“ Show Me The Money” - Capital Access Presented by Harris, N.A. Mark Papoccia (815) 774-4096

Harris’ SBA Products and Benefits of them for you Overview Harris’ SBA Products and Benefits of them for you Tips on how to be Successful with Financial Institutions

Small Business Owner’s Benefits SBA 7A Program Small Business Owner’s Benefits Obtain reasonable financing not available elsewhere Longer maturities available…lower payments and less cash flow out Limits on financing costs…conserve cash flow Fast turnaround from SBA...most decisions within 36 hrs. Bank’s Benefits Additional guarantor support Provides more flexibility than conventional lending Fast turnaround from SBA…most decisions within 36 hrs.

Small Business Owner’s Benefits Bank’s Benefits SBA Express Program Small Business Owner’s Benefits Obtain reasonable financing not elsewhere available Minimal paperwork for borrower Bank’s Benefits Additional guarantor Provides more flexibility than conventional lending Potentially fewer monitoring requirements (i.e. maybe less financial reporting) Internal approval sufficient…no additional approvals needed from SBA Minimal additional paperwork for lender…internal bank documents used

SBA 504 Loan Program Small Business Owner Benefits Bank’s Benefits Lower down payment than conventional financing…borrower can conserve working capital Conventional financing is a percentage of appraised value…504 is a percentage of total project costs All Certified Development Company (CDC) fees are financed in the debenture…lower total project fees Attractive long-term, fixed-rate financing Bank’s Benefits Reduced risk can provide 90% financing with 50% Loan To Value (LTV) No SBA paperwork for lender…completed by participating CDC

SBA Export Working Capital Program Small Business Owner Benefits Obtain reasonable financing not available elsewhere Transaction financing available for a single order Low guarantee fee Pre-shipment financing available Bank’s Benefits Additional guarantor support Higher guarantee than other SBA programs…up 90% guarantee Provides more flexibility than conventional lending

Small Business Owners Benefits SBA CAPLines Program Small Business Owners Benefits Obtain reasonable credit not available elsewhere Flexible structuring to accommodate cash cycle Bank’s Benefits Additional guarantor for higher risk loans Provides more flexibility than conventional lending Fast turnaround from SBA…most decisions within 36 hrs.

SBA Patriot Express Program Small Business Owners Benefits Obtain reasonable financing not elsewhere available Minimal paperwork for borrower Bank’s Benefits Additional guarantor support Provides more flexibility than conventional lending Potentially fewer monitoring requirements (i.e. less financial reporting) Internal approval sufficient…no additional approvals needed from SBA Minimal additional paperwork for lender…internal bank documents used

Tips on how to be Successful with Financial Institutions Communication Information Make sure they understand Value

Communication Important in any relationship

Information What When Why

Make Sure They Understand Your Business Your Industry Your Challenges Your Risks Your Goals

Ask Yourself what Value the Financial Institution Delivers Advice Ideas Challenges Industry Tactics Risk Cash Flow Cost Savings Revenue Efficiency Reaching Your Goals Personal Employees Business

SBA Loan Products and Value?! Conclusion SBA Loan Products and Value?!