**Financing Programs**

**for**

**Community and Economic Development**

**Available in New York State**

Fiscal Year 2007

New York Office: The Galleries of Syracuse, 441 South Salina Street,
Suite 357, Syracuse, New York 13202

Phone: (315) 477-6400 Fax: (315) 477-6438 TDD: (315) 477-6447
www.rurdev.usda.gov/ny

The U.S. Department of Agriculture (USDA) prohibits discrimination in
all its programs and activities on the basis of race, color, national
origin, age, disability, and where applicable, sex, marital status,
familial status, parental status, religion, sexual orientation, genetic
information, political beliefs, reprisal, or because all or part of an
individual's income is derived from any public assistance program. (Not
all prohibited bases apply to all programs). Persons with disabilities
who require alternative means for communication of program information
(braille, large print, audio tape, etc.) should contact the USDA's
TARGET Center at (202) 720-2600 (voice and TTD). To file a complaint of
discrimination, write to USDA, Director, Office of Civil Rights, 1400
Independence Avenue, S.W., Washington, D.C. 20250-9410, or call (800)
795-3272 (voice), or (202) 720-6382 (TDD). "USDA is an equal opportunity
provider, employer, and lender."

**Rural Housing Program (RHP)**

+-------+--------+-----------+----------+-------+----+---------------+
| *     | *      | **Ap      | **Uses** | **Po  | *  | **Terms       |
| *Prog | *Objec | plicant** |          | pulat | *L | /Conditions** |
| ram** | tive** |           |          | ion** | oa |               |
|       |        |           |          |       | n/ |               |
|       |        |           |          |       | ** |               |
|       |        |           |          |       |    |               |
|       |        |           |          |       | *  |               |
|       |        |           |          |       | *G |               |
|       |        |           |          |       | ra |               |
|       |        |           |          |       | nt |               |
|       |        |           |          |       | ** |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Comm  | P      | Public    | Fire and | Rural | Di | Up to 100% of |
| unity | rovide | bodies    | rescue,  | areas | re | market value  |
| Facil | ess    | and       | public   | and   | ct |               |
| ities | ential | n         | safety,  | p     | l  | Up to 40      |
| Pro   | com    | on-profit | public   | opula | oa | years or life |
| grams | munity | corp      | bu       | tions | n, | of security   |
|       | faci   | orations. | ildings, | of    |    |               |
|       | lities | Direct    | schools, | 2     | lo | Interest      |
|       | for    | and       | li       | 0,000 | an | rates are set |
|       | rural  | grant:    | braries, | or    | gu | quarterly     |
|       | commu  | apply to  | museums, | less  | ar | based on an   |
|       | nities | local RD  | day      |       | an | index of      |
|       |        | office.   | care,    |       | te | current       |
|       |        | Gu        | health   |       | e, | market yields |
|       |        | aranteed: | s        |       |    | for municipal |
|       |        | apply to  | ervices. |       | gr | obligations,  |
|       |        | c         | Not for  |       | an | except        |
|       |        | ommercial | re       |       | t, | guaranteed.   |
|       |        | lender.   | creation |       | or | Guarantee d   |
|       |        |           | ac       |       | c  | rates set by  |
|       |        |           | tivities |       | om | commercial    |
|       |        |           | (except  |       | bi | lender. 1%    |
|       |        |           | gua      |       | na | guaranteed    |
|       |        |           | ranteed) |       | ti | fee.          |
|       |        |           |          |       | on |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Farm  | Safe,  | Ind       | New      | Rural | Di | Up to 100% of |
| Labor | well   | ividuals, | cons     | areas | re | market value  |
| Ho    | -built | profit    | truction | and   | ct |               |
| using | affo   | and       | or       | p     | lo | Up to 33      |
|       | rdable | n         | sub      | opula | an | years @ 1%    |
|       | rental | on-profit | stantial | tions | a  | interest      |
|       | h      | orga      | rehabi   | of    | nd |               |
|       | ousing | nizations | litation | 2     | g  |               |
|       | for    | apply to  | of       | 0,000 | ra |               |
|       | farm   | RD        | rental   | or    | nt |               |
|       | w      |           | housing  | less  |    |               |
|       | orkers |           |          |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Ho    | Repair | Public    | Operate  | Rural | G  | Grant         |
| using | and    | bodies    | a        | areas | ra | Agreement     |
| Pr    | rehabi | and       | program  | and   | nt | Conditions    |
| eserv | litate | n         | which    | p     |    |               |
| ation | h      | on-profit | finances | opula |    |               |
| G     | ousing | cor       | the      | tions |    |               |
| rants | owned  | porations | repair   | of    |    |               |
|       | or     | apply to  | and      | 1     |    |               |
|       | oc     | RD        | rehabi   | 0,000 |    |               |
|       | cupied |           | litation | or    |    |               |
|       | by low |           | ac       | less  |    |               |
|       | income |           | tivities |       |    |               |
|       | rural  |           |          |       |    |               |
|       | res    |           |          |       |    |               |
|       | idents |           |          |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| R     | Safe,  | Ind       | New      | Rural | Di | Up to 100% of |
| ental | well   | ividuals, | cons     | areas | re | market value  |
| Ho    | -built | profit    | truction | and   | ct | (non-profits) |
| using | affo   | and       | or       | p     | lo | ; 97%         |
| for   | rdable | n         | sub      | opula | an | (for-profits) |
| Fam   | rental | on-profit | stantial | tions | or |               |
| ilies | h      | organ     | rehabi   | of    |    | Up to 30      |
| and   | ousing | izations. | litation | 1     | lo | years with    |
| El    | for    | For       | of       | 0,000 | an | 50- year      |
| derly | rural  | gu        | rental   | or    | g  | amortization. |
|       | Ame    | arantees, | housing  | less  | ua |               |
| D     | ricans | apply to  |          |       | ra |               |
| irect |        | inte      |          |       | nt |               |
| Loans |        | rmediary; |          |       | ee |               |
| and   |        | for       |          |       |    |               |
| Loan  |        | direct,   |          |       |    |               |
| Guara |        | apply to  |          |       |    |               |
| ntees |        | RD State  |          |       |    |               |
|       |        | Office    |          |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Self  | Single | Loan      | Loan     | Rural | Di | Loan: Same as |
| -Help | family | app       | made to  | areas | re | Single Family |
