<html><head><meta http-equiv="Content-Type" content="text/html; charset=utf-8"></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class="">I am forwarding Congressman Jerry Nadler\u2019s e-newsletter with a lot of good links including a Small Business Owner Guide to the recently enacted Federal CARES Law (I copied and pasted the text below my email signature but not sure how it\u2019ll appear post send.) The Nadler newsletter follows the Small Business resource document.<br class=""><div class="">
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letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="color: rgb(0, 0, 0); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="color: rgb(0, 0, 0); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="color: rgb(0, 0, 0); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="color: rgb(0, 0, 0); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="background-color: rgb(255, 255, 255); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="font-variant-ligatures: normal; font-variant-position: normal; font-variant-caps: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="font-variant-ligatures: normal; font-variant-position: normal; font-variant-caps: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="font-variant-ligatures: normal; font-variant-position: normal; font-variant-caps: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="font-variant-ligatures: normal; font-variant-position: normal; font-variant-caps: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><span class="Apple-style-span" style="border-collapse: separate; font-variant-ligatures: normal; font-variant-position: normal; font-variant-caps: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; border-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-stroke-width: 0px;"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><span class="Apple-style-span" style="border-collapse: separate; font-variant-ligatures: normal; font-variant-position: normal; font-variant-caps: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; border-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-stroke-width: 0px;"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div class=""><div style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><span class="Apple-style-span" style="border-collapse: separate; font-variant-ligatures: normal; font-variant-position: normal; font-variant-caps: normal; font-variant-numeric: normal; font-variant-alternates: normal; font-variant-east-asian: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; border-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-stroke-width: 0px;"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div class=""><div class=""><div align="CENTER" class=""><div style="text-align: -webkit-auto;" class=""><div align="CENTER" class=""><div style="text-align: start;" class=""><div align="CENTER" style="font-family: Helvetica; font-weight: normal; font-style: normal; color: rgb(0, 0, 0);" class=""><br class=""></div></div></div></div></div></div></div></div></span></div></div></div></span></div></span></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><div><div style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><a href="https://www.sbc.senate.gov/public/_cache/files/9/7/97ac840c-28b7-4e49-b872-d30a995d8dae/F2CF1DD78E6D6C8C8C3BF58C6D1DDB2B.small-business-owner-s-guide-to-the-cares-act-final-.pdf#page2" class="">https://www.sbc.senate.gov/public/_cache/files/9/7/97ac840c-28b7-4e49-b872-d30a995d8dae/F2CF1DD78E6D6C8C8C3BF58C6D1DDB2B.small-business-owner-s-guide-to-the-cares-act-final-.pdf#page2</a> <div class=""><br class=""></div><div class="">For many the Paycheck Protection program (p.2) may be of interest to business people (you or clients or both).</div><div class=""><div class="">
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<div class="column"><p class=""><span style="font-size: 16.000000pt; font-family: 'Calibri'; font-weight: 700" class="">The Small Business Owner\u2019s Guide to the </span><span style="font-size: 16.000000pt; font-family: 'Calibri'; font-weight: 700; font-style: italic" class="">CARES Act
</span></p><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">The programs and initiatives in the </span><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-style: italic" class="">Coronavirus Aid, Relief, and Economic Security
(CARES) Act </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">that was just passed by Congress are intended to assist business
owners with whatever needs they have right now. When implemented, there will
be many new resources available for small businesses, as well as certain non-
profits and other employers. This guide provides information about the major
programs and initiatives that will soon be available from the Small Business
Administration (SBA) to address these needs, as well as some additional tax
provisions that are outside the scope of SBA.
</span></p><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">To keep up to date on when these programs become available, please stay in
contact with your local Small Business Administration (SBA) District Office, which
you can locate </span><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">here</span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">.
</span></p><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Struggling to get started? </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">The following questions might help point you in the
right direction. Do you need:
</span></p>
<ul class="">
<li style="font-size: 14.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Capital to cover the cost of retaining employees? </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">Then the </span><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Paycheck
Protection Program </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">might be right for you.
</span></p>
</li>
<li style="font-size: 14.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">A quick infusion of a smaller amount of cash to cover you right now? </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">You
might want to look into an </span><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Emergency Economic Injury Grant</span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">.
</span></p>
</li>
<li style="font-size: 14.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">To ease your fears about keeping up with payments on your current or
potential SBA loan? </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">The </span><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Small Business Debt Relief Program </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">could help.
</span></p>
</li>
<li style="font-size: 14.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Just some quality, free counseling to help you navigate this uncertain
economic time? </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">The </span><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">resource partners </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">might be your best bet.
</span></p>
</li>
</ul>
</div>
</div>
<img alt="page1image2221267872" apple-inline="yes" id="34F140CB-96C7-43DD-B455-CA17C5209DE2" class="" src="cid:58D6E43F-28A0-4AC9-BB9B-491CEDC6C921@home">
<img alt="page1image2221268160" apple-inline="yes" id="1CB987C1-0A00-457B-ADC0-C127C683E86D" class="" src="cid:35D47968-D81D-4384-8ED3-07AE1AAC7EF3@home">
<img alt="page1image2221268448" apple-inline="yes" id="16E11F4E-25E2-4550-AB75-BD9FE6B221C3" class="" src="cid:312893BB-CE31-4831-8B35-9424BCAAECD2@home">
<img alt="page1image2221268800" apple-inline="yes" id="DBB2BE75-DC36-401C-9B5C-5509DB137E6D" class="" src="cid:8A68560C-2BF0-441F-BE28-82B4FED05931@home">
<img alt="page1image2221269088" apple-inline="yes" id="ECE4C733-3BA7-4A0E-89E6-E0350CC9A16F" class="" src="cid:10C32380-C7AF-4D00-AF96-1C8F03A09F42@home">
<img alt="page1image2221269376" apple-inline="yes" id="74ACC9BE-AFE5-4117-BFC7-7BB12DDE282C" class="" src="cid:38E12014-39A7-465F-B408-240C84623332@home">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Already know what resources you\u2019re
looking for? </span><span style="font-size: 14.000000pt; font-family: 'Calibri'" class="">The table of contents can
direct you to more information about
the program or assistance product you
need.
