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Investor Presentaiton

• Ohio Water Development Authority FEDERALLY AUTHORIZED SRF PROGRAMS Overview of EPA Programs EPA program subsidized loan rates provide a strong incentive for extensive participation by communities throughout the State • The EPA programs consist of the Water Pollution Control Loan Fund (WPCLF), which is the Clean Water SRF, and the Drinking Water Assistance Fund (DWAF), which is the Drinking Water SRF. The WPCLF was created in 1989, and the DWAF was created in 1998 • The WPCLF and the DWAF are subsidized rate programs • The Standard Long-Term Rate is reset monthly - Average of the previous 8 weeks of the Bond Buyer 20 G.O. Index less 125 basis points - Certain borrowers may qualify for a loan with an interest rate lower than the Standard Rate • Some or all principal may be forgiven on certain loans to disadvantaged communities ⚫ EPA program loans may not be repaid prior to maturity 12
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