Partners for Self-Employment, Inc.

1. Partners for Self-Employment, Inc. Founded 1993

2. Loans Business Skills Training Networking Support If you have a skill, talent or experience to start or expand a business…Contact Us!!! Partners for Self-Employment, Inc. Toll Free: 1-877-722-4505 305.438.1407 The missing piece of the Puzzle for small businesses. www.microbusinessusa.org

3. ProvidingMicrocredit Business Loans

4. Providing the missing piece of the puzzle for small businesses Mission Statement PARTNERS FOR SELF-EMPLOYMENT, Inc. d.b.a.MICRO-BUSINESS, USA is a non-profit community development financial institution providing microenterprise loans, training, technical assistance and on-going support to low and moderate income individuals to start or expand a business.

5. Providing the missing piece of the puzzle for small businesses Purpose To provide business skills training and loans to low-moderate income persons who desire to become self-employed, and to provide levels of advanced business training and loan s for those clients who want to increase their capacity to operate successful businesses. Beginning 2003, Micro-Business, USA borrowers will have the opportunity to participate in our Matched Savings Fund (MSF). The MSF will provide a 2:1 match for each dollar saved by participants for the duration of two years. The money they accumulate can be used for home ownership or business investment.

6. Key Players Loan Pool Banks - Federal and Local Government Agencies - Private Investors BankUnited First National Bank of South Miami Chase Manhattan Bank First National Bank of Homestead Citibank Bank United City National Bank of Florida Commercebank Mellon United Nation Bank Citigroup Foundation SunTrust Bank American Express Foundation Operational Support Foundations - Federal and Local Government Agencies - Private Contributions Charles Stewart Mott Foundation SBA U.S. Small Business Administration John S. & James L. Knight Foundation US Treasury Department-CDFI John D. & Catherine T. MacArthur Found. Alex & Agnes O. McIntosh Foundation Norman Shulevitz Foundation Miami-Dade Office of Community & Roblee Foundation Economic Development Wallack Family Foundation Bank Atlantic Foundation City of Miami Economic Development City of St. Petersburg Economic Development

7. Demographics

8. Miami-Dade/Broward/Palm Beach/Pinellas Counties LOANS to Jump Start Your Business Without Credit or Collateral $500 - $1,500 12% Simple Interest on Declining Balance

9. MB-USA Peer Group Level - I • 6-12 Participants in peer group • 2 hour initial orientation • Peer group meets 2 hrs/week – 6 weeks • Peer group is loan committee (makes all loan decision for members) • First loan $500 then $1,500 • No larger loans unless each member current in monthly payments • Loan terms 4-12 months • 10 % buffer for each loan • Attend bi-monthly business enrichment sessions with loan repayment meetings

10. Performance Statistics Peer Lending (Level I) – December 2002 Month YTD Cumulative Indicators # Members Trained # of Chartered BLG’s (business loan groups) # of Loans Dispersed Value of Loans Dispersed Average Loan Size Current Repayment Rate

11. Examples of Loan Use What Can You Do with a $500 Loan? • Buy a fax machine/answering machine • Business cards and stationary • License • Advertise • Add phone lines • Create a website • Purchase materials and supplies • Brochures, flyers and handouts

12. Business Start-Ups Click www.microbusinessusa.com for complete listing of businesses

13. Miami-Dade/Broward/Palm Beach/Pinellas Counties LOANS to Jump Start Your Business Without Credit or Collateral $2,000 - $5,000 12% Simple Interest on Declining Balance

14. MB-USA Peer Group Level Two • 6-12 Participants in peer group • Advanced Business Skills Training • Established business make marketing & business plans based on profitability analysis • Peer group meets 2 hrs/week – 8 weeks • Peer group is loan committee (makes all loan decisions for members) • Loans are $2,000 up to $5,000 • Loan terms 4-24 months • 10 % buffer for each loan • MUST attend bi-monthly business enrichment sessions with loan repayment meetings

15. Performance Statistics Peer Lending (Level II) – December 2002 Month YTD Cumulative Indicators # Members Trained # of Chartered BLG’s (business loan groups) # of Loans Dispersed Value of Loans Dispersed Average Loan Size Current Repayment Rate

16. Miami-Dade/Broward/Palm Beach/Pinellas Counties Take the Puzzle out of Starting or Expanding a Small Business PARTNER LOAN PROGRAM Direct Individual LOANS (Level III) requirescredit and collateral $5,000 - $35,000 Visit us @: www.microbusinessusa.org Call Toll Free: 1-877-722-4505 Phone: 305.438.1407

17. PARTNER LOAN PROGRAM - III Direct Individual loans from $5,000 - $35,000 You will need: • Business must be at least 2 year old • Personal Financial Statement • Business Financial Statement • Current Bank Statement • Occupational License • Credit Report (obtained by Partners) • Tax Return (one year) • Business Profile (Partners form) • Cash Flow Statement (Partners form) • Projected Income and Expense Statement (Partners form) • Collateral in the form of accounts receivable, business assets, real estate or vehicle with no liens. • $100 loan administration fee • 12% interest – Loan terms 12 – 36 months

18. Performance StatisticsPARTNER LOAN PROGRAM Direct Individual Loans – December 2002 Month YTD Cumulative Indicators # of Loans Dispersed Value of Loans Dispersed Average Loan Size Loan Term Interest Rate Current Repayment Rate

19. Partners for Self-Employment, Inc. Corporate Offices: 3000 Biscayne Boulevard Suite 102 Miami, Florida 33137 Tel: (305) 438-1407 Fax: (305) 438-1411 Email: success@microbusinessusa.org Toll Free: 1-877-722-4505 www.microbusinessusa.org

20. Free Information MeetingsMonday, Tuesday or Wednesday 6:30 P.M.

21. Partners for Self-Employment, Inc. Contact Us!!! www.microbusinessusa.org Phone: 305.438.1407 Toll Free: 1-877-722-4505