</span></p>
</div>
<div class="column"><p class=""><span style="font-size: 16.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(100.000000%, 100.000000%, 100.000000%); background-color: rgb(26.700000%, 32.900000%, 41.600000%)" class="">Table of Contents
</span></p><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Paycheck Protection Program Loans 2
Small Business Debt Relief Program 6
</span></p>
</div>
</div>
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Economic Injury Disaster Loans and
Emergency Economic Injury Grants
</span></p>
</div>
<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">7
</span></p>
</div>
</div>
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<img alt="page1image2221308096" apple-inline="yes" id="C3AC5505-52A3-48B1-AFCD-BAD321FACFA5" class="" src="cid:0884BD11-D81B-49C8-A951-3F8FB80E8F22@home">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Small Business Counseling 9
Small Business Contracting 10
Small Business Tax Provisions 11
</span></p>
</div>
</div>
<img alt="page1image2221319040" apple-inline="yes" id="EB4B8820-C841-4B96-838D-903F190608DE" class="" src="cid:5993E881-CC55-4A3F-8F5A-E6472A9A85E0@home">
<img alt="page1image2221319584" apple-inline="yes" id="81C06C65-7399-4D90-8B4B-632D3C90FE30" class="" src="cid:781ADD53-79EA-478E-A276-B305A4FE0E31@home">
</div>
<div class="page" title="Page 2">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Paycheck Protection Program (PPP) Loans
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">The program would provide cash-flow assistance through 100 percent federally guaranteed
loans to employers who maintain their payroll during this emergency. If employers maintain
their payroll, the loans would be forgiven, which would help workers remain employed, as well
as help affected small businesses and our economy snap-back quicker after the crisis. PPP has a
host of attractive features, such as forgiveness of up to 8 weeks of payroll based on employee
retention and salary levels, no SBA fees, and at least six months of deferral with maximum
deferrals of up to a year. Small businesses and other eligible entities will be able to apply if they
were harmed by COVID-19 between February 15, 2020 and June 30, 2020. This program would
be retroactive to February 15, 2020, in order to help bring workers who may have already been
laid off back onto payrolls. </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Loans are available through June 30, 2020.
</span></p>
</div>
</div>
<img alt="page2image2220751808" apple-inline="yes" id="E27E4936-F276-4354-BEFD-071619D62F26" class="" src="cid:9B9CA0FF-C0C9-4F0B-8FA6-6D6C40B831A7@home">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p>
</div>
<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(100.000000%, 100.000000%, 100.000000%); background-color: rgb(26.700000%, 32.900000%, 41.600000%)" class="">FREQUENTLY ASKED QUESTIONS
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What types of businesses and entities are eligible for a PPP loan?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Businesses and entities must have been in operation on February 15, 2020.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Small business concerns, as well as any business concern, a 501(c)(3) nonprofit
organization, a 501(c)(19) veterans organization, or Tribal business concern described in
section 31(b)(2)(C) that has fewer than 500 employees, or the applicable </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">size standard </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">in
number of employees for the North American Industry Classification System (NAICS)
industry as provided by SBA, if higher.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Individuals who operate a sole proprietorship or as an independent contractor and
eligible self-employed individuals.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Any business concern that employs not more than 500 employees per physical location
of the business concern and that is assigned a NAICS code beginning with 72, for which
the affiliation rules are waived.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Affiliation rules are also waived for any business concern operating as a franchise that is
assigned a franchise identifier code by the Administration, and company that receives
funding through a Small Business Investment Company.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What are affiliation rules?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Affiliation rules become important when SBA is deciding whether a business\u2019s affiliations
preclude them from being considered \u201csmall.\u201d Generally, affiliation exists when one
business controls or has the power to control another or when a third party (or parties)
controls or has the power to control both businesses. Please see </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">this resource </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">for more on
these rules and how they can impact your business\u2019s eligibility.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What types of non-profits are eligible?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">In general, 501(c)(3) and 501(c)(19) non-profits with 500 employees or fewer as most non-
profit SBA size standards are based on revenue, not employee number. You can check </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">here</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">.
