 Welcome everyone to our fourth and final webinar in the State Heritage Emergency Partnership webinar series. My name is Lori Foley and I'm Vice President of Emergency Programs at Heritage Preservation. Today's webinar producer is program assistant Caitlin Lee with technical backup provided by our Director of External Affairs Jessica Unger. In the lower right of your screen is a questions box and as Kate has pointed out prior to the start of the program we're unable to share the questions box with everyone in this webinar platform but throughout today's session please feel free to post questions there. We'll hold on to those questions and pose them to Mark during breaks in the presentation and if we can't get to all the questions in the time allotted I'm sure Mark will be happy to follow up. In fact I know he'll be happy to follow up and we'll post those questions and answers on our State Heritage Emergency Partnership webinar page. Also if you're experiencing technical difficulties let us know via the question box and we'll work with you via that box to sort things out. This series of four webinars has been made possible by a Laura Bush 21st Century Librarian Program grant from the Institute of Museum and Library Services. Our partner in this project, the Chief Officers of State Library Agencies. Next about this and the other three webinars in this series is posted under webinars on the partnership website. Here our instructors are sharing some great recommended resources and here too you'll find a handout for note taking as well as a PDF of the PowerPoint slides. Soon after the webinar has concluded we'll post a link to a recording of the webinar and then please feel free to share that link with your colleagues and constituents. The webinars constitute just one facet of our State Heritage Emergency Partnership project. We also post information on the project blog that represents news you can use. The blog is also a means to share the accomplishments and yes even the challenges of state cultural and emergency management agencies that are striving to collaborate through their partnerships to move emergency preparedness forward in their states. Not receiving blog posts? That's because you still haven't signed up. Go to the blog at the URL noted. In the right hand column scroll down to the heading follow blog via email. Enter your email address and click on the follow button then look for the confirmation email in your inbox. You'll receive new posts directly in your inbox and we promise not to flood it. If you have any questions about signing up or anything else that's related to the State Heritage Emergency Partnership project please don't hesitate to contact us. And now I'm pleased to introduce today's instructor Mark Randall. Mark has served as a media and public spokesperson for the SBA disaster assistance program nationally, regionally and on a local level throughout the country. He develops and facilitates communications on SBA disaster assistance and disaster preparedness with private industry and federal, state and local governments. Prior to joining the small business administration Mark was a small business owner himself and has experience in the financial and construction industries. The SBA has a wealth of information about emergency preparedness and disaster assistance. The links to these sections of SBA's site are among the resources listed on Mark's webinar page. Mark, thank you so much for joining us today. And before I hand over the controls, let's see who's in our audience today. We're going to have a couple of questions. Okay, let's look at the first question and figure out who actually is constituting our audience today. I am a member of the cultural heritage community, the emergency management community, or another community entirely. Please go ahead and select one. Okay, I think that's not too tough a question. We could probably see what our results are. Okay, so two-thirds of you are from the cultural heritage community, a quarter of you are from the emergency management community, and eight percent of you are from a completely different community. So welcome, all of you, this is a really great representation. All right, our next question has to do with the SBA itself. My organization or agency has used at least one of SBA's services or resources. So please select one of the following choices, yes, no, and I don't know. And I imagine people can answer that question pretty easily as well. So let's see. All right, so most of you, 43 percent, have never used SBA's services or resources. So I think you'll find this an extremely valuable presentation. So now, without further ado, Mark Randall. Hello everyone, and thank you Lori for the introduction, and thank you for the opportunity to speak with everyone about the SBA disaster loan programs. On the slide there, most people are familiar with SBA, Small Business Administration, or they're capital counseling and contracting. They facilitate federal contracting with the government with the small businesses, and they provide counseling for small businesses in the capital formation through their guarantee loan programs. However, there is another aspect of SBA that doesn't present itself until there's a declared disaster declaration. I'm advancing the slide, I believe. There we go. When there's a disaster, SBA's Office of Disaster Assistance comes into action. And through SBA's Office of Disaster Assistance, we go to areas where there's a declared disaster to provide assistance to those that have been impacted by the disaster. Now this assistance is the primary source of federal assistance for private property owners. And that can be, as it states there, homeowners, which be residents, renters, business of any size, as well as private nonprofit organizations. Mostly throughout today's presentation, we're going to focus on the private nonprofit aspect of the program. We'll also hit on the other points because disasters hit there indiscriminate and they affect the entire community. So it's important to have a basic understanding of what SBA's role is to help not only the organizations but their employees, the other residents in the entire community in their recovery. SBA's program is low interest loans. We have two types of loans, first is for property damage. And again, that's for homeowners, renters, businesses of any size, as well as the private nonprofit organizations, to obtain a low interest loan to help them recover, repair or replace their damage to their property. Now this could be their, in the state of the question of a homeowner, their home, their primary residence, their personal belongings, including their automobile, so that'd be for renters also. And