Small Business Real Estate Financing Bank of America is the nation's #1 SBA Lender1 and a leading provider of commercial real estate financing2 to small-to-medium sized businesses. Conventional Financing • Very competitive fixed and variable rates - some of the lowest rates in years! • Flexible terms - customized options based on your needs • Low monthly payments - up to 25-year amortization, with 5- and 10-year terms • Low down payments - up to 85% financing • Large loan amounts - up to $7 million • Rapid credit decisions - within as few as 3-5 days; funding in 3-5 weeks • One-time, fixed rate conversion option - available for variable rate loans • Multiple funding uses - purchase, refi with cash out for business purpose, renovation, new construction • Simplified application and appraisal - use tax assessed value of the property, whenever possible, instead of a formal appraisal - resulting in quicker turnaround and lower cost • Experienced business bankers - to give you personal service and customized lending solutions SBA 504 Financing • Up to 90% LTV • Repayment up to 25 years and fully amortizing options • Below-market, fixed rates • Financing for many closing costs • Larger loan amounts - up to $10 million For more information, please call: Sean Ali Phone.714-734-2024/949-375-3439 Sean.a.wani@bankofamerica.com Melanie Smith 949-285-6147 Melanie.d.smith@bankofamerica.com Property must be 51% owner-occupied. 1Based on number of SBA loans reported on SBA 7(a) loan approval volume for FY 2002 and 2003. 2All financing is subject to credit approval. Other restrictions may apply. SBA loan qualification requires owners to be U.S. citizens or permanent residents. Bank of America, N.A. Member FDIC © 2004 Bank of America Corporation. Equal Housing Lender.