| Ho    | homes  | lications | ind      | and   | ct | Home          |
| using | built  | are       | ividuals |       | lo | Ownership     |
|       | by a   | packaged  | and/or   | p     | an | guidelines    |
| Loans | group  | and       | families | opula |    | below;        |
| and   | of     | developed | for      | tions | Di | however,      |
| G     | p      | by the    | site,    | of    | re | substantial   |
| rants | rogram | grantee   | material |       | ct | portion of    |
|       | el     | org       | and      | 1     | g  | labor         |
|       | igible | anization | skilled  | 0,000 | ra | involved with |
|       | appl   | --        | labor    | or    | nt | constructing  |
|       | icants | referred  |          | less  |    | home provided |
|       | using  | to RD for | Grants   |       |    | by applicant. |
|       | RD     | final     | provided |       |    |               |
|       | fina   | und       | to       |       |    | Grant:        |
|       | ncing. | erwriting | no       |       |    | Organization  |
|       | P      | and       | n-profit |       |    | must have     |
|       | roject | approval. | organ    |       |    | technical and |
|       | devel  |           | izations |       |    | supervisory   |
|       | opment | Grant     | to       |       |    | experience to |
|       | and    | ap        | develop  |       |    | carry out     |
|       | constr | plication | s        |       |    | objectives of |
|       | uction | in        | elf-help |       |    | self help     |
|       | gu     | formation | project, |       |    | project       |
|       | idance | provided  | provide  |       |    |               |
|       | pr     | by local  | t        |       |    |               |
|       | ovided | RD office | echnical |       |    |               |
|       | by a   |           | ass      |       |    |               |
|       | p      |           | istance, |       |    |               |
|       | artici |           | co       |       |    |               |
|       | pating |           | unseling |       |    |               |
|       | non-   |           | and      |       |    |               |
|       | profit |           | cons     |       |    |               |
|       | g      |           | truction |       |    |               |
|       | rantee |           | supe     |       |    |               |
|       |        |           | rvision. |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| S     | Assist | Families  | Loans    | Rural | Lo | 30 year,      |
| ingle | el     | and       | may be   | areas | an | fixed rate.   |
| F     | igible | in        | made to  | and   | g  | Interest      |
| amily | appl   | dividuals | c        | p     | ua | negotiated    |
| Home  | icants |           | onstruct | opula | ra | between       |
|       | to     | apply to  | new or   | tions | nt | lender and    |
| Owne  | pu     | approved  | purchase | of    | ee | borrower.     |
| rship | rchase | lenders.  | existing | 1     |    | Loans to 100  |
| Loan  | homes  |           | homes in | 0,000 |    | percent of    |
| Guara | in     |           | rural    | or    |    | market value. |
| ntees | rural  |           | areas.   | less  |    | Guaranteed    |
|       | areas  |           |          |       |    | fee of 2% can |
|       | by     |           |          |       |    | be financed,  |
|       | i      |           |          |       |    | based on 100% |
|       | ssuing |           |          |       |    | LTV. No PMI,  |
|       | loan   |           |          |       |    | no limit on   |
|       | note   |           |          |       |    | seller        |
|       | guar   |           |          |       |    | concessions   |
|       | antees |           |          |       |    | or property   |
|       | to     |           |          |       |    | value         |
|       | p      |           |          |       |    |               |
|       | rivate |           |          |       |    |               |
|       | l      |           |          |       |    |               |
|       | enders |           |          |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| S     | F      | Families  | Buy,     | Rural | Di | Finance up to |
| ingle | inance | and       | build,   | areas | re | 100% of       |
| F     | safe,  | in        | improve, | and   | ct | market value. |
| amily | well-  | dividuals | repair   | p     | lo | Loans         |
| Home  | built, |           | or       | opula | an | typically     |
| Owne  | affo   | apply to  | reha     | tions |    | amortized     |
| rship | rdable | local RD  | bilitate | of    |    | over 33       |
| Loans | homes  | office    | rural    | 1     |    | years.        |
|       | for    |           | homes as | 0,000 |    | Applicant may |
|       | rural  |           | the      | or    |    | be eligible   |
|       | Ame    |           | app      | less  |    | for payment   |
|       | ricans |           | licant's |       |    | assistance    |
|       |        |           | p        |       |    | (subsidy) to  |
|       |        |           | ermanent |       |    | reduce        |
|       |        |           | r        |       |    | monthly       |
|       |        |           | esidence |       |    | payment       |
+-------+--------+-----------+----------+-------+----+---------------+
| S     | To     | Families  | Repairs  | Rural | Di | Maximum loan  |
| ingle | assist | and       | to       | areas | re | term 20 years |
| F     | ve     | in        | improve  | and   | ct | @ 1% fixed    |
| amily | ry-low | dividuals | or       | p     | lo | interest      |
| Home  | income |           | m        | opula | an | rate.         |
| R     | home   | who       | odernize | tions |    | Outstanding   |
| epair | owners | currently | a home,  | of    | Di | balance on    |
| Loans | repair | own their | remove   | 1     | re | loan(s) not   |
| and   | their  | home      | health   | 0,000 | ct | to exceed     |
| G     | homes  | apply to  | or       | or    | g  | \$20,000.     |
| rants |        | local RD  | safety   | less  | ra | Grants        |
|       |        | office    | hazards  |       | nt | available to  |
|       |        |           | or to    |       |    | applicants    |
|       |        |           | make     |       |    | age 62 years  |
|       |        |           | property |       |    | or older to   |
|       |        |           | ac       |       |    | remove health |
|       |        |           | cessible |       |    | or safety     |
|       |        |           | for      |       |    | hazards or    |
|       |        |           | h        |       |    | make property |
|       |        |           | ousehold |       |    | accessible to |
|       |        |           | members  |       |    | household     |
|       |        |           | with     |       |    | members with  |
|       |        |           | disa     |       |    | disabilities. |
|       |        |           | bilities |       |    | Lifetime      |
|       |        |           |          |       |    | grant         |
|       |        |           |          |       |    | assistance    |
|       |        |           |          |       |    | \$7,500       |
+-------+--------+-----------+----------+-------+----+---------------+

