A Division of TCF National Bank

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Damian Lewis
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1 TCF Equipment tfinance, A Division of TCF National Bank Industry Knowledge Tailored Products Unrivaled Service

2 TCF Foundational Strength TCF Equipment Finance (TCFEF) is a division of TCF National Bank. TCF National Bank is a subsidiary of TCF Financial Corporation (NYSE:TCB), a Minnesota based national bank holding company with over $18 Billion in assets and over 350 bank locations. Our history started TCF Bank provides a stable source of funding in 1923 as Twin City Building & Loan Association Branch Footprint 2

bank holding company with over $18 Billion in assets and over 350 bank locations.

3 The Family Equipment finance solutions for businesses, vendors and manufacturers in specialized segments. Serving the indirect auto marketplace by providing gportfolio management and specialized loan servicing. Inventory financing for the consumer electronics, lawn and garden, power sports, marine and recreation industries. Specialized divisions that focus on providing value added finance solutions. High technology equipment leasing including the purchaseand and leaseback of equipment, trade ins and leases. Commercial middle market products including real estate loans, cash flow lending and working capital. RETAIL LENDING Expertise in consumer real estate and other specialized and competitive consumer finance products. 3

Inventory financing for the consumer electronics, lawn and garden, power sports, marine and recreation industries.

4 TCF Financial Profile 42 nd largest publicly traded U.S. based bank holding company by asset size 381 bank branches in eight states Over 147,500 small business banking relationships: 79,200 checking accounts 68,300 lending relationships 86% of total assets are loans & leases Tangible realized common equity to tangible assets of 8.13% Tangible realized book value per share of $9.06 At 12/31/02 Securities & Other 27% $3,057 $4,806 Consumer Real Estate & Other CD s 25% Checking 37% ($ millions) Well Diversified Earning Asset Portfolio $2,276 At 12/31/02 Commercial Lending 21% $1,039 Leasing & Equipment Finance 9% Consumer Real Estate and Other 36% At 3/31/14 Securities & Other 5% Leasing & Equipment Finance 43% 20% $1,919 $2,042 $885 $6,098 Low Cost Deposit Base Savings 27% $2,865 Money Market 11% Checking 35% CD s 18% $818 $3,457 As of 3/31/14 $3,136 At 3/31/14 $2,612 $5,234 Commercial Lending 18% Inventory $2,124 Finance 13% $1,401 $810 $6,146 Auto Finance 8% Savings 42% Money Market 5% 4

are loans & leases Tangible realized common equity to tangible assets of 8.13% Tangible realized book value per share of $9.

5 Leasing & Equipment Finance * (Balances in $ millions) As of 3/31/14 4,000 3,000 2,000 1,000 0 Core portfolio increased 8.3% from 1Q13 Core Portfolio $3,232 $3,212 $3,281 1 Acquired Portfolio $3,506 $3, th largest bank affiliated finance/leasing company in the US in terms of net assets Experienced and seasoned management team 399 employees 12/10 12/11 12/12 12/13 3/14 g *Includes combined assets of TCFEF and an affiliate Diverse equipment types 25% specialty vehicles, 12% manufacturing, 12% construction, 11% medical Over 60 day delinquency rate.08% 2 Net charge offs: Q14 Backlog of $461 million. 32%.10%.09% 1 Includes operating leases of $80.7 million at March 31, Excludes non accrual loans and acquired loans 5

and seasoned management team 399 employees 12/10 12/11 12/12 12/13 3/14 g *Includes combined assets of TCFEF and an affiliate Diverse equipment types 25% specialty vehicles, 12%

6 Loan & Lease Portfolio Inventory Finance Leasing & Equipment Finance Commercial Auto Finance Consumer Real Estate & Other As of 3/31/14 $14,788 5% $14,150 5% ($ millions) $15,426 10% $15,847 10% $16,216 Continue to diversify loan 13% and lease portfolio across segments and markets 21% 22% 21% 25% 24% 22% 22% 20% 21% 19% 4% 8% 9% 52% Wholesale Multiple business segments give TCF options on where to strategically invest capital in light of competitive environments 49% 49% 43% 40% 38% 48% Retail Annualized loan growth of 9.3% 3%for the quarter even with $620 million in loan sales 12/10 12/11 12/12 12/13 3/14 6

24% 22% 22% 20% 21% 19% 4% 8% 9% 52% Wholesale Multiple business segments give TCF options on where to strategically invest capital in light of

7 Loan & Lease Portfolio Granularity Other 41% Const. 12% Specialty Vehicles 25% Manufact. 11% Medical 11% Leasing & Equip. Finance* $3.5 Billion (21%) As of 3/31/14 Wholesale (52% of loans and leases) Focus on loan and lease diversification to manage Other 19% concentration risk and Other 22% exposure Business 14% Multi family 30% Industrial Retail Buildings Services Office 10% 16% Buildings 11% Commercial $3.1 Billion (19%) Retail (48% of loans and leases) Used Car 76% Electronics & Appliances 3% Lawn & Garden 27% Inventory Finance $2.1 Billion (13%) PowerSports 48% New Car Other 24% Junior 20% Liens 39% Auto $1.4 Billion (9%) First Mortgages 61% Strong diversification by business segment, industry, and product type Disciplined consumer investments in portfolios where TCF can achieve the highest risk adjusted returns Total HELOC balance of $2.1 billion with only 10% reaching maturity or draw period end prior to 2021 Consumer RE & Other $6.1 Billion (38%) *Includes combined assets of TCFEF and an affiliate 7

Industrial Retail Buildings Services Office 10% 16% Buildings 11% Commercial $3.

