Presented by

Lloyd Consulting Group, LLC

I. Statement of Confidentiality & Non-Disclosure

II. Overview

III. Program Objectives

• Value Proposition to Lender

• Value Proposition to Business

• Value Proposition to Community

IV. Methodologies

• Program Model

• Program Timeline

• Return Driven Strategy©

V. Program Cost

VI. Firm Capabilities

VII. Management Team

This presentation is strictly confidential to the recipient, may not be distributed to the press or any other person, and may not be reproduced in any form. Failure to comply with this restriction may constitute a violation of applicable laws. If you are not the intended recipient of this presentation, you are hereby notified that any dissemination, distribution or copying of this presentation is strictly prohibited. Opinions, conclusions and other information in this presentation that do not relate to the official business of Lloyd Consulting Group, LLC shall be understood as neither given nor endorsed by it.

Small businesses represent 99.7% of all employer firms and employ slightly over 50% of all private sector employees which has generated 64% of net new jobs over the past 15 years. As the economic engine for the economy, small businesses require access to capital but in 2007 during the wake of the “great recession” small business lending has been and continues to be stagnant. In 2010, Small Business Loan Volume outstanding was a total of $652B, a decrease from a 2008 peak of $712B.

Local, State and/or Federal resources that help address the credit gap and lack of business experience of small business entrepreneurs are characterized as technical assistance services (T/A services). The Small Business Administration (SBA) offers T/A services via the Small Business Development Centers (SBDCs) and/or the Service Corp of Retired Business Executives (SCORE). Furthermore, T/A service providers (T/A providers) also include quasi-public organizations with a focus on economic development and non-profit organizations such as Women Business Centers and Minority Business Centers. Partnerships between lenders and T/A providers can help close the gaps between small business entrepreneurs and lenders.

T/A services and T/A providers deliver essential guidance and support for pre-finance technical assistance but a gap in services exists in post-finance technical assistance. Post-finance technical assistance (PFTA) is a validated need by the SBA and its resource partners but there is a lack of understanding of how to design a working model with the appropriate key elements that will optimize value for the small business client and lender. A methodical approach to a structured PFTA program at the lender level will ensure business objectives are met, loan defaults are mitigated and community economic development is achieved.

Trends in small business growth are percolating in metropolitan areas which have LMI census tracts. Of the estimated 26M small businesses in the U.S. today, 7.8M are women-owned with an additional 4.6M that have 50%+ ownership by women. 5.8M are minority-owned therefore slightly over 50% of the small businesses today are women/minority-owned enterprises (W/MBE). If high concentrations of W/MBE populations are found in metropolitan areas and metropolitan areas have LMI census tracts and small business growth trends are increasing in these environments then a PFTA program may alleviate some concerns for lenders, provide a sense of security and comfortability for small business clients and help narrow the lending gap between LMI and MHI areas that has traditionally existed.

The objective of the post-finance technical assistance program is to provide hands-on technical assistance services post-loan funding stage to ensure business objectives are met, loan defaults are mitigated and community economic development is achieved.

• Value Proposition to Lender: A strategic partnership with Lloyd Consulting Group, LLC to implement a PFTA program will yield direct tangible benefits in reducing the small business loan default rate at a cost savings to the lender. The cost/benefit ratio is attractive due to a flat rate nominal fee. Additionally, matching fund opportunities and/or direct funding streams in support of a PFTA program from the SBA or state of Massachusetts may be available. Furthermore, lenders can earn CRA credit for a PFTA program whilst providing unique value-added service to clients.

• Value Proposition to Business: Lloyd Consulting Group, LLC will provide hands-on technical assistance to small business clients achieve their business objectives and maintain their ability for loan repayment. Business owners will gain enhanced skills in financial management which will aid in business growth and sustainability as well as undergo the strategic planning process for capacity building and long term business growth.

• Value Proposition to Community: Community economic development is achieved through investment. Investments begin at the lender and small business/entrepreneur level. These investments are sustained by sound and carefully calculated business decisions. A PFTA program administered by Lloyd Consulting Group, LLC ensures a support mechanism is in place to further assist these investments to foster growth and produce additional economic opportunities for the community.

