1. Loan TypeSBA 504Regional 166CDBGChild Day Care Eligible Uses  Purchase of Land &/or Buildings  Purchase of Capital Equipment  Construction  Refinancing*  Purchase of Land &/or Buildings  Purchase of Capital Equipment  Construction  Purchase of Land &/or Buildings  Purchase of Capital Equipment  Construction  Working capital  Minor remodel or upgrade  Play Equipment  Creative Learning Tools  Working Capital  Inventory Typical Structure 50% - Private Lender 40% - 10% - Equity Injection 50% - Private Lender 40% - 10% - Equity Injection 50% - Private Lender 40% - 10% - Equity Injection 100% - Dollar Limits Maximum $5,500,000* Minimum $50,000 Maximum $500,000*Maximum $100,000Maximum $25,000 Term 10 or 20 yearsUseful life of asset up to 15 years Maximum of 5 years Rate Fixed for term of loan with effective rate near 5%* Generally 2/3rds of Prime (2.625% as of 1/01/14)* Two/Thirds of Prime (3% minimum) Below market interest rates Collateral Second mortgage or lien on project assets Shared first mortgage or lien on project assets (second possible*) Mortgage on real estate, liens on machinery, equipment, and/or other assets First lien on all project assets, & best lien on other collateral deemed necessary, personal guarantees Requirements  For-profit, owner occupied small businesses  Size standards determined by NAICS code  Jobs*  For-profit owner occupied small businesses  Jobs*  For-profit owner- occupied small businesses  Prevailing wage required for construction projects  Jobs*  Prevailing wage requirements for construction Gary Fischer, Business Loan Officer 130 W. Second St., Suite 1420 Dayton, OH 45402 937-531-7038 Fax 937-531-7039 www.bizcap.org Small Business Lending Programs A Program of County Corp & County Corp Development 2/28/14 * Contact your BizCap Business Loan Officer for more information

2. Loan TypeSBA 504Regional 166CDBGChild Day Care Fees & Closing Costs  Application: $1,500 (refunded at closing)  Est. processing fees 2.66% (financed within loan)  BizCap closing costs up to $2,500 can be financed in loan  Application: $500  Processing: 1½% paid at loan closing  Closing costs in excess of $500 & out-of-pocket expenses  ¼% per annum servicing fee  Application: $100  Processing: 1½% paid at loan closing  Closing costs in excess of $100 & out-of-pocket expenses.  Application: $100  Closing costs Ineligible Uses or Businesses  Passive investment companies  Spec real estate  Not-for-profits  Full listing of ineligible business types, see 13 § CFR 120.110  Retail projects & businesses  Spec real estate  Not-for-profits  Rolling Stock  Working capital  Debt refinancing  Speculative real estate  Not-for-profits  Rolling Stock  Debt refinancing  Non-licensed child care organizations or individuals Program Purpose Job creation/retention through expansion of small businesses Job creation/retention for Ohio based businesses Job creation/retention to benefit low/moderate persons Funding to assist licensed child care providers Locations  Statewide in Ohio  Fayette, Franklin, Jay, Randolph, Union & Wayne Counties in Indiana  Statewide in Ohio  Industrial projects: Montgomery Co. outside Dayton  Commercial Projects: Targeted commercial strips, minority owned, female owned, rural business  Montgomery County Small Business Lending Programs 2/28/14 Contact your BizCap Business Loan Officer for more information Gary Fischer, Business Loan Officer 130 W. Second St., Suite 1420 Dayton, OH 45402 937-531-7038 Fax 937-531-7039 www.bizcap.org A Program of County Corp & County Corp Development