for businesses in private nonprofit, their machinery, equipment, inventory, facilities, leasehold improvements, those, that type of damage. For private nonprofit organizations, they are eligible for these property damages, regardless of the size of the private nonprofit organization. The key thing is, is that the ownership, private nonprofit organizations that are owned by a government entity are not eligible for SBA disaster assistance. So that's the key thing there. If your entity is owned by a government entity, then it's not eligible for SBA disaster assistance. If that's unclear, then we urge everyone to come in and to talk with us, because we'll help you determine that, exactly how that is. Sometimes there is a private nonprofit organization that's part of something that actually is a separate entity. So we need to go through the case by case basis to make that determination. The second type of loan is for working capital. We call them economic injury, disaster loans or idols. This is to help meet working capital needs that are caused by the disaster. These loans, again, are available to small businesses, small businesses involved in aquaculture and businesses of any size, excuse me, private nonprofit organizations of any size. These loans are to help meet those needs that disasters cause, and there does not have to be property damage to apply for these type of loans. So if the entity was fortunate and didn't have any property damage, but their income was impacted in some way by the disaster, then there's eligibility for that type of loan. Working capital loans, the key thing here is, again, if the nonprofit organization is owned by a government entity, then the entity is not eligible. If it's a religious organization, it's not eligible for the working capital. However, it still has eligibility as a property damage if it's a religious organization. Some of the things we're going to be talking about today is the declaration process. So how does that happen? What takes place? The types of declaration, SBA's Disaster Loan Program, and preparing for the unexpected. What kind of things need to be considered to be ready and to go forward in case of a disaster. And again, we're going to focus on the private nonprofit aspect of this as we go through. The key thing first is assessing the damages. When there's a disaster, the first thing is to determine what's the extent of the damage. So we encourage everyone to report the damage. Usually it's reported to the local emergency management agency, which could be a county or city agency, but to report the damage. And it's important to have that ahead of time and understand that that is a key factor because the way that works is the information on the damage goes to the county official, then it goes to the state, and then the state determines the contact with the federal agencies, FEMA and SBA, as to if they're going to request federal assistance. So they're communicating with the SBA and the federal resources and the FEMA to determine that. So if there's been any damage or impact, it's important to report that damage or impact to your local authorities. And to try and be specific and just in brief with it, if you had damage to your facility and you just, sometimes you're actually leaving a message, but if you just said, well, we have a hole in the wall, that wouldn't be the kind of thing they want. They want we have a 10 foot hole in the wall or we have a two by four came through the wall. Something specific so they can know the magnitude of the damage because that's going to come into play as they call for these preliminary damage assessments. These damage assessments are to go out and actually verify and document the damage that has occurred. If they request a damage from FEMA, then SBA will participate as well. And in that damage assessment, we will go along. The assessment team from FEMA is looking at different things than SBA is looking at. So that's why both agencies provide different assistance. So it's important that they assess the damage for their assistance programs that they have available. They may request a damage assessment only from the SBA. In that case, and FEMA would not participate generally. And SBA would do the damage assessment with the state and local officials. Again the key here is when the state has made that request that locally they've determined what the damage is and where it is, addresses, what the extent of it is so that when the assessment teams come in, they can go to that assessment and do that assessment and include all the damage and get it done as quickly as possible so if there's going to be assistance or the information that they're collecting can be acted on. One of the other keys is, in keeping in mind how that assessment can be made, and this is for the local officials, sometimes they will determine if the area is flooded and it can't be accessed. Sometimes they can do an aerial. Sometimes they can do other means of doing that verification. And then they do have the old boots on the ground, door to door type of an assessment as well. So it's a very, an attempt to, they want to see all the damage that's there so they can make that determination. Again the types of disaster loans are for physical damage are available and economic injury are available. Both types of loans are available when there's a what we call a presidential disaster declaration. You may have heard the term presidential disaster declaration and the government's all into the acronyms so we have IA for individual assistance or PA for public assistance. If there's a declaration for either one of those, there is eligibility for SBA disaster loans for both economic injury and property damage. Then if we have an administrative or agency declaration, that's the declaration made by SBA and again both the property damage and the working capital loans are available under the administrative or agency declaration. Then there's four other types of declarations, three of those private non-profit organizations have eligibility for it. The Governor's Certification, the Secretary of Agriculture and the Secretary of Commerce. We'll go through those a little bit but again briefly as we go forward. In a presidential declaration FEMA's the, for presidential assistance, FEMA's the lead agency and they're the coordinating agency and they provide assistance under the individual assistance category and under the public assistance category. There's a whole realm of assistance they provide, we're not going to go into that here. That would be something you want to get from them so we're not going to try and go into the program they have at all. They have an extensive program and there's all different