</span></p>
</div>
</div>
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<img alt="page2image2260817840" apple-inline="yes" id="5F22F6B6-6DB5-4E26-80E5-D35B13D99A89" class="" src="cid:FB6F80B8-0DCE-42CA-A5D2-F38191E64D76@home">
<img alt="page2image2260818256" apple-inline="yes" id="B6676EB8-0633-41ED-B3CB-C17E5E3EB8C2" class="" src="cid:AA85DA52-4901-4C36-8C6D-0CAD616721A6@home">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p>
</div>
</div>
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<img alt="page2image2260823728" apple-inline="yes" id="1850A32A-FD95-40A6-9293-BE1F62E83253" class="" src="cid:9C9523F8-3713-4480-B1DE-E23A988FDB5D@home">
<img alt="page2image2260824016" apple-inline="yes" id="F5B7CEB5-61A7-4136-B141-75DF094F84B7" class="" src="cid:C43AD887-555D-4314-8F6A-46979F63E124@home">
<img alt="page2image2260824304" apple-inline="yes" id="1F5D2F07-6154-47B1-BA06-F7158294F0AD" class="" src="cid:12BA4FF3-66FD-4A24-BD20-A1F048AB489E@home">
<img alt="page2image2260824592" apple-inline="yes" id="631CB143-2963-4CFD-A120-F548F69BD78B" class="" src="cid:66DEA6A5-03F2-48B8-94DE-0619A4BA8C75@home">
<img alt="page2image2260824880" apple-inline="yes" id="FCE7F0CB-CEDE-4F38-8EBE-D7565BD81435" class="" src="cid:EE0F25CA-0D92-4A66-B4CF-E43322BD2C9B@home">
<img alt="page2image2260825424" apple-inline="yes" id="57EE555A-7A20-4A08-B4AF-669D0E679B90" class="" src="cid:F6EAAD3D-C646-4B2F-BC97-5E49421868A0@home">
<img alt="page2image2260825616" apple-inline="yes" id="7CAEB365-F587-4362-BAA3-F2A0CCEEEB31" class="" src="cid:71228922-DB04-422E-BEB1-54A982F6D440@home">
<img alt="page2image2260825904" apple-inline="yes" id="0B6452A9-1FFF-478C-BD22-EEE744279467" class="" src="cid:19FC1448-77E2-4260-8612-DB4D5EFB8A3A@home">
<img alt="page2image2260826192" apple-inline="yes" id="660D832A-3BAE-4363-9AA1-975151CE2E7B" class="" src="cid:979267C1-3132-4A29-A3AC-A0DF5250A5B6@home">
<img alt="page2image2260826480" apple-inline="yes" id="D34764F8-55F9-415F-8D60-D070E684BEDA" class="" src="cid:982FC6CF-9F56-468D-BC37-F2350907A930@home">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">2
</span></p>
</div>
</div>
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(26.700000%, 32.900000%, 41.600000%); background-color: rgb(100.000000%, 100.000000%, 100.000000%)" class="">FAQ\u2019s continue on the next page!
</span></p>
</div>
</div>
</div>
<div class="page" title="Page 3">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p>
</div>
<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How is the loan size determined?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Depending on your business\u2019s situation, the loan size will be calculated in different ways
(see below). The maximum loan size is always </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">$10 million</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">.
</span></p>
<ul class="">
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">If you were in business February 15, 2019 \u2013 June 30, 2019: </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Your max loan is equal
to 250 percent of your average monthly payroll costs during that time period. If your
business employs seasonal workers, you can opt to choose March 1, 2019 as your
time period start date.
</span></p>
</li>
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">If you were not in business between February 15, 2019 \u2013 June 30, 2019: </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Your max
loan is equal to 250 percent of your average monthly payroll costs between January
1, 2020 and February 29, 2020.
</span></p>
</li>
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">If you took out an Economic Injury Disaster Loan (EIDL) between February 15, 2020
and June 30, 2020 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">and you want to refinance that loan into a PPP loan, you would
add the outstanding loan amount to the payroll sum.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What costs are eligible for payroll?
</span></p><p class=""><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Compensation (salary, wage, commission, or similar compensation, payment of cash
tip or equivalent)
</span></p><p class=""><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Payment for vacation, parental, family, medical, or sick leave<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Allowance for dismissal or separation<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Payment required for the provisions of group health care benefits, including
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">insurance premiums<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Payment of any retirement benefit<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Payment of State or local tax assessed on the compensation of employees
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What costs are not eligible for payroll?
</span></p><p class=""><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Employee/owner compensation over $100,000<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Taxes imposed or withheld under chapters 21, 22, and 24 of the IRS code<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Compensation of employees whose principal place of residence is outside of the U.S.
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Qualified sick and family leave for which a credit is allowed under sections 7001 and
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">7003 of the </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-style: italic; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Families First Coronavirus Response Act
</span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What are allowable uses of loan proceeds?
</span></p><p class=""><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Payroll costs (as noted above)<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Costs related to the continuation of group health care benefits during periods of
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">paid sick, medical, or family leave, and insurance premiums
</span></p><p class=""><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Employee salaries, commissions, or similar compensations (see exclusions above)
</span></p><p class=""><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Payments of interest on any mortgage obligation (which shall not include any
prepayment of or payment of principal on a mortgage obligation)
</span></p><p class=""><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Rent (including rent under a lease agreement)<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Utilities<br class="">
</span><span style="font-size: 12pt;" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Interest on any other debt obligations that were incurred before the covered period
</span></p>
</li>
</ul>
</div>
</div>
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What are the loan term, interest rate, and fees?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">For any amounts not forgiven, the maximum term is 10 years, the maximum interest rate is
4 percent, zero loan fees, zero prepayment fee (SBA will establish application fees caps for
lenders that charge).
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How is the forgiveness amount calculated?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Forgiveness on a covered loan is equal to the sum of the following payroll costs incurred
during the covered 8 week period compared to the previous year or time period,
proportionate to maintaining employees and wages (excluding compensation over
$100,000):
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Payroll costs </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">plus </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">any payment of interest on any covered mortgage obligation (not
including any prepayment or payment of principal on a covered mortgage
obligation) </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">plus </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">any payment on any covered rent obligation </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">plus </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">and any covered
utility payment.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How do I get forgiveness on my PPP loan?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">You must apply through your lender for forgiveness on your loan. In this application, you
must include:
</span></p>
<ul class="">
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Documentation verifying the number of employees on payroll and pay rates,
including IRS payroll tax filings and State income, payroll and unemployment
insurance filings.
</span></p>
</li>
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Documentation verifying payments on covered mortgage obligations, lease
obligations, and utilities.
</span></p>
</li>
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Certification from a representative of your business or organization that is
authorized to certify that the documentation provided is true and that the amount
that is being forgiven was used in accordance with the program\u2019s guidelines for use.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What happens after the forgiveness period?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Any loan amounts not forgiven are carried forward as an ongoing loan with max terms of 10
years, at a maximum interest rate of 4%. Principal and interest will continue to be deferred,
for a total of 6 months to a year after disbursement of the loan. The clock does not start
again.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Can I get more than one PPP loan?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">No, an entity is limited to one PPP loan. Each loan will be registered under a Taxpayer
Identification Number at SBA to prevent multiple loans to the same entity.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Where should I go to get a PPP loan from?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">All current SBA 7(a) lenders (see more about </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">7(a) here</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">) are eligible lenders for PPP. The
Department of Treasury will also be in charge of authorizing new lenders, including non-
bank lenders, to help meet the needs of small business owners.