+-------+--------+-----------+----------+-------+----+---------------+
| **    |        |           |          |       |    |               |
| Rural |        |           |          |       |    |               |
| Bus   |        |           |          |       |    |               |
| iness |        |           |          |       |    |               |
| Pr    |        |           |          |       |    |               |
| ogram |        |           |          |       |    |               |
| (R    |        |           |          |       |    |               |
| BP)** |        |           |          |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| *     | *      | **Ap      | **Uses** | **Po  | *  | **Terms       |
| *Prog | *Objec | plicant** |          | pulat | *L | /Conditions** |
| ram** | tive** |           |          | ion** | oa |               |
|       |        |           |          |       | n/ |               |
|       |        |           |          |       | ** |               |
|       |        |           |          |       |    |               |
|       |        |           |          |       | *  |               |
|       |        |           |          |       | *G |               |
|       |        |           |          |       | ra |               |
|       |        |           |          |       | nt |               |
|       |        |           |          |       | ** |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Bus   | Create | Business  | Most     | All   | Lo | Lender and    |
| iness | jobs   | applies   | legal    | areas | an | borrower      |
| and   | and    | through   | business | e     | g  | negotiate     |
| Ind   | sti    | Federal   | purposes | xcept | ua | terms within  |
| ustry | mulate | or State  | except   | c     | ra | maximum terms |
| Loan  | rural  | Chartered | farms,   | ities | nt | allowed by    |
| Guara | eco    | banks,    | golf     | of    | ee | USDA.         |
| ntees | nomies | credit    | courses, | more  |    | Interest      |
| (B&I) | by     | unions,   | gambling | than  |    | rates set by  |
|       | pro    | savings & | and      | 5     |    | lenders, may  |
|       | viding | loan      | certain  | 0,000 |    | be fixed or   |
|       | fin    | ass       | other    | and   |    | variable.     |
|       | ancial | ociations | bus      | their |    | Applications  |
|       | b      | or other  | inesses. | i     |    | must be filed |
|       | acking | approved  | Acqu     | mmedi |    | through an    |
|       | for    | lenders.  | isition, | ately |    | eligible      |
|       | rural  |           | start-up | adj   |    | lender.       |
|       | busi   |           | and      | acent |    | Pr            |
|       | nesses |           | e        | urban |    | eapplications |
|       |        |           | xpansion | ar    |    | are           |
|       |        |           | of       | eas.* |    | recommended.  |
|       |        |           | bu       | *\*** |    |               |
|       |        |           | sinesses |       |    |               |
|       |        |           | that     |       |    |               |
|       |        |           | create   |       |    |               |
|       |        |           | rural    |       |    |               |
|       |        |           | emp      |       |    |               |
|       |        |           | loyment. |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| In    | F      | Public    | C        | Rural | Di | USDA loan to  |
| terme | inance | bodies,   | ommunity | areas | re | intermediary  |
| diary | bu     | nonprofit | dev      | and   | ct | at 1%         |
| Rele  | siness | corp      | elopment | p     | lo | interest for  |
| nding | faci   | orations, | p        | laces | an | 30 years. The |
| Pr    | lities | coop      | rojects, | with  |    | intermediary  |
| ogram | and    | eratives, | estab    | p     |    | makes loans   |
| Loans | com    | Federally | lishment | opula |    | to businesses |
| (IRP) | munity | r         | or       | tions |    | from its      |
|       | devel  | ecognized | e        | of    |    | revolving     |
|       | opment | Indian    | xpansion | less  |    | loan fund on  |
|       | pr     | tribal    | of       | than  |    | terms         |
|       | ojects | groups,   | bus      | 2     |    | consistent    |
|       | in     | apply to  | inesses, | 5,000 |    | with security |
|       | rural  | area RD   | creation |       |    | offered       |
|       | areas  | office.   | or       |       |    |               |
|       |        |           | saving   |       |    |               |
|       |        |           | rural    |       |    |               |
|       |        |           | jobs     |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Rene  | F      | Agr       | Purchase | All   | G  | Grants of     |
| wable | unding | icultural | eq       | areas | ra | \$2,500 -     |
| E     | assi   | p         | uipment, | e     | nt | \$500,000 for |
| nergy | stance | roducers, | cons     | xcept | s, | up to 25% of  |
| --    | to     | rural     | truction | c     | lo | total cost of |
| E     | pu     | small     | and/or   | ities | an | renewable     |
| nergy | rchase | b         | inst     | of    | gu | energy        |
| Effic | ren    | usinesses | allation | more  | ar | system;       |
| iency | ewable | (sole     | of       | than  | an | grants of     |
| G     | energy | proprie   | r        | 5     | te | \$1,500 to    |
| rants | s      | torships, | enewable | 0,000 | es | \$250,000 for |
| (     | ystems | part      | systems  | and   | a  | up to 25% of  |
| REEG) | and/or | nerships, | or       | their | nd | total cost of |
| and   | make   | corp      | energy   | i     | c  | energy        |
| Loan  | energy | orations, | ef       | mmedi | om | efficiency    |
| Guara | effi   | coope     | ficiency | ately | bi | improvements. |
| ntees | ciency | ratives), | impro    | adj   | na | Loan          |
|       | improv | certain   | vements, | acent | ti | guarantees    |
|       | ements | electric  | energy   | urban | on | for \$5,000   |
|       |        | utilities | audits,  | ar    | gr | to \$10       |
|       |        | for       | prof     | eas.* | an | million, up   |
|       |        | grants;   | essional | *\*** | t/ | to 50% of     |
|       |        | approved  | service  |       | lo | total         |
|       |        | lenders   | fees,    |       | an | eligible      |
|       |        | working   | permit   |       | gu | project       |
|       |        | with the  | fees,    |       | ar | costs. Grant  |
|       |        | same      | retro    |       | an | projects must |
|       |        | entities  | fitting. |       | te | demonstrate   |
|       |        | for loan  | Not for  |       | es | financial     |
|       |        | g         | research |       |    | need.         |
|       |        | uarantees | and      |       |    |               |
|       |        |           | deve     |       |    |               |
|       |        |           | lopment. |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Rural | F      | Public    | Buy and  | All   | G  | When grant    |
| Bus   | inance | bodies;   | develop  | areas | ra | funds are     |
| iness | and    | nonprofit | land,    | e     | nt | used for      |
| Enter | faci   | cor       | c        | xcept |    | revolving     |
| prise | litate | porations | onstruct | c     |    | loan fund     |
| G     | the    | apply to  | bu       | ities |    | (RLF) the     |
| rants | devel  | RD office | ildings, | of    |    | intermediary  |
|       | opment | in their  | plants,  | more  |    | makes loans   |
| (     | of     | area.     | roads,   | than  |    | to businesses |
| RBEG) | small  | Public    | utility  | 5     |    | from its RLF  |
|       | and    | bodies    | and      | 0,000 |    | on terms      |
|       | em     | include   | service  | and   |    | consistent    |
|       | erging | Federally | ext      | their |    | with security |
|       | p      | r         | ensions, | i     |    | offered       |
|       | rivate | ecognized | purchase | mmedi |    |               |
|       | bu     | Indian    | and own  | ately |    |               |
|       | siness | tribal    | eq       | adj   |    |               |
|       | enter  | groups    | uipment. | acent |    |               |
|       | prises |           | Provide  | urban |    |               |
|       |        |           | t        | ar    |    |               |
|       |        |           | echnical | eas.* |    |               |
|       |        |           | as       | *\*** |    |               |
|       |        |           | sistance |       |    |               |
|       |        |           | to small |       |    |               |
|       |        |           | bus      |       |    |               |
|       |        |           | inesses. |       |    |               |
|       |        |           | Operate  |       |    |               |
|       |        |           | r        |       |    |               |
|       |        |           | evolving |       |    |               |
|       |        |           | loan     |       |    |               |
|       |        |           | funds    |       |    |               |
|       |        |           | for      |       |    |               |
|       |        |           | small    |       |    |               |
|       |        |           | bu       |       |    |               |
|       |        |           | sinesses |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Rural | P      | Public    | Identify | All   | G  | Up to 100% of |
| Bus   | romote | bodies,   | &        | areas | ra | eligible      |
| iness | susta  | nonprofit | analyze  | e     | nt | project costs |
| O     | inable | corp      | business | xcept |    | for projects  |
| pport | ec     | orations, | opport   | c     |    | of 2 years    |
| unity | onomic | Federally | unities, | ities |    | duration or   |