Program Model

1. An initial assessment meeting upon fund allocation – (eg. 30 days or less) is scheduled between Lloyd Consulting Group, LLC and the small business client to discuss/review the PFTA program. Financial documents will be collected at this time - (eg. P&L statement, Balance Sheet, Financial Projections, etc.).

2. On a monthly basis, small business clients will provide financial statements – (eg. cash flow, P&L, balance sheet, etc.) to Lloyd Consulting Group, LLC throughout duration of the one year program.

3. On a quarterly basis an in-person meeting will be scheduled with the small business client and Lloyd Consulting Group, LLC to review financial performance, discuss challenges and/or opportunities and take corrective action steps if necessary.

4. On a quarterly basis Lloyd Consulting Group, LLC will provide the lender a report of the small business client’s performance. Furthermore, a mid-program evaluation (eg. 6 month benchmark) will be submitted by the small business client to the lender to ensure business needs/objectives are being met.

5. On a quarterly basis, business coaching sessions will be offered to small business clients in a group format that address topics such as: Marketing, Operations, Strategic Planning and IT.

6. At the completion of the one year program a final evaluation will be completed by Lloyd Consulting Group, LLC and the small business client to be submitted to the lender.

Program Timeline

Return Driven Strategy©

A relatively new yet proven application model that Lloyd Consulting Group, LLC has adopted is referred to as Return Driven Strategy© (RDS). RDS is a Company Analysis Framework developed by Professor Joel Litman of Harvard Business School and Managing Director of Equity Analysis & Strategy, Inc. and Dr. Mark Frigo, PhD, Director of The Center for Strategy, Execution, and Valuation at the Kellstadt Graduate School of Business at DePaul University.

Return Driven Strategy© applies the interrelationships between business strategy, execution, performance, and valuation: plans, actions, cash flows, performance results, and forecasts. This framework focuses on practical strategic analysis built on a Shareholder/Lender/Investor perspective on performance and valuation.

Lloyd Consulting Group, LLC has full access and a close relationship with the creators of this workbench. The utilization of this workbench by Lloyd Consulting Group, LLC enables a higher degree of valuable insight into the small business client’s performance whilst providing critical feedback to the lender on the future borrowing capacity of the small business client.

Lloyd Consulting Group, LLC charges $3,000 per eligible firm that enters into the post-finance technical assistance program. The cost includes the 12 month duration of PFTA program, T/A services and the quarterly business coaching sessions. Optional funding sources include but are not limited to: matching fund opportunities and/or direct funding streams in support of a PFTA program from the SBA or state of Massachusetts and/or lenders can earn CRA credit for implementing a PFTA program for small business clients in underserved and/or urban communities with LMI census tracts.

Lloyd Consulting Group, LLC is a boutique management consulting firm specializing in growth strategies for small-mid size businesses (SMB) and engineering economic development initiatives with local, state, and/or federal entities in urban markets. Strategic planning is the tactical approach taken to achieve pre-defined business objectives, identify potential challenges/opportunities and determine best solutions for implementation.

Lloyd Consulting Group, LLC utilizes proven management consulting workbenches and frameworks that deliver value-engineered performance driven strategies which yield operational enhancements and increases a competitive advantage for our clients in the SMB market space. An approach that leverages both qualitative and quantitative analysis, Lloyd Consulting Group, LLC understands that long-term financial performance growth is achieved via effective return driven strategy methodologies.

Our process begins with the appropriate model assessment transitions to solution-based initiatives and concludes with a comprehensive strategic plan. Clients and management teams that work with Lloyd Consulting Group, LLC experience an idyllic relationship that fosters a strong value system anchored on the following: Transparency, Confidentiality, Integrity, Partnership and Execution.

John D. Lloyd

Founder and CEO

+1.617.934.2370 ext. 1

jlloyd@lloydconsultingllc.com

Ricardo L. Moraes

Managing Partner

+1.617.934.9370 ext. 2

rmoraes@lloydconsultingllc.com