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    1. Bank Rate & Term: Bank rate is estimated. Points, amortization, and maturity are determined by the lender.
    2. SBA Rate & Term: SBA interest rate is fixed at the time of debenture sale. SBA term is up to 25 years, fully amortized.
    3. Estimated Fees: SBA/CDC fee of 2.15% of SBA loan amount plus CDC’s attorney flat fee of $3,500 which is included and financed in the SBA loan. Other related costs: appraisal, environmental report, escrow and closing costs.