</span></p>
</li>
</ul>
</div>
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<img alt="page4image2263586464" apple-inline="yes" id="E1EF656D-C5ED-49FE-B8F2-D0EECE4F20DF" class="" src="cid:8084E373-D241-4A50-ACBF-E9B3EB26879E@home">
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p>
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How does the PPP loan coordinate with SBA\u2019s existing loans?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Borrowers may apply for PPP loans and other SBA financial assistance, including Economic
Injury Disaster Loans (EIDLs), 7(a) loans, 504 loans, and microloans, and also receive
investment capital from </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Small Business Investment Corporations </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">(SBICs). However, you
cannot use your PPP loan for the same purpose as your other SBA loan(s). For example, if
you use your PPP to cover payroll for the 8-week covered period, you cannot use a different
SBA loan product for payroll for those same costs in that period, although you could use it
for payroll not during that period or for different workers.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How does the PPP loan work with the temporary Emergency Economic Injury Grants and
the Small Business Debt Relief program?<br class="">
</span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Emergency Economic Injury Grant </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">and Economic Injury Disaster Loan (EIDL) recipients
and those who receive loan payment relief through the </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Small Business Debt Relief
Program </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">may apply for and take out a PPP loan as long as there is no duplication in the
uses of funds. Refer to those sections for more information.
</span></p>
</div>
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<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Small Business Debt Relief Program
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">This program will provide immediate relief to small businesses with non-disaster SBA loans, in
particular 7(a), 504, and microloans. Under it, SBA will cover all loan payments on these SBA
loans, including principal, interest, and fees, for six months. This relief will also be available to
new borrowers who take out loans within six months of the President signing the bill into law.
</span></p>
</div>
</div>
<img alt="page6image2262659344" apple-inline="yes" id="0346265A-64E5-4758-83DD-C2FD71924A2A" class="" src="cid:0A903B8C-D4BB-4B20-8BF8-97AEF2A28CB4@home">
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<div class="column"><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p>
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(100.000000%, 100.000000%, 100.000000%); background-color: rgb(26.700000%, 32.900000%, 41.600000%)" class="">FREQUENTLY ASKED QUESTIONS
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Which SBA loans are eligible for debt relief under this program?
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">7(a) loans not made under the Paycheck Protection Program (PPP), 504 loans, and microloans.
Disaster loans are not eligible (see </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">p. 7 </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">for more information on these).
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How does debt relief under this program work with a PPP loan?
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Borrowers may separately apply for and take out a PPP loan, but debt relief under this program will
not apply to a PPP loan.
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How do I know if I\u2019m eligible for a 7(a), 504, or microloan?
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">In general, businesses must meet </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">size standards</span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">, be based in the U.S., be able to repay, and have a
sound business purpose. To check whether your business is considered small, you will need your
business\u2019s 6-digit North American Industry Classification System (NAICS) code and 3-year average
annual revenue. Each program has different requirements, see </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class=""><a href="https://www.sba.gov/funding-" class="">https://www.sba.gov/funding-</a>
programs/loans </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">for more details.
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What is a 7(a) loan and how do I apply?
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">7(a) loans are an affordable loan product of up to $5 million for borrowers who lack credit
elsewhere and need access to versatile financing, providing short-term or long-term working capital
and to purchase an existing business, refinance current business debt, or purchase furniture,
fixtures and supplies. In the program, banks share a portion of the risk of the loan with SBA. There
are many different types of 7(a) loans, you can visit </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">this site </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">to find the one that\u2019s best for you. You
apply for a 7(a) loan with a bank or a mission-based lender. SBA has a free referral service tool
called </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Lender Match </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">to help find a lender near you.
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What is a 504 loan and how do I apply?
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">The </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">504 Loan Program </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">provides loans of up to $5.5 million to approved small businesses with long-
term, fixed-rate financing used to acquire fixed assets for expansion or modernization. It is a good
option if you need to purchase real estate, buildings, and machinery. You apply through a Certified
Development Company, which is a nonprofit corporation that promotes economic development.
SBA has a free referral service tool called </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Lender Match </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">to help find a lender near you.
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What is a microloan and how do I apply?
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">The </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Microloan Program </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">provides loans up to $50,000 to help small businesses and certain not-for-
profit childcare centers to start up and expand. The average microloan is about $13,000. These
loans are delivered through mission-based lenders who are also able to provide business
counseling. SBA has a free referral service tool called </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Lender Match </span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">to help find a microlender near
you.
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'; font-weight: 700" class="">I am unfamiliar with SBA loans, can anyone help me apply?
</span></p><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">Yes, SBA resource partners are available to help guide you through the loan application process. You
can find your nearest Small Business Development Center (SBDC) or Women\u2019s Business Center </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">here</span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">.
</span></p>
</div>
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<div class="column"><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">6
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<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Economic Injury Disaster Loans & Emergency Economic Injury Grants
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">These grants provide an emergency advance of up to $10,000 to small businesses and private
non-profits harmed by COVID-19 within three days of applying for an SBA Economic Injury
Disaster Loan (EIDL). To access the advance, you first apply for an EIDL and then request the
advance. </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">The advance does not need to be repaid under any circumstance</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">, and may be used
to keep employees on payroll, to pay for sick leave, meet increased production costs due to
supply chain disruptions, or pay business obligations, including debts, rent and mortgage
payments.
