CITIprimegroup.com                                    A Global Capital Company
America's Commercial Real Estate Alternative Funding Solution Experts                                                              Apply or Talk to a Business Financial Expert
                                                                                                                                                                                                        
TOLL FREE: 866-675-3729

OUR ADVANTAGE: 24 HOUR TERM SHEET  - FLEXIBLE UNDERWRITING - FAST FUNDING - LOW FEES OR NO UPFRONT COST - MULTIPLE LOAN OFFERS
The SBA 7(a) loan, the most common general-purpose SBA loan, offers single and multiple disbursement term and
real estate loans.
Use your loan for working capital or to purchase a business, inventory, or land for construction.

                                                  Ideal For:        

For-profit businesses that need funds for expansion, purchase another business or manage cash flow. The 7a term loan is
also an effective financing tool for experienced business owners who are starting a new business. Your business must meet
SBA guidelines.

                                                 How it Works   

A 7(a) loan offers flexibility, longer terms, and lower down payments, compared to other types of business financing.
Because it is backed by a SBA guarantee, you can access larger lump sum funding to fund start-up costs, equipment,
inventory and working capital.
Longer terms offer you lower payments to free up cash flow while you grow your businesses.
Does it work for you? Ask a SBA Business consultant.
Call 866-675-3729, Monday through Friday from
7:00 am to 7:00 pm Central Time.

Additional Information
                                     Credit Amount            

Term Loans from $25,000 to $5 million.
SBA LOANS: Up to 20 years on Real Estate; Up to 10 years on Machinery or Equipment.

                                          Terms
             •        Working Capital: up to 7 years.
             •        Equipment: up to 10 years (or useful life).
             •        Real Estate: up to 25 years.

                         
   Interest Rates    
             •        Fixed or variable.
             •        Terms less than 7 years: NY Prime + 2.25%.
             •        Terms equal to or greater than 7 years: NY Prime + 2.75%.

                             
 Collateral        
Our SBA Bank will take a secured interest business assets and/or a mortgage on real estate.

                     
             Fees      
            •        
SBA Guarantee Fees:
   Loans up to $150,000 — 3% of the guaranteed portion of the loan.
   Loans from $150,001 to $750,000 — 4% of the guaranteed portion of the loan.
   Loans from $750,001 to $5 million — 4.5% of the guaranteed portion up to $1 million and then 3.75% for guaranty
   above $1 million.
         •       SBA Packaging Fee: $1,500.
         •       Filing Fees: Minimum of $50.
         •       Processing and Credit report: $575

                   
Underwriting Requirements       
        •        Personal guaranties by all owners of 20% or more.
        •        Adequate business collateral, or personal assets securing personal guaranty, i.e. mortgage on a home.
        •        Hazard Insurance.

                             
  Financing      
       •        Loans less than or equal to $150,000 — SBA provides 85% guarantee.
       •        Loans greater than $150,000 — Guaranteed amount is 75%.

                          
 For More Information     
       •        Review our Frequently Asked Questions.
       •        Compare our Small Business Administration financing solutions.
       •        Learn how you can use your funds.

              How to Apply   
newloans@citiprimegroup.com   
      •        See if you qualify.
      •        Apply by phone: 18009286154.
•        Apply in person at a CITI PRIME GROUP location near you.
•        Learn what business information you need before you apply.



             Looking for Financing for Your Franchise?

The 504 loan is designed for business owners who plan to expand their operations through land acquisition, building
acquisition or construction or finance machinery or equipment purchase.
                                                               
 Ideal For      

Business owners who want a long-term fixed rate or adjustable rate loan to purchase, expand or construct owner-occupied real
estate or purchase major, long-term (i.e. 10 year or longer usage projection) equipment. Businesses must meet SBA guidelines.

                                                          
  How it Works       

Backed by the SBA, the 504 loan is generally is funded from three sources: Various affiliated SBA Banks in designated States,
the SBA and equity from the borrower.

There is also a requirement to meet certain local economic objectives, such as revitalization and redevelopment, income
generation or business development.

Plus, benefit from longer terms and amortization and below market rates, compared to other types of business financing.

                                                     
  Does it work for you?        
Ask a CITI Financial consultant. Call 1866-675-3729, Monday through Friday from
7:00 am to 7:00 pm Central Time.
Additional Information
                                                            Credit Amount      

Term Loans from $150,000 to $6,000,000 (up to $5,000,000 for public policy loans or $5,500,000 for manufacturing
companies).
                                                                     Terms        

         •        SBA Loan: Up to 20 years on Real Estate; Up to 10 years on Machinery or Equipment.
         •        SBA Loan: 20 years.
                                                             
 Interest Rates       

        •        SBA Loan: Fixed or variable — negotiated rate between borrower and Bank.
        •        SBA Loan: Below market fixed interest payment; loan rate set when debenture is sold.

