CCOONNFFEERREENNCCEE && 3322nndd AANNNNUUAALL

GGEENNEERRAALL MMEEEETTIINNGG

SSeepptteemmbbeerr 1144 –– 1166,, 22000055

TThhee WWeessttiinn BBaayysshhoorree

RReessoorrtt && MMaarriinnaa

VVaannccoouuvveerr

CCOONNFFEERREENNCCEE PPRROOGGRRAAMM

CF

&LAACFL

WWoorrkkiinnggssmmaarrtteerr

ffoorr ttoommoorrrrooww

MMiieeuuxxttrraavvaaiilllleerr

ppoouurr ddeemmaaiinn

TTHHUURRSSDDAAYY,, SSEEPPTTEEMMBBEERR 1155Thursday refreshments provided by:

Manheim's Toronto Auto Auction, Northstar Leasing Corporation, VFC Inc.

WWEEDDNNEESSDDAAYY,, SSEEPPTTEEMMBBEERR 1144

2:00 - 5:00 p.m. CFLA Board of Directors meeting (closed) 6:00 - 7:30 p.m. Welcome Reception

3:00 - 5:00 p.m. Registration Desk Open Sponsored by: Sun Life Financial

(Delegates are on their own for dinner and the evening.)

WWoorrkkiinnggssmmaarrtteerr

ffoorr ttoommoorrrrooww

MMiieeuuxxttrraavvaaiilllleerr

ppoouurr ddeemmaaiinn

7:00 a.m. - 5:30 p.m.

Registration Desk open

7:00 - 8:00 a.m.

Buffet BreakfastSponsored by: CIBC World Markets

8:30 - 8:45 a.m.

Chairman's welcomeJoseph R. LaLeggia, President & Chief

Executive Officer, Irwin Commercial Finance

8:45 - 10:15 a.m.

Can you really run sports like a business?

Brian Burke

Former President & GM

of the Vancouver Canucks,

TSN Commentator,

Harvard law alumni Brian

Burke is an impassioned

community leader and is

credited with the recent

successes of the

Vancouver Canucks

Hockey Franchise.

Sponsored by: Securcor Corporation

10:15 - 10:45 a.m.

Networking break

10:45 - 11:50 a.m. Small-ticket, Mid-ticket and Automotive financing: three roundtables on your business future

Three different member roundtables will

focus on the hottest questions in small-ticket,

mid-ticket and automotive financing. Pick the

one that interests you, register in advance and

meet your colleagues to discuss the issues voted

to be the most critical to your business future.

Automotive financing sponsored by:

Jim Pattison Lease

Small-ticket sponsored by: MCAP Leasing

Mid-ticket sponsored by: Swandel & Associates

12:00 noon - 1:50 p.m.

Luncheon – The Economic Scene

Michael Walker

Michael Walker is an economist and journalist. After thirtyyears, he is steppingdown as Director of theFraser Institute. Histhought-provokingarguments on majorissues that impactbusiness, includingtrade, taxation, social

Brian Burke

Michael Walker

policy and international competition have movedpublic policy.

Luncheon keynote speaker sponsored by:DaimlerChrysler Services Canada Inc.

2:00 - 3:00 p.m.

Concurrent sessions

What's new in law, tax and accounting for lessors?

The key underlying rules that shape the business framework for asset-based financing and leasing - what's happening?

Michael Burke, Blake, Cassels & Graydon LLP

Loraine McIntosh, Deloitte & Touche LLP

Mike Stewart, KPMG LLP

Sponsored by: LeaseTeam, Inc.

From start-up to multimillion dollar enterprise: how to fund your business as it grows?

Medicard Finance has a unique business niche. Over five years and 30,000 customers later, it has seen revenue growth of 2,205%,ranking it 29th on the 2004 PROFIT list ofCanada's 100 Fastest Growing Companies – thefourth consecutive year Medicard has placed inthese rankings. The challenge: funding a growing list of customers.

Ann Kaplan, President and CEO,

Medicard Finance Inc.

Hugh Swandel, Swandel & Associates

Sponsored by: Transwest Financial Services

3:00 - 3:30 p.m.

Networking break

3:30 - 4:30 p.m.

Concurrent sessions

Fraud and the Leasing Industry

Identifying areas of opportunity to exploit how the industry operates; steps that canmitigate risks; legal and forensic responses; therole of the auditor; role of the audit committee;what to expect from your forensic expert;litigating the claim.

Doug McKenzie,

Banc of America Leasing (Canada)

David Chaiton, Chaitons LLP

Peter Dent, Deloitte & Touche LLP

Sponsored by: ARI Financial Services Inc.

