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.

UTAH CENTER FOR NEIGHBORHOOD STABILIZATION

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

UCAH Impact To-Date (As of April 30, 2013)

Summary75Property SFR Land Lots

Single Family Homes 92    Apartment Units

60    

Multi – family Units  180  

Lots     74

Condos 49 120  Totals 201 300 74

 Total Affordable Housing Units 575 

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

Housing Plus

© 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

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 Term

4% Guarantee Fee

© 2013 Utah Center for Neighborhood Stabilization LLC. All Rights Reserved. UCNS Confidential.

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 4th 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.

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