75,000 $610 $0 - $38,000 $610 7,001 - 14,000 1 8,001 - 16,000 1 75,001 - 135,000 1,010 38,001 - 85,000 1,010

14,001 - 22,000 2 16,001 - 26,000 2 135,001 - 205,000 1,130 85,001 - 185,000 1,130 22,001 - 27,000 3 26,001 - 34,000 3 205,001 - 360,000 1,340 185,001 - 400,000 1,340 27,001 - 35,000 4 34,001 - 44,000 4 360,001 - 405,000 1,420 400,001 and over 1,600 35,001 - 44,000 5 44,001 - 70,000 5 405,001 and over 1,600 44,001 - 55,000 6 70,001 - 85,000 6 55,001 - 65,000 7 85,001 - 110,000 7 65,001 - 75,000 8 110,001 - 125,000 8 75,001 - 80,000 9 125,001 - 140,000 9 80,001 - 95,000 10 140,001 and over 10 95,001 - 115,000 11 115,001 - 130,000 12 130,001 - 140,000 13 140,001 - 150,000 14 150,001 and over 15

Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to carry out the Internal Revenue laws of the United States. Internal Revenue Code sections 3402(f)(2) and 6109 and their regulations require you to provide this information; your employer uses it to determine your federal income tax withholding. Failure to provide a properly completed form will result in your being treated as a single person who claims no withholding allowances; providing fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation; to cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering their tax laws; and to the Department of Health and Human Services for use in the National Directory of New Hires. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism.

You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by Code section 6103.

The average time and expenses required to complete and file this form will vary depending on individual circumstances. For estimated averages, see the instructions for your income tax return.

If you have suggestions for making this form simpler, we would be happy to hear from you. See the instructions for your income tax return.

EMPLOYEE PACKAGE EEOC DISCLOSURE

AFN-F-Adm_EEOCDisclosure | Rev. 03/03/2016

EEOC Disclosure

This disclosure is to be kept confidential and is provided voluntarily. It is understood that this information is not and was not used for hiring, placement, or any other decision relative to terms and conditions of employment.

Name

SSN

Race

Asian or Pacific Islander

American Indian or Alaskan Native

Black (not of Hispanic origin)

White (not of Hispanic origin)

Hispanic

Sex

Male

Female

Please check if you do not wish to furnish this information.

Employee Signature Date

ADDENDUM B ARBITRATION AGREEMENT

Mutual Agreement to Arbitrate Employment_ak 03 16 17.pdf | Rev. 03/16/17 Page 1 of 5

MUTUAL AGREEMENT TO ARBITRATE EMPLOYMENT-RELATED DISPUTES

I. Intent of Agreement

It is the intent of Employee and AFN that this Agreement will govern the resolution of all disputes, claims, and any other matters in question arising out of or relating to the Parties’ employment relationship. The Parties shall resolve all disputes arising out of the employment relationship in accordance with the provisions of this Agreement.

II. Mandatory Arbitration

AFN and Employee agree that any claim, complaint, or dispute that relates in any way to the Parties’ employment relationship, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, shall be submitted to binding arbitration administered by JAMS in accordance with JAMS Employment Arbitration Rules & Procedures. A copy of JAMS Employment Arbitration Rules & Procedures is available online at www.jamsadr.com. If the JAMS Employment Arbitration Rules & Procedures are inconsistent with the terms of this Agreement, the terms of this Agreement shall govern.

III. Covered Claims

This Agreement to arbitrate covers all grievances, disputes, claims, or causes of action (collectively, "claims") in a federal, state or local court agency under applicable federal, state or local laws, arising out of Employee’s employment with AFN and the termination thereof, including claims Employee may have against AFN or against its officers, directors, supervisors, managers, employees, or agents in their capacity as such or otherwise, or that AFN may have against Employee. The claims covered by this Agreement include, but are not limited to, claims for breach of any contract or covenant (express or implied), tort claims, claims for wrongful termination (constructive or actual) in violation of public policy, claims for discrimination or harassment (including, but not limited to, harassment or discrimination based on race, sex, gender, religion, national origin, age, marital status, medical condition, psychological condition, mental condition, disability, or sexual orientation), claims for violation of any federal, state, or other governmental law, statute, regulation, or ordinance, including, but not limited to, all claims arising under Title VII of the Civil Rights Act, the Age Discrimination in Employment Act, the Americans With Disabilities Act, the California Fair Employment and Housing Act, the Consolidated Omnibus Budget Reconciliation Act of 1985, and Employee Retirement Income Security Act. The parties to this Agreement specifically agree that all claims under the California Labor Code, including, but not limited to, claims



for overtime, unpaid wages, and claims involving meal and rest breaks shall be subject to this Arbitration Agreement ("Covered Claims").

IV. Claims Not Covered

Claims not covered by this Agreement are: representative claims brought under the California Private Attorneys General Act of 2004 (PAGA) (Lab. Code, § 2698 et seq.); claims for workers’ compensation, unemployment compensation benefits, or any other claims that, as a matter of law, the Parties cannot agree to arbitrate. To the extent that Employee brings a representative PAGA claim, such claim shall be stayed pending the resolution of Employee’s individual PAGA claim and/or any other claims subject to this Agreement. Nothing in this Agreement shall be interpreted to mean that employees are precluded from filing complaints with the California Department of Fair Employment and Housing and/or Federal Equal Employment Opportunity Commission and National Labor Relations Board.

V. Claims Valued at $15,000 or Less

If a controversy arises between AFN and EMPLOYEE wherein $15,000 or less is sought in damages, the Parties agree to submit the matter to a binding mediation performed by a JAMS mediator. AFN will pay the costs of the mediation which exceed the costs the EMPLOYEE would incur had the claim(s) been brought in court. A mediator will be selected pursuant to JAMS Rules and Procedures. Prior to mediation, the Parties shall have a reasonable opportunity to conduct adequate discovery, which will include access to material documents and witnesses. After completion of discovery, the mediation shall commence and last no more than one (1) day. The Mediator shall apply the applicable substantive California state orfederal law to the claim(s) asserted, and issue a written award setting forth theessential findings and conclusion. The mediator may not issue an award in excessof $15,000 inclusive of attorney’s fees and costs.

