The grow america fund, INC. ("GAF") has a primary mission to create economic opportunity, stimulate investment, and to encourage entrepreneurship in low-income communities by financing businesses and entrepreneurs that invest in those disadvantaged (CONT. On schedule o) communities, and/or create jobs for low-income unemployed and under-employed individuals. GAF, a licensed u.s. SBA small business lending company, and u.s. Department of the treasury certified community development financial institution, provides access to capital for business expansion structured with longer amortization terms and lower interest rates. These lending terms serve to decrease DEBT service costs and improve the borrower's operating cash FLOW, giving businesses a financial advantage that helps strengthen both the economic BASE of the business, and the community.