TFG Financial Group is a finance company that has been in operation since 1984. It provides equipment financing, automotive financing, and portfolio servicing across multiple geographies including the US, Europe, and Australia. TFG offers a multi-tiered financing solution that matches borrowers across the credit spectrum with various lenders, from banks and captives to sub-prime and near-prime brokers. This solution has helped clients like RBFS grow their auction proceeds by over 985% and revenue by over 1275% since 2012 by increasing the number of qualified bidders with financing. TFG provides a dedicated concierge service to support this financing program.

1. Cascading Credit

2. About TFG Financial Group
» Started in 1984
» Operations have included
» Prime & Non-Prime Equipment finance
» Prime & Non-Prime Automotive finance
» Portfolio Servicing & Sales Center
» Over $6B of capital deployed in auto, equipment and
consumer finance
» Domestic, US, Europe & Australia
» Accomplishments include
Vancouver

3. You are judged by the company you keep…

4. 85%+ Funded Deals
“D”
Market
10%
“C”
Market
20%
“B”
Market
40%
“A”
Market
30%
Sub-Prime Broker
TFG Multi-Tiered
Solution
Near-Prime Broker
Banks/Captives

5. Lead Management Program
Capture Leads
Prime Declines
Apply Consistent
Lead Management Program
To all leads

6. Concierge Service Lead Management
Lead Match
Lender
Lender
Lender
Supported by TFG Concierge Service

7. Concierge Service Lead Management
» Dedicated Account Manager(s) assigned to Program
» Speed, ease, convenient application/funding process
» Simple 1-page credit application for up to $250k: Submit Online, phone, email or fax
» Same day Credit decisions (typically 2-4 hours, often sooner)
» Documentation proficiency: Funding within 24 hours or less
» Efficiency through technology: Web access for both Customers & Lenders
» More Programs:100% Financing, $0 down, 120 Day No Pay, Skip Payments
» More Options: Finance, FMV or $1 out Lease, TRAC Lease, Working Capital Loans
» Multi-Lender Platform increases approval % and ensures competitive rates
» Industry best “Age/Term Matrix” simplifies customer experience
» Financing Warranty and Insurance add-ons

8. RBFS Case Study
MANDATE
» Enhance the RB customer experience by making it easier for customers to buy equipment
» Grew the gross auction proceeds by increasing the number of qualified purchasers attending the sales
» Increase prices as more customers are bidding with the confidence of cash
SOLUTION
» Proprietary Multi-Lender Platform FinTech system
» Supported by Call Center/Concierge Service
RESULT
» Over $7.5 Billion in applications processed
» Increased earnings per share by overall increased income of increased bids and share of the Auction Financial Services
income
» Created a sustainable competitive advantage

9. RBFS Booked $ Growth since 2012
$0
$50,000,000
$100,000,000
$150,000,000
$200,000,000
$250,000,000
$300,000,000
$350,000,000
$400,000,000
$450,000,000
$500,000,000
2012 2013 2014 2015 2016 2017
Funded $
985% Growth

10. RBFS Revenue Growth since 2012
$0
$5,000,000
$10,000,000
$15,000,000
$20,000,000
$25,000,000
2012 2013 2014 2015 2016 2017 Forecast
RBFS Revenue $
1275% Growth

11. Our Management team
Ernie Holmes
Vice President, Sales
eholmes@tfgfinancial.com
+1 (604) 343-9124
Aaron Case
AVP, Asset Based Lending
ajcase@tfgfinancial.com
+1 (778) 999-5497