Borrower Benefits
   Low down payment of only 10%
   Long repayment terms reducing monthly payments
   Frees up cash flow to expand your business
  Many rate options including long term fixed rates

Use of Proceeds
  Purchase, construction or renovation of owner-occupied commercial real estate
  Refinancing of existing debt is not permitted with a 504. Please refer to SBA 7a for refinance transactions

Standard Loan Structure
  50% financing - First mortgage (up to $5 million)
  40% financing - SBA 504 second mortgage (SBA/Certified Development Corporation
       provides up to $2 million)
  10% minimum down payment by the borrower (15% in the case of special use properties)

Terms

First Mortgage	25 years, fully amortized
	Fixed, floating and adjustable rates available
	Competitive fee structure
	Prepayment penalty applies & is set based on various factors
Second Mortgage	20 years, fully amortized
	Fixed rate is determined at SBA-guaranteed 504 debenture sale
	Fees set by CDC
	Prepayment penalty for initial 10 years, none after the end of year 10

Pre-Screen
  Pre-screen service available within 24 hours with no charge or obligation by providing
      limited information.