levels of assistance available so those are things to be aware of and if there is a declaration for that, generally the individual assistance is for individuals and households, the public assistance is for infrastructure. When the President declares a major disaster for individual assistance SBA disaster loan program is automatically activated. That's for residents, businesses and most private non-profit organizations. When the President declares a declaration for public assistance, this is where it's limited what's available from SBA. SBA disaster loan program is activated for certain private non-profit organizations that provide essential services of a governmental nature. We're going to go into what that is in a little bit of detail so we can have an understanding of that. Under a presidential declaration, private non-profits should contact the state emergency management officials and they will have the information about the public assistance or PA applicant briefings. This is very crucial and very important. Now if your private non-profit organization has had damage and if you reported that damage then they're going to be aware of that and they're going to be aware of when they come and verify the damage. So you're probably going to be in that loop on getting notified about the public applicant briefings. It's important though if not to inquire about that and to get the word out on those applicant briefings. FEMA makes the determination of the private non-profit provides essential governmental services and is a critical facility as defined by law. And again we're just going to touch on this briefly so for the details you need to refer to FEMA.gov and get the information from them. But FEMA generally is considering critical service such as fire, emergency services, electrical, power, water, supply, some irrigation, telephone communications, sewer and wastewater treatment, direct medical, etc. And again it's always best to inquire if there's something that is not covered here and you're not clear about to apply and they will help you. I can tell you this from working in disaster assistance that everybody I've worked with in the federal government and both FEMA and SBA has always been ready and willing to answer all the questions and look if there's any way under the program laws and regulations that we have if there's any eligibility and we will investigate that with you and proceed with your application process and help in that regard. FEMA defines non-critical services as museums, educational facilities, zoos, custodial care facilities, libraries, alcohol and drug rehabilitation centers, community centers, battered spouse programs, homeless shelters, low income housing, shelter workshops, group programs for the needy, senior citizen centers, daycare centers, special needs, etc. And again, same caveat that this is just a guideline and a disastrous scenario sometimes it comes down to a case by case scenario to determine what exactly the eligibility is. A private nonprofit facility that provides non-critical central services that has a governmental nature must first apply to SBA. So if you went to the applicant briefing and FEMA determined that you are not critical, then you apply to SBA and SBA may be able to prove alone. If SBA is able to prove alone and it doesn't meet all the needs, then you may be referred back to FEMA for possible additional assistance. Or if SBA is not able to prove alone, you may be referred back to FEMA for assistance in that regard. Now, if you have an organization that has emergency repair, debris removal, anything of that nature, you can apply directly to FEMA for that. So those type of things, emergency, that's why it's always best to start out with FEMA and again, the more information you have in regard to what damages you and how you've been impacted, then it can be determined what assistance is available to you and what your eligibility is. If you were not eligible for an SBA alone, again, this is just covering that. If you're not eligible, if you're not able to give your own amount, then we refer you back to FEMA for additional grant assistance. So the key here is, and think to remember is, first, make sure that you report the damage to local officials that are collecting that information. You leave the emergency management on a county level. Next, then, if there is a disaster declaration for PA for public assistance, presidential disaster declaration, you need to investigate and look for the public information on the applicant briefings. That's a key point in that regard. Now, under our... Okay, Mark, before we move on, we do have one question and it is... And I actually have a couple of questions, too. So first, can you describe to us what is meant by or give us some examples of essential services of a governmental nature? Okay, those would be services that would normally be or could be provided by a government, and so sometimes the government doesn't provide those services directly. They have a nonprofit organization that provides those services, Meals on Wheels, that type of thing, museums. Anything that's a community resource, a senior center. Many times they have an entity that is not owned by the government, but it's a separate entity that provides those type of services. So those type of services can be provided. And again, that's why if you're providing any kind of community services, really you should investigate and go to FEMA and see where you're going to fall within that if they're essential, if they're critical, if they're non-critical, if they're essential for the public assistance. And that's important on the public assistance declaration. Keep in mind, a public assistance, it's limited to public assistance. So a private nonprofit organization that is not in that category and not providing those kind of services is not going to be eligible under a declaration, a presidential declaration for public assistance. Okay, so we have a couple of questions. One, first referring to the essential services of a governmental nature. So would that be something similar to a community action program, CAP? Yes, and again, it's hard to give an answer on these specifics, but it could be and that's why any organization that's providing community services should really come and apply under a declaration for public assistance to see if there's eligibility. And it will be fully on a case-by-case basis looked at to see if there is eligibility. When there is a declaration, the federal, whether it's FEMA or SBA, we're looking to find eligibility because these aren't discretionary applications. These are whether it's a disaster happened or an impact. So we have the program and the laws that have