VI. Waiver of Class Action and Representative Action Claims

Except for representative claims brought under PAGA and as otherwise required under applicable law, Employee and AFN expressly intend and agree that: (a) class action and representative action procedures shall not be asserted, nor will they apply, in any arbitration pursuant to this Agreement; (b) each will not assert class action representative action claims against the other in arbitration or otherwise; and (c) Employee and AFN shall only submit their own individual claims in arbitration and will not seek to represent the interests of any other person.



VII. Waiver of Trial by Jury

The Parties understand and fully agree that by entering into this Agreement to arbitrate, they are giving up their constitutional right to have a trial by jury, and are giving up their normal rights of appeal following the rendering of a decision except as California law provides for judicial review of arbitration proceedings. The Parties anticipate that by entering into this Agreement, they will gain the benefits of a speedy and less expensive dispute resolution procedure.

VIII. Claims Procedure

Arbitration shall be initiated upon the express written notice of either party. The aggrieved party must give written notice of any claim to the other party. Written notice of an Employee’s claim shall be mailed by certified or registered mail, return receipt requested, to AFN at 10 Pointe Drive, Suite 330, Brea, CA 92821 ("Notice Address"). Written notice of AFN’s claim will be mailed to the last known address of Employee. The written notice shall identify and describe the nature of all claims asserted, the facts upon which such claims are based, and the amount of damages sought. Written notice of arbitration shall be initiated within the same time limitations that California law applies to those claim(s).

IX. Discovery

The Employee shall be given an opportunity to conduct adequate discovery, which includes access to essential documents and witnesses. The Parties shall conduct discovery as authorized by the California Code of Civil Procedure. The Arbitrator selected according to this Agreement shall decide all discovery disputes.

X. Substantive Law

The Arbitrator shall apply the applicable substantive California state or federal law (and shall not limit remedies available to Employee) to the claim(s) asserted. The Arbitrator shall conduct and preside over an arbitration hearing of reasonable length, to be determined by the Arbitrator. The Arbitrator shall provide the Parties with a written decision explaining his or her findings and conclusions. The Arbitrator’s decision shall be final and binding upon the Parties.



XI. Motions

The Arbitrator shall have jurisdiction to hear and rule on pretrial disputes and is authorized to hold hearings and/or conferences by telephone or in person as the Arbitrator deems necessary. The Arbitrator shall have the authority to set deadlines for completion of discovery, and for filing motions for summary judgment, and to set briefing schedules for any motions. The Arbitrator shall have the authority to adjudicate any cause of action, or the entire claim, pursuant to a motion for summary adjudication and/or summary judgment.

XII. Compelling Arbitration/Enforcing Award

Either party may bring an action in court to compel arbitration under this Agreement or to otherwise determine the arbitrability of claims under this Agreement, and to confirm, vacate, or enforce an arbitration award, and each party shall bear its own attorney fees and costs and other expenses of such action.

XIII. Arbitration Fees and Costs

AFN shall be responsible for the arbitrator’s fees and expenses which exceed the costs that the Employee would have incurred had the action been brought in court.

XIV. Award of Attorney’s Fees and Costs

The Arbitrator may award reasonable attorney’s fees and costs to the prevailing party as set forth in the employment agreement and/or as authorized by statute. Any dispute as to the reasonableness of any fee or cost shall be resolved by the Arbitrator.

XV. Term of Agreement

This Agreement to arbitrate shall survive the termination of Employee’s employment. It can only be revoked or modified in writing signed by both Parties.

XVI. Severability

If any provision of this Agreement to arbitrate is adjudged to be void or otherwise unenforceable, in whole or in part, the void or unenforceable provision shall be severed and such adjudication shall not affect the validity of the remainder of this Agreement to arbitrate.



XVII. Voluntary Agreement

EMPLOYEE understands that AFN does not require acceptance this Agreement as a condition of his/her employment. By executing this Agreement the Parties represent that they have been given the opportunity to fully review, comprehend and negotiate the terms of this Agreement. The Parties understand the terms of this Agreement and freely and voluntarily sign this Agreement.

I ACKNOWLEDGE THAT, IN EXECUTING THIS AGREEMENT, I HAVE HAD AN OPPORTUNITY TO SEEK THE ADVICE OF INDEPENDENT COUNSEL AND I HAVE READ AND UNDERSTOOD ALL THE TERMS OF THIS AGREEMENT.

Dated: ____________________

___________________________________________________________ Employee Name (print)

___________________________________________________________ Employee Signature

ADDENDUM C

CONFIDENTIALITY AGREEMENT

AFN-F-Adm_AddendumC-Confidentiality | Rev. 11/01/2016 Page 1 of 9

CONFIDENTIALITY, ASSIGNMENT, AND NON-SOLICITATION AGREEMENT

I recognize that American Financial Network, Inc., a California corporation (along with its current and future subsidiaries, affiliates, successors or assigns, collectively, "AFN") is engaged in Mortgage Lending and other business as approved by its Board of Directors. As a condition of my becoming employed (or my employment being continued) by AFN, and in consideration of my employment relationship with AFN (referred to herein as my "Employment") and my receipt of the compensation now and hereafter paid to me by AFN, I hereby agree as follows: Section 1 - Definitions

As used in this Agreement, the following terms have the following meanings:

1. Proprietary Information: Shall mean information disclosed to me, either directly or indirectly, in writing or orally or by drawings or observation, known to me, or developed by me, alone or with others, in connection with my Employment with AFN: (i) that is not generally known in the industry in which AFN is or may become engaged; (ii) that has been created, discovered, developed, or otherwise become known to AFN or in which property rights have been assigned or otherwise conveyed to AFN; and (iii) that has material economic value or potential material economic value to AFN's present or future business. Without limiting the generality of the foregoing, Proprietary Information shall include trade secrets (as defined under the version of the Uniform Trade Secrets Act adopted and in effect in the State of California from time-to-time during the term of this Agreement) and all other discoveries, developments, designs, improvements, inventions, formulas, software programs, processes, techniques, know-how, negative know-how, data, research, techniques, technical data, customer and supplier lists, and any modifications or enhancements of any of the foregoing, and all AFN program, pricing, marketing, sales, business contract, or other financial or business information.

