; and (B) providing loans to community investment institutions— (i) that are interest-free loans; (ii) that have a loan term of 5 years; and (iii) with respect to which no loan payment is required until at least the end of the 6-month period beginning on the date the loan is made, or such longer term as the Secretary may determine appropriate. (2) Application date The Secretary shall begin accepting applications for capital investments and loans under the Program not later than the end of the 10-day period beginning on the date of enactment of this subsection. (3) Community Investment Plan At the time that an applicant submits an application to the Secretary for a capital investment under the Program, the applicant shall— (A) provide the Secretary with a Community Investment Plan that specifies how the applicant intends to use the capital investment or loans made available under the Program to provide loans and forbearance for small businesses, minority-owned businesses, and consumers, especially in low-income and underserved communities; and (B) include with such application an attestation by the applicant that the applicant— (i) does not own, service, or offer any financial product at an annual percentage rate of more than 36 percent interest, as defined in section 987(i)(4) of title 10, United States Code