been given to us and we're looking, okay, how can we find eligibility? Is there eligibility under our program guidelines for this? So it could be that, it's a little hard to, I don't want to go and say it is or it isn't because in some instances it could be and some it couldn't be depending on the detail. And all that has to be determined when we find out the specifics of each situation. Okay, that's great. So that's one lesson for us all. Make sure you have the contact information for your regional SBA person so you can start with those investigations. So I think what you're saying is that non-critical services such as provided by organizations such as historical societies and archives and museums are eligible for loans but they need to apply to the SBA first, correct? And then what happens? Will FEMA automatically turn an applicant over to SBA? If for instance it doesn't, if an organization applies to FEMA and it's not for debris removal or emergency repairs, will FEMA automatically turn that application over to the SBA or will they just reject it or send it back to the applicant? They will refer them to SBA if they're determined that they're not critical services. They will refer them to SBA directly. Okay, great. That's good to know. What he here is too is that they want to apply to SBA and if for whatever reason SBA is not able to approve a loan or not able to meet all their needs then they're going to most likely be referred back to FEMA for possible consideration of assistance. So it's not a you go to FEMA and then you go to SBA and then you're done. If SBA doesn't meet all the needs then there could be additional assistance back through FEMA. And again all this assistance is not able to duplicate any assistance from any other organization. So all the assistance that's divided by the federal government cannot be for the same thing if you have insurance or if you get debris removal from FEMA for emergency debris removal, then we're not going to be able to give you a low interest loan for that. So we can't duplicate. So it's all coordinated to make sure we don't duplicate the assistance. Great. Okay, that's all for the questions for now and I'll let you get back to your presentation. Okay, now under an IA or Individual Assistance Disaster Declaration both SBA's program for property damage and for economic injury are automatically activated. And under this scenario it's a little different than under a public assistance declaration because the public assistance declaration remember the only entities that are available that are available to or private nonprofits that are providing governmental services. So under an IA this declaration now it's nonprofits whatever they're providing for the most part. Now there's a little bit of a difference in eligibility in IA and PA decorations. And the Individual Assistance Declaration and as best to show this with a map you see on the left side of the screen in the Individual Assistance Declaration if the primary county declared was Eureka in this case then that is where SBA's program for property damage and working capital loans is available. In addition the neighboring or contiguous counties which are shown in green here are also eligible for the working capital loans. Reason for this being that there could be disaster don't know county lines and there could be an entity in one of the neighboring counties so the neighboring counties have eligibility for working capital loans. On the right side the Public Assistance Declaration the only place that is eligible for the private nonprofits for SBA disaster loans is the actual but third county which is in this case Eureka. Now once again there may be an additional declaration for one county Eureka County and as they get more information there could be an amendment to that declaration they could add on account. So again it goes back to that if you are a private nonprofit organization that have been impacted to report your damage to county emergency management officials whatever county you're in. So they have that information they can determine and then if that gets to a level or they can have a survey there and then they can be included or apply to be included in the declaration. So again that's key is getting that information to them and so they have an accurate picture of what the information what damage has been done. Now in smaller disasters the state and come to SBA and SBA makes an administrative or agency declaration this activates both SBAs physical and economic injury disaster loan program and again for all the same for the homeowners, renters, businesses and private nonprofits of any size for the property damage and small businesses and private nonprofit organizations for the working capital. Now what SBA needs to do this is SBA is going to go out to document the damage and we need to find at least what we would term major damage to at least 25 homes or businesses and businesses would include private nonprofit organizations where there's at least 40% uninsured property loss or damage and that could be if it was an apartment building then all the belongings for those individuals in the apartment building were lost that could be considered a major if they did not have insurance if they lost all their belongings. So it could be based on their personal property if they're a renter or based on the primary residence if it's a resident or a business or a private nonprofit organization. 40% of the pre-disaster fair market value of uncommensated or uninsured losses. That's what we're looking for and we can have an agency declaration that's within the county or the jurisdiction of that area. That's on a county basis. So again, it goes back to reporting all the damage and getting that in there so they have a picture of the damage where to go and to find out about the damage and again SBA property damage and economy here both available in the contiguous counties as well. So an agency declaration, we've got to show that with a map. An agency declaration on the left hand side if we had Eureka County declared for an SBA agency declaration all the neighboring or contiguous counties would have eligibility and all the private nonprofits in those counties would have eligibility for both property damage and economic injury. Unlike in the presidential declaration for individual assistance where it's the only place for property damages in the actual declared county. So again, there's no cost or obligation to applying to FEMA and registering with FEMA and applying to SBA. So we really encourage everyone to register with FEMA and if they're referred to SBA from FEMA then to apply to SBA to find out what is available to them. I was telling a lawyer's story