2. Confidential Information: Shall mean AFN’s forms, procedures, files, records, documents, correspondence, notes, business card files, memoranda, pricing and secondary marketing, marketing information, TV commercials, radio commercials, direct mail, telemarketing scripts, vendor reports, customer (including current, former, and prospective customer) lists, manuals, computer equipment and software, and other things which are owned by AFN and which are regularly used in the operation of the business of AFN.

ADDENDUM C



3. Rights: All patents, trademarks, service marks and copyrights, and other recognized proprietary rights pertaining to Proprietary Information or Work Product (as defined in Section 5(a) of this Agreement).

Section 2 - Duty of Trust and Confidentiality Acknowledgements

I acknowledge that my Employment creates in me a duty of trust and confidentiality to AFN with respect to the Proprietary and Confidential Information:

a. Related, applicable, or useful to AFN's business, including AFN's anticipated research and development;

b. Resulting from tasks assigned to me by AFN; c. Resulting from the use of equipment, supplies, or facilities owned, leased, or

contracted for by AFN; or d. Related, applicable, or useful to the business of any of AFN's clients or

customers, which may be made known to me by AFN or by such client or customer, or developed or otherwise learned by me during the course of my Employment.

Section 3 - Nondisclosure and Protection of Proprietary and Confidential Information

At all times, both during my Employment and after the cessation of my Employment, whether the cessation is voluntary or involuntary, I will not, directly or indirectly, except as required by the normal business of AFN or as expressly consented to in writing and in advance by the President of AFN:

a. Disclose, publish, or make available, other than to an authorized employee, officer, or director of AFN, any Proprietary Information, Confidential Information, or Rights;

b. Sell, transfer, or otherwise use or exploit any Proprietary Information, Confidential Information, or Rights;

c. Permit the sale, transfer, use, or exploitation of any Proprietary Information, Confidential Information, or Rights by any third party; or

d. Retain upon termination of Employee's employment with AFN any Proprietary Information, Confidential Information, or Rights, any copies thereof, or any other materials containing or constituting Proprietary Information, Confidential Information, or Rights.

ADDENDUM C



To the extent that I obtain information on behalf of AFN that may be subject to the attorney-client privilege between AFN and any of AFN's attorneys, I will take reasonable steps to maintain the confidentiality of such information and to preserve that privilege. If, at any time, I become aware of any unauthorized access, use, possession, or knowledge of any Proprietary Information, Confidential Information, or Rights, I shall immediately notify the President of AFN and shall take reasonable measures to prevent unauthorized persons or entities from having access to, obtaining, or being furnished with this information. I also agree that to the extent any court or agency seeks to have me disclose Proprietary Information, Confidential Information, or Rights, I shall promptly inform AFN and shall take such reasonable steps as are available to me to prevent disclosure of such information until AFN has been informed of the requested disclosure and AFN has an opportunity to respond to such court or agency. I shall provide all reasonable assistance to AFN to protect the confidentiality of any such Proprietary Information or Rights that I may have directly or indirectly disclosed, published, or made available to third parties in breach of this Agreement, including reimbursement for reasonable attorney's fees and costs that AFN may incur to protect its rights in such Proprietary Information, Confidential Information, or Rights.

Section 4 - Confidential and Proprietary Information of Third Parties

AFN has received and in the future will receive from third parties their confidential or proprietary information, subject to AFN's duty to maintain the confidentiality of such information and to use it only for certain limited purposes. I owe AFN and such third parties, during my Employment and thereafter, a duty to hold all such confidential or proprietary information in the strictest confidence, and I shall not disclose, use, or induce or assist in the use or disclosure of any such confidential or proprietary information without AFN's prior express written consent, except as may be necessary in the ordinary course of performing my duties as an employee of AFN, consistent with AFN's agreement with such third party.

ADDENDUM C



Section 5 - Disclosure and Assignment of Work Product

I will promptly disclose to AFN all work product that I produce within the scope of my Employment or which relates directly to or involves the use of any Proprietary Information, Confidential Information, or Rights, including but not limited to all software, concepts, ideas, designs, documentation, memoranda, inventions, business methods, processes, and other documents, writings or tangible things of any kind (“Work Product”). I acknowledge and agree that all copyrightable Work Products prepared by me within the scope of my Employment are “works made for hire” and consequently, that AFN owns all copyrights thereto and all interests therein. I hereby assign to AFN all right, title, and interest (including but not limited to all patent, copyright, and trade secret rights) in and to all Work Products prepared by me, whether patentable or not, made or conceived in whole or in part by me within the scope of my Employment, or that relate directly to, or involve the use of Proprietary Information, Confidential Information, or Rights. I agree to execute all documents reasonably requested by AFN to further evidence the foregoing assignment and to provide all reasonable assistance to AFN in perfecting or protecting any or all of AFN's rights in my Work Product including, without limitation, assisting AFN in obtaining United States or foreign patents and copyright registrations covering inventions and original works of authorship assigned hereunder to AFN. I acknowledge that these obligations shall continue after the cessation of my Employment for any reason, whether with or without cause, but AFN shall compensate me at a reasonable rate for time actually spent by me at AFN's request on such assistance. If AFN is unable because of my mental or physical incapacity, or for any other reason, to secure my signature to apply for or to pursue any application for the United States or foreign patent or copyright registrations covering inventions or original works of authorship assigned to AFN as above, I hereby irrevocably designate and appoint AFN and its duly authorized officers and agents as my agent and attorney in fact, to act for and on my behalf and stead, to execute and further the prosecution and issuance of patent or copyright registrations thereon with the same legal force and effect as if executed by me. I represent that I have indicated on Exhibit C-1 of this Agreement all inventions, expressions of ideas, or other work product possibly related to AFN's business and created prior to my Employment in which I have any right, title, or interest that I

