AACFB was formed in 1990 by finance brokers for

the advancement of brokers and its lender members.

The association is designed to upgrade the

professionalism and profitability of brokers, funders and

others engaged in the equipment leasing industry.

AACFB members represent leasing professionals in

the United States, Canada and Europe and seeks

growth through the incorporation of other compatible

sources.AACFB promotes the interests of equipment

leasing brokers and funders through various

programs and opportunities.

Educational Programs reach every corner of the market

from lender function to documentation.

Current legal, accounting, sales and marketing

information is regularly shared with the membership.

Within AACFB’s two available meetings — the Annual Conference and the AACFB Expo — members are

provided

a chance to have one-on-one appointments with funders

and others engaged in the equipment leasing industry.

EL Dorado Commercial Finance LLC

22 Moonlight

Irvine, CA 92603

(949) 856-9999

askus@ELDoradoCF.com

The American Association of Commercial Finance Brokers is a proud Corporate Associate member of the Independent Community Bankers of America.

HOW WILL WORKING WITH AACFB BROKERS BENEFIT COMMUNITY BANKS?

— Using AACFB related funding sources to fund bank deals that the bank is not able to approve due

to:• The transaction is outside of the bank’s footprint.• Unacceptable collateral.• The bank customer has reached his/her credit limit.• The bank customer’s credit score has become

challenged.

— Your local AACFB broker has knowledge of small local businesses.

— Increased fee income to your community bank.

— Your AACFB broker has knowledge of small and large vendors.

— Brokers bring insight on possible new bank customers.

— AACFB brokers can provide tax-enhanced structures for your clients.

— Your customer retention rate can increase by providing an additional service.

— A leasing solution provides a competitive edge over other institutions.

— AACFB brokers and funders can handle leasing or financing older equipment.

— AACFB brokers have access to creative financing such as:

• Leasing software and soft costs.• Higher risk credit sources.• Sources that specialize in unusual types

of equipment.

— AACFBbrokers offer unique payment terms such as structuring leases with residuals.

— Community banks can seamlessly refer clients, giving them the same competitive advantage existing with many big banks with their own leasing divisions.

— Many customers may want to lease for certain tax or off balance sheet advantages and you would have an immediate solution for them.

— Communication and networking between AACFB brokers and community banks is sure to create additional strategic benefits.

— AACFB members have a wide range of knowledge concerning many different financial products.

— Community banks using a leasing professional are able to keep their relationships with their depositing customers and not risk losing the relationship to a competing bank.

WHY WOULD A COMMUNITY BANK WANT TO BE SURE TO WORK WITH AN AACFB MEMBER LEASING PROFESSIONAL?— Expertise. It’s all AACFB members do — all day, every

day. Our members help streamline the process. They can save your customer time, money and aggravation.

— AACFB members are on the cutting edge of common and accepted practices, industry jargon and industry terms of art. We encourage ongoing education of our members.

— Leases can help navigate around restrictive covenants upon a borrower during the lease term.

— Lease brokers are like independent insurance brokers. They have access to a wide range of lenders and investors to meet your clients’ specific needs.

— Brokers find the right leasing solution for your customer. Brokers give you and your customer personal attention.

— You as a community banker, your customer and your broker will develop a long lasting partnership. Your leasing broker will refer customers to you, and help your customers that perhaps do not qualify for a loan, or need additional funding. A broker is not restricted by the requirements of using only one lender.

— Leasing brokers do not just “credit score” a transaction, but look into the details of your customer’s long-term goals, and the reasons behind your financing needs.

— Community banks can trust AACFBers. He or she has taken a pledge to abide by the Code of Ethics of the AACFB. You can view our code of ethics on our website: www.AACFB.org.

Coming together is a beginning. Keeping together is progress. Working together is success.

— Henry Ford

Community banks partnering with a lease/finance broker, who is a member of the AMERICAN ASSOCIATION OF COMMERCIAL FINANCE BROKERS (AACFB), is a wise choice.AACFB brokers and community bankers coming together to benefit their customers is an excellent example of how everyone can achieve success by association.

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