FNBB, Alabama is pleased to provide your bank an alternative for financing your commercial customers’ equipment acquisition needs. Let us tell you how our Leasing Services Division can offer the expertise that you need to offer the leasing product, while letting your bank set the rate, underwrite the credit, and have all proposals and documents private labeled in your bank’s name. Who Can Lease? Sole proprietorships Partnerships Corporations Trusts Limited Liability Corps. (LLC’s) Municipalities, County/Parish Commissions, School Boards 501(c)3 not-for-profit entities What Kind of Equipment Can Be Leased? Trucks, tractors, trailers Construction equipment Machine tools and industrial equipment Telecommunications systems and related equipment Computer systems and data processing equipment Hydraulic and truck cranes Furniture, fixtures and office equipment Medical equipment Street/sanitation equipment Police cars Fire/rescue equipment How Can Leasing Help Your Business Customer? Uses the company’s capital for the acquisition of appreciating assets. Takes advantage of a leasing term that more closely matches the useful life of the equipment. Avoids the high interest rates offered by vendor/captive financing programs. Assists governmental entities (municipalities, county/parish commissions, school boards) with tax-exempt leases for equipment acquisitions (both bank-qualified and non-bank-qualified transactions). How Can Leasing Help Your Bank? Allows your institution to manage your customer’s entire banking relationship, including equipment leasing, without losing these transactions to vendors. Increases outstandings without cannibalizing your loan portfolio. Allows you to “get your foot in the door” with prospects who may otherwise be reluctant to move their existing loan/deposit relationship from another bank. Your bank establishes your desired pricing and underwrites the credit, and all proposals/documents are in your bank’s name. Service Overview Additional financing option for your customers Your bank underwrites the credit Your bank sets the pricing Your bank books the outstanding FNBB, Alabama provides leasing expertise and prepares all proposals and documentation in your bank’s name

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