| G     | ac     | r         | provide  | of    |    | less. Grantee |
| rants | tivity | ecognized | t        | more  |    | establishes   |
|       | in     | Indian    | echnical | than  |    | an evaluation |
| (     | rural  | tribal    | ass      | 5     |    | method in the |
| RBOG) | commu  | groups    | istance, | 0,000 |    | application.  |
|       | nities | and       | e        | and   |    | The Agency    |
|       |        | coo       | stablish | their |    | will assess   |
|       |        | peratives | business | i     |    | the           |
|       |        |           | support  | mmedi |    | instructional |
|       |        |           | centers, | ately |    | value to be   |
|       |        |           | conduct  | adj   |    | shared with   |
|       |        |           | economic | acent |    | other         |
|       |        |           | dev      | urban |    | communities.  |
|       |        |           | elopment | ar    |    |               |
|       |        |           | planning | eas.* |    |               |
|       |        |           | &        | *\*** |    |               |
|       |        |           | le       |       |    |               |
|       |        |           | adership |       |    |               |
|       |        |           | training |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| Rural | F      | Electric  | Business | Rural | Di | Intermediary  |
| Eco   | inance | Coo       | startup  | areas | re | electric      |
| nomic | ec     | peratives | or       | and   | ct | cooperative   |
| D     | onomic | & Rural   | e        | p     | lo | or rural      |
| evelo | devel  | Telephone | xpansion | laces | an | telephone     |
| pment | opment | Companies | projects | with  |    | company makes |
| Loans | and    | with RUS  | that     | p     |    | loans to      |
| and   | job    | or Rural  | create   | opula |    | profit or     |
| G     | cr     | Telephone | rural    | tions |    | non-profit    |
| rants | eation | Bank      | jobs     | of    |    | businesses    |
| (R    | in     | ou        |          | 2,500 |    | and public    |
| EDLG) | rural  | tstanding |          | or    |    | bodies for    |
|       | areas  | loans,    |          | less  |    | rural         |
|       |        | apply to  |          |       |    | economic      |
|       |        | local RD  |          |       |    | development   |
|       |        | office.   |          |       |    | and/or job    |
|       |        |           |          |       |    | creation      |
|       |        |           |          |       |    | projects.     |
+-------+--------+-----------+----------+-------+----+---------------+
| V     | Help   | I         | Planning | No    | G  | Grants of up  |
| alue- | el     | ndividual | grants   | re    | ra | to \$300,000. |
| added | igible | farmers,  | for      | stric | nt | Applicant     |
| Ag    | appl   | producer  | fea      | tions |    | must provide  |
| ricul | icants | owned     | sibility |       |    | 100% matching |
| tural | to     | cor       | studies, |       |    | funds, cash   |
| Pr    | d      | porations | m        |       |    | and/or        |
| oduct | evelop | and       | arketing |       |    | in-kind;      |
| M     | bu     | part      | plans,   |       |    | cannot be     |
| arket | siness | nerships, | business |       |    | used for real |
| D     | plans  | farmer    | plans,   |       |    | estate or     |
| evelo | for    | coop      | etc.     |       |    | equipment.    |
| pment | viable | eratives, |          |       |    | Working       |
| G     | mar    | agr       | Working  |       |    | capital       |
| rants | keting | icultural | capital  |       |    | grants only   |
| (     | o      | producer  | grants   |       |    | available if  |
| VAPG) | pportu | groups,   | to pay   |       |    | the applicant |
|       | nities | majority  | organi   |       |    | shows that    |
|       | and    | owned     | zational |       |    | both an       |
|       | d      | produ     | and      |       |    | independently |
|       | evelop | cer-based | start-up |       |    | prepared      |
|       | stra   | business  | costs,   |       |    | feasibility   |
|       | tegies | ventures  | legal    |       |    | study and a   |
|       | to     | and       | fees,    |       |    | business plan |
|       | create | steering  | and      |       |    | for the       |
|       | mar    | c         | o        |       |    | proposed      |
|       | keting | ommittees | perating |       |    | venture have  |
|       | o      | in the    | expenses |       |    | been          |
|       | pportu | process   | of the   |       |    | completed.    |
|       | nities | of        | business |       |    |               |
|       |        | o         |          |       |    |               |
|       |        | rganizing |          |       |    |               |
|       |        | a         |          |       |    |               |
|       |        | va        |          |       |    |               |
|       |        | lue-added |          |       |    |               |
|       |        | venture   |          |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+
| *D    |        |           |          |       |    |               |
| irect |        |           |          |       |    |               |
| Loans |        |           |          |       |    |               |
| and   |        |           |          |       |    |               |
| Gra   |        |           |          |       |    |               |
| nts - |        |           |          |       |    |               |
| Apply |        |           |          |       |    |               |
| to    |        |           |          |       |    |               |
| Rural |        |           |          |       |    |               |
| De    |        |           |          |       |    |               |
| velop |        |           |          |       |    |               |
| ment* |        |           |          |       |    |               |
|       |        |           |          |       |    |               |
| *Loan |        |           |          |       |    |               |
| Gu    |        |           |          |       |    |               |
| arant |        |           |          |       |    |               |
| ees - |        |           |          |       |    |               |
| Apply |        |           |          |       |    |               |
| to    |        |           |          |       |    |               |
| In    |        |           |          |       |    |               |
| terme |        |           |          |       |    |               |
| diary |        |           |          |       |    |               |
| (app  |        |           |          |       |    |               |
| roved |        |           |          |       |    |               |
| b     |        |           |          |       |    |               |
| anks, |        |           |          |       |    |               |
| c     |        |           |          |       |    |               |
| redit |        |           |          |       |    |               |
| un    |        |           |          |       |    |               |
| ions, |        |           |          |       |    |               |
| e     |        |           |          |       |    |               |
| tc.)* |        |           |          |       |    |               |
|       |        |           |          |       |    |               |
| **\   |        |           |          |       |    |               |
| *** - |        |           |          |       |    |               |
| All   |        |           |          |       |    |               |
| Pro   |        |           |          |       |    |               |
| grams |        |           |          |       |    |               |
| with  |        |           |          |       |    |               |
| a     |        |           |          |       |    |               |
| 5     |        |           |          |       |    |               |
| 0,000 |        |           |          |       |    |               |
| popul |        |           |          |       |    |               |
| ation |        |           |          |       |    |               |
| limit |        |           |          |       |    |               |
| can   |        |           |          |       |    |               |
| a     |        |           |          |       |    |               |
| ccess |        |           |          |       |    |               |
| <h    |        |           |          |       |    |               |
| ttp:/ |        |           |          |       |    |               |
| /www. |        |           |          |       |    |               |
| ers.u |        |           |          |       |    |               |
| sda.g |        |           |          |       |    |               |
| ov/da |        |           |          |       |    |               |
| ta/Lo |        |           |          |       |    |               |
| anLoo |        |           |          |       |    |               |
| kup/> |        |           |          |       |    |               |
| to    |        |           |          |       |    |               |
| check |        |           |          |       |    |               |
| loca  |        |           |          |       |    |               |
| tions |        |           |          |       |    |               |
| e     |        |           |          |       |    |               |
| ligib |        |           |          |       |    |               |
| ility |        |           |          |       |    |               |
| via   |        |           |          |       |    |               |
| zip   |        |           |          |       |    |               |
| code. |        |           |          |       |    |               |
+-------+--------+-----------+----------+-------+----+---------------+

