UTAH CENTER FOR NEIGHBORHOOD STABILIZATION 2200 South Highland

UTAH CENTER FOR NEIGHBORHOOD STABILIZATION 2200 South Highland Drive, Salt Lake City, Utah 84106 Phone: 801. 464. 2292 www. utsbgi. com © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

UCAH IMPACT TO-DATE (AS OF APRIL 30, 2013) Summary 75 Property SFR Single Family Homes 92 Apartment Units 60 Multi – family Units Land Lots 180 Lots Condos 74 49 Totals 201 Total Affordable Housing Units © 2012 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential. 120 300 575 74

HOUSING PLUS © 2012 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS

UTAH SMALL BUSINESS GROWTH INITIATIVE (USBGI) Small Business Jobs Act of 2010 State Small Business Credit Initiative State Received $13. 1 million § Loan Guarantee $7. 5 million § Loan Participation $1. 3 million § Venture Capital $4. 0 million © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

OBJECTIVES Create Jobs Leverage funds 10: 1 Make Small Business Loans § Minority and Women Owned Businesses § Located in Low-to-Moderate Income Neighborhoods § Underserved Small Businesses © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

LOAN GUARANTEE PROGRAM Up to 80% Guarantee of Loan Amount 3 Year Average Target

LOAN PARTICIPATION PROGRAM Up to 50% Purchase or Subordinate Participation Flexible Terms and Rates Origination Fee Apply © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

KEY CREDIT &LOAN CHARACTERISTICS What types of borrowers are eligible? What sizes of loans are eligible? What types of loans are eligible? How can loan proceeds be used? Who negotiates the terms of the loan? © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

OPERATING MECHANICS What kinds of lenders are eligible to participate? Who originates loans in this program? Who has underwriting responsibility? How are these loans monitored? What kinds of fees may be charged? What is the loan term? What percentage of the loan can USBGI participate/guarantee? © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

EXAMPLES OF LOANS FUNDED BY USBGI $332, 000 construction loan participation with a 4 th lien position and 97% LTV $100, 000 80% loan guarantee on working capital LOC to expand an existing business $525, 000 80% loan guarantee for equipment and working capital LOC to an existing business $20, 000 80% loan guarantee for a woman owned start-up business in Moab, UT $250, 000 loan participation to purchase inventory © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

HOW CAN YOU PARTICIPATE? Send us a list of your foreclosed properties Invest in our venture capital fund Use our loan products to strengthen your loans Loan money to our CDFI © 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.