Community BanksParticipants and Partners

In the Equipment Finance & Leasing Industry

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Panel• Bob Ingram – Lakeland Bank

Senior Vice President and Manager of Equipment Finance Division

• Chris Ewer – Equipment Finance Solutions

A Division of Cashmere Valley Bank

Equipment Finance Manager

• Scott A. Wheeler – Wheeler Business Consulting President

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Community Bank Studyan Up-Date

Various involvement in the equipment funding business

All size Community banks can be successful

The initial reasons Banks get involved and the reasons they stay in the business are

tremendously different

Pure Numbers suggest the timing is “right” for community banks to expand or enter the equipment arena

The process is already underway• Great opportunity for community banks• Great opportunity for the finance and Leasing

industry

Not for every bank• However for the right banks the rewards will be

great• Takes expertise and industry leadership

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Delinquencies for MLIF-25 & Bank Assets

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Charge-Off for MLIF-25 & Bank Assets

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Re-pricing of Loans & Lease

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Bank Challenges

Cultural Differences

Marketing Efforts

Integration

Product Pricing Differentials

Timing Procedures

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Opportunity

The Creation of Strong Assets

Increases Value Proposition

Diversity & Safety

New Channel to Drive Relationships and Deposits

Encourages Organizational Development & Expertise

Soar to New Heights!2013 National Equipment Finance Summit, Albuquerque, NM

Questions