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

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

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

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)

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)

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

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

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

15. 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 Rural Rental Housing Success Story – Kelley Creek Apartments, McCook

16. Building Communities from the Ground Up

17. Thank-you! 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