+-------+--------+-----------+----------+-------+----+---+---------------+
| **    |        |           |          |       |    |   |               |
| Rural |        |           |          |       |    |   |               |
| Util  |        |           |          |       |    |   |               |
| ities |        |           |          |       |    |   |               |
| Pr    |        |           |          |       |    |   |               |
| ogram |        |           |          |       |    |   |               |
| (R    |        |           |          |       |    |   |               |
| UP)** |        |           |          |       |    |   |               |
+-------+--------+-----------+----------+-------+----+---+---------------+
| *     | *      | **Ap      | **Uses** | **Po  | *  |   | **Terms       |
| *Prog | *Objec | plicant** |          | pulat | *L |   | /Conditions** |
| ram** | tive** |           |          | ion** | oa |   |               |
|       |        |           |          |       | n/ |   |               |
|       |        |           |          |       | ** |   |               |
|       |        |           |          |       |    |   |               |
|       |        |           |          |       | *  |   |               |
|       |        |           |          |       | *G |   |               |
|       |        |           |          |       | ra |   |               |
|       |        |           |          |       | nt |   |               |
|       |        |           |          |       | ** |   |               |
+-------+--------+-----------+----------+-------+----+---+---------------+
| Dis   | Devel  | Inc       | E        | Rural | Di | M |               |
| tance | opment | orporated | quipment | a     | re | a |               |
| Lea   | and    | entities, | for      | reas. | ct | t |               |
| rning | depl   | including | cla      | P     | lo | c |               |
| and   | oyment | municipal | ssrooms: | oints | an | h |               |
| Te    | of     | corp      | cameras, | aw    | an | i |               |
| lemed | ad     | orations, | video    | arded | d/ | n |               |
| icine | vanced | f         | monitors | on    | or | g |               |
|       | telec  | or-profit | c        | sl    | g  | f |               |
|       | ommuni | and       | omputers | iding | ra | u |               |
|       | cation | not-f     | and LAN; | scale | nt | n |               |
|       | se     | or-profit | and for  | based |    | d |               |
|       | rvices | groups,   | p        | on    |    | s |               |
|       | thro   | which     | hysician | d     |    | a |               |
|       | ughout | operate   | consu    | egree |    | r |               |
|       | rural  | or will   | ltation, | of    |    | e |               |
|       | A      | operate   | ra       | rura  |    | r |               |
|       | merica | an        | diology, | lity, |    | e |               |
|       |        | ed        | x-ray    | as    |    | q |               |
|       |        | ucational | scanners | mea   |    | u |               |
|       |        | ins       | and      | sured |    | i |               |
|       |        | titution, | digital  | by    |    | r |               |
|       |        | including | mic      | 2000  |    | e |               |
|       |        | a         | roscopes | US    |    | d |               |
|       |        | regional  |          | C     |    |   |               |
|       |        | ed        |          | ensus |    |   |               |
|       |        | ucational |          | data. |    |   |               |
|       |        | la        |          | Mul   |    |   |               |
|       |        | boratory, |          | tiple |    |   |               |
|       |        | library,  |          | areas |    |   |               |
|       |        | hospital, |          | w     |    |   |               |
|       |        | medical   |          | ithin |    |   |               |
|       |        | center,   |          | pro   |    |   |               |
|       |        | medical   |          | posed |    |   |               |
|       |        | clinic or |          | se    |    |   |               |
|       |        | any rural |          | rvice |    |   |               |
|       |        | community |          | area  |    |   |               |
|       |        | facility. |          | will  |    |   |               |
|       |        | Rural     |          | be    |    |   |               |
|       |        | schools,  |          | s     |    |   |               |
|       |        | l         |          | cored |    |   |               |
|       |        | ibraries, |          | and   |    |   |               |
|       |        | health    |          | ave   |    |   |               |
|       |        | care      |          | raged |    |   |               |
|       |        | clinics   |          | to    |    |   |               |
|       |        | and other |          | reach |    |   |               |
|       |        | orga      |          | final |    |   |               |
|       |        | nizations |          | s     |    |   |               |
|       |        | that      |          | core. |    |   |               |
|       |        | operate   |          |       |    |   |               |
|       |        | ed        |          |       |    |   |               |
|       |        | ucational |          |       |    |   |               |
|       |        | or health |          |       |    |   |               |
|       |        | care      |          |       |    |   |               |
|       |        | fa        |          |       |    |   |               |
|       |        | cilities. |          |       |    |   |               |
|       |        |           |          |       |    |   |               |
|       |        | Ap        |          |       |    |   |               |
|       |        | plication |          |       |    |   |               |
|       |        | submitted |          |       |    |   |               |
|       |        | to the RD |          |       |    |   |               |
|       |        | National  |          |       |    |   |               |
|       |        | Office,   |          |       |    |   |               |
|       |        | Wa        |          |       |    |   |               |
|       |        | shington, |          |       |    |   |               |
|       |        | DC        |          |       |    |   |               |
|       |        | through   |          |       |    |   |               |
|       |        | NY RD     |          |       |    |   |               |
|       |        | State RUS |          |       |    |   |               |
|       |        | Office    |          |       |    |   |               |
+-------+--------+-----------+----------+-------+----+---+---------------+
| Ele   | P      | N         | Gen      | Rural | Di | I |               |
| ctric | rovide | on-profit | eration, | areas | re | n |               |
| and   | fin    | and       | bulk     |       | ct | t |               |
| Te    | ancial | co        | tran     |       | lo | e |               |
| lecom | aid    | operative | smission |       | an | r |               |
| munic | t      | asso      | fa       |       | or | e |               |
| ation | hrough | ciations, | cilities |       | lo | s |               |
|       | direct | public    | and      |       | an | t |               |
|       | and    | bodies    | dist     |       | g  | r |               |
|       | guar   | and other | ribution |       | ua | a |               |
|       | anteed | u         | of       |       | ra | t |               |
|       | loans  | tilities. | electric |       | nt | e |               |
|       |        | Contact   | power.   |       | ee | s |               |
|       |        | USDA-RUS  | Enhance  |       |    | a |               |
|       |        | -Electric | 911      |       |    | r |               |
|       |        | Staff     | e        |       |    | e |               |
|       |        | Div.,     | mergency |       |    | e |               |
|       |        | Stop      | service, |       |    | s |               |
|       |        | 1569,     | digital  |       |    | t |               |
|       |        | 1400      | s        |       |    | a |               |
|       |        | Ind       | witching |       |    | b |               |
|       |        | ependence | eq       |       |    | l |               |
|       |        | Ave. SW,  | uipment, |       |    | i |               |
|       |        | Wa        | fiber    |       |    | s |               |
|       |        | shington, | optic    |       |    | h |               |
|       |        | DC        | cable    |       |    | e |               |
|       |        | 2         |          |       |    | d |               |
|       |        | 0250-1569 |          |       |    | i |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | c |               |
|       |        |           |          |       |    | c |               |
|       |        |           |          |       |    | o |               |
|       |        |           |          |       |    | r |               |
|       |        |           |          |       |    | d |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | c |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | w |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | h |               |
|       |        |           |          |       |    | 7 |               |
|       |        |           |          |       |    | C |               |
|       |        |           |          |       |    | F |               |
|       |        |           |          |       |    | R |               |
|       |        |           |          |       |    | 1 |               |
|       |        |           |          |       |    | 7 |               |
|       |        |           |          |       |    | 1 |               |
|       |        |           |          |       |    | 4 |               |
|       |        |           |          |       |    | 5 |               |
+-------+--------+-----------+----------+-------+----+---+---------------+
| Solid | P      | N         | Provide  | Rural | G  | P |               |