Assuring your priority ranking. Jump on the industry bandwagon to streamline the waiver process

Obtaining waivers is necessary in most lease financings. A web-based database isbeing developed to speed up the process along withstandard-form documents to reduce costs andenhance efficiencies. Should the industry supportthis initiative?

Richard McAuliffe,

Key Equipment Finance Canada

Diane Brooks,

Partner, Goodman and Carr LLP

Sponsored by: Mercado Capital Corporation

4:30 - 5:00 p.m.

32nd Annual General Meeting of Members

6:00 - 7:00 p.m.

Chairman's Reception

Sponsored by:

Collateral Recovery Administration

7:00 - 10:00 p.m.

Chairman's Banquet & Funders’ Night

Tracey Bell is Marilyn, Liza, Cher, Madonna,

Tina Turner, Dolly Parton, Janis Joplin and more.

Hollywood glamour … Las Vegas glitter

Sponsored by:

Chaitons LLP, Equirex Leasing Corp.,

financiaLinx Corporation, First Candian Title,

Irwin Commercial

Finance,

Lease Link Canada Corp.

Miller Thomson LLP,

National City Commerical

Capital Corp.,

Stonebridge Financial,

Sun Life Financial,

Travelers Financial

Corporation

Wine Sponsored by: Canadian Black Book

Tracey Bell

FRIDAY, SEPTEMBER 16Friday refreshments provided by Goodman & Carr LLP, Jim Pattison Lease

7:00 - 7:45 a.m.

Buffet Breakfast

Sponsored by: GE Fleet Services

7:45 - 8:45 a.m.

The political sceneWhat's on the national political agenda?

Barbara Yaffe and Huw Willams will brief us on the state of thenation's politics.

Barbara Yaffe is the national politicalcolumnist for TheVancouver Sun. Herjournalistic career hascriss-crossed Canada,from The Gazette inMontreal, to The Globeand Mail Queens' ParkBureau and then, to itsAltantic Bureau,

followed by CBC TV National News inNewfoundland, and then Alberta, back to the

Globe's Ottawa bureau,before returning toVancouver.

Huw Williams, President, Impact PublicAffairs (CFLA's "eyesand ears" in Ottawa) willbring us his view of thegoings-on on ParliamentHill.

Sponsored by:

Marchand Melançon

Forget, G.P.L.L.

8:45 - 10:05 a.m.

Concurrent sessions

Thinking outside the box: a financing case study. How Air Canada developed an innovative spare parts financing.

Air Canada secured US$500M in financing with its inventory of spare parts as the primary

security. How are assets financed that constantlyturn over and are consumed? What are theoperational and security issues; the legalimplications? What did the airline have tochange?

Jose M. (Joe) Laranjo, Manager, Rotable

& Repairable Procurement, Supply Chain

Management, Air Canada

Kenton G. Rein, Stikeman Elliott LLP

Sponsored by: PHH Arval

Hiring your sales force: what works in financial services?

How do you do your sales hiring? How happy areyou with the results of your hiring efforts? Whatare you looking for and how do you know whenyou've found it? A session on how to hire moreeffectively; covering techniques of skillfulselection and interviewing as well as yourfeedback on identifying industry sales trainingneeds.

Michele Villeneuve,

Tony Jones & Associates

Sponsored by: Blake, Cassels & Graydon LLP.

10:05 - 10:20 a.m.

Refreshment Break

10:20 - 11:20 a.m.

New Technology: Big Bang 2: This time it's digital

From computers to consumer electronics, from telecommunications to the entertainmentindustry, there is a broad scramble to control thedigital world. What will the market look likewhen trillion dollar tech industries collide? Who'swinning and why should we care?

David Chalk, Founder of Chalk Media and Host of

television's Dave Chalk Computer Life

Partially sponsored by:

Hunter Keilty Muntz & Beatty Limited

11:20 a.m.

Conference close –Chairman’s remarks

Joseph R. LaLeggia, President & Chief Executive Officer, Irwin Commercial Finance

Barbara Yaffe

Huw Williams

G E N E R A L I N F O R M A T I O N

WHO SHOULD ATTEND?

Members and others who want to know more aboutthe changes taking place in the asset-basedfinancing and leasing industry and how it applies tothem.

LOCATION

The 2005 Annual General Meeting and Conferenceis being held in Vancouver, BC at the beautifulWestin Bayshore Resort & Marina (Vancouver'sonly resort hotel). The Westin Bayshore is only 5minutes from the heart of downtown, shoppingcentres and restaurants. A complimentary shuttledeparts every 30 minutes. It is approximately a 30minute drive from Vancouver International Airport.

Self and Valet parking are available (fee isapplicable).

