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1 PLEASE DO NOT PRINT. CONTACT YOUR CAT FINANCIAL TERRITORY MANAGER TO ORDER.

2 GET WHAT YOU NEED TO GET TO WORK Equipment Financing Our loans and leases for new, used and rental Cat equipment as well as complementary equipment make acquiring what you need simple. We frequently offer special promotional rates on equipment financing, and our one-stop shopping approach makes it easier for you to manage your financing, insurance and other business needs. > Installment Sale Contracts provide immediate ownership with payments over time (and often include a trade-in or down payment). > Finance Leases give you the option to own equipment under lease with a bargain purchase option. > Tax Leases Cat Value Option provide one of the lowest payment options with a stated purchase option at a predetermined Fair Market Value price. > Tax Leases Long-term Rental offer the lowest possible payments if you plan to return the equipment at lease-end. > Governmental Financing provides special interest rates and tax-exempt options for states, counties and municipalities. > Terminal Rental Adjustment Claim (TRAC) Leases, for the Cat Vocational Truck, a tax-oriented lease with an option to purchase at the end of the lease term for a predetermined amount. CAT FINANCIAL COMMERCIAL ACCOUNT MEET LASER GRADING & Development Location Bonita Springs, FL Established 2008 Employees 28 Cat Dealer Kelly Tractor Paying for parts, service, machine rentals and work tools at any Cat dealer has never been easier or faster. Our Commercial Account is a revolving line of credit that lets you pay now or later to manage your cash flow, as well as take advantage of special promotional financing for Cat machine and engine support. Hear the rest of Kevin s story and get to know the team that made it happen at CatFinancial.com/Kevin.

3 The Commercial Account we primarily utilize on larger-ticket items. The bottom line is it assists or works with our cash flow. Because of the flexibility and the options, we may pay it off in 30 or 60 days. There are times when a builder doesn t pay us on time we have that account to help us in the meantime. Kevin Manning, President GOOD to know HIGHER APPROVAL RATES: Your loan or lease has a better chance of approval with Cat Financial. We approve more of the transactions we receive and typically require lower down payments than other financial institutions.

4 Good to know MORE FLEXIBILITY: You can count on Cat Financial to be here in good times and bad. We ll set up variable payment schedules, modify loan or lease terms, consolidate debt and arrange for skip payments, extensions or early buyouts. Cat Financial has gone above and beyond for us helping us to consolidate debt and refinance it. We were in a tough spot earlier this year and they helped us through it. Lyndon Larson, Treasurer

5 Keep YOUR BUSINESS StrONG & GROwinG Capital Solutions Improving cash flow, increasing working capital, enhancing bonding capacity when you need to strengthen your company s financial position, we can help. Because our Capital Solutions team understands your industry and your equipment s value better than a bank, we can work with you to keep the cash flowing so you can continue growing. > Revolving Lines of Credit let you tap into the equity in your equipment and shift short-term debt to long-term debt. You can access cash when you need it for any business expense and pay down the line when excess cash is available. Similarly, Working Capital Loans help you fund day-to-day operations. > Debt Consolidation & Refinancing helps you improve cash flow and increase working capital. Even if we weren t your original lender, we may be able to help you lengthen terms, consolidate loans, restructure or schedule skip or step-up payments. Meet TIFFanY CONStrUCtiON FinanCial SOLUtiONS FOR UNIQUE INDUStrieS Location Phoenix/Sedona, AZ Established 1925 Employees 121 Cat Dealer Empire Cat Hear the rest of Lyndon s story and get to know the team that made it happen at CatFinancial.com/Lyndon. Work in a unique market or face a challenging situation? We offer special equipment financing solutions for marine, mining, oil and gas, power generation and transportation, as well as project financing for largescale infrastructure, industrial and construction initiatives. Our Capital Markets team can structure and arrange a broader spectrum of your financial needs through syndication and participation.

6 Insurance Solutions You expect protection beyond the standard coverage. Our convenient insurance options available for new and used Cat equipment help you manage business risk. > Physical Damage Insurance covers damage to your equipment from collision, fire, overturn and more. > Equipment Protection Plans help you manage owning and operating expenses by protecting your new, used and rebuilt machines from unexpected repair costs and they re transferable when you sell your equipment. Cat Financial offers things that the typical lenders can t do for us. They do have a kind of one-stop shop. That is why we like to use them. Lyndon Larson, Treasurer PROTECT YOUR EQUIPMENT & YOUR INVESTMENT

7 GOOD to know Long-Term Satisfaction: Customers who finance with us say they re more satisfied with their equipment. A wholly owned subsidiary of Caterpillar, we ve been serving Cat customers exclusively since 1981 which means we understand your industry and challenges better than others.

8 Cat Financial offers so many different opportunities for different types of financing it s hard to beat by any bank or any other institution. Hank Rohwedder, President Meet HanK S EXCAVatinG & LANDSCapinG Our goal is to support you for the life of your equipment and the life of your business. Whether you re buying equipment, protecting your investment, managing your accounts or preparing for the future, we re here to help you be more successful with: Location Belleville, IL Established 1978 Employees 100 Cat Dealer Fabick Cat > Loans and leases for Cat and complementary equipment > Cat Financial Commercial Account for one convenient way to pay for parts, service and rentals > Insurance solutions to protect your equipment > Revolving lines of credit that let you draw on the equity in your equipment > Refinancing and debt consolidation to help you Hear the rest of Hank s story and get to know the team that made it happen at CatFinancial.com/Hank. (Shown on cover) improve cash flow For some, financing is all about dollars and cents. For us, personal relationships come first and we build them to last. We invest our time getting to know you, your business and the challenges and opportunities you face. Then we develop solutions that are right for your business, today and tomorrow. That s what being a part of the Caterpillar family is all about. To learn more about why it s good to know Cat Financial and all the ways we can help make your business stronger for life talk to your local Cat dealer. Caterpillar Financial 2120 West End Avenue Nashville, TN Phone: Customer Service: Apply Online: DEDQ Caterpillar All Rights Reserved Printed in USA CAT, CATERPILLAR, their respective logos, Caterpillar Yellow and the POWER EDGE trade dress, as well as corporate and product identity used herein, are trademarks of Caterpillar and may not be used without permission.