ADDENDUM C



do not assign to AFN. If I do not have any such inventions, expressions of ideas, or work product to indicate, I have written “none” on EXHIBIT C-1. This Agreement does not apply to any invention which fully qualifies under Lab. Code § 2870, incorporated herein by reference. In that regard, I agree to disclose all information requested by AFN regarding any invention claimed to fall under Lab. Code § 2870. Section 6 - Noncompetition and Noninterference with Business

I agree that during my Employment, I shall:

a. Not directly or indirectly engage in any employment, occupation, consulting, or other business activity which AFN shall determine in good faith to be in competition with AFN or to interfere with my duties as an employee of AFN;

b. Not engage in any business enterprise that would be in competition with AFN;

c. Not enter into, be engaged or interested, as a stockholder (owning more than 10%), officer, agent, employee or otherwise, in any business or undertaking which may compete in any manner with that of AFN;

d. Promptly disclose to AFN's appropriate corporate officers or directors all business opportunities that are: (i) presented to me in my capacity as an officer or employee of AFN; and (ii) of a similar nature to the type of business AFN currently engages in or has expressed an interest in engaging in the future; and

e. Not usurp or take advantage of any such business opportunity without first offering such opportunity to AFN and receiving written notice from the President of AFN that AFN is waiving its rights with respect thereto

Following the termination of my employment, I agree that I shall not:

a. Engage in unfair competition with AFN; b. Aid others in any unfair competition with AFN; c. In any way breach the confidence that AFN placed in me during my

Employment; d. Misappropriate any Proprietary Information or Rights; or e. Breach any of my duties or obligations to AFN or any third party under this

Agreement or any other agreement to which I am a party that relates to the subject matter hereof.

ADDENDUM C



Section 7 - Non-Solicitation of Employees

During the period of my Employment and for a period of twelve (12) months after the cessation of my Employment for any reason, whether with or without cause (or if this period of time shall be unenforceable by law, then for such period as shall be enforceable), I shall not disrupt, damage, impair, or interfere with the business of AFN by interfering with or “raiding” AFN employees by directly or indirectly soliciting AFN employees to work for any individual or entity then in competition with AFN. Section 8 - Non-Solicitation of Business or Customers

AFN considers and I acknowledge that AFN's customer lists and all information relating to AFN's customers are Proprietary Information. I further understand that the business requirements, likes and dislikes of AFN's customers are intrinsic to the value of this Proprietary Information. I therefore agree that for a period of twelve (12) months after the cessation of my employment for any reason, whether with or without cause (or if this period shall be unenforceable by law, then for such period as shall be enforceable), I shall not influence or attempt to influence customers of AFN to divert their business to any individual or entity then in competition with AFN. I further and specifically promise and agree that, during the time period referred to in this Section, I will not disrupt, damage, impair, or interfere with the business of AFN by disrupting its relationships with customers, agents, representatives, referral sources (including Realtors and other referral sources in company's database), or vendors. Section 9 - Reasonableness of Restrictions

I acknowledge that I have carefully read and considered the provisions hereof and, having done so, agrees that the restrictions set forth herein (including, but not limited to, the time periods of any restrictions) are fair and reasonable and are reasonably required for the protection of the interests of AFN. Section 10 - Returning AFN Documents and other Tangible Items

On termination of my employment for whatever reason, whether with or without cause, I shall not take, nor allow a third party to take, and I shall return to AFN, all original copies and all reproductions of Proprietary and Confidential Information, including but not limited to devices, records, sketches, reports, notebooks, proposals, lists, correspondence, equipment, documents, computer diskettes,

ADDENDUM C



photographs, negatives, undeveloped film, notes, drawings, specifications, tape recordings or other electronic recordings, programs, data, or other materials or property of any nature belonging to AFN or pertaining to my employment or work with AFN. I recognize that the unauthorized taking of any Proprietary and Confidential Information may subject me to criminal prosecution and may also result in civil liability. In addition, I agree to comply with all AFN policies and procedures relating to termination of employees including, without limitation, completing any required termination interviews and execution such documents as may reasonably be requested by AFN with respect to the return or other disposition of the Proprietary and Confidential Information or any other matter covered by this Agreement. Section 11 - Termination of Employment

The terms and conditions of this Agreement shall continue to apply to any period after termination of employment, for whatever reason, and to any period during which I perform services for AFN as a consultant or independent contractor. Section 12 - Notification to New Employers

If I leave the employ of AFN, I consent to AFN's notification to any new employer of my rights and obligations under this Agreement. In order to assist AFN in the exercise of its rights under this Section, I agree to notify AFN in writing by United States mail, return receipt requested, within five (5) days of accepting employment with any other employer (including self-employment). Said notice shall include the name, address and telephone number of the new employer(s), the date that such employment commenced, and a description of the duties to be performed by me. In addition, I agree to inform any such new employer of the existence of this Agreement and my ongoing duties and obligations to AFN hereunder. Section 13 - Representations and Warranties

I represent and warrant that:

• My performance of all the terms of this Agreement and as an employee of AFN does not and will not breach any agreement to keep in confidence proprietary information acquired by me in confidence or in trust prior to my employment;

