1. Mass Growth Capital Corporation
February 4, 2013
Introduction of Paul and Sheila and overview of what we are going to say. Overview of CDP and CCFT, a bit about our challenges on Cape, Our programs, our partnerhsip, a client example , Insight into challenges of fishing today, and what’s ahead.

2. Cape Cod Challenges Remote Coastal Limited infrastructure
High Cost of Living
Seasonality
CDP has integrated solutions of Affordable housing and Economic development into their programs for 20 years. Unlike some communities you can not escape the high costs of living and seasonality of our businesses to work on the Cape. Year round businesses are few and far between and exodus of young professionals in search of jobs and homes has impacted us greatly. Maybe you or your children had summer job on Cape and spent all their wages on rent. Imagine a family trying to make a go of it.

3. Our Objectives
Strengthen business sectors with competitive regional advantage
Increase energy efficiency and local renewable energy generation
Increase the affordability and availability of safe, stable year round housing for local residents.
Strengthen: TA and Loans
Increase: Cape & Islands Green, Real Return
Increase: 58 Units of Affordable housing, Housing Rehab Program

4. Our Fishermen Small Boats (35-50 ft) Capt & 1-4 Crew
Independent & Owner Operated
Diversified & Opportunistic. (Cod, Haddock, Lobster, Scallop, Tuna, Skate, Dogfish, Monkfish)
Diversity creates stability
Culturally important
Good Cape Cod jobs
Growth Industry with fish rebuilding

5. Fish Management: The Basics
Scientists set quotas annually
Fishermen receive a % share
Quotas are tradable and leasable
Rapid price appreciation
Smaller businesses face capital challenges
Catching fish is no longer the toughest challenge for fishermen

6. A Novel Solution We buy fish quota
We lease fish quota to eligible Cape Cod fishermen at 50% of market price.
We use the application process to reinforce best business practices.
Helps local fishermen improve their business competitiveness
Offers business planning & other business technical assistance
Too many words on slide. Good message

7. Partnership Model Working Together CCFT CDP Complimentary Expertise
Communication
Respecting our Differences
CCFT
Trusted by Fishermen
Industry Leader
Regulatory Expert
CDP
Economic Development
T/A & Loans
Quota Management
Working together for 4 years. Partnership has evolved due to maturity of program, funding needs and evolution of our program. Remains a national model for collaboration and fisheries management.

8. Status today Fishermen Case Study Fisherman: Ryan
New Boat, Permit, Quota
2 loans for $155,000
1 line of Credit
2 FT and 2 PT employees
Applying for CCFT Program
Fishermen Case Study
Fisherman: Ryan
T/A for Business expansion 8

9. What’s next Innovative Loan Programs Fish Hub – Software
New Entrants to program
Developing innovative loan program to help scallop fishermen buy the quota.
CDP and CCFT worked for a year to develop an online tool specifically designed for fishermen to manage their business- Fish Hub
Priority this year to bring in new fishermen into the program