1. Koger Propst, President Access to Capital

2. Member FDIC10/16/13 | Status of Banks in Colorado Main Street Businesses and Community Banks Caught in a Sub-Prime Trap Caused by Wall Street Most are Now Healthy Regulators and Public - Everything a Bank Dodd-Frank – Solved Some Problems, but Harms Customer Access to Credit 2

3. Member FDIC10/16/13 | Status of Banks in Colorado Dodd-Frank - Mortgage and Other Rules – End of Judgment Banking? 40% Colorado Banks Self Identified – Not in Business Five Years Why you Should Care… 3

4. Member FDIC10/16/13 | Is Your Banker Your Partner? A Partner Makes Strategic Decisions A Partner Shares in Operational Decisions A Partner Equally Shares Risk A Partner Equally Shares in Upside Return Partner’s Interests are Fully Aligned

5. Member FDIC10/16/13 | Your Banker is NOT Your Partner A Banker Advises on Your Strategy Only A Banker may not Engage in Operational Decisions A Banker Cannot Share in Risks – Banker Must be Right 99.9% of Time – Loans Need Multiple Sources of Repayment A Banker not Share in Upside – Receives Fixed Interest whether you Return 5% or 50% ROI A Banker’s Interest do not Fully Align – Your Banker Wants you to Succeed, but First Obligation is to Shareholders and Depositors

6. Member FDIC10/16/13 | Prepare to Win Develop Your Full Skill Set – Technical, Financial, Managerial and Strategic Network – You Need Friends Do Your Research Build Your Business Plan Develop Plan B, Plan C and…

7. Member FDIC10/16/13 | Prepare to Win Build a Key Support Team Build Appropriate Financial Depth Build Personal and Business Liquidity – You will need it! Be Realistic 7

8. LeverageEquityLoan Amount Total Assets Net Profits @ 10% ROINew Equity No Leverage $100$0$100$1010%$110 50% Leverage $100 $200$2020%$220 75% Leverage $100$300$400$4040%$440 90% Leverage $100$900$1,000$100100%$1,100

9. Member FDIC10/16/13 | The Danger of Leverage LeverageEquityLoan Amount Total Assets Net Return @ (10%) ROINew Equity No Leverage $100$0$100($10)(10%)$90 50% Leverage $100 $200($20)(20%)$80 75% Leverage $100$300$400($40)(40%)$60 90% Leverage $100$900$1,000($100)(100%)($0)

10. Member FDIC10/16/13 | Sustainable Growth – 10% Retained Earnings Who Owns Your Company

11. Member FDIC10/16/13 | Dealing with Bankers - Advice You Have One Mission – Long-Term Profits Long-Term Profits Make all Other Goals Possible Be Realistic Picking the Right Banker – It Matters! Bank’s are Regulated Institutions No News is Not Good News – Communicate! 11

12. Member FDIC10/16/13 | Dealing with Bankers - Advice When Win…Don’t be that Guy Build Financial Depth and Liquidity You and Your Banker Cannot Outsmart the Market – Homebuilders… Don’t Chase Irrational Competitors Build a Company that is Good in Good Times and Great in Bad Times 12

13. Member FDIC10/16/13 | Dealing with Bankers - Advice If Win, Don’t Assume it Makes You an Expert in Everything. Even if Your Banker Believes It! “Play Above the Death Line” – Jim Collins in “Great by Choice” Know Your Competencies 13

14. Member FDIC10/16/13 | Access to Capital Thank You 14