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Investor Presentaiton

Strong Balance Sheet Positioned for Market Uncertainty and Opportunistic Deployment LIQUIDITY DEBT STRUCTURE Cash & Equivalents $121M Revolver Availability $279M Recourse Debt $523M @~4%(1) Non-recourse Debt $4.4B @ N4%(1) Warehouse Availability $319M Expected Tax Refunds $485M Solid Liquidity of $719M(1) • • Low-cost funds Flexible term structures No maturities until 2022 • • • CAPITAL LEVERS Unencumbered Railcars $1.4B Pledge to warehouse Additional assets can be sold or financed LTV of 58% for the wholly-owned lease portfolio as of 3Q-20(2) $371M additional financing priced in October 2020 at 2.52% Attractive Debt Structures Conservative Capitalization TRINITY INDUSTRIES See appendix for footnotes DELIVERING GOODS for THE GOOD of ALL /// 65
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