2011 Lenders Forum September The Graduate Club, New Haven CT

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2 Lender 2011 Lenders Forum September The Graduate Club, New Haven CT Contact/Guest 1 Bibby Financial Rob Meyers 2 Brookridge Funding Michael Hilton/David Helmes 3 Capital Business Credit John Canfora 4 Citibank John Raleigh/Bill Mcandrew 5 ColeTaylor Business Capital Mark Becue 6 Diamond Business Credit David Lawrence/Charlie Ciovacco 7 First Niagara Andy Mozer/Mike Winchester 8 MidCap Business Credit Seth Cooper 9 Muneris Tim Peters 10 Rockland Trust Michael Pandolfi 11 Rockville Bank Stephen Villeco 12 Stamford First Bank Robert Hagan 13 Summit Financial Ralph Aurelia/Walter Chudowsky 14 TD Bank Christopher Rallo 15 US Bank Dan Corcoran 16 Wells Fargo David McIlroy

3 Contact Name Brookridge Funding Michael Hilton Contact Address 26 Mill Plain Road Danbury CT Contact Phone Contact Mainly purchase order funding some factoring Maximum Credit Limit $10,000,000 Preferred Hold Size $100,000 and up US and Canada Must be a product for PO funding, not a service Construction, medical claims and frest foods 5 to 10 working days lock box and personal guarantees

4 Contact Name Robert Meyers Neil Wolfe Contact Address 1400 Opus Pl, Suite 250. Downers Grove, IL Ft. Lee, NJ Contact Phone E+09 Contact Domestic and International Factoring along with PO financing Maximum Credit Limit 10 Million Facility Limit Preferred Hold Size 5 Million Facility Limit Anywhere in US or Canada, along with 12 other countries from including India, UK, Ireland, France, Poland, Germany. Australia, Hong Kong, Apparel, Temporary Staffing, Manufacturing, Distribution, Wholesale, Automotive, Export Construction and 3rd party Medical receivables 1.5MM Facilities and under within 10 days, larger facilities days. Lockbox No-covenants Looking for PG's, however, will consider Validity Agreements where required

5 Contact Name Peter Provenzale Contact Address Capital Business Credit LLC 1700 Broadway NY, NY Contact Phone office cell Contact ABL -$2-20million outstandings Trade Finance-Supplier Early Payment Program Factoring-Minimum volume as low as $1million Maximum Credit Limit $20million Preferred Hold Size $2-12million NONE Manufacturers, Distributors, Importers Construction, Retainages or Progress Payments, Hi-Tech Inventory days if Revolver only no covenants, Cash Dominion, Borrowing Base as needed, PGs on a case by case basis

6 Contact Name John Raleigh, SVP William McAndrew, SVP Contact Address Citibank, N.A. 750 Washington Blvd Stamford, CT Contact Phone Contact Maximum Credit Limit Preferred Hold Size Bank $50MM $15-25MM CT/Upstate NY and Westchester None Usual 7-10 to commit; up to 30 to close Need collateral coverage and other banking services (deposits etc)

7 Contact Name Mark Becue Contact Address One Stamford Plaza, 263 Tresser Blvd., 9th Floor, Stamford, CT Contact Phone Contact Asset Based Lender Maximum Credit Limit $50,000,000 Preferred Hold Size $5,000,000 - $20,000,000 USA Manufacturing,Wholesale, Distribution, Service, Retail Consumer Receivables, Construction/Progress Billings, Healthcare, Finance Companies 45 to 60 days Borrowing Bases, Lockbox, Covenants. Personal Guarantee on a case by case basis.

8 Contact Name Charlie Ciovacco Contact Address 200 Ledgewood Place, Suite 100 Contact Phone Contact ABL Maximum Credit Limit $1,500,000 Preferred Hold Size $1,500,000 New England, New York, Pittsburgh, Philadelphia, Baltimore & Greensboro, NC None Contractors without side collateral One week Fully followed lines of credit, lock box & personal guarantees

9 Contact Name: Andrew H. Moser, SVP, Head of Asset-Based Lending Contact Address: 3 Allied Drive, Suite 210 Dedham, MA Contact Phone: Contact andy.moser@fnfg.com Type of Lender: Maximum Credit Limit Preferred Hold Size Asset-Based $40MM Direct, $100MM Syndication $5MM-25MM Able to lend throughough North America, Focus primarily east of the Mississippi Manufacturing, Retail, Wholesale & Distribution, and Service Companies High-Tech, Restaurants, Bio-Medical Days to funding, Initial indication of interest within 5 business days or less Flexible depending on situation