8 TCF Equipment Finance * Industry Knowledge Tailored Products Unrivaled Service National service area 15th largest bank affiliated equipment finance company in the U.S. in terms of net assets * 14 th largest bank affiliated equipment finance company in the U.S. in terms of volume * One of the most stable, profitable and growing financing providers in the following markets: Agriculture Commercial Marine Construction Environmental Services Franchise Golf Healthcare/Homecare Manufacturing Printing/Packaging Specialty Vehicles TCF Bank Stadium is the temporary home to the Minnesota Vikings as work is underway on their new stadium. Corporate development via portfolio acquisition (capital markets), syndication and discounting *Includes combined assets of TCFEF and an affiliate 8

Golf Healthcare/Homecare Manufacturing Printing/Packaging Specialty Vehicles TCF Bank Stadium is the temporary home to the Minnesota Vikings as work is underway on their new stadium.

9 TCFEF Segment Specialization TCFEF Corporate Development Core Markets Strategic Business Development Capital Markets Construction and Environmental Services Golf Manufacturing Agriculture Discounting Franchise Healthcare Specialty Vehicles Commercial Marine Syndication Homecare On Going New Segment Development 9

Services Golf Manufacturing Agriculture Discounting Franchise Healthcare

10 TCFEF Specialized Segments Segment CapitalMarkets Construction / Environmental Discounting Franchise Golf Healthcare Homecare Manufacturing Specialty Markets Strategic Business Development Equipment Broadrange range of strategic segment equipment Heavy highway, street construction, excavation, refuse, Redi Mix, water, sewer, demolition, septic trucks Technology, FF & E, generalist Restaurant franchise equipment Golf cars, turf equipment, irrigation equipment Medical including hospital, private, EMR/EHR, optical and ophthalmic, dental, chiropractic, veterinary, fitness Home medical equipment, orthotic and prosthetics long term care, durable medical, respiratory therapy Machine tools and fabrication, printing, packaging and food processing, g,plastic injection molding Tow and recovery, funeral vehicles, motor coaches, shuttle & school buses, tire service trucks, ambulances Commercial Marine, Agriculture, Energy and Strategic Expansion 10

franchise equipment Golf cars, turf equipment, irrigation equipment Medical including hospital, private, EMR/EHR, optical and ophthalmic, dental, chiropractic, veterinary, fitness Home medical

11 TCFEF Finance Products Lease Type Products Loan Type Products Vendor Type Products Tax Lease TCFEF retains ownership Lessee gets lower payments Lease Purchase / Finance Lease At end of term, the equipment can be purchased for predetermined price Typically tax benefits go to lessee Interim Funding/Progress Funding Payment made to vendor early with approval from lessee TRAC Lease For over the road vehicles and trailers Stated price for the lessee to acquire the equipment at lease termination $1 Purchase Option Lease or Equipment Loans Lessee has option to purchase equipment at lease end for $1 Lessee is owner and has the tax benefits Vendor Leasing/Financing Programs for vendors sa and manufacturers to help their customers get financing Operating Lease TCFEF owns the equipment and all ownership rights and benefits Lessee may be able to treat the lease as an off balance sheet expense 11

road vehicles and trailers Stated price for the lessee to acquire the equipment at lease termination $1 Purchase Option Lease or Equipment Loans Lessee has option to purchase equipment at lease end

12 TCFEF Executive Management William S. Henak President, Chief Executive Officer Equipment Finance Division Responsible for the strategic direction, overall business development, operations, and financial results of the company. Richard J. Chenitz Executive Vice President, Chief Marketing and Corporate Development Officer Equipment Finance Division Creates strategic t action plans for new opportunities including company and portfolio acquisitions with responsibility over capital markets, marketing and lead generation. Gary A. Peterson Executive Vice President, Chief Operating Officer Equipment Finance Division Primary responsibilities are for the national Sales organization, operationsandtheand the managementof the overall portfolio. Judy I. VanOsdel Executive Vice President, Chief Legal Officer - Equipment Finance Division Provides legal services to all of TCFEF, manages legal staff and is primary liaison with parent company's legal department. Jim Groenewold Senior Vice President, Chief Accounting Officer Equipment Finance Division Key responsibilities include financial management including forecasting, accounting, financial reporting and tax. Lee Anderson Executive Vice President, Chief Lending Officer- Equipment Finance Division Focused on managing the credit teams and oversight for credit administration and compliance activities. 12

Chenitz Executive Vice President, Chief Marketing and Corporate Development Officer Equipment Finance Division Creates strategic t action plans for new opportunities including company and portfolio

TCF Equipment Finance

TCF Equipment Finance Industry Knowledge Tailored Products Unrivaled Service Foundational Strength TCF Equipment Finance (TCFEF) is a division of TCF National Bank. TCF National Bank is a subsidiary of