earlier about when we're out in disaster in Clare Darian when we meet with folks and we're talking with them and I'll tell them now I'm gonna be here in three or four months from now I'll meet with you again and those three categories you'll say, I remember you told me to apply to SBA even though I didn't think I needed it. Well, I did apply to SBA and I was approved but luckily I didn't need it and that's okay, that's a good outcome. The next category will be, I know you told me to apply to SBA but I felt my insurance would cover everything I thought it would be okay but it didn't work out and I needed it and luckily I applied like you recommended and I needed that. That's a good outcome. The third outcome is not a good outcome where it's, I know you said to apply but I just really didn't think I needed it but then something come up and now I need it but there's a deadline to apply and it's past the deadline to apply. So again, it's really important to seek the disaster assistance we have many times in a disaster people will say, well there's other people who are soft than I am so I don't want to apply because I want them to get the assistance and that doesn't, isn't applicable in the federal assistance program. You're not going to be getting assistance and someone else is not going to get it because you got it. If you're eligible and you can apply whether you accept the assistance or you accept the SBA loans up to you you have plenty of time to determine that but it's good to have that in your planning. A lot of times we've had instances where people have applied and they thought that they would be able to overcome the disaster on their own resources and then something happens in their personal situation, financially there's something to happen and they're just not able to do what they thought they were able to do. Well it's nice to have the SBA disaster loan as a backup if they need that. So it's just another tool to be able to have in your planning, in your recovery. Economic injury disaster loans are available to meet the needs caused by disasters even if they didn't have physical damage. So that's another important aspect of it. You may have been impacted by the disaster but you're lucky to have no physical damage but all your customer did and that may not manifest itself right away. You may not know that so it's good to apply if you think you're okay because you may not know how long you're gonna be impacted economically. Now the working capital loans we don't make a loan for lost sales or lost profits but we make the loan for needs caused by the disaster. Overhead expenses, payroll, those type of normal operating expenses that the entity or business or nonprofit would have been able to pay had the disaster not occurred. And I'm gonna go through these really quickly under this economic injury disaster declaration there's a governor certification where this could be where there's a bridge out a mudside something where impact of an area and there's at least five businesses that were impacted economically. So there again reporting the damage to your local county officials and they'll determine if they can request this type of declaration. And if that declaration made then the economic injury disaster loans are available to all the small businesses private non-profits, agricultural cooperatives. Under the next type of declaration is the secretary of agriculture. When the secretary of agriculture makes the declaration for the farming industry for drought, excessive heat, snow rain, whatever it is we mirror that declaration and the USDA declaration covers the farming industry and their businesses. SBA that declaration covers a non-farm community with the non-farm small businesses and again includes private non-profit organizations that were impacted either directly by the incident whether they freezing or whatever the freezing for the declaration was or if they were impacted because they're dependent on the farming industry for their revenue. And the next one quickly the secretary of commerce it's not rare and generally there's a fishing failure. And again the same economic injury working capital loans are available under that program. Spent a lot of time with that. And then the last one I'm gonna go over this. This is the military reservist idle and this is if you have a small business and someone a key person in that business is called up to active duty then the business may be eligible for a military reservist economic injury disaster loan. So that's again not for non-profits but that's just something to know if you know anyone that's in that situation. SBA has a lot of powerful tools to help make disaster recovery affordable because this is not a discretionary type situation in business trying to recover. For low interest rates long-term up to 30 years refinancing may be available in some instances. We have these are interest rates recently posted. We have two rates the what they call no credit available elsewhere which is a little bit of a misnomer. Basically if you had very little damage and you have a lot of cash flow and a lot of assets and you essentially don't need a disaster loan then you're gonna pay the credit elsewhere. For non-profits it's the same rate either way but most of our loans are made at the lower rates. For homes we can loan up to $200,000 to repair a place of primary residence, 40,000 for personal property including vehicles and up to 200,000 for refinancing and we can increase the loan up to 20% of the verified loss to provide measures that will prevent the same type of damage from occurring again. For private non-profits they fall in the business loan category it's up to $2 million for machinery equipment, furniture fixtures and up to $2 million for economic injury or working capital. The combined loan limit is $2 million however so that could be a combination of either one of those. We're looking for eligibility as the entity in the declared county credit history. There we're looking for essentially is there two things, is there a reasonable assurance that there'll be repayment of the loan based on the credit history or the current obligations and is there sufficient cash flow to afford the new loan? The loans are direct from the federal treasury so these aren't guaranteed loans so we have a dual stewardship to disaster victims and applicants as taxpayers as well as disaster applicants and providing a reasonable assurance that the loans will be repaid. Only uncompensated losses, again, if there's insurance. Now what we do though is again we urge people to apply early because there's been many times when we've proved the loan, dispersed the loan, people have rebuilt while their insurance is