10 Contact Name Seth Cooper Contact Address MidCap Business Credit South Main St, West Hartford CT Contact Phone x150 Contact scooper@midcapcredit.com Type of Lender: Commercial Finance Company - ABL Maximum Credit Limit Preferred Hold Size $10MM $2MM - $8MM None Manufacturing, Distribution, Service Companies Contractors, Retail 30 days Up to 85% Eligible AR, Up to 50% on Eligible Inventory, 80% of NFLV on M&E Typically one year deals - longer available if requested No loan covenants Blocked account agreements in lieu of lockbox

11 Contact Name Tim Peters Contact Address 526 7th ave 6th floor New York, NY Contact Phone or Contact ABL Maximum Credit Limit 5, Preferred Hold Size $750,000-$3,000,000 None Healthcare Only 3-6 weeks BB, Lockbox, financial covenants

12 Contact Name Michael A. Pandolfi Contact Address 11 Old Coach Rd., Wilbraham, MA Contact Phone (413) Contact Maximum Credit Limit Preferred Hold Size ABL $25MM $15 - $20MM New England and NY Mfg, Wholesale, Retail, some service Construction, H/C service providers, High-tech 4-6 weeks Customary ABL requirements - extent & frequencies deal specific.

13 Stephen Villecco, SVP Rockville Bank 2319 Whitney Avenue, Hamden, CT Type of Lender: Bank Maximum Credit Limit: $20,000,000 Preferred Hold Size: $10,000,000 : New England and New York : Manufacturing, Transportation, Professional Services : None : Varies from deal to deal : Basic covenants and borrowing base certificates when applicable. Will entertain non-recourse deals.

14 Contact Name Robert A. Hagan Contact Address 612 Bedford Street, Stamford CT T Contact Phone Contact rhagan@stamfordfirstbank.com Maximum Credit Limit Preferred Hold Size Community Bank with Banks (and branches) located in Fairfield, New Canaan and Stamford. New locations in New Haven and New Canaan. Fairfield and New Haven Counties, parts of W Small to Mid size business; local g Residential mortgages are 50 Residential Basic Fannie Freddie Mac Requirements

15 Contact Name Ralph Aurelia Contact Address Summit Financial Resources, 1348 Nichols Avenue, Stratford, CT Contact Phone (Office) (Cell) Contact Maximum Credit Limit $4,000,000 Preferred Hold Size $250,000 to $2,000,000 Working Capital - ABL/Factoring Accounts Receivable, Inventory and Equipment Advances Nationwide Manufacturing, distribution, wholesale, services, transportation and staffing Will not finance construction deals (progress payments or sub-contractor debtors), medical receivables (3rd party payors) or consumer receivables. 1 week to 1 month - depending on transaction size and collateral mix No financial covenants Will consider over-advances Will finance "foreign" accounts receivable with adequate support Will structure high customer concentration transactions Will finance government accounts receivables

16 Contact Name Christopher Rallo Contact Address 40 Danbury Road, Wilton, CT Contact Phone Contact Type of Lender: Full service commercial banking: Traditional C & I and ABL Lending, including Investment and Owner-occupied real estate. Preferred Hold Size: $2MM - $50MM : As a Relationship Manager, the major metropolitan region and CT; as a bank, from Canada to Florida, primarily along the eastern seaboard. : We consider all industries; please call to discuss. : None are excluded, but certain are lent to on a limited basis - please call to discuss. : Dependent on deal size and complexity; relationship managers issue proposals and are responsible for all aspects of relationship management. : Depends on the risk profile of the credit.

17 Contact Name Dan Corcoran Contact Address 1 Federal St Boston, MA Contact Phone Contact dan.corcoran@usbank.com ABL Maximum Credit Limit Preferred Hold Size $150MM $20.0MM to $100.0MM none Manufacturing, distribution, business services, retail Finance companies, commercial real estate, media, tech minutes Borrowing bases, lockbox, one covenant. Infrequent personal guarantees.

18 Contact Name David McIlroy Contact Address One Boston Place, Boston Ma Contact Phone Contact ABL Maximum Credit Limit $ 35,000,000 Preferred Hold Size $ 35,000,000 The USA Manufacturer, distributor, wholesale, service, some technology and retail none 45 days to 90 (ie Borrowing Base Certificates, LockBox, Covenants) could be all, depends on credit worthyness. Negotiable