1. USDA Rural Development Investing In Rural Nebraska Communities…One Relationship at a Time

2. Sioux Dawes Box Butte Scotts Bluff Sheridan Banner Kimball Cheyenne MorrillGarden Deuel Cherry GrantHookerThomas Arthur McPherson Loga n Keith Perkins Lincoln Chase Dundy Hayes Hitchcock Red Willow Frontier Brown Rock Keya Paha Boyd Holt Blaine Knox Antelope Pierce Cedar Dixon Wheeler Greeley Nance Boone Madison Stan- ton WayneThurston Dakota RichardsonPawneeJeffersonThayerNuckoll s Cla y Fillmore Hamil- ton York Seward John- son Nemaha Otoe Cass Saline Gage Lancas- ter Butler PolkSarpy Douglas Saunders Wash- ington DodgeColfaxPlatte Cuming Burt Loup Garfield Custer Valley ShermanHoward Dawson Buffalo Hall Gosper Furnas Harlan Phelps Franklin Kearney Adams Merrick Rural Development Offices Webster Scottsbluff Area Office 818 Ferdinand Plaza, Suite B Scottsbluff, NE 69361 P: 308-632-2195 x4 Kearney Area Office 4009 6 th Avenue, Suite 1 Kearney, NE 68845 P: 308-237-3118 x4 Lincoln Area Office 8000 South 15 th Street, Suite E Lincoln, NE 68512 P: 402-423-9683 x4 Norfolk Area Office 1909 Vicki Lane, Suite 103, Norfolk, NE 68701 P: 402-371-5350 x4 North Platte Sub-Area Office 1202 S. Cottonwood Street, Suite 3 North Platte, NE 69101 P: 308-534-2360 x4 Ainsworth Sub-Area Office 731 East 4 th Street Ainsworth, NE 69210 P: 402-387-2242 x4 October 1, 2008 State Office, 100 Centennial Mall North Lincoln, NE. 68508 P: 402-437-5551

3. Building Your Community From the Ground Up Business –growth and establishment of local businesses and cooperatives--energy opportunities Community Facilities – programs to build and improve community facilities such as hospitals, health clinics and emergency response facilities Utilities - assisting rural communities to improve water, energy, telecommunications and broadband services Housing –homeownership and development of affordable rental housing

4. The Programs – Water and Waste % of Loan Guaranteed Up to 90% (Does not apply in direct program) Loan Amounts Based on project; no maximum; the amount is based on project feasibility, reasonable project costs & cash flow Loan Terms Limited to useful life of the security, maximum 40 years Fees1% of guarantee; no renewal fee (Does not apply in direct program) Loan Uses Construction and non-construction costs Borrower Types Non-profit corporations and public bodies, including municipalities, counties, special-purpose districts and Indian tribes Community size Population up to 10,000

5. Water and Waste Success Story – Regional Water System (Southwest Nebraska) 3 Communities Quality Water Reduced Capital Costs Total Project Cost – $5.6MM –RD Loan $1.6MM –RD Grant $2.3MM –ECWAG $1.2MM –CDBG $500M

6. The Programs – Community Facilities (CF) % of Loan Guaranteed Up to 90% Loan Amounts Based on project; no maximum; the amount is based on project feasibility, reasonable project costs & cash flow Loan Terms Limited to useful life of security; maximum 40 years Fees1% of guarantee; no renewal fee Loan Uses Land acquisition, construction, expansion or improvement, equipment, fixtures, legal and other professional fees Borrower Types Public bodies, not-for-profit organizations and Indian tribes Community size Population up to 20,000

7. Community Facility Success Story – The Siouxland Y – Norm Waitt Sr. YMCA Fitness Recreational Facility Community Support Expanded Services Estimated Cost – $10.9 MM -Guarantee $3.8MM -Pledges & $7.1MM Donations

8. The Programs – Business & Industry (B&I) % of Loan Guaranteed Up to 80% Loan Amounts Up to $25 million Loan Terms Real Estate – 30; Machinery & Equipment – 15; Term Working Capital – 7 FeesOne-time guarantee fee of 2% (1% in special cases) Annual renewal fee of 0.25% on outstanding balance Loan Uses New construction, equipment, expansion, working capital and debt restructuring Borrower Types New or existing businesses. Business does not have to be headquartered in the rural community, just conducting business there. Community size Population up to 50,000

9. Business & Industry Success Story – Hy-Way Trailer, Henderson Transfer of ownership Existing owner retained as employee to ensure success Guarantee allowed bank to finance the deal Extended terms provided benefit to borrowers Retention of 3 employees

10. The Programs – Energy % of Loan Guaranteed Up to 85% Guaranteed portion up to 75% of total eligible project costs Loan Amounts Minimum: $5,000. Maximum: $25 million Loan Terms Real Estate – 30; Machinery & Equipment – 20; Term Working Capital – 7 FeesOne-time guarantee fee of 1%. Annual renewal fee of 0.25% on outstanding balance Loan Uses Purchase and installation of renewable energy systems or improvements in energy efficiency Borrower Types Farmers, ranchers, livestock operations, rural electric cooperatives and rural small businesses Community size Population up to 50,000

11. Energy Success Story – Mr. J’s Affiliated Foods, Burwell Energy Efficiency Improvements Replacement of Freezers & Compressors 62% Energy Savings 8 Year Payback Project Costs – $16,800 –Grant $3,200 –Bank Loan $13,600

12. The Programs – Single Family Home Ownership % of Loan Guaranteed 90% Guarantee Loan Amounts There is no maximum mortgage or loan limits 100% financing, No PMI Loan Terms 30 years, fixed rate FeesOne-time 2% guarantee fee Loan Uses Construct new (stick built, modular or manufactured) or the purchase an existing single family home, including modular homes. Funds for repairs can be included with the purchase of an existing home. Borrower Types Individuals and households Community size Population up to 20,000

13. Home Ownership Success Story – David & Karrie Huryta, Ravenna Making Homeownership a REALITY Teamwork Approach –City –Contractor –Lender –USDA Rural Development Financing with USDA guarantee Guarantee – $82,235

14. The Programs – Rural Rental Housing % of Loan Guaranteed Up to 90%. Loan Amounts No maximum amount if interest credit is not included $1.5 Million if interest credit is included Loan Terms Up to 40 years, but not to exceed the remaining economic life of the security Fees$2,500 application fee and a 1% guarantee fee Renewal fee of.5% Loan Uses New construction or purchase of existing building with rehab needs Borrower Types Individuals, partnerships, non-profit and for-profit corporations, and limited liability companies Community size Population up to 20,000

15. Rural Rental Housing Success Story – Kelley Creek Apartments, McCook 24 units Assist low and moderate income families Total project costs, $1.8MM –Guarantee of tax exempt bonds$928M –DED - Trust $459M –Tax Credits $260M –Owner$140M

16. Building Communities from the Ground Up

17. USDA Rural Development is an Equal Opportunity lender, Provider and Employer. Complaints of discrimination should be sent to USDA, Director, OCR, Washington, DC 20250-9410 Thank-you!