still pending. When the insurance comes in it's used to reduce the amount of loan or pay off the loan and any compensation that's received that's a duplication of what we've loaned for has to be applied to the loan. So many times if there's other things that come available then that money's used to replace it. You don't have to wait till the insurance settles though, you don't have to get a contractor's estimate. The best thing is apply for the loan and as you're going through these other things you can find out if you're gonna need a loan and then maybe things will get settled, you won't, maybe you will and then when you get the money from insurance or other recovery you can pay down the loan. If there's a previous SBA loan agreement that has not been met then that makes that money ineligible. We determine the term and the repayment based on each borrower's financial billy. So it's gonna be based on what the cash flow is and how much that cash flow can afford and allow money for other continuities and unexpected repay the loan. The payments are deferred on the SBA disaster loans till, in the case for business, till the business is back to normal if they've had an economic injury. So we're not gonna give you a loan for working capital and then have you start paying it next month. It's gonna be when you get back to normal in your sales. So there's a deferral payment. The interest is simple interest. There's no fees or points, there's no application fees to apply. The interest is only charged on the amount that's dispersed as you receive it. So it's very beneficial terms to the borrower. Some of the businesses aren't available or multi-level with sales organizations, hobby businesses, speculative businesses, and there's others, I'm gonna go through all of them right here. There is refinancing available in some aspects. Again, if there's substantial uncompensated loss, so after insurance and other compensation, if there's substantial losses, then if in order to make that loan, we need to refinance part or all of the existing mortgage, then we're gonna look at that and say, can we make this loan? Now, that has to have the lender's agreement to re-amortize if we don't pay off the entire loan to re-amortize the remaining balance on that loan. And again, it's all made looking to make it affordable to repay the loan. We do require collateral if it's available, but we do not decline a loan because there's no collateral. So if there's collateral available, for physical disaster loans in an agency declaration, any loan over $14,000 is required to have collateral if it's available. And 25,000 for presidential declarations for property damage. For working capital loans, it's 25,000 in either type of declaration and collateral is required. The loan process, that's all determined as you're going through it and you're told what you need as you go through it. There's a slide on that. Give you the 14,000 for the agency and 25 for individual assistance. I would just like to relate one thing too, as far as the standpoint of the, what we've learned from businesses that have been impacted in communities is that one thing that really helped in the recovery is getting back to normalcy. And some people may not think that, they may think there's other priorities. We had an applicant, three people that were gonna start a gymnastics business in Joplin. And they were actually doing some final touches when the tornado hit there a couple of years ago. They hadn't opened yet, they were gonna open a week and a half. And Life Long Green opened this gymnastics school and their building was flattened and they lost everything. And so they were pondering whether to go into business or not, they didn't know what people are recovering. They were thinking how people probably won't wanna be rolling their kids in gymnastics and they went through a whole process. And then in talk to the community, they found out that if there wasn't even through an SBA loan disaster when they were able to refinance the business and open the business and they, it was a remarkable success because they had had 10 employees, they ended up increasing to 23 employees. They met their three-year goal in the first year and a half they were in business. It was just phenomenal what they did. And it was just on the community desire to have some normalcy in the community. I think this comes over into the private non-profit area and as far as having libraries, museums and community resources, being able to say, let's walk over, let's drive over to one of the community resources. Getting back to normalcy is a great help to recovery in the community, both from a physical as well as emotional and the standpoint. So it's a good thing to try not to lay a recovery and if you're gonna, and that's why you wanna apply and find out what resources are available and then move forward with recovery and it's not only gonna help the entity but the community as well. Okay, the infrastructure. Mark, we have, oh, go ahead. Well, go ahead. Just a point of clarification. In a presidential declaration, if the application is rejected by SBA and the questioner said has in parentheses FIT, does a non-profit become eligible for FEMA grant dollars? Well, the FIT is generally for individuals and households and that generally needs a failed income test. So that would be generally individuals and households. If there's a disaster declaration, presidential disaster declaration for individual assistance, when the person applies the FEMA, they're gonna ask how many people are in the household and what's the household income. And then they have a scale and if they look at that scale and say for this number in the household and this income, it doesn't look likely that they're gonna be able to afford a disaster loan. So they're not gonna refer to SBA in that situation. But that's again, for individuals and households. So they're not gonna get referred to SBA. Now they can still come and apply to SBA and we can take a look and see but that's just an expedited process to try and determine if this household is not gonna be able to afford a disaster loan. They don't want to have them to go apply when from the information they have of number in the household and income for the household, it's very unlikely they're gonna be able to get approved for a disaster loan. If there's a rental property by the household or a small business in the household, some other aspect as non-cash item on a tax return then they'll need to go ahead and go through the SBA disaster process. So that FIT is normally in that regard. Now if a non-profit is applying to SBA and they're not approved for a loan then they can ask for reconsideration. So if we have declined for whatever reason, we're gonna provide a letter that says this is a reason for our decline and you have up to six months to ask us to reconsider that application. So maybe it was a matter of there was something in this on a credit report or done at Brad Street or there was something that could be overcome. Because again we're looking for repayment, ability and establishing that. So that's saying if there's additional information we can reconsider this. But the FIT is generally not a term that I think would be associated with a private non-profit. Private non-profit would register with FEMA and be referred to SBA directly. Thanks Mark. And that brought up a question in my mind. What about people who are self-employed like artists? Can they apply to SBA as a small business even though it is just they themselves? Yes, yes. Any small business can apply. And again I'll give you an example. We had a lady that was making shirts and printed shirts and she was doing it out of her residence and was flooded and so she applied for an SBA disaster and we gave her an SBA disaster for inventory. She lost her inventory. So any business that's finding a tax return as a business. Now if it's a hobby that someone's just doing and they're not a profit motive or they just like to do it and the internal revenue service has certain rules to govern a hobby business or not a hobby business. But if it's a hobby it's not covered. But yeah, any small business of any size so it can be a one person operation, a sole proprietor, a limited liability company, a partnership, corporation, a rental property if a person owns a rental property and that rental property is considered a business and they can apply it in that regard. Great, okay, thank you. No more questions for now. Okay, we're gonna require insurance on the collateral. It's not gonna, and that's just if there's the hazard insurance if whatever is applicable for the area. And then also if it's in a flood zone we're gonna require flood insurance. All right, so the damage we'll do to flood there's gonna be a requirement for flood insurance. Because again, it's not gonna help someone to have the same thing reoccur. You just can't put a loan on top of a loan to repair the same type of thing. So we're gonna require that flood insurance. That's a beneficial thing to do. Next I'd like to go over our website and some resources we have on our website. If you go to our website and I'll use the pointer up on the top there. It says local assistance. If you click on local assistance it'll have a number of resources you can look for and click on something in your area. And if you go down on the right hand side down or you can see disaster apply online or information and if you click on that link there it'll take you to the next screen coming up. Where it has all the different types of loans and information. So it has the little icons in the center and then down the left side it lists. If you wanna know if there's a disaster, current disaster in your area you can click on the current disaster declarations and then there by state you can find out what the declarations are currently open. It has a lot of information there on specifically on disaster loans and type of disaster loans. It has a place where you can download the forms. So you can get the actual application forms and put them on there. It's a great resource on our website. If you type in emergency preparedness you can look up that as well. We'll go into that a little bit later on. When you get to the application there's three ways to apply. We're actually gonna, you can apply online off of our website on a secure line. You can apply in person with a representative at a center that we establish in the area or you can apply by mail and they will pay for application it. When there's a declared disaster applying online is gonna be the quickest. All the applications are processed in one center for the whole country and they're processed in the order received. So if you have been in a disaster you wanna apply as early as possible get line as soon as possible to find out if we're gonna be able to move forward with your application. We're gonna establish either if it's a presidential disaster declaration there'll be disaster recovery centers or local assistance centers, federal and state centers where FEMA will be. We will be wherever FEMA is at in that regard for individual assistance. If it's an agency declaration we'll establish the SBA Disaster Loan Outreach Centers. And if there's a business community that's been impacted to a large degree we'll set up a business recovery center. So in these centers we're gonna have people there where people can come in and meet with people individually one on one and we'll answer all their questions help with the application we have now actually set up computers in these facilities so where you can apply right there online check everything out, push a button and your application is into the processing mode so it can activate that process for you to get into the system and get your application rolling in that regard. Again you can mail the application that information's gonna be on the application as well. Once you've applied that's the first step for the process. Next step is we're gonna verify the property and we're gonna make a loan processing decision. We're gonna make you the loan or not. We actually will have a verifier come out to verify what it's gonna cost to repair and replace your property. That's gonna determine the starting amount of the possible loan, what it's gonna cost. Now that amount is gonna usually change in all instances because it could be more, it could be less. Do the other recoveries or do the hidden damage. So that's just a starting point to see if we can prove you for that loan amount. Modification of that amount is almost all the time made. So there could be several modifications as we learn more information. Then we're gonna close the loan. Again you can do it at one of those centers. We'll have people there where you can go actually into the center there over all your own documents. It's itemizing out what the money is to be spent for to repair, replace, how it's gonna be spent. Money is dispersed as a construction loan. The funds are dispersed to go through that process. Filing deadline is 60 days from the date of declaration. And in most cases, it can be extended under a presidential declaration. A FEMA determines if they need to extend that. They can extend that and for larger declarations as needed they will. Defining deadline for economic injury loans. And this is whether it's a presidential for individual assistance, for public assistance. It's nine months. And that's because it