</span></p>
</div>
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Answer:
</span></p>
</div>
<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(100.000000%, 100.000000%, 100.000000%); background-color: rgb(26.700000%, 32.900000%, 41.600000%)" class="">FREQUENTLY ASKED QUESTIONS
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Are businesses and private non-profits in my state eligible for an EIDL related to COVID-
19?<br class="">
</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Yes, those suffering substantial economic injury in all 50 states, DC, and the territories may
apply for an EIDL.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What is an EIDL and what is it used for?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">EIDLs are lower interest loans of up to $2 million, with principal and interest deferment at
the Administrator\u2019s discretion, that are available to pay for expenses that could have been
met had the disaster not occurred, including payroll and other operating expenses.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Who is eligible for an EIDL?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Those eligible are the following with 500 or fewer employees:
</span></p>
<ul class="">
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Sole proprietorships, with or without employees
</span></p>
</li>
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Independent contractors
</span></p>
</li>
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Cooperatives and employee owned businesses
</span></p>
</li>
<li style="font-size: 12.000000pt; font-family: 'SymbolMT'" class=""><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Tribal small businesses
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Small business concerns and small agricultural cooperatives that meet the applicable size
standard for SBA are also eligible, as well as most private non-profits of </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">any </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">size. See
</span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">below </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">for more info on size standards.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">My private non-profit is not a 501(c)(3). Is it still eligible for an EIDL and a grant?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Yes, if you are a private non-profit with an effective ruling letter from the IRS, granting tax
exemption under sections 501(c), (d), or (e) of the Internal Revenue Code of 1954, </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">or </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">if you
can provide satisfactory evidence from the State that the non-revenue producing
organization or entity is a non-profit one organized or doing business under State law.
However, a recipient that is principally engaged in teaching, instructing, counseling, or
indoctrinating religion or religious beliefs, whether in a religious or secular setting, or
primarily engaged in political or lobbying activities is not eligible to receive an EIDL. If you
are uncertain whether you qualify, please consult with legal counsel to determine whether
your organization meets program criteria.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Who is eligible for an Emergency Economic Injury Grant?<br class="">
</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Those eligible for an EIDL and who have been in operation since </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">January 31, 2020</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">, when
the public health crisis was announced.
</span></p>
</li>
</ul>
</div>
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How long are Emergency Economic Injury Grants available?<br class="">
January 31, 2020 \u2013 December 31, 2020. </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">The grants are backdated to January 31, 2020 to
allow those who have already applied for EIDLs to be eligible to also receive a grant.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">If I get an EIDL and/or an Emergency Economic Injury Grant, can I get a PPP loan?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Whether you\u2019ve already received an EIDL unrelated to COVID-19 or you receive a COVID-
19 related EIDL and/or Emergency Grant between January 31, 2020 and June 30, 2020, you
may also apply for a PPP loan. If you ultimately receive a PPP loan or refinance an EIDL into
a PPP loan, any advance amount received under the Emergency Economic Injury Grant
Program would be subtracted from the amount forgiven in the PPP. However, you cannot
use your EIDL for the same purpose as your PPP loan. For example, if you use your EIDL to
cover payroll for certain workers in April, you cannot use PPP for payroll for those same
workers in April, although you could use it for payroll in March or for different workers in
April.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How do I know if my business is a small business?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Please visit </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class=""><a href="https://www.sba.gov/size-standards/" class="">https://www.sba.gov/size-standards/</a> </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">to find out if your business meets SBA\u2019s
small business size standards. You will need the 6-digit North American Industry
Classification Code for your business and your business\u2019s 3-year average annual revenue.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">How do I apply for an economic injury disaster loan?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">To apply for an EIDL online, please visit </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class=""><a href="https://disasterloan.sba.gov/ela/" class="">https://disasterloan.sba.gov/ela/</a></span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">. Your </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">SBA District
Office </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">is an important resource when applying for SBA assistance.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">I am unfamiliar with the EIDL process, can anyone help me apply?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Yes, SBA resource partners are available to help guide you through the EIDL application
process. You can find the nearest Small Business Development Center (SBDC), Women\u2019s
Business Center, or SCORE mentorship chapter at </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class=""><a href="https://www.sba.gov/local-" class="">https://www.sba.gov/local-</a>
assistance/find/</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">.
</span></p>
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<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Counseling & Training
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">If you, like many small business owners, need a business counselor to help guide you through
this uncertain time, you can turn to your local Small Business Development Center (SBDC),
Women\u2019s Business Center (WBC), or SCORE mentorship chapter. These resource partners, and
the associations that represent them, will receive additional funds to expand their reach and
better support small business owners with counseling and up-to-date information regarding
COVID-19. There will soon be a joint platform that consolidates information and resources
related to COVID-19 in order to provide consistent, timely information to small businesses. To
find a local resource partner, visit </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class=""><a href="https://www.sba.gov/local-assistance/find/" class="">https://www.sba.gov/local-assistance/find/</a></span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">In addition, the Minority Business Development Agency\u2019s Business Centers (MBDCs), which
cater to minority business enterprises of all sizes, will also receive funding to hire staff and
provide programming to help their clients respond to COVID-19. Not every state has a MBDC.
To find out if there is one that services your area, visit </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">this site</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">.
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</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
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</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
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</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">QUESTION:
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<div class="column"><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(100.000000%, 100.000000%, 100.000000%); background-color: rgb(26.700000%, 32.900000%, 41.600000%)" class="">FREQUENTLY ASKED QUESTIONS
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Do I have to pay for counseling and training through SBDCs, WBCs, and MBDCs?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Counseling is free and training is low-cost with these partners. The additional funds that
Congress provided will help keep this possible. Mentorship through SCORE is always free.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What is a SBDC?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">SBDCs are a national network of nearly 1,000 centers that are located at leading universities,
colleges, state economic development agencies and private partners. They provide
counseling and training to new and existing businesses. Each state has a lead center that
coordinates services specifically for that state, which you can find by clicking the link above.
