Presentation by Webster Bank at the May 27, 2011 REDFO Meeting.

1. Access to Capital Robert F. Polito Jr., SVP Director of Government Guaranteed Lending rpolito@ websterbank.com 860-612-5433

3. Tips Prepare an executive summary : Educate your banker. To be your advocate, your banker needs to know all about your business, including its history, ownership, business operations and industry. Many bankers are generalists. They know a little about many industries. Educating them on the specific of your business and market niche means they can knowledgeably advocate for your loan request, giving the bank and its underwriters the confidence they need to approve your loan request.

4. Tips Demonstrate adequate cash flow : In every case, a bank will analyze the business’s ability to repay the debt that has been requested. If the business can’t repay the debt based on historical financial statements, are there projections with underlying assumptions that indicate the ability to repay in the future? Are the assumptions reasonable and grounded in fact? Banks want to know you have adequate cash flow not only for day-to-day operations but also if you encounter a setback or unexpected expenses.

12. Cash Cycle-Long Term