| Waste | rovide | on-profit | t        | areas | ra | r |               |
| Manag | tec    | orga      | echnical | and   | nt | o |               |
| ement | hnical | nizations | as       | p     |    | j |               |
| G     | assi   | and       | sistance | laces |    | e |               |
| rants | stance | public    | and      | with  |    | c |               |
|       | and/or | bodies.   | training | up to |    | t |               |
|       | tr     | Contact   | to       | 1     |    | s |               |
|       | aining | RD State  | reduce   | 0,000 |    | f |               |
|       | to     | Office in | p        | popul |    | u |               |
|       | help   | Syracuse. | ollution | ation |    | n |               |
|       | commu  |           | of water |       |    | d |               |
|       | nities |           | r        |       |    | e |               |
|       | reduce |           | esources |       |    | d |               |
|       | the    |           | and      |       |    | b |               |
|       | solid  |           | improve  |       |    | a |               |
|       | waste  |           | ma       |       |    | s |               |
|       | stream |           | nagement |       |    | e |               |
|       |        |           | of solid |       |    | d |               |
|       |        |           | waste    |       |    | o |               |
|       |        |           | fac      |       |    | n |               |
|       |        |           | ilities, |       |    | s |               |
|       |        |           | r        |       |    | e |               |
|       |        |           | eduction |       |    | l |               |
|       |        |           | of solid |       |    | e |               |
|       |        |           | waste    |       |    | c |               |
|       |        |           | streams  |       |    | t |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | o |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | N |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | o |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | l |               |
|       |        |           |          |       |    | L |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | v |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | l |               |
+-------+--------+-----------+----------+-------+----+---+---------------+
| Water | Pro    | Public    | Build,   | Rural | Di | I |               |
| and   | viding | entities  | repair,  | areas | re | n |               |
| Waste | in     | and       | and      | and   | ct | t |               |
| Dis   | frastr | n         | other    | p     | lo | e |               |
| posal | ucture | on-profit | related  | laces | an | r |               |
| Loans | for    | cor       | costs to | with  | a  | e |               |
| and   | rural  | porations | improve  | up to | nd | s |               |
| G     | areas  | apply to  | public   | 1     | g  | t |               |
| rants |        | local RD  | water    | 0,000 | ra | r |               |
|       |        | office    | systems  | popul | nt | a |               |
|       |        |           | and      | ation |    | t |               |
|       |        |           | waste    |       |    | e |               |
|       |        |           | co       |       |    | s |               |
|       |        |           | llection |       |    | a |               |
|       |        |           | and      |       |    | r |               |
|       |        |           | t        |       |    | e |               |
|       |        |           | reatment |       |    | s |               |
|       |        |           | systems  |       |    | e |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | q |               |
|       |        |           |          |       |    | u |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | r |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | r |               |
|       |        |           |          |       |    | l |               |
|       |        |           |          |       |    | y |               |
|       |        |           |          |       |    | b |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | s |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | d |               |
|       |        |           |          |       |    | o |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | d |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | x |               |
|       |        |           |          |       |    | o |               |
|       |        |           |          |       |    | f |               |
|       |        |           |          |       |    | c |               |
|       |        |           |          |       |    | u |               |
|       |        |           |          |       |    | r |               |
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|       |        |           |          |       |    | n |               |
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|       |        |           |          |       |    | m |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | r |               |
|       |        |           |          |       |    | k |               |
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|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | p |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | l |               |
|       |        |           |          |       |    | o |               |
|       |        |           |          |       |    | b |               |
|       |        |           |          |       |    | l |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | g |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | o |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | s |               |
|       |        |           |          |       |    | . |               |
|       |        |           |          |       |    | R |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | p |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | y |               |
|       |        |           |          |       |    | m |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | m |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | x |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | m |               |
|       |        |           |          |       |    | u |               |
|       |        |           |          |       |    | m |               |
|       |        |           |          |       |    | : |               |
|       |        |           |          |       |    | 4 |               |
|       |        |           |          |       |    | 0 |               |
|       |        |           |          |       |    | y |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | r |               |
|       |        |           |          |       |    | s |               |
|       |        |           |          |       |    | . |               |
|       |        |           |          |       |    | G |               |
|       |        |           |          |       |    | r |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | t |               |
|       |        |           |          |       |    | f |               |
|       |        |           |          |       |    | u |               |
|       |        |           |          |       |    | n |               |
|       |        |           |          |       |    | d |               |
|       |        |           |          |       |    | s |               |
|       |        |           |          |       |    | m |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | y |               |
|       |        |           |          |       |    | b |               |
|       |        |           |          |       |    | e |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | v |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | i |               |
|       |        |           |          |       |    | l |               |
|       |        |           |          |       |    | a |               |
|       |        |           |          |       |    | b |               |
|       |        |           |          |       |    | l |               |
|       |        |           |          |       |    | e |               |
+-------+--------+-----------+----------+-------+----+---+---------------+
| Water | Pro    | Eligible  | Co       | Rural | Lo | N |               |
| and   | viding | lenders   | nstruct, | areas | an | o |               |
| Waste | in     | obtain    | repair,  | and   | g  | t |               |
| Dis   | frastr | guarantee | modify,  | p     | ua | e |               |
| posal | ucture | for loans | expand,  | laces | ra | l |               |
| Loan  | for    | made and  | and      | with  | nt | i |               |
| Guara | rural  | serviced  | other    | up to | ee | g |               |
| ntees | areas  | by them.  | related  | 1     |    | i |               |
|       |        | Lenders   | costs to | 0,000 |    | b |               |
|       |        | should    | improve  | popul |    | l |               |
|       |        | contact   | water    | ation |    | e |               |
|       |        |           | supply   |       |    | f |               |
|       |        | local RD  | and      |       |    | o |               |
|       |        | office.   | dist     |       |    | r |               |
|       |        |           | ribution |       |    | g |               |
|       |        |           | systems  |       |    | r |               |
|       |        |           | and      |       |    | a |               |
|       |        |           | waste    |       |    | n |               |
|       |        |           | co       |       |    | t |               |
|       |        |           | llection |       |    |   |               |
|       |        |           | and      |       |    |   |               |
|       |        |           | t        |       |    |   |               |
|       |        |           | reatment |       |    |   |               |
|       |        |           | systems  |       |    |   |               |
+-------+--------+-----------+----------+-------+----+---+---------------+