To find out more about SBDCs, visit </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class=""><a href="https://americassbdc.org/about-us/" class="">https://americassbdc.org/about-us/</a></span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What is a WBC; is it only for women?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">WBCs are a national network of more than 100 centers that offer one-on-one counseling,
training, networking, workshops, technical assistance and mentoring to entrepreneurs on
numerous business development topics. In addition to women, WBCs are mandated to serve
the needs of underserved entrepreneurs, including low-income entrepreneurs. They often
offer flexible hours to meet the needs of their diverse clientele. To find out more about
WBCs, visit </span><span style="font-size: 11.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class=""><a href="https://www.awbc.org/" class="">https://www.awbc.org/</a></span><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">What is SCORE?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">SCORE provides free, confidential business advice through our volunteer network of 10,000+
business experts. You can meet with a mentor online. Find out more </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">here</span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Who do MBDCs serve?
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">MBDCs are a good option for minority-owned businesses (including those owned by Black,
Hispanic, Asian American/Pacific Islander, and American Indian business owners), especially
those seeking to penetrate new markets \u2014 domestic & global \u2014 and grow in size and scale.
</span></p>
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<img alt="page9image2261540976" apple-inline="yes" id="876B0AF4-735F-4667-82AE-192538D69927" class="" src="cid:A5CBF69F-9D1B-4FE4-A5A7-059362635B16@home">
<img alt="page9image2261541264" apple-inline="yes" id="7E4BB84E-0D47-4D9A-9BC6-DBC28311EDBE" class="" src="cid:C15C11E3-128F-41F8-A3F0-DF96F547A322@home">
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<img alt="page9image2261543280" apple-inline="yes" id="9952E864-310F-405B-8DE6-169BF743FFF1" class="" src="cid:D79E5CD8-6D94-4394-B159-FC51258D02EE@home">
<img alt="page9image2261543568" apple-inline="yes" id="B124B695-BA7A-4C8A-BC60-25A76AFE04D0" class="" src="cid:3FF52D9A-C2F1-404E-948B-BBD8BB6D529A@home">
<div class="layoutArea">
<div class="column"><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">9
</span></p>
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<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Contracting
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">If you are a government contractor, there are a number of ways that Congress has provided
relief and protection for your business. Agencies will be able to modify terms and conditions of
a contract and to reimburse contractors at a billing rate of up to 40 hours per week of any paid
leave, including sick leave. The contractors eligible are those whose employees or
subcontractors cannot perform work on site and cannot telework due to federal facilities
closing because of COVID-19.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">If you need additional assistance, please reach out to your </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">local </span><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Small Business Development
Center, Women\u2019s Business Center, SCORE chapter, or SBA District Office. You should also work
with your agency\u2019s contracting officer, as well as the agency\u2019s Office of Small and
Disadvantaged Business Utilization (OSDBU).
</span></p>
</div>
</div>
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<div class="column"><p class=""><span style="font-size: 11.000000pt; font-family: 'Calibri'" class="">10
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<div class="column"><p class=""><span style="font-size: 14.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Small Business Tax Provisions
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Employee Retention Credit for Employers Subject to Closure or Experiencing Economic
Hardship
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">This provision would provide a refundable payroll tax credit for 50 percent of wages paid by
eligible employers to certain employees during the COVID-19 crisis. The credit is available to
employers, including non-profits, whose operations have been fully or partially suspended as a
result of a government order limiting commerce, travel or group meetings. The credit is also
provided to employers who have experienced a greater than 50 percent reduction in quarterly
receipts, measured on a year-over-year basis.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">Wages of employees who are furloughed or face reduced hours as a result of their employer\u2019s
closure or economic hardship are eligible for the credit. For employers with 100 or fewer full-
time employees, all employee wages are eligible, regardless of whether an employee is
furloughed. The credit is provided for wages and compensation, including health benefits, and
is provided for the first $10,000 in wages and compensation paid by the employer to an eligible
employee. Wages do not include those taken into account for purposes of the payroll credits
for required paid sick leave or required paid family leave, nor for wages taken into account for
the employer credit for paid family and medical leave (IRC sec. 45S).
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">The credit is not available to employers receiving assistance through the </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Paycheck
Protection Program</span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">. The credit is provided through December 31, 2020.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Delay of Payment of Employer Payroll Taxes
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'Calibri'" class="">This provision would allow taxpayers to defer paying the employer portion of certain payroll
taxes through the end of 2020, with all 2020 deferred amounts due in two equal installments,
one at the end of 2021, the other at the end of 2022. Payroll taxes that can be deferred include
the employer portion of FICA taxes, the employer and employee representative portion of
Railroad Retirement taxes (that are attributable to the employer FICA rate), and half of SECA tax
liability.