ADDENDUM C



• I have not and shall not enter into any agreement, either written or oral, in conflict with this Agreement;

• I have not brought and will not bring to AFN, or use in my employment, any materials or documents of a former employer (which for purposes of this Agreement, shall include persons, firms, corporations, and other entities for which I have acted as an independent contractor or consultant), that are not generally available to the public, unless I first obtain express written authorization from any such former employer for their possession and use;

• I have not entered into any non-competition or non-solicitation agreements prior to my employment; and

• None of my Work Product will knowingly infringe upon or violate any patent, copyright, trade secret, or other property right of any of my former employers or any other third party. I shall indemnify and hold AFN, its officers, directors and employees, agents harmless from and against any and all actions, claims, losses, liabilities, damages, costs, expenses (reasonable attorney's fees) or legal proceeding relating to a breach of the foregoing representation.

Section 14 - Equitable Remedies; Specific Performance

I acknowledge that the services rendered to AFN by me have been or will be of a special and unusual character that have a unique value to AFN and that irreparable injury may result to AFN from my violation of any of the terms of this Agreement. I expressly agree that AFN shall be entitled, in addition to damages and any other remedies provided by law, to an injunction or other equitable remedy in a court of competent jurisdiction respecting such violation or continued violation and I consent and stipulate to the entry of such injunctive relief or other equitable remedy prohibiting me from violating the terms of this Agreement. I represent and admit that in the event of the termination of my employment for any reason, whether with or without cause, my experiences and capabilities are such that I can obtain employment in business engaged in other lines and/or of a different nature and that the enforcement of a remedy by way of injunction will not prevent me from earning a livelihood.

ADDENDUM C



I ACKNOWLEDGE THAT, IN EXECUTING THIS AGREEMENT, I HAVE HAD AN OPPORTUNITY TO SEEK THE ADVICE OF INDEPENDENT COUNSEL AND I HAVE READ AND UNDERSTOOD ALL THE TERMS OF THIS AGREEMENT.


Employee Full Name

EXHIBIT C-1

DISCLOSURE OF WORK PRODUCTS

EMPLOYEE PACKAGE ZERO LOAN FRAUD AGREEMENT

AFN-F-Adm_ZeroLoanFraudPolicy.pdf| Rev. 08/25/2016 1 of 3

ZERO LOAN FRAUD AGREEMENT

Employees, affiliates and associates of American Financial Network, Inc. must be aware that both the company, and the employee, affiliates, and associates bear the responsibility for all instances of fraud in loan origination/closing. American Financial Network, Inc. is responsible for the content and quality of each application taken and each loan submitted to our lenders.

The submission of a loan application containing false information is a crime! Evidence of loan fraud of any type will result in the immediate termination, for cause, of any American Financial Network, Inc. employee.

1. Types of Loan Fraud

• Submission of inaccurate information, including false statements on aloan application and falsification of documents purporting to substantiatecredit, employment, deposit and asset information, personal informationincluding identity, ownership/non-ownership of real property, etc.

• Forgery of partially or predominately accurate information, includingforged signatures on any document in the loan file.

• Incorrect statements regarding current occupancy or intent to maintainminimum continuing occupancy as stated in the security instrument.

• Lack of due diligence by broker/loan consultant/interviewer/ processor,including failure to obtain all information as dictated by Borrower’sresponse to other questions.

• Unquestioned acceptance of information or documentation, which isknown, should be known, or should be suspected to be inaccurate.

• Simultaneous or consecutive processing of multiple owner-occupied loansfrom one applicant on multiple properties, or from one applicantsupplying different information on each application.

• Allowing an applicant or interested third-party to “assist” with theprocessing of the loan.

• Nondisclosure of relevant information to anyone involved in the loanprocess (i.e. lender, title company, etc.)

2. Consequences

The effect of loan fraud is costly to all parties involved. American Financial Network, Inc. stands behind the quality of its loan production. Fraudulent loans cannot be sold into the secondary market and, if sold, will require the repurchase


AFN-F-Adm_ZeroLoanFraudPolicy.pdf | Rev. 08/25/2016 2 of 3

by American Financial Network. Fraudulent loans damage our reputation with our investors and mortgage insurance providers.

The price paid by those who participate in loan fraud is even more costly.

The following are a few of the potential consequences that may be incurred.

3. Consequences to Broker/Salesperson/Employee

• Criminal prosecution• Loss of Real Estate License• Loss of lender access due to exchange of information between lenders, and

submission of information to investors (including FHLMC/FNMA), policeagencies, and the Department of Real Estate

• Civil action by the lender• Civil action by applicant/borrower or other parties to the transaction• Loss of approval status with our lender

4. Consequences to Borrower

• Acceleration of debtFNMA/FHLMC Deed of Trust, revised 9/90, item #6 states: “Borrowershall also be in default if Borrower, during the loan application process,gave materially false or inaccurate information of statements to lender (orfailed to provide lender with any material information) in connection withthe loan evidenced by the note, including but not limited to,representation concerning Borrower’s occupancy of the property as aprincipal residence.” NOTE: Foreclosure under this section of the Deed ofTrust does not require the borrower to be in “payment default.” As such,the Borrower will not have the benefit of reinstatement. In order the curethe default, the Borrower must pay off the loan in full prior to the saledate of the property.

• Criminal Prosecution• Civil action by lender• Civil action by other parties to the transaction• Loss of professional license, if any• Adverse effect on credit history


AFN-F-Adm_ZeroLoanFraudPolicy.pdf| Rev. 08/25/2016 3 of 3

Acknowledgment:

I have read the foregoing and understand the position of American Financial Network, Inc. on loan fraud, and understand the consequences to myself if I am involved in loan fraud in any way whatsoever.