Summary of Program Purposes

+----+-------------------------------+-----+-----+-----+-----+-----+
|    |                               | **L | *   | **  | **I | *   |
|    |                               | AND | *MA | WOR | NFR | *TR |
|    |                               | &** | CH. | KIN | A** | AIN |
|    |                               |     | &** | G** |     | /** |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    |                               | **B | *   | **  | **  | **T |
|    |                               | UIL | *EQ | CAP | STR | ECH |
|    |                               | DIN | UIP | ITA | UCT | .** |
|    |                               | G** | .** | L** | .** |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    |                               |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | **RURAL HOUSING PROGRAM -     |     |     |     |     |     |
|    | SINGLE FAMILY**               |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Section 502 - Direct loan     | ![] |     |     |     |     |
|    |                               | (me |     |     |     |     |
|    |                               | dia |     |     |     |     |
|    |                               | /im |     |     |     |     |
|    |                               | age |     |     |     |     |
|    |                               | 2.e |     |     |     |     |
|    |                               | mf) |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Section 504 - Loan/grant      | ![] |     |     |     |     |
|    |                               | (me |     |     |     |     |
|    |                               | dia |     |     |     |     |
|    |                               | /im |     |     |     |     |
|    |                               | age |     |     |     |     |
|    |                               | 2.e |     |     |     |     |
|    |                               | mf) |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Section 523 Self Help         |     |     |     |     | ![] |
|    | Technical Assistance Grants   |     |     |     |     | (me |
|    |                               |     |     |     |     | dia |
|    |                               |     |     |     |     | /im |
|    |                               |     |     |     |     | age |
|    |                               |     |     |     |     | 2.e |
|    |                               |     |     |     |     | mf) |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Section 502 - Guaranteed loan | ![] |     |     |     |     |
|    |                               | (me |     |     |     |     |
|    |                               | dia |     |     |     |     |
|    |                               | /im |     |     |     |     |
|    |                               | age |     |     |     |     |
|    |                               | 2.e |     |     |     |     |
|    |                               | mf) |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    |                               |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | # RURAL HO                    |     |     |     |     |     |
|    | USING PROGRAM - MULTI- FAMILY |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Rural rental housing -        | ![] |     |     | ![] |     |
|    | Guaranteed loan               | (me |     |     | (me |     |
|    |                               | dia |     |     | dia |     |
|    |                               | /im |     |     | /im |     |
|    |                               | age |     |     | age |     |
|    |                               | 2.e |     |     | 2.e |     |
|    |                               | mf) |     |     | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Rural rental housing - Direct | ![] |     |     | ![] |     |
|    | loan                          | (me |     |     | (me |     |
|    |                               | dia |     |     | dia |     |
|    |                               | /im |     |     | /im |     |
|    |                               | age |     |     | age |     |
|    |                               | 2.e |     |     | 2.e |     |
|    |                               | mf) |     |     | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Farm labor housing -          | ![] |     |     | ![] |     |
|    | Loan/grant                    | (me |     |     | (me |     |
|    |                               | dia |     |     | dia |     |
|    |                               | /im |     |     | /im |     |
|    |                               | age |     |     | age |     |
|    |                               | 2.e |     |     | 2.e |     |
|    |                               | mf) |     |     | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Housing preservation -Grant   | ![] | ![] | ![] | ![] | ![] |
|    |                               | (me | (me | (me | (me | (me |
|    |                               | dia | dia | dia | dia | dia |
|    |                               | /im | /im | /im | /im | /im |
|    |                               | age | age | age | age | age |
|    |                               | 2.e | 2.e | 2.e | 2.e | 2.e |
|    |                               | mf) | mf) | mf) | mf) | mf) |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    |                               |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | **RURAL HOUSING PROGRAM --    |     |     |     |     |     |
|    | COMMUNITY FACILITIES**        |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Community facilities - Direct | ![] | ![] | ![] | ![] |     |
|    | loan/grant                    | (me | (me | (me | (me |     |
|    |                               | dia | dia | dia | dia |     |
|    |                               | /im | /im | /im | /im |     |
|    |                               | age | age | age | age |     |
|    |                               | 2.e | 2.e | 2.e | 2.e |     |
|    |                               | mf) | mf) | mf) | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Community facilities -        | ![] | ![] | ![] | ![] |     |
|    | Guaranteed loan               | (me | (me | (me | (me |     |
|    |                               | dia | dia | dia | dia |     |
|    |                               | /im | /im | /im | /im |     |
|    |                               | age | age | age | age |     |
|    |                               | 2.e | 2.e | 2.e | 2.e |     |
|    |                               | mf) | mf) | mf) | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    |                               |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | **RURAL BUSINESS-COOPERATIVE  |     |     |     |     |     |
|    | PROGRAM**                     |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Business & Industry -         | ![] | ![] | ![] | ![] |     |
|    | Guaranteed loan               | (me | (me | (me | (me |     |
|    |                               | dia | dia | dia | dia |     |
|    |                               | /im | /im | /im | /im |     |
|    |                               | age | age | age | age |     |
|    |                               | 2.e | 2.e | 2.e | 2.e |     |
|    |                               | mf) | mf) | mf) | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Rural Business Enterprise     | ![] | ![] | ![] | ![] | ![] |
|    | Grant                         | (me | (me | (me | (me | (me |
|    |                               | dia | dia | dia | dia | dia |
|    |                               | /im | /im | /im | /im | /im |
|    |                               | age | age | age | age | age |
|    |                               | 2.e | 2.e | 2.e | 2.e | 2.e |
|    |                               | mf) | mf) | mf) | mf) | mf) |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Rural Business Opportunity    | ![] | ![] | ![] | ![] | ![] |
|    | Grant                         | (me | (me | (me | (me | (me |
|    |                               | dia | dia | dia | dia | dia |
|    |                               | /im | /im | /im | /im | /im |
|    |                               | age | age | age | age | age |
|    |                               | 2.e | 2.e | 2.e | 2.e | 2.e |
|    |                               | mf) | mf) | mf) | mf) | mf) |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Intermediary Relending - Loan | ![] | ![] | ![] | ![] |     |
|    |                               | (me | (me | (me | (me |     |
|    |                               | dia | dia | dia | dia |     |
|    |                               | /im | /im | /im | /im |     |
|    |                               | age | age | age | age |     |
|    |                               | 2.e | 2.e | 2.e | 2.e |     |
|    |                               | mf) | mf) | mf) | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Value-Added Agricultural      |     |     | ![] |     | ![] |
|    | Product Market Development    |     |     | (me |     | (me |
|    | Grant                         |     |     | dia |     | dia |
|    |                               |     |     | /im |     | /im |
|    |                               |     |     | age |     | age |
|    |                               |     |     | 2.e |     | 2.e |
|    |                               |     |     | mf) |     | mf) |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Renewable Energy/Energy       | ![] | ![] |     | ![] |     |
|    | Efficiency Improvements       | (me | (me |     | (me |     |
|    | Grant/Loan                    | dia | dia |     | dia |     |
|    |                               | /im | /im |     | /im |     |
|    |                               | age | age |     | age |     |
|    |                               | 2.e | 2.e |     | 2.e |     |
|    |                               | mf) | mf) |     | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Rural Economic Development    | ![] | ![] | ![] | ![] | ![] |
|    | Loan and Grant                | (me | (me | (me | (me | (me |
|    |                               | dia | dia | dia | dia | dia |
|    |                               | /im | /im | /im | /im | /im |
|    |                               | age | age | age | age | age |
|    |                               | 2.e | 2.e | 2.e | 2.e | 2.e |
|    |                               | mf) | mf) | mf) | mf) | mf) |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    |                               |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | **RURAL UTILITIES PROGRAM**   |     |     |     |     |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Water and Wastewater -        | ![] | ![] | ![] | ![] |     |
|    | Loan/Grant                    | (me | (me | (me | (me |     |
|    |                               | dia | dia | dia | dia |     |
|    |                               | /im | /im | /im | /im |     |
|    |                               | age | age | age | age |     |
|    |                               | 2.e | 2.e | 2.e | 2.e |     |
|    |                               | mf) | mf) | mf) | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Water and Wastewater -        | ![] | ![] | ![] | ![] |     |
|    | Guaranteed loan               | (me | (me | (me | (me |     |
|    |                               | dia | dia | dia | dia |     |
|    |                               | /im | /im | /im | /im |     |
|    |                               | age | age | age | age |     |
|    |                               | 2.e | 2.e | 2.e | 2.e |     |
|    |                               | mf) | mf) | mf) | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Solid Waste Management Grant  |     |     |     |     | ![] |
|    |                               |     |     |     |     | (me |
|    |                               |     |     |     |     | dia |
|    |                               |     |     |     |     | /im |
|    |                               |     |     |     |     | age |
|    |                               |     |     |     |     | 2.e |
|    |                               |     |     |     |     | mf) |
+----+-------------------------------+-----+-----+-----+-----+-----+
|    | Distance                      |     | ![] |     | ![] |     |
|    | Learning/Telemedicine,        |     | (me |     | (me |     |
|    | Telecomm loan/grant           |     | dia |     | dia |     |
|    |                               |     | /im |     | /im |     |
|    |                               |     | age |     | age |     |
|    |                               |     | 2.e |     | 2.e |     |
|    |                               |     | mf) |     | mf) |     |
+----+-------------------------------+-----+-----+-----+-----+-----+