</span></p><p class=""><span style="font-size: 12.000000pt; font-family: 'SymbolMT'" class="">\u2022 </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">Deferral is not provided to employers receiving assistance through the </span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700; color: rgb(2.000000%, 38.800000%, 75.700000%)" class="">Paycheck
Protection Program</span><span style="font-size: 12.000000pt; font-family: 'Calibri'; font-weight: 700" class="">. </span></p>
</div>
</div>
</div></div></div></div><br class=""></div><div class=""><div class="">Begin forwarded message:</div><br class="Apple-interchange-newline"><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, "Helvetica Neue", Helvetica, sans-serif;" class=""><b class="">From: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class="">Congressman Jerry Nadler<br class=""></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, "Helvetica Neue", Helvetica, sans-serif;" class=""><b class="">Subject: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class=""><b class="">Ensuring the CARES Act Helps New Yorkers</b><br class=""></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, "Helvetica Neue", Helvetica, sans-serif;" class=""><b class="">Date: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class="">March 31, 2020 at 7:31:15 AM EDT<br class=""></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, "Helvetica Neue", Helvetica, sans-serif;" class=""><b class="">To: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class="">Corey Bearak<br class=""></span></div><br class=""><div class=""><div style="background-color: rgb(221, 221, 221); zoom: 100%; position: relative;" class=""><table width="100%" height="100%" align="center" border="0" cellspacing="0" cellpadding="0" topmargin="0" leftmargin="0" marginwidth="0" marginheight="0" style="caret-color: rgb(0, 0, 0); letter-spacing: normal; orphans: auto; text-indent: 0px; text-transform: none; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; background-color: rgb(221, 221, 221); text-decoration: none; font-family: arial, helvetica, sans-serif;" class=""><tbody class=""><tr class=""><td valign="top" class=""><table class="headerholder" width="700" align="center" border="0" cellspacing="10" cellpadding="0"><tbody class=""><tr class=""><td align="left" style="font-weight: bold; font-family: Helvetica, Arial, sans-serif; font-size: 13px; color: rgb(5, 56, 118); width: 335px;" class=""><span style="font-size: 14px;" class="">March 31, 2020<br class=""></span></td><td align="right" style="font-weight: bold; font-family: Helvetica, Arial, sans-serif; font-size: 13px; color: rgb(5, 56, 118); width: 335px;" class=""><span style="font-size: 14px;" class=""><a target="_blank" href="https://nadler.house.gov/news/email/show.aspx?ID=CNK3PZLEWQQHLVSJAMTQPOZ2QQ" style="color: rgb(5, 56, 118);" class="">Click here</a><span class="Apple-converted-space"> </span>if you have trouble viewing this email</span></td></tr></tbody></table><table class="headerholder" width="700" align="center" border="0" cellspacing="0" cellpadding="0"><tbody class=""><tr class=""><td class="header" align="center"><table width="100%" cellspacing="10" cellpadding="0" style="background-color: rgb(255, 255, 255);" class=""><tbody class=""><tr class=""><td class="header"><span style="font-size: 14px;" class=""><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472253-38273853" style="color: rgb(255, 255, 255); width: 700px;" class=""><img alt="" width="700" src="https://jerroldnadler.house.gov/images/email/nadler-enews.jpg" style="max-width: 700px;" class=""></a></span></td></tr></tbody></table></td></tr></tbody></table><table width="700" class="contentholder" align="center" border="0" cellspacing="0" cellpadding="10" style="background-color: rgb(255, 255, 255);"><tbody class=""><tr class=""><td class=""><table class="content" width="450" cellpadding="0" cellspacing="0" align="left" style="width: 450px;"><tbody class=""><tr class=""><td class=""><table class="content" width="100%" cellpadding="0" cellspacing="10" style="background-color: rgb(255, 255, 255);"><tbody class=""><tr class=""><td class=""><table class="content" width="100%" cellpadding="0" cellspacing="0" style="background-color: rgb(255, 255, 255);"><tbody class=""><tr class=""><td valign="top" style="text-align: left; font-family: arial, helvetica, sans-serif; font-size: 14px;" class="">Dear Friends,<span class="Apple-converted-space"> </span></td></tr></tbody></table><span style="font-size: 14px;" class=""><br class=""></span><table class="content" width="100%" cellpadding="0" cellspacing="0"><tbody class=""><tr class=""><td valign="top" style="text-align: left; font-family: arial, helvetica, sans-serif; font-size: 14px;" class=""><p class="">Many of you have already seen my statement on the CARES Act, which the House passed last week to provide a third round of economic stimulus and emergency response to the coronavirus, but I wanted to provide you with a version that includes helpful links to information and resources concerning federal aid that you may be eligible for through this important legislation. As I said in my statement, while there is still more that needs to be done to help the City and State handle this enormous crisis, this bill is an important start for many New Yorkers and millions of Americans to face the health risks and economic hardships ahead.</p><p class="">Read my CARES Act statement below:</p><p class="">Last week, the House passed the bipartisan<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472254-38273853" style="color: rgb(213, 129, 13);" class="">CARES Act</a>, the next phase of Congress\u2019 COVID-19 response. While this was certainly not the last effort to tackle the enormous economic, health, and budget issues caused by this pandemic, it took important, emergency steps to respond to the needs of working Americans, support those who have lost their jobs, and provide for the hospitals and healthcare workers on the frontlines of this crisis.<span class="Apple-converted-space"> </span></p><p class="">While the bill provided remarkable measures to meet the challenge of this moment, I believe more must be done. The bill does not provide nearly enough funding for New York State and New York City to cover the costs they are bearing responding to the pandemic. We have to make sure our state, which is on the frontlines of this pandemic, remains whole in future stimulus bills. In addition, I have long supported<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472255-38273853" style="color: rgb(213, 129, 13);" class="">direct cash payments</a> to help people get through this economic crisis, but the $1200 one-time payment to working families is totally insufficient. I do appreciate my Democratic Senate colleagues for fighting to at least double these payments from the $600 initially offered by Leader McConnell, and I will continue to fight for sustained funding for working families.