KIDDIE ACADEMY - FDD UFOC ITEM 10 Detail

Item 10 FINANCING

_TWe do not generally offer direct or indirect financing to any franchisees.^Further^we^do^^ not guaranty your notes, leases or other obligations to third parties.� We may assist you in contacting lending institutions and in the preparation of applications to lending institutions at no additional cost to you. Kiddie Academy franchisees are eligible for expedited and streamlined Small Business Administration (SBA) loan processing through the SBA''s Franchise Registry Program (Frandata) and ,we can assist you in finding an SBA lender suitable for your needs. ₍ and^yr. affiliates, do not receive; any direct or jn^ with any third party.

Your ability to obtain financing from third parties will depend on a variety of factors, including your own credit-worthiness, the type of collateral you can offer, the policies of the lending institutions vou choose, and the availability and cost of commercial credit generally. You may not be able to obtain a loan.