**USDA Rural Development**

**New York Offices**

+-----------------------+-----------------------+---------------------+
| ***[USDA RD New York  | ***[Batavia Area      | ***[Bath Area       |
| State                 | O                     | Off                 |
| O                     | ffice]{.underline}*** | ice]{.underline}*** |
| ffice]{.underline}*** |                       |                     |
|                       | 29 Liberty Street,    | 415 W. Morris       |
| The Galleries of      | Suite 2               | Street              |
| Syracuse              |                       |                     |
|                       | Batavia, NY           | Bath, NY 14810-1038 |
| 441 S. Salina Street, | 14020-3294            |                     |
| Suite 357             |                       | 607-776-7398 Ext. 4 |
|                       | 585-343-9167 ext.     |                     |
| Syracuse, NY          | 2200                  | 607-776-7487 (fax)  |
| 13202-2541            |                       |                     |
|                       | 585-344-4662 (fax)    | **Counties served:  |
| 315-477-6400          |                       | [St                 |
|                       | **Counties served:    | euben,]{.underline} |
| 315-477-6438 (fax)    | [                     | Allegany,           |
|                       | Genesee]{.underline}, | Livingston**        |
| 315-477-6468 (Single  | Monroe, Niagara,      |                     |
| Family Housing fax)   | Orleans, Wyoming**    | **Email:            |
|                       |                       | [marg               |
| ***Note: Home County  | **Email:              | aret.evanek@ny.usda |
| of each area office   | [james.walfrand@ny.us | .gov]{.underline}** |
| is underlined.***     | da.gov]{.underline}** |                     |
+-----------------------+-----------------------+---------------------+
|                       |                       |                     |
+-----------------------+-----------------------+---------------------+
| ***[Binghamton Area   | ***[Canandaigua Area  | ***[Canton Area     |
| O                     | O                     | Off                 |
| ffice]{.underline}*** | ffice]{.underline}*** | ice]{.underline}*** |
|                       |                       |                     |
| 1163 Upper Front      | Agricultural Service  | 1942 Old DeKalb     |
| Street                | Center                | Road                |
|                       |                       |                     |
| Binghamton, NY 13905  | 3037 County Road #10  | Canton, NY 13617    |
|                       |                       |                     |
| 607-723-1384 ext. 4   | Canandaigua, NY 14424 | 315-386-2401 Ext. 4 |
|                       |                       |                     |
| 607-723-1015 (fax)    | 585-394-0525 ext. 4   | 315-386-1740 (fax)  |
|                       |                       |                     |
| **Counties served:    | 585-394-8367 (fax)    | **County served:    |
| [Broome]{.underline}, |                       | [St.                |
| Chenango, Cortland,   | **Counties served:    | Lawr                |
| Delaware, Tioga**     | [                     | ence]{.underline}** |
|                       | Ontario]{.underline}, |                     |
| **Email:              | Wayne, Yates**        | **Email:            |
| [b                    |                       | <brian.mu           |
| arbara.thompson@ny.us | **Email:              | rray@ny.usda.gov>** |
| da.gov]{.underline}** | [m                    |                     |
|                       | ichaela.sergent@ny.us |                     |
|                       | da.gov]{.underline}** |                     |
+-----------------------+-----------------------+---------------------+

+-----------------------+-----------------------+---------------------+
| ***[Ellicottville     | ***[Greenwich Area    | ***[Ithaca Area     |
| Area                  | O                     | Off                 |
| O                     | ffice]{.underline}*** | ice]{.underline}*** |
| ffice]{.underline}*** |                       |                     |
|                       | 2530 State Route 40   | 903 Hanshaw Road    |
| 8 Martha Street,      |                       |                     |
| Suite B               | Greenwich, NY         | Ithaca, NY 14850    |
|                       | 12834-9627            |                     |
| P.O. Box 776          |                       | 607-257-2737 Ext. 4 |
|                       | 518-692-9440 ext. 4   |                     |
| Ellicottville, NY     |                       | 607-257-5514 (fax)  |
| 14731-0776            | 518-692-2203 (fax)    | Mark fax for **RD** |
|                       |                       |                     |
| 716-699-2375 ext. 4   | **Counties served:    | **Counties served:  |
|                       | [Was                  | [Tom                |
| 716-699-5357 (fax)    | hington]{.underline}, | pkins]{.underline}, |
|                       | Columbia, Hamilton,   | Chemung, Schuyler,  |
| **Counties served:    | Rensselaer, Saratoga, | Seneca**            |
| [Catt                 | Warren**              |                     |
| araugus]{.underline}, |                       | **Email:            |
| Chautauqua, Erie      | **Email:              | [ma                 |
| Email:                | [                     | rgaret.west@ny.usda |
| [darla.granger@ny.us  | gretchen.pinkel@ny.us | .gov]{.underline}** |
| da.gov]{.underline}** | da.gov]{.underline}** |                     |
+-----------------------+-----------------------+---------------------+

+-----------------------+-----------------------+---------------------+
| ***[Johnstown Area    | ***[Lafayette Area    | ***[Marcy Area      |
| O                     | O                     | Off                 |
| ffice]{.underline}*** | ffice]{.underline}*** | ice]{.underline}*** |
|                       |                       |                     |
| 113 Hales Mills Road  | 2571 US Route 11,     | 9025 River Road     |
|                       | Suite 4               |                     |
| Johnstown, NY         |                       | Marcy, NY           |
| 12095-3741            | Lafayette, NY         | 13403-2301          |
|                       | 13084-9641            |                     |
| 518-762-0077 ext. 4   |                       | 315-736-3316 ext. 4 |
|                       | 315-677-3552 ext. 4   |                     |
| 518-762-7020 (fax)    |                       | 315-736-5782 (fax)  |
|                       | 315-677-0072 (fax)    |                     |
| **Counties served:    |                       | **Counties served:  |
| [Fulton]{.underline}, | **Counties served:    | [O                  |
| Albany, Greene,       | [O                    | neida]{.underline}, |
| Montgomery, Otsego,   | nondaga]{.underline}, | Herkimer, Madison** |
| Schenectady,          | Cayuga, Oswego**      |                     |
| Schoharie**           |                       | **Email:[kathl      |
|                       | **Email:              | een.goodman@ny.usda |
| **Email:              | [william.coles@ny.us  | .gov]{.underline}** |
| [                     | da.gov]{.underline}** |                     |
| patricia.snover@ny.us |                       |                     |
| da.gov]{.underline}** |                       |                     |
+-----------------------+-----------------------+---------------------+

**USDA Rural Development NYS List**

+-----------------------+-----------------------+-----------------------+
| ***[Middletown Area   | ***[Plattsburgh Area  | ***[Watertown Area    |
| O                     | O                     | O                     |
| ffice]{.underline}*** | ffice]{.underline}*** | ffice]{.underline}*** |
|                       |                       |                       |
| Suite 104, 1st Floor, | 6064 Route 22, Suite  | PO Box 838            |
| 225 Dolson Avenue     | 3                     |                       |
|                       |                       | (21168 NYS Route 232) |
| Middletown, NY        | Plattsburgh, NY       |                       |
| 10940-6569            | 12901-9601            | Watertown, NY         |
|                       |                       | 13601-0838            |
| 845-343-1872 ext. 4   | 518-561-4616 ext.4    |                       |
|                       |                       | 315-782-7289 ext. 4   |
| 845-343-2630 (fax)    | 518-563-0957 (fax)    |                       |
|                       |                       | 315-788-2454 (fax)    |
| **Counties served:    | **Counties served:    |                       |
| [Orange]{.underline}, | [                     | **Counties served:**  |
| Bronx, Dutchess,      | Clinton]{.underline}, | **[Je                 |
| Kings, Nassau, New    | Essex, Franklin**     | fferson]{.underline}, |
| York, Putnam, Queens, |                       | Lewis**               |
| Richmond, Rockland,   | **Email:              |                       |
| Suffolk, Sullivan,    | [robert.ivy@ny.us     | **Email:              |
| Ulster, Westchester** | da.gov]{.underline}** | <carol.mc             |
|                       |                       | donald@ny.usda.gov>** |
| **Email:              |                       |                       |
| [george.popp@ny.us    |                       |                       |
| da.gov]{.underline}** |                       |                       |
+-----------------------+-----------------------+-----------------------+
|                       |                       |                       |
+-----------------------+-----------------------+-----------------------+

**Comments or suggestions regarding this booklet should be referred** to
Tim Jones*,* Special Projects Coordinator, Assistant to the State
Director., USDA Rural Development, The Galleries of Syracuse, 441 S.
Salina Street, Suite 357, Syracuse, NY 13202-2425 E-mail:
<timothy.jones@ny.usda.gov> (315)477-6436 fax: (315)477-6438.

Last Update 01/05/2007