<span class="Apple-converted-space"> </span></p><p class="">The bill includes short<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472256-38273853" style="color: rgb(213, 129, 13);" class="">moratoriums</a><span class="Apple-converted-space"> </span>on evictions for federally-subsidized homes and foreclosures for federally backed mortgages and provides mortgage forbearance for homeowners and protections for renters. While that covers about half of the housing market, many homeowners and renters will have inadequate protections should they be unable to make rent. Further, I appreciate the work of Senate Democrats to put in guardrails and real<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472257-38273853" style="color: rgb(213, 129, 13);" class="">oversight</a><span class="Apple-converted-space"> </span>for the corporate bailout in the bill, which is a vast improvement from the secret corporate slush fund Republicans initially presented. We cannot make the mistake of thinking that funneling money into massive corporate interests will get us through this disaster.<span class="Apple-converted-space"> </span></p><p class="">What will get us through is supporting working families and funding our hospitals and health care workers. For the millions of Americans who have lost their jobs because of COVID-19, including those not typically covered by unemployment insurance such as contract, freelance, gig, and furloughed workers, the bill provides an additional $600 per week in<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472258-38273853" style="color: rgb(213, 129, 13);" class="">unemployment compensation.</a><span class="Apple-converted-space"> </span>When combined with state unemployment insurance, which my Democratic Senate colleagues fought hard to extend for three additional months beyond the Republican\u2019s initial plan, nearly every American worker will continue to take home roughly the same income during the crisis. The bill also provides significant funding to<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472259-38273853" style="color: rgb(213, 129, 13);" class="">prevent homelessness</a>and help public housing agencies stay afloat as tenants lose income.<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472260-38273853" style="color: rgb(213, 129, 13);" class="">Student borrowers</a><span class="Apple-converted-space"> </span>would be allowed to defer all payments, interest, and principal for student loans through September 2020 and those students forced to drop out when their college or university shut down would not be penalized.</p><p class="">For<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472261-38273853" style="color: rgb(213, 129, 13);" class="">Small Business</a><span class="Apple-converted-space"> </span>owners and nonprofit organizations, the bill provides robust relief, including $350 billion in<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472262-38273853" style="color: rgb(213, 129, 13);" class="">loan forgiveness grants</a><span class="Apple-converted-space"> </span>for small businesses and nonprofits to pay their rent and other costs as long as they maintain their workforce. The bill also provides $10 billion in emergency grants of up to $10,000 for immediate relief of operating costs and enough funding for the Small Business Administration to cover six months of loan payments for impacted small businesses. The bill also provides $25 billion for transit authorities, including the $4 billion MTA requested to continue providing services through the pandemic, as well as funding for the Port Authority, Amtrak, and other critical transportation infrastructure in the Tri-State Area.<span class="Apple-converted-space"> </span></p><p class="">Perhaps most importantly for New York State and New York City, this bill includes a \u201cMarshall Plan\u201d for hospitals providing<span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472263-38273853" style="color: rgb(213, 129, 13);" class="">$100 billion in funding</a><span class="Apple-converted-space"> </span>directly to hospitals to reimburse the massive costs of responding to the pandemic. The bill also provides $1.3 billion for Community Health Centers to care for their patients on the frontlines. To make sure health care workers and essential employees can stay on the job, the bill also provides $3.5 billion for child care for frontline workers, including grocery clerks, pharmacists, and first responders.<span class="Apple-converted-space"> </span></p><p class="">I look forward to working together to support New York State\u2019s and New York City\u2019s incredible efforts to confront this virus, continue supporting working families, and fight this pandemic with every possible resource.</p><table cellpadding="0" cellspacing="0" align="left" class=""><tbody class=""><tr class=""><td valign="top" style="text-align: left; font-family: arial, helvetica, sans-serif; font-size: 14px;" class="">Sincerely,<br class=""><br class=""><img alt="Jerrold Nadler" width="200" src="https://jerroldnadler.house.gov/images/signature.jpg" style="max-width: 700px;" class=""></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="content" width="230" cellpadding="0" cellspacing="0" align="right" style="width: 230px;"><tbody class=""><tr class=""><td class=""><table class="content border" width="100%" cellpadding="0" cellspacing="10" style="background-color: rgb(255, 255, 255); border-left-width: 1px; border-left-style: solid; border-left-color: rgb(221, 221, 221);"><tbody class=""><tr class=""><td class=""><table class="content" align="left" width="100%" cellpadding="0" cellspacing="0" style="background-color: rgb(255, 255, 255); border-bottom-width: 1px; border-bottom-style: solid; border-bottom-color: rgb(102, 102, 102);"><tbody class=""><tr class=""><td style="text-align: center; color: rgb(5, 56, 118); font-family: Helvetica, Arial, sans-serif; font-size: 22px; font-weight: bold; text-transform: uppercase;" class=""><span style="font-size: 14px;" class="">CONNECT<br class=""><br class=""></span></td></tr><tr class=""><td style="text-align: center;" class=""><span style="font-size: 14px;" class=""><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472264-38273853" style="color: rgb(213, 129, 13);" class=""><img alt="" width="35" src="https://jerroldnadler.house.gov/images/email/fb.jpg" class="hoverZoomLink" style="max-width: 700px; width: 35px;"></a><span class="Apple-converted-space"> </span><a href="https://nadler.house.gov/components/redirect/r.aspx?ID=472265-38273853" style="color: rgb(213, 129, 13);" class=""><img alt="" width="35" src="https://jerroldnadler.house.gov/images/email/tw.jpg" class="hoverZoomLink" style="max-width: 700px; 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font-weight: bold;" class="">MANHATTAN OFFICE</span><br class="">201 Varick Street, Suite 669<br class="">New York, NY 10014<br class="">Phone: 212-367-7350<br class=""></span></td><td valign="top" style="width: 200px;" class=""><span style="font-size: 14px;" class=""><span style="text-transform: uppercase; font-weight: bold;" class="">BROOKLYN OFFICE</span><br class="">6605 Fort Hamilton Parkway<br class="">Brooklyn, NY 11219<br class="">Phone: 718-373-3198<br class=""><br class=""></span></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="content" width="700" align="center" border="0" cellspacing="10" cellpadding="0"><tbody class=""><tr class=""><td style="height: 5px;" class=""></td></tr><tr class=""><td colspan="4" style="color: rgb(0, 40, 104); font-weight: bold; line-height: 16px; font-family: arial, helvetica, sans-serif; font-size: 12px; text-decoration: none;" class=""><div style="text-align: center;" class=""><div style="margin: 10px 0px; 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