; (B) the number of employees that the small business startup intends to employ on an annual basis; and (C) information that demonstrates that the small business startup has the potential for success. (4) Publication of distressed areas The Administrator shall identify and make publicly available on the website of the Administration a list of distressed areas. (5) Loan deferment for founders and full-time employees of a small business startup (A) Application In order to be approved by a small business development center for eligible Federal Direct Loan deferment under subsection (f)(5) of section 455 of the Higher Education Act of 1965 ( 20 U.S.C. 1087e ), a borrower of an eligible Federal Direct Loan shall submit to the small business development center an application that includes such information as the Administrator may require. (B) Requirements A small business development center shall approve a borrower who applies under subparagraph (A) for eligible Federal Direct Loan deferment if the small business development center determines that— (i) the borrower is, as of the date of the application, a founder or full-time employee of a small business startup that is certified under paragraph (3)