About Sterling Acceptance Corporation

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1 About Sterling Acceptance Corporation Sterling Acceptance Corporation was formed in 1987 in Annapolis, Maryland. We quickly assembled a staff that specialized in recreational lending, loan underwriting, US Coast Guard Documentation, and insurance. Today, we continue with those specialties and have grown to cover these services on a nationwide level. Underwriting is a true specialty of ours, as our underwriters have up to 40 years of experience. With this, the response turn-around time is exceptional. You will not find the combination of banking credentials, industry knowledge and experience that the Sterling Acceptance staff offers anywhere else! We have established long-lasting relationships with nationwide recreational lenders, enabling us to offer a wide variety of loan programs at competitive rates and terms. As your intermediary, we work directly with the lenders to get you the best financing terms possible. We also offer US Coast Guard Documentation work, State Titling services, and Insurance, all done in-house at our corporate headquarters. These services are available to you whether you wish to finance your purchase through Sterling Acceptance, or are paying cash. Please contact us to help you in your next Yacht or RV purchase! Warm Regards, Karen Trostle President If you are ready to apply, or would like to request a rate quote, please do so via our website! It is safe and secure, and you will get a response back within one business day. Meet Our Nationwide Sales Team See a sales manager in your area? Contact them directly to receive quick assistance! Karen Trostle Owner / President karen@sterlingacceptance.com Annapolis, MD Karen has been a Maryland local her whole life, being raised on the shores of the Chesapeake Bay. She has been fortunate enough to enjoy the boating lifestyle from a young age and continues to be an avid boater. Karen began working at Maryland National in 1973 and eventually worked her way up the corporate ladder to become Vice President in charge of the Marine lending sales division. She has a degree from the University of Virginia s Graduate School of Retail bank Management.

2 In 1987, Karen decided to branch out and start a marine loan origination company, Sterling Acceptance Corporation. Celebrating more than 26 years in business, Sterling Acceptance has 3 loan production offices around the country. Karen Trostle is the current Past President of the National Marine Bankers Association; serving as President from 2010 to 2012, and has been on the Board of Directors since She boasts 40 plus years of marine direct, indirect, and floor plan banking experience. Aside from volunteering for many charities and non-profit organizations, Karen enjoys biking, health and fitness, and spending time on the boat with her husband and dogs. Dave Trostle Owner / Vice President dave@sterlingacceptance.com Annapolis, MD Dave s interest in boating started when he was 12 years old, when his parents bought their wooden 27 Chris Craft. He learned to navigate the Chesapeake Bay with nothing more than a paper chart, a set of parallel rulers and a compass. In the mid 80 s career opportunities brought him to the Washington DC area in the home entertainment industry. While working, he was approached with an opportunity to be the new sales manager at an Annapolis, MD yacht dealership. He took the opportunity to get in on the ground floor and build a business, which it certainly turned out to be. He obtained the Trojan Yacht franchise, which was on a strong growth path. Their International Series yachts set the standard for the euro style vessels which are so common today. Within a few years they had become the second largest dealer in the country and he was awarded salesperson of the year twice during that time. The opportunity to come to Sterling Acceptance Corporation came along in the 90 s and was a perfect blend of utilizing his business skills, boating background and industry knowledge, to continue working in an industry he so much enjoyed. Along the way, he obtained his yacht insurance license, currently representing Global Marine Insurance, in addition to his responsibilities at Sterling Acceptance. He and his wife Karen are actively involved in boating, spending as much time as possible on their Post 50 during the course of the boating season. They have made many friends on the water along the way, with it being rare that they do not run into someone that financed their boat with them. They have also visited many of the top RV destinations around the country- from Bar Harbor and Acadia National Park in Maine to the Grand Teton, Yellowstone, Bryce & Zion Canyons in Utah to the Grand Canyon in Arizona, just to name a few. I must say that, I am one of those people that truly do enjoy coming to work and helping people realize a dream they have of owning that boat or RV they always wanted.

3 Rachael Murphy Assistant Vice President Annapolis, MD Rachael was born and raised on the Eastern Shore of Maryland. Being on the water is second nature to her, and she has been lucky enough to have grown up in the wonderful boating community. Starting in her junior year of high school, Rachael enrolled at the local community college taking prerequisite finance classes and working at BankAnnapolis. After graduation, she continued working for BankAnnapolis, quickly taking on the head teller and new accounts role. She jumped at a great opportunity to work for NASA Federal Credit Union handling loans and new accounts where her passion for lending and underwriting began to form. In her spare time, she enjoys quality time with family, distance running, & weekends filled with most all recreational vehicle activities. Car shows, camping, motorcycle rides, and boat trips are just some of her favorites. Peggy Bodenreider West Coast Regional Sales Manager peggy@sterlingacceptance.com Newport Beach, CA For the past 30 years Peggy has held various positions in the marine industry. Her yacht financing career began with Horizon Credit Corp in Fort Lauderdale, moving to CA with the company in Peggy joined Ganis Corporation in 1988 to develop the direct marine lending business for the company. Over the next several years, she opened yacht loan production offices in 10 major yachting centers in the US. The company was sold several times and Peggy remained with the firm while it was Deutsche Financial Services, E*TRADE Financial, and GE Money. Her responsibilities included sales management and business development for the indirect marine business, working with marine retailers and manufacturers to develop specialized retail finance programs. Peggy is a past president of the National Marine Bankers Association, and has served on its board of directors since She is currently the association s vice president and chairs the marketing committee. She served on the board of the Southern California Marine Association (now known as NMMA West) which devotes its efforts and resources to the promotion of boating in Southern California through involvement with boat shows, legislation, education, boating safety and boating promotion. She is also a member of the California Yacht Broker Association.

4 Peggy and her husband are active boaters and members of the Catalina Marineros support group of the Catalina Island Conservancy. She frequently contributes articles about boating in southern California to BