NATURAL CAPITAL INVESTMENT FUND INC CO THE CONSERVATION FUND
PO BOX 839, CHARLES TOWN, WV 25414 www.ncifund.org

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Organizations Filed Purposes: FOCUSING ON ECONOMICALLY DISTRESSED AREAS, NCIFUND CATALYZES ENVIRONMENTALLY SUSTAINABLE DEVELOPMENT BY PROVIDING AFFORDABLE, FLEXIBLE CAPITAL AND ADVISORY SERVICES TO SMALL AND EMERGING BUSINESSES THAT CREATE EMPLOYMENT. THROUGH ITS BUSINESS SUPPORT, FIELD BUILDING AND POLICY ACTIVITIES, NCIFUND EMPLOYS A HOLISTIC APPROACH TO ADDRESS THE COMPLEX, INTERWOVEN ISSUES INHERENT IN POVERTY ALLEVIATION, RURAL DEVELOPMENT AND ENVIRONMENTAL SUSTAINABILITY. AS A PRACTITIONER OF SUSTAINABLE DEVELOPMENT, NCIFUND DEMONSTRATES METHODS THAT HELP BUSINESSES, INDIVIDUALS AND COMMUNITIES ACHIEVE TANGIBLE CHANGES THAT RESULT IN ENHANCED PERSONAL OR COMMUNITY ASSETS.

THE NATURAL CAPITAL INVESTMENT FUND ("NCIFUND") IS A CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION THAT PROVIDES FINANCIAL AND TECHNICAL ASSISTANCE TO SUPPORT DEVELOPMENT OF NATURAL RESOURCE-BASED BUSINESSES.

LENDING PROGRAM: NCIFUND IS A SPECIALIZED, NICHE LENDER FOR START-UP AND EARLY STAGE SMALL BUSINESSES IN UNDERSERVED MARKETS. THE PRIMARY GOAL OF ITS LOAN PROGRAMS IS TO CREATE OR RETAIN FULL-TIME PRIVATE SECTOR JOBS. NCIFUND PROVIDES MICROLOANS IN AMOUNTS FROM $1,000 TO $50,000 AND BUSINESS LOANS SIZED FROM $50,000 TO $750,000. NCIFUND IS APPROVED AS A UNITED STATES DEPARTMENT OF AGRICULTURE (USDA) BUSINESS & INDUSTRY (B & I) GUARANTEED LENDER, GIVING IT THE ABILITY TO PARTICIPATE IN TRANSACTIONS UP TO $2.5 MILLION.NCIFUND'S BUSINESS CLIENTS ARE PREDOMINANTLY LOCATED IN ECONOMICALLY DISTRESSED RURAL COMMUNITIES AND ARE UNABLE TO ACCESS CAPITAL FROM TRADITIONAL SOURCES. TARGET SECTORS INCLUDE, BUT ARE NOT LIMITED TO: ENVIRONMENTAL SERVICES, LOCAL FOOD SYSTEM INFRASTRUCTURE, HERITAGE AND RECREATION-BASED TOURISM, VALUE-ADDED AGRICULTURE, RENEWABLE ENERGY, ENERGY EFFICIENCY, RECYCLING, WATER CONSERVATION AND TREATMENT, SECONDARY FOREST PRODUCTS, NATURAL MEDICINES, GREEN BUILDING, CRITICAL COMMUNITY SERVICES, AND TECHNOLOGIES THAT SUPPORT THE SUSTAINABLE USE OF NATURAL RESOURCES.NCIFUND PURSUES TRIPLE BOTTOM LINE (TBL) SMALL BUSINESS DEVELOPMENT AS A MEANS TO RESPONSIBLY CREATE WEALTH IN DISTRESSED COMMUNITIES. SMALL AND MID-SIZED BUSINESSES CAN DEMONSTRATE THE VIABILITY OF UTILIZING NATURAL ASSETS RESPONSIBLY, WHILE OFFERING OPPORTUNITIES IN LOW INCOME COMMUNITIES TO BUILD WEALTH THROUGH THE CREATION OF LIVING WAGE JOBS WITH BENEFITS AND SKILL BUILDING OPPORTUNITIES. WHILE NCIFUND SPECIALIZES IN FINANCING TBL COMPANIES, IT RECOGNIZES THAT ECONOMICALLY AND ENVIRONMENTALLY HEALTHY COMMUNITIES REQUIRE A DIVERSE RANGE OF BUSINESSES AND SERVICES, SO NCIFUND EXPANDED ITS WORK TO INCLUDE CRITICAL COMMUNITY INFRASTRUCTURE.

STRATEGIC INITIATIVES PROGRAM: NCIFUND'S STRATEGIC INITIATIVES USE TARGETED FUNDING AND PARTNERSHIPS WITH SMALL BUSINESS-RELATED OR SECTOR-SPECIFIC COMMUNITY PARTNERS TO DEVOTE ADDED RESOURCES TO PARTICULAR SECTORS OR CONSTITUENCIES WITHIN NCIFUND'S STATED MISSION. THESE INITIATIVES FREQUENTLY COMBINE NCIFUND'S LOAN CAPITAL WITH A) TARGETED BUSINESS ADVISORY SERVICES AND/OR B) GRANT FUNDING FROM PARTNERS IN ORDER TO ENSURE BORROWER SUCCESS AND "BUY DOWN" THE COST OF CRITICAL INFRASTRUCTURE OR SERVICES FOR THE CONSTITUENCIES NCIFUND SEEKS TO SERVE.

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