1. Community Entrepreneurship Academy Federal Home Loan Bank of Des Moines October 20, 2004

2. Twelve Bank Districts Des Moines

3. Des Moines District Members North Dakota 65 South Dakota 63 Minnesota 398 Iowa 386 Missouri 324 TOTAL MEMBERSHIP 1236

4. Leadership Development-- Leading the Way 25 Iowa Communities, 100 participants Heartland Institute for Leadership Development Strategic Planning, Facilitation, Visioning, Asset Based The first step is a core group of leaders

5. Capital Communities Recognition of successful small town development Create environment of successful ideas Charles City, IA--- Main Street, Planning Manning, IA-- main street, tourism,community foundations Nevada, MO, Wi-Fi

6. ADVANCES- Loans to our members Over $24 Billion- overnight to 20 years Covers all aspects of lending– typical community bank (under $250 million in assets) about 15% commercial real estate, 14% commercial/industrial

7. Community Investment Advances Advances at priced just above our cost of funds Small Business– no income requirements-- $8 million in 2004 specifically for small business building or equipment 6 months to 20 years Communities at or below 115% AMI