REGISTRATION FEES ANDVOLUME DISCOUNTS

Early Registration - Prior to June 15Your registration fee of $925 for members and$1,100 for non-members includes:

� Admission to all listed sessions

� All program materials and handouts

� Welcome Reception

� 3 refreshment breaks

� 2 buffet breakfasts

� 1 luncheon

� Chairman's Reception & Banquet

After, June 15 your registration fee will be $1,025 for members and $1,200 for non-members andincludes all of the above.

The companion's registration fee of $250 for members and $370 for non-members includes:

� Welcome Reception

� 2 buffet breakfasts

� 3 refreshment breaks

� 1 luncheon

� Chairman's Reception & Banquet

� Access to business sessions on an "as

available" basis.

Also available for delegates: a per day registrationrate of (before June 15) $550 for members and$625 for non-members. After June 15: $590 and$665 respectively. A "Chairman's Banquet only"rate is $110 for members and $175 for non-members.

Volume discounts for member companiesregistering more than one delegate:For the second registrant:

Prior to June 15 $885

June 15 onward $985

For each additional registrant:

Prior to June 15 $845

June 15 onward $945

VOLUME DISCOUNTS DO NOT APPLY TO

NON-MEMBERS.

DELEGATES MUST ADD 7% GST TO THE REGISTRATION FEE.

PAYMENT

Advance payment, in Canadian funds is required. Please make cheques payable to:Canadian Finance & Leasing Association. We are unable to accept credit card payments.

Registrations can be sent by facsimile to: (416) 860-1140. A confirmation letter will be sent toyou upon receipt of your registration form andpayment.

SUBSTITUTION AND CANCELLATION POLICY

Substitution is permitted up to and including the first day of the conference. The cancellation policy isas follows:Written notice received on or before July 29/05 -25% penalty.

Written notice received before August 13/05 - 50% penalty.

After August 13/05 – No refund.

CFLA reserves the right to cancel this conference due to insufficient registrations and will beresponsible for refunding the registration fees only.

G E N E R A L I N F O R M A T I O N

HOTEL ACCOMMODATION

CFLA does not handle hotel reservations. Toregister at the Westin Bayshore Resort &Marina, call (604) 682-3377 or 1-800-WESTIN-1and INDICATE THAT YOU ARE WITH THECANADIAN FINANCE & LEASING ASSOCIATIONCONFERENCE. A block of bedrooms has been reserved at theWestin Bayshore Resort & Marina, at a special rate(single or double occupancy) $235. Harbour View,$295. Club Floor, $335. Jr. Suite. Applicable taxesextra.Reservations require a valid major credit cardacceptable to the Hotel.

RESERVATION CUT-OFF DATE: August 8, 2005.

EARLY CHECK-OUT FEEIndividuals who check-out prior to theirreserved check-out date will be charged an earlycheck-out fee of $50.00.Guests wishing to avoid an early check-out feeshould advise the Hotel before or upon check-inof any change in planned length of stay.

COMPANIONS ARE WELCOME

Companions and spouses are very welcome to attend the conference. While there is no formalprogram of activities, fully registered companionsand spouses may attend the business sessions (onan "as available" basis) and enjoy meals, receptionsand the Chairman's Banquet. Fully registeredcompanions and spouses have paid the $250(member) or $370 (non-member) registration fee.

Information about local sights and events will be available on-site at the Registration Desk.

DRESS CODECasual business attire is recommended for theentire conference including the Chairman'sBanquet. Jacket and tie not required.

CF

&LA

Canadian Finance & Leasing AssociationAssociation canadienne de financement et de location

15 Toronto Street, Suite 301, Toronto, Ontario M5C 2E3

Tel: (416) 860-1133 Toll Free: 1-(877) 213-7373 Fax: (416) 860-1140

E-mail: info@cfla-acfl.ca

Web site: http://www.cfla-acfl.ca

ACFL

THANK YOU TO OUR GENEROUS SPONSORS…

This list represents sponsors confirmed at the time of printing. For information regardingyour sponsorship opportunities, contact Janet Tricker at (416) 860-1133 x25 or

Toll-free at 1(877) 213-7373 x25 or email: janet.tricker@cfla-acfl.ca.

MILLER THOMSON LLP

Barristers & Solicitors, Patent & Trade-Mark Agents

CF

&LAACFL

Register before July 1, 2004 and enjoy reduced rates!

Company:

Address:

City: Province/State: Postal Code/Zip:

Telephone: Fax E-mail

1.�Mr. �Mrs. �Ms.

2.�Mr. �Mrs. �Ms.

3. �Mr. �Mrs. �Ms.

I would also like to register my companion/spouse:

1. 2. 3.

PLEASE PROVIDE A BRIEF DESCRIPTION ABOUT YOUR COMPANY (20 words or less):

Please photocopy for additional registrations.