Employee Name


EMPLOYEE PACKAGE QUALITY CONTROL POLICY

1 of 4 AFN-F-Adm_QCPolicy.pdf | Rev. 08/25/2016

QUALITY CONTROL POLICY

1. Purpose• To establish written policies by which mortgage loans originated by company will be

evaluated, and to assure the proper origination, processing and closing of residentialmortgage loans.

• To assure that all loans:o Comply and meet lender requirements.o Are generally acceptable to institutional lenders.o Conform to company policies and procedures.o Conform to all agency and governmental requirements and applicable laws.

• To evaluate and monitor the overall quality of all loans originated and to correctany discrepancies, inadequacies, errors, abuses or mistakes as soon afterorigination as possible.

• To identify specific problem areas in connection with a particular processor, loan officer,originating office, appraiser, or any other involved in the lending process.

2. System IntegrityEach new employee will be advised of this policy and procedure before participating in anyloan activity.

• No person who is debarred or suspended by HUD, or is subject to a limited Denial ofParticipation will be employed for participation in mortgage lending without the approvalof senior management.

• All lenders policies and updates will be made available to all employees to assure thatpolicies accurately reflect changes in requirements by government and investorsagencies.

• Each branch will maintain all regulation, issuances, manuals, circular letters, andprogram announcements for lenders, guarantors, insurers, investors, and governmentagencies under which lending activity is governed and in which this companyparticipates.

• A review of loans produces by each branch will be completed on a regular basis, no laterthan 90 days after the date of closing.

• Each branch will receive a visit from management on a regular to assure that lendingpolicies and practices conform to company, government, state, investor and guarantoragencies.

• Investigation, analysis, evaluation and reporting will be performed monthly by thecorporate audit department or it’s designed where appropriate and is to be supervised bySenior Management and will remain completely independent from loan productionfunctions.



• The following disclosures are reviewed for completeness, accuracy, errors or omissions,signatures and dates: RESPA Notices, Arm Disclosures, Balloon Disclosures, Truth-In-Lending Statement (early and closing), Good Faith Estimate, Hud-1 SettlementStatement, Transfer of Servicing Disclosure, Right of Cancellation (refinances) andrequired FHA and VA disclosures.

3. UnderwritingUnderwriting decisions are reviewed to insure conformity with investor standards.

• The following shall be reanalyzed: calculation of debt ratios, two years verifiedemployment, likelihood of continued employment, loan amount not to exceedallowable amount, loan to value ratio not to exceed maximum allowed for loan type,sufficiency of original documentation and reliability underwriting judgments.

• The review will determine that the loan was processed and closed in accordance withthe details provided in the real estate purchase contract and reflected on theSettlement Statement.

• Assure that all conflicting information and discrepancies in the areas of employment,source of funds, liabilities, and credit with satisfactory resolved and properlydocumented in writing.

4. Closing/Legal DocumentsThe following will be reviewed to verify appropriate and relative information such as accuracyof loan amount, interest rate, monthly payments, date of first payment, maturity date, dateof rate change (if adjustable) and signatures of borrowers.

• Note• Mortgage or Deed of Trust• Final Typed 1003 (credit application)• Final HUD-1• Copy of Broker Check

5. Appraisals• Appraisals shall be reviewed for the following: appraised value, format, the use of

prudent appraisal practices, and proper licensing of appraiser.• Field reviews by independent fee appraisers will be ordered and used as needed basis.



6. Other• A list of employees, approved, lenders and approved independent processors will be

maintained by the quality control department to assure that all personnel participatingin lending activity are employed by company or that the loan was processed by anapproved independent processor.

• The most recent published LDP list is reviewed for all parties on all FHA Loans.• Verify that all documentation which corrections appear have been initialed by the

borrower(s).• In the case of recognizable patterns of deficiencies or indications of fraudulent activity,

quality control personnel will have the latitude to investigate at their discretion.

7. Results• A written variance report with copies of all documents in question and copies of all re-

verification mail and responses shall be prepared every month stating and analyzing alldiscrepancies to determine the cause of each discrepancy.

• Report results are to be forwarded to branch manager and senior management.

8. Follow Up• Each Branch Manager will be required to provide a written response of actions taken to

correct all deficiencies of each loan and prevent future occurrences.• Management will modify policies and procedures to address identified patterns of

deficiencies.• Any incurable variance, violation of law regulation, and program abuses will be reported

to the lender or government agency as soon as possible after discovery.

9. Selection Process• A random selection of no less that 10% of all loans closed each month will be made

from each branch.• Discretionary selections will be utilized to assure that all processors and loan officers are

reviewed on a regular basis.• Discretionary selections will also be utilized when a pattern of deficiency or suspicion of

fraud is detected.

10. Areas Of Investigation• Verification of employment, deposit, mortgage, rental history, and gift (gift letters will

also be reviewed for accuracy, signatures, dates and any evidence that the documentwas handled by any interested party).



• New credit reports will be ordered from a different repository and compared for accuracywith the original credit report furnished.

• On a self employed borrower many documents are reviewed, including income analysis,personal and corporate tax returns and P&L statements.

• Initial hand written loan application are reviewed for completeness, accuracy, omissions,face to face interview information, signatures and dates.

• Final typed loan application information will be compared to initial loan application andall credit reports to determine that all required information was provided and utilized inthe underwriting of the loan including all assets, liabilities and judgments.

• The final application and a borrower questionnaire will be mailed to the borrower(s) atthe property address to determine the accuracy of information on the application,occupancy status, that the face to face interview was conducted prior to the signing ofthe final application and submissions, and that no pertinent loan documents were signedin the blank by the borrower(s).

Acknowledgement:

Employee Name

Signature Date

Employee Package Drug-Free Workplace Policy

1 of 3 AFN-F-Adm_DrugFreePolicy.pdf | Rev. 08/25/2016

DRUG-FREE WORKPLACE POLICY

1. Purpose and Goal

American Financial Network, Inc. (AFN) is committed to protecting the safety,health and well being of all employees and other individuals in our workplace.We recognize that drug use poses a significant threat to our goals. We haveestablished a drug-free workplace program that balances our respect forindividuals with the need to maintain a drug-free environment.