                                                                    
   Collateral      
        •        Assets being financed.
        •        Lender holds First Mortgage on real estate or First Secured Interest in equipment and machinery.
        •        SBA holds Second Mortgage on real estate or Second Secured Interest in equipment or machinery.

                                                                        
Fees       
      Generally 4.5% of SBA debenture amount and this fee may be financed in the loan.

                                             
       Underwriting Requirements       
     •        Personal guaranties by all owners of 20% or more.
     •        Adequate business collateral, or personal assets securing personal guaranty, i.e. mortgage on a home.
     •        Hazard Insurance.
                                                        
 Financing
     •        50% financed by Lender.
     •        40% SBA Loan through Certified Development Company.
     •        10% Borrower Equity injection.

                                        
For More Information      
    •        Review Frequently Asked Questions.
    •        Compare our Small Business Administration financing solutions.
    •        Learn how you can use your funds.
                                           
  How to Apply        


      •        How to Apply   newloans@citiprimegroup.com   
      •        See if you qualify.
      •        Apply by phone: 1866-675-3729.
      •        Apply in person at a CITI PRIME GROUP location near you.
      •        Learn what business information you need before you apply.

                    RECENT CLOSING OR IN THE PROCESS

AMOUNT       INDUSTRY / LOAN / STATE              AMOUNT            INDUSTRY/LOAN/STATE
$4,310,000        Elecronic Mfg.(7a) / MN                 $1,075,000        Advertising services / 7(a) / CA
$1,670,000        Own. Occ Office (7a loan)             $1,108,500        Recreation / 7(a) / UT
$1,500,000        Scientific Svc's / 7(a) / UT              $2,100,000        Aluminum Production / 7(a) / TX
$1,350,000        Child learning Ctr. (7a loan) / CA   $580,000         Electrical Contractors / 7(a) / TX
$775,000           Retail Feed Sup. (7a loan) / CA     $712,500        R/E agents / 7(a) / NV
$1,400,000        Spec. Food Prod. (7a loan) / CA    $1,900,000     Nursing and Res.Care / 7(a) / CA
$2,475,000        Spec. Food Prod. (504) / C            $1,200,000        Store Retailer / 7(a) / UT
$1,877,673        Spec. Food Prod.(504) / CA           $500,000            ISP / 7(a) / AZ
$1,117,000        Wholesale Flooring (7a loan) / CA  $2,673,000        Hardware Stores / 7(a) / KY
$4,998,000        Retail Liquor Store (USDA) / CO     $1,012,500        Auto body, paint / 7(a)/ UT
$1,080,000        HVAC Contractor (7a loan) / CO     $1,687,500        Assisted Living / 7(a)/Const / NV
$4,750,000        Oil Well Srvcing.(USDA) / LA           $457,500            Surgical Centers / 7(a)/Const / CA
$1,667,000        Car Wash (7a loan) / CO                 $3,060,000        Auto Repair / 7(a)/Const / UT
$1,174,000        Gas C-Store (7a loan) / TX              $1,000,000        Investigation Services / 7(a) / FL
$1,090,000        Pre-school (7a loan) / FL                 $1,316,700        Grocery store / 7(a) / CO
$724,000           Bar/ Restaurant (7a loan) / IL          $1,316,800        Grocery store / 7(a) / CO
$977,600        Car Wash (7a loan) / NC                     $880,000        Used merch. stores / 7(a) / CA
$2,000,000        Hotel (7a loan) / NM                          $1,065,000        Gasoline Stations / 7(a) / CA
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Citi Prime Group diverse in-house origination capabilities, encompassing Fannie Mae, Freddie Mac, FHA, Hard Money, Hedge Funds, conduit, bridge, mezzanine, and balance sheet whole loans,CitiGroup provides the capacity to structure deals to meet the
customized needs of our borrower. This has been realized in the steady growth of our origination portfolio - with approximately $1.1 billion in closed loans in 2004, $2.5 billion in 2005, and approximately $3 billion in both 2006 and 2007 with our affiliates
Lenders. We manage the entire loan process from application to securitization and beyond, we remain highly attentive to our borrower’s complex needs throughout the life of the loan, combining the benefits of our capital markets expertise with the approach of
a portfolio lender.The synergistic combination of commercial real estate lending, servicing, special servicing, capital markets expertise and high-yield investment capabilities that CitiGroup Commercial offers affords a unique position in the market, enabling us
to provide a full array of products and services to borrowers, mortgage brokers and investors - creating value every step of the way.  Our agility, dedication and resources are unmatched - offering the best in service, execution and commitment.

CitiPrimeGroup, New York, NY    2009 CitiPrimeGroup. All rights reserved   Tel: 866-675-3729  Apply online        A  Nationwide Financial Consulting Firm