Full Registration: Member 1st Delegate $875

2nd Delegate $835

Each Additional Delegate $795

Non-Member $1,150

Companions/Spouse Member $250

Non-Member $370

Day Registration: Member $510

Non-Member $575

Chairman's Banquet Only: Member $110

Non-Member $175

Sub total

7% GST

GST #R122938020 Total $

.....see over

REGISTRATION FORM

2005

CFLA ANNUAL CONFERENCE • 2005 • CONFÉRENCE ANNUELLE DE L'ACFLSeptember 14-16

The Westin Bayshore Resort & Marina, Vancouver

MILLER THOMSON LLP

Barristers & Solicitors, Patent & Trade-Mark Agents

CFLA 2005 Conference Registration Fees

Before June 15 On or

After June 15

Fully Reg. Delegate (Member) $ 925 $ 1,025

2nd Delegate 885 985

Each additional Delegate 845 945

Non-member 1,100 1,200

Companions/Spouse (Member) 250 250

Non-Member 370 370

Day Registration (Member) 550 590

Non-Member 625 665

Chairman's Banquet Only (Member) 110 110

Non-Member 175 175

Sub total

7% GST

Total $

GST #R122938020

Please photocopy form for additional registrants.

Name

Is this your first CFLA Conference Yes No

WILL YOU BE ATTENDING:

The Welcome Reception � Yes � No

Thursday's Luncheon � Yes � No

Chairman's Reception/Banquet � Yes � No

Special Needs (i.e. accessibility, diet) CONCUR-

RENT SESSIONS SELECTION (choose one in each time slot)

THURSDAY, September 15 – 10:45 - 11:50 a.m.

Small-ticket

Mid-ticket

Automotive financing

THURSDAY, September 15 – 2:00 - 3:00 p.m.

What's new in law, tax and accounting for lessors?.

From start-up to multimillion dollar enterprise: how to fund your business as it grows?

THURSDAY, September 15 – 3:30 - 4:30 p.m.

Fraud and the Leasing Industry

Assuring your priority ranking. Jump on the industry bandwagon to streamline the

waiver process.

FRIDAY, September 16 – 9:00 - 10:15 a.m.

Thinking outside the box: a financing case study. How Air Canada developed an

innovative spare parts financing.

Hiring your sales force: what works in financial services?.

Please send together with your payment to the

Canadian Finance & Leasing Association/Association canadienne de financement et de location

15 Toronto Street, Suite 301, Toronto, ON M5C 2E3.

You may fax the form first if you prefer to (416) 860-1140.

PAYMENT IS REQUIRED IN ADVANCE OF THE CONFERENCE.

We are unable to accept credit card payments.

Questions? Please call: 416-860-1133 or Toll free: 1-(877) 213-7373.

Visit our Web site: www.cfla-acfl.ca

CF

&LAACFL

WWoorrkkiinnggssmmaarrtteerr

ffoorr ttoommoorrrrooww

MMiieeuuxxttrraavvaaiilllleerr

ppoouurr ddeemmaaiinn

CFLA 2005 ANNUAL CONFERENCE

SPONSORSHIP PROGRAM

YES, our company would like to contribute to the success of the Association's Annual Conference in Vancouver from September 14 – 16 at the Westin Bayshore Resort & Marina and would like to contribute in the following way:

CFLA 2005 Annual Conference Sponsorship Program Guideline

EVENT

n Wednesday Opening Reception

n ’ Breakfast: Thursday

’ Friday

q ’ Keynote Speakers/Plenary Sessions TBA

q Networking Breaks (three on Thursday, two Friday)

q ’ Luncheon

Luncheon Keynote Speaker Michael Walker Executive Director, The Fraser Institute

q Concurrent Sessions (TBA)

q ’ Chairman's Banquet & Funders’ Night (multiple

sponsors)

n Chairman's Reception n Wine for the Banquet

SPONSORSHIP LEVEL

$ 6,000 $ 3,500 $ 3,500

$ 5,000+ $ 800 each

$ 6,000 $ 3,000

$ 1,000+

$ 3,500 each

$ 3,000 $ 3,000

n Signifies sold opportunities Partial and joint sponsorships welcome.

Name: Company: Tel: Fax: E-mail:

Please mail your cheque to: CFLA, 15 Toronto Street, Suite 301, Toronto, Ontario M5C 2E3

QUESTIONS? Please contact Janet Tricker at (416) 860-1133 X25 or 1(877) 213-7373 X25

THANK YOU FOR YOUR GENEROUS SUPPORT!

PLEASE SEND THIS COMPLETED FORM BY FAX TO: (416) 860-1140