• This policy recognizes that employee involvement with drugs can be verydisruptive, adversely affect the quality of work and performance ofemployees, pose serious health risks to users and others, and have anegative impact on productivity and morale.

• This organization has no intention of interfering with the private lives of itsemployees unless involvement with drugs off the job affects jobperformance or public safety.

• As a condition of employment, this organization requires that employeesadhere to a strict policy regarding the use and possession of drugs.

• This organization encourages employees to voluntarily seek help with drugproblems.

2. Applicability

Our drug-free workplace policy is intended to apply whenever anyone isrepresenting or conducting business for the organization. Therefore, this policyapplies during all working hours, whenever conducting business or representingthe organization and while on organization property.

3. Prohibited Behavior

It is a violation of our drug-free workplace policy for an employee to use,possess, sell, trade, and/or offer for sale a controlled substance in any form inthe workplace. Prescription and over-the-counter drugs are not prohibited whentaken in standard dosage and/or according to a physician's prescription. Anyemployee taking prescribed or over-the- counter medications will be responsiblefor consulting the prescribing physician and/or pharmacist to ascertain whetherthe medication may interfere with safe performance of his/her job. If the use ofa medication could compromise the safety of the employee, fellow employees orthe public, it is the employee's responsibility to contact his or her supervisor orthe Chief Human Resources Officer to avoid unsafe workplace practices.



The illegal or unauthorized use of prescription drugs is prohibited. It is a violation of our drug-free workplace policy to intentionally misuse and/or abuse prescription medications.

4. Notification of Convictions

Any employee who is convicted of violating a criminal drug statute must notifythe Chief Human Resources Officer in writing within five calendar days of theconviction. Under this rule, a conviction includes a finding of guilt, a plea of nolocontendere, and/or the imposition of a sentence by any judicial body responsiblefor determining violations of federal or state criminal drug statutes.

5. Consequences

One of the goals of our drug-free workplace program is to encourage employeesto voluntarily seek help with drug problems. If, however, an individual violatesthe policy, the employee will be subject to appropriate disciplinary action, up toand including termination.

6. Confidentiality

All information received by the organization through the drug-free workplaceprogram is confidential communication. Access to this information is limited tothose who have a legitimate need to know in compliance with relevant laws andmanagement policies.

7. Communication

Communicating our drug-free workplace policy to both supervisors andemployees is critical to our success. To ensure all employees are aware of theirrole in supporting our drug-free workplace program:

• All employees will receive a written copy of the policy.



I HAVE CAREFULLY READ AND UNDERSTAND ALL MATERIALS PERTAINING TO THE DRUG-FREE WORKPLACE POLICY.

Print Name

Signature

__________________________

Date

Employee Package Sexual Harassment Policy

1 of 4 AFN-F-Adm_SexualHarassmentPolicy.pdf | Rev. 08/26/2016

SEXUAL HARASSMENT POLICY

1. Harassment

Harassment Policy: Consistent with the obligation of being an equal opportunity employer which upholds the highest standards of personal behavior, American Financial Network, Inc. (AFN) strongly opposes discriminatory harassment of its employees in any form by supervisors, coworkers, or non-employees. AFN recognizes that in today's society, and in the contentious and stressful circumstances that often arise in this business, a reasonable degree of latitude must be permitted as a matter of law and common sense for conduct that is merely offensive or not "politically correct." However, AFN does not tolerate slurs, jokes, or other verbal, graphic, or physical acts which demean the race, color, religion, sexual orientation, gender, gender identity and/or expression, age, national origin, disability, or veteran status of any employee of the Company and are so severe or pervasive that they create a work environment that would reasonably be perceived, and is perceived, by an employee of the Company as hostile or abusive. Engagement in any of these activities may result in disciplinary action up to and including termination. Furthermore, American Financial Network, Inc. may seek legal redress against anyone who engages in discriminatory harassment, including attorneys' fees and costs incurred by American Financial Network, Inc. as a result of such activities.

In addition, adverse personnel actions, including but not limited to negative performance evaluations by management or supervising employees, that are intended to retaliate against a person for having made a bona fide complaint of discriminatory harassment are not tolerated at American Financial Network, Inc. Engagement in any such retaliation may result in disciplinary action up to and including termination. Furthermore, AFN may seek legal redress against anyone who engages in retaliatory conduct, including attorneys' fees and costs incurred by AFN as a result of such activities.

Employees who regard another person's conduct toward them as offensive and potentially discriminatory are strongly encouraged to indicate promptly and firmly to the offender that his or her behavior is offensive and unwelcome. If the conduct persists or if for some reason the offended individual is uncomfortable attempting to handle the situation alone in this manner, the matter should be brought to the attention of AFN’s management through the complaint procedure set forth in this policy.



All complaints of discriminatory harassment or retaliation for initiating a complaint of discriminatory harassment will be handled discreetly and promptly investigated by whatever means are appropriate under the circumstances. Except as necessary to investigate the complaint, take appropriate remedial measures, and participate or cooperate in any legal and/or administrative proceedings in which the complaint is an issue, every effort will be made to keep the complaint confidential.

Complaints of Harassment: Complaints should be made in writing, signed by the person who is complaining, and addressed to a person designated (below) to receive and act on such complaints. Alternatively, complaints may be made orally to a person designated (below) to receive and act on them, and will promptly be transcribed in writing by the recipient and submitted to the complainant for approval and signature.

Except as stated below with respect to sexual harassment, complaints should be made to the President of the Corporation, the Vice President of the Corporation, or the Chief Human Resources Officer.

