Financing

Lease vs. Own: Conventional | Lease vs. Own: SBA | Approval Package

As a preferred lender, Bank of America Merrill Lynch can provide you a wide array of resources to help close deals quickly and efficiently. Our program offers the following:

Preferred lender benefits:

• Rapid credit decisions within as few as 3-5 days (funding in 3-5 weeks)
• Discounted fixed and variable interest rates
• No fee for bank-completed environmental review
• Reduced appraisal fee (up to $1,500 savings)
• Simplified tenant improvement financing and implementation
• Reduced fees for bank review of project legal documents (up to $5,000 in savings)
• Larger loan amounts:* exceeding $10 million
• Streamlined closing

Conventional financing

• Flexible terms: customized options based on your needs
• Low monthly payments: up to 25-year amortization*, with 5- and 10-year terms
• Custom medical financing programs for purchasing, tenant improvements, equipment financing and leasing

SBA 504 financing

• Repayment up to 25 years and fully amortizing* options
• Below-market, fixed rates
• Lower debt service coverage requirements than conventional

Our experienced business bankers are available to give you personal service and customized lending solutions. For more information, please call:

Matt Foster Vice President Business Development Officer 500 N State College Blvd., Suite 950 Orange, CA 92868 Office: 714.978.7649 Fax: 415.796.6017 matthew.c.foster@baml.com

Linda Briggs Credit Solutions Specialist 4980 Irvine Blvd. Irvine, CA 92620 Orange, CA 92868 Office: 714.371.9312 Fax: 415.796.1231 linda.k.briggs@baml.com

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*Actual amortization, rates and extension of credit are subject to necessary credit approval. Bank of America credit standards and documentation requirements apply. Bank of America Merrill Lynch , N.A. Member FDIC. Equal Housing Lender . ©2009 Bank of America Merrill Lynch Corporation. BB-330-FF