1. Business Lending Castle Point Business Forum 2013 Barclays Business

2. Agenda The Barclays Business Lending Journey  Recent Lending Experience Clinic Consultations Appointment scheduling (if required)

3. Are Banks Lending  In 2012 Barclays Business lent 44 billion pounds  In this area year to date we have agreed lending for a total of £31.7 Million  Barclays wants to lend but to the right companies

4. Working with your Barclays Business Manager Questions & Answers Understanding your Business Understanding your Lending need Understanding your Financials Information Gathering Assessment & Decision

5. Working with your Barclays Business Manager Information Gathering Financial statements Management accounts Business plan Financial forecasts Budget planner Statement of assets and liabilities Bank statements

6. Working with your Barclays Business Manager Questions and Answers What is your business history? Does your banking history support your application? What is the purpose of the loan? Does the amount in question achieve the required purpose? What is your personal investment in the business/ venture? Is the loan affordable? What is your repayment plan? What impact to the business will the lending have? What Security are you able to provide for the facility?

7. Working with your Barclays Business Manager Assessment & Decision Built through information gathering and questioning that establishes: – Sound purpose for the loan – Ability to service the loan – Your business Investment – Your fall back position – Your loan security. Decision delivered by your BBM Within reasonable timeframe Alternative solutions explored if required Appeals Process

8. What If the Bank still says no  There are other options to you  - Business Angels  - Venture Capital  - Crowd Funding  - Grants and Awards  - Community Development Finance Institutions (CDFI)

9. Disclaimer "The views and opinions expressed in this presentation do not necessarily reflect the views of the Barclays Bank PLC Group nor should they be taken as statements of policy or intent of the Barclays Bank PLC Group. The Barclays Bank PLC Group takes no responsibility for the veracity of information intimated by a third party and no warranties or undertakings of any kind whether express or implied, regarding the accuracy or completeness of the information are given. The Barclays Bank PLC Group takes no liability for the impact of any decisions made based on information contained and views expressed in this presentation or article. Any property used as security, which may include your house, may be repossessed if you do not keep up repayments on your mortgage or secured loan."