The complainant(s) and any person whose conduct is the subject of the complaint will be advised of the disposition of the complaint.

2. Sexual Harassment

Sexual Harassment Policy: Unwelcome sexual advances, requests for sexual favors, and other verbal or physical contact of a sexual nature constitute impermissible sexual harassment when (1) submission to such conduct is stated either explicitly or implicitly as a condition of an individual's partnership, employment, or career advancement, (2) submission to or rejection of such conduct is used as a basis for partnership, employment, or promotional decisions affecting an individual, or (3) such conduct is severe or pervasive enough to create a work environment that, in light of all the circumstances, would reasonably be perceived, and is perceived, as hostile or abusive. These activities will not be tolerated at American Financial Network, Inc.

Complaints of Sexual Harassment: All complaints should be made in writing, signed by the person who is complaining, and addressed to a person designated below to receive and act on such complaints. Alternatively, complaints may be made orally to a person designated below to receive and act on them, and will promptly be transcribed in writing by the recipient and submitted to the complainant for approval and signature.



3. Consenting Romantic and Sexual Relationships

AFN does not have a policy prohibiting "dating" or other consenting romantic and sexual relationships between any persons associated with the company. We believe conduct between consenting adults who are associated with AFN are ordinarily matters between the individuals involved. Unless such conduct is made the subject of a sexual harassment complaint or is otherwise deemed by the management of AFN to give rise to concerns affecting the work environment or the goodwill of the company, AFN will not inquire into or take action with respect to such conduct.

Genuinely consenting romantic and sexual relationships are not sexual harassment, but they deserve special comment as part of this policy statement on harassment.

Some seemingly consensual relationships are not genuinely consensual relationships but are, or at least are perceived by one of the parties to be, a form of sexual harassment. Similarly, genuinely consensual relationships that break up, sometimes acrimoniously, turn in to or are perceived by one of the parties to have turned in to, a form of sexual harassment, particularly if any adverse personnel action follows the break-up.

Relationships of these types give rise to legitimate business concerns when one of the individuals is in any kind of supervisory relationship with the other. It is important to bear in mind that the respect and trust accorded a person by his/her subordinate, as well as the authority exercised by that person in evaluating or otherwise supervising his/her subordinate, could greatly diminish the subordinate's actual freedom of choice, so that what might appear to the person in a supervisory position to be a consenting relationship may not be perceived that way by the "consenting" subordinate. In addition, even a genuinely consensual relationship involving a person in a supervisory role gives rise to concerns that decisions affecting both the subordinate party to that relationship and his or her peers are tainted by favoritism. This caution applies to all of the many supervisor-subordinate relationships that exist in this Corporation.



I HAVE CAREFULLY READ AND UNDERSTAND ALL MATERIALS PERTAINING TO SEXUAL HARASSMENT.

Print Name

Signature

Date

EMPLOYEE PACKAGE EMERGENCY AND INSURANCE INFORMATION

AFN-F-Adm-EmergencyContact-EmpPkg.pdf | Rev. 03/04/2016

EMERGENCY AND INSURANCE INFORMATION

Employee Name: Marital Status:

Emergency Contact: Telephone #:

Address:

Dependents for Insurance Purposes Only

Name Relationship Birth SSN

Job applicant: Fill in the lines below and check any boxes that apply. Complete only this side.

Your name Social security number ▶

Street address where you live

City or town, state, and ZIP code

County Telephone number

If you are under age 40, enter your date of birth (month, day, year)

1 Check here if you received a conditional certification from the state workforce agency (SWA) or a participating local agency

for the work opportunity credit.

2 Check here if any of the following statements apply to you.

• I am a member of a family that has received assistance from Temporary Assistance for Needy Families (TANF) for any 9

months during the past 18 months.

• I am a veteran and a member of a family that received Supplemental Nutrition Assistance Program (SNAP) benefits (food

stamps) for at least a 3-month period during the past 15 months.

• I was referred here by a rehabilitation agency approved by the state, an employment network under the Ticket to Work

program, or the Department of Veterans Affairs.

• I am at least age 18 but not age 40 or older and I am a member of a family that:

a. Received SNAP benefits (food stamps) for the past 6 months; or

b. Received SNAP benefits (food stamps) for at least 3 of the past 5 months, but is no longer eligible to receive them.

• During the past year, I was convicted of a felony or released from prison for a felony.

• I received supplemental security income (SSI) benefits for any month ending during the past 60 days.

• I am a veteran and I was unemployed for a period or periods totaling at least 4 weeks but less than 6 months during the

past year.

3 Check here if you are a veteran and you were unemployed for a period or periods totaling at least 6 months during the past

year.

4 Check here if you are a veteran entitled to compensation for a service-connected disability and you were discharged or

released from active duty in the U.S. Armed Forces during the past year.

5 Check here if you are a veteran entitled to compensation for a service-connected disability and you were unemployed for a

period or periods totaling at least 6 months during the past year.

6 Check here if you are a member of a family that:

• Received TANF payments for at least the past 18 months; or

• Received TANF payments for any 18 months beginning after August 5, 1997, and the earliest 18-month period beginning

after August 5, 1997, ended during the past 2 years; or

• Stopped being eligible for TANF payments during the past 2 years because federal or state law limited the maximum time

those payments could be made.

Signature—All Applicants Must Sign

Under penalties of perjury, I declare that I gave the above information to the employer on or before the day I was offered a job, and it is, to the best of my knowledge, true,

correct, and complete.

Job applicant’s signature ▶ Date

Cat. No. 22851L Form 8850 (Rev. 3-2015)

Form 8850 (Rev. March 2015)

Department of the Treasury Internal Revenue Service

Pre-Screening Notice and Certification Request for the Work Opportunity Credit

▶ Information about Form 8850 and its separate instructions is at www.irs.gov/form8850.

OMB No. 1545-1500

http://www.irs.gov/form8850