1. Community Banks Participants and Partners In the Equipment Finance & Leasing Industry

2. 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

3. Soar to New Heights! 2013 National Equipment Finance Summit, Albuquerque, NM Community Bank Study an 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

4. 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

5. Soar to New Heights! 2013 National Equipment Finance Summit, Albuquerque, NM Delinquencies for MLIF-25 & Bank Assets

6. Soar to New Heights! 2013 National Equipment Finance Summit, Albuquerque, NM Charge-Off for MLIF-25 & Bank Assets

7. Soar to New Heights! 2013 National Equipment Finance Summit, Albuquerque, NM Re-pricing of Loans & Lease

8. Soar to New Heights! 2013 National Equipment Finance Summit, Albuquerque, NM Bank Challenges Cultural Differences Marketing Efforts Integration Product Pricing Differentials Timing Procedures

9. 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

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