HELLER FINANCIAL Indiana University POOP Presentation September 26, 2000 Focused on Performance

Bank, Analyst and Investor Meeting, March Page 2 $20 billion in assets $20 billion in assets A/A- rated company A/A- rated company Lend to mid-sized and small businesses on a secured basis Lend to mid-sized and small businesses on a secured basis Operations in U.S. and 20 countries internationally Operations in U.S. and 20 countries internationally Seven consecutive years of record earnings and increasing returns Seven consecutive years of record earnings and increasing returns Long term earnings growth rate of 15%+ Long term earnings growth rate of 15%+ Ongoing ROE target of 15% Ongoing ROE target of 15% Heller Financial Chicago-based commercial finance company founded in 1919

Bank, Analyst and Investor Meeting, March Page 3 Company Overview Heller Culture Recently ranked as one of Chicago’s top 25 places to work Recently ranked as one of Chicago’s top 25 places to work Employer of choice initiative Employer of choice initiative Business casual attire Business casual attire 100% educational reimbursement program 100% educational reimbursement program Competitive benefits Competitive benefits –3 weeks vacation at entry-level –401K –Heller employee stock purchase program –Comprehensive medical coverage Community connection - charitable work Community connection - charitable work Relaxed atmosphere/learning environment Relaxed atmosphere/learning environment

Bank, Analyst and Investor Meeting, March Page 4 Leasing Services Top-10 position in equipment financing to mid-market companies #3 in Vendor Finance in U.S. Real Estate Finance Recognized leader in mid-size commercial real estate finance #3 in vacation ownership finance Small Business Finance #1 SBA lender in U.S. International Group #1 in factoring in France, Netherlands, Mexico and Singapore Platform for Vendor Leasing Heller Financial Healthcare Finance #1 provider of secured financing to small and mid-sized healthcare companies Corporate Finance #1 provider of debt for mid-sized private equity sponsored transactions Top-tier in asset based lending Leadership Positions in Growth Markets Business Franchises Continue to Drive Performance

Bank, Analyst and Investor Meeting, March Page 5 Associate Development Program Program Overview Structured 18-month program of three rotations Structured 18-month program of three rotations Exposure to diverse functions and disciplines around the company Exposure to diverse functions and disciplines around the company Championed by Heller’s CFO and provides contact with senior management Championed by Heller’s CFO and provides contact with senior management Expectations higher than typical entry-level Expectations higher than typical entry-level Successful completion of program results in permanent assignment Successful completion of program results in permanent assignment

Bank, Analyst and Investor Meeting, March Page 6 Associate Development Program Overview Qualifications Qualifications –Strong academic credentials: 3.0/4.0 –BS in business, with emphasis on finance or accounting –Strong analytical and decision-making skills –Highly motivated, shows initiative and goal orientation –Strong team orientation –Excellent written, oral communication and presentation skills Reviews conducted every three months, twice per rotation Reviews conducted every three months, twice per rotation

Bank, Analyst and Investor Meeting, March Page 7 Associate Development Program Growth Opportunities Offers opportunities to develop skills and experience in: Offers opportunities to develop skills and experience in: –Deal structuring –Credit –Financial analysis and modeling –E-commerce –Investor relations –Capital markets –Corporate development

Bank, Analyst and Investor Meeting, March Page 8 Professional Opportunities Asset Distribution & Investments - Associate Capital markets strategy/execution and securities investment Capital markets strategy/execution and securities investment –Securitization, syndication and loan sales –Capital management –Asset-backed securities investment Associate is exposed to: Associate is exposed to: –Administration of an investment portfolio –Credit analysis of asset-backed securities –Special projects relating to securitization, securities and loan sales, capital management, e-commerce –Capital market forces –Issuance of asset-backed securities

Bank, Analyst and Investor Meeting, March Page 9 Professional Opportunities Asset Distribution & Investments - Associate Career potential Career potential –Portfolio manager –Director of securitization and loan sales –Corporate risk manager –Investment or rating agency analyst –Investment banker

Bank, Analyst and Investor Meeting, March Page 10 Professional Opportunities Commercial Equipment Finance - Underwriter Credit risk analysis/underwriting for equipment financing Credit risk analysis/underwriting for equipment financing Associate is exposed to: Associate is exposed to: –Company and industry research –Interpretation of financial statements –Formulation of financing recommendation –Presentation of recommendation to senior management –Document review

Bank, Analyst and Investor Meeting, March Page 11 Professional Opportunities Commercial Equipment Finance - Underwriter Career potential Career potential –Credit risk manager –Corporate-wide chief credit officer –Sales/new business origination –Syndications –Investment banking

Bank, Analyst and Investor Meeting, March Page 12 Professional Opportunities Corporate Development - Associate Researching and implementing strategic acquisitions and joint venture opportunities Researching and implementing strategic acquisitions and joint venture opportunities Associate is exposed to: Associate is exposed to: –Research of industries and potential acquisition targets –Financial and portfolio modeling –Project management of due diligence activities –Presentation development for Board of Directors –Annual corporate strategic planning

Bank, Analyst and Investor Meeting, March Page 13 Professional Opportunities Corporate Development - Associate Career potential Career potential –Mergers and acquisitions specialist –Manager of due diligence –Director of strategic planning –Investment banking

Bank, Analyst and Investor Meeting, March Page 14 Professional Opportunities Heller International Group - Financial Analyst Financial analysis and reporting of international subsidiaries Financial analysis and reporting of international subsidiaries Associate is exposed to: Associate is exposed to: –Financial reporting and subsidiary financial consolidation –Analysis of subsidiary operating performance –Analysis of acquisition and divestiture opportunities –Cross-border transactions –Worldwide operations –International business

Bank, Analyst and Investor Meeting, March Page 15 Professional Opportunities Heller International Group - Financial Analyst Career potential Career potential –Financial planning and reporting/external reporting –Corporate budgets and forecasting –Internal reporting –Group finance officer –Chief financial officer –International treasury operations

Bank, Analyst and Investor Meeting, March Page 16 Professional Opportunities Treasury - Financial Sales Associate Daily and periodic corporate funding Daily and periodic corporate funding Associate is exposed to: Associate is exposed to: –Direct commercial paper issuance –Development of new investor relationships –Development of economic outlook –Management of CP issuance versus loan fundings –Daily settlement of futures contracts

Bank, Analyst and Investor Meeting, March Page 17 Professional Opportunities Treasury - Financial Sales Associate Career potential Career potential –Funding manager –Operational manager –Interest rate risk manager –International liquidity manager –Treasurer –Chief financial officer

Bank, Analyst and Investor Meeting, March Page 18 Associate Development Program Individual Experience Graduated from Indiana University in May of ‘99 Graduated from Indiana University in May of ‘99 First rotation - Investor Relations First rotation - Investor Relations –Senior management exposure –Analysis of shareholder base –Interaction with equity investment community Second rotation - Fixed Rate Real Estate Group Second rotation - Fixed Rate Real Estate Group –Deal analysis –Financial underwriting –Credit training Third rotation - Sell-side syndication associate, Real Estate Group Third rotation - Sell-side syndication associate, Real Estate Group –Identify potential investors –Negotiate loan sales –Assist on buy-side transactions

Bank, Analyst and Investor Meeting, March Page 19 What’s Next??? Ongoing Career Opportunities Leasing services Leasing services Real estate finance Real estate finance Healthcare finance Healthcare finance Small business lending Small business lending Heller international group Heller international group Finance group Finance group –There are several opportunities in each of the groups listed above. I will have to match-up my skill set with what I want to do and go from there. There are very few limitations to what Heller will allow you to do.

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