may be a longer time to manifest the actual economic injury. Again, that's why it's important to apply as early as possible. Another great disaster assistance I wanna put this. One of the things that we do when we open up these business recovery centers is we pair up with our business resource partners the Small Business Development Center, SCORE, the Women's Business Centers. And they provide a free service to help people that have been and help businesses that have been in a disaster. And this is for small businesses. So I'm not gonna touch a lot on this but it is a good resource if you are aware of any small businesses that they'll help them at these centers to maybe rethink their marketing, reorganize how they're doing things to recover from the disaster. It's a real good source of recovery help for our businesses to overcome the disaster. And SBDC was one of the counseling entities that helped the gymnastics company in Joplin. This is their websites and they're also on our websites when you go into that website where you can find the wires on the local assistance. It has a link to all these so you can get those from right there also. And then lastly I just wanna talk about a few things. Be ready, be proactive. Plan to survive a disaster and recover. These are important aspects of a disaster. Be ready, be proactive and plan to survive and recover. And that takes a little bit of planning ahead of time. Prepare for the unexpected. There could be roads cut off, freeways cut off. There could be communications down. You don't know how your area's gonna be impacted. A little bit of research is to let your prone to in that area can help with what disasters are more likely depending on the part of the country you're in. Hell out there. If you haven't been flooded, you have to put a dryer in. If your records are all flooded, you're not gonna be able to contact your customers, your vendors, you're gonna store records away. And one of the big key things is insurance coverage for your buildings, the contents of the buildings and business interruption. Always good to review that and to find out what's available. Another key thing for private non-profit organizations is if you have one person that's kind of heading this all up, their home may be flooded. This is the kind of scenario they may be looking at at home. You need to, again, be prepared for the unexpected that it could be a scenario where a person that had all the answers is pretty busy in their own personal life. So have contingency plans and plan again to continue. We've got back to our website. If you put an emergency preparedness, we've got all kinds of links where you can go in and all kinds of aids to prepare a plan, prepare a continuation of operations plan and continue on with your business or your organization. Plan to stay in business. Prepare for the unexpected and report damage and apply for all available assistance. These are kind of some of the key points. Thank you for your time. And if anyone has any questions, the best and most direct way is you can call our Disaster Customer Service Center, National Office, at this number, you can email them or you can go to our website. But if you want to contact someone and know what's resourced or available in your area, you can call them. They can also tell you what disaster decorations are in your area or if you need to contact someone about disaster preparedness information. One of the field offices, we have two field offices that cover everything in the United States. One in Atlanta that covers everything east of Mississippi and then one in Sacramento that covers everything west of Mississippi. But this one number and this one contact and your most direct contact to SBA Disaster Assistance at whatever level you need. Thank you again for the opportunity. Appreciate it. Okay, Mark, I think that was really comprehensive. For any of you attending, you're most welcome to think about questions. We still have time and Mark is available. So here's your opportunity to think of some other questions. In the meantime, I have a last item I'd like to share with you. You'll soon be receiving an email that contains a link to a brief seven question evaluation. And for those of you who have attended previous webinars, you'll be quite familiar with the format. So please click on that link in that email. You'll receive and complete the survey for us by December 17. As I mentioned at the top of the program, this webinar series is brought to you by the generous support of the Institute of Museum and Library Services. Your response to the evaluation can demonstrate the value of the programming and your feedback can really help us garner future support. And if you missed any of the four webinars, you can view the archived recordings on the State Heritage Emergency Partnership website, the URL which appeared at the top of the program. So let's see. I don't see any other questions coming up. I would like to make a final plug for a publication that Heritage Preservation worked with FEMA on and with funding from the Institute of Museum and Library Services as well as the National Endowment for the Arts. And it's a booklet with the very cumbersome but very descriptive title of Guide to Navigating Federal Emergency Management Agency and Small Business Administration Disaster Aid for Cultural Institutions. And this link is listed among the resources that accompany Mark's webinar on his webinar page site. And we are currently getting it updated. Mark, thank you very much, is the one who's updating the components about the SBA and we have someone from FEMA Public Assistance updating the sections that relate to public assistance. And so that booklet is one that would be really helpful for you to review. It's not exactly great reading, but it's very important reading because it helps you prepare for the inevitable. And when disaster strikes, not if you'll have an awareness of what kind of paperwork and documentation and the steps that are involved as certainly as Mark has outlined them today. So let's see if we have any other questions. I don't see any. So Mark, you must have been quite comprehensive. I certainly learned a lot. There are many more opportunities for disaster aid than I was aware of, so thank you very much for pointing those out. Thank you, Kate, for keeping your eyes on the many monitors and thank you, Jess, for your behind the scenes support. And thanks to all of you who logged in today. If you've missed any of our four webinars, again, you can revisit them on the SHEP website. So Mark, thank you so much for your attention to this and for your explaining so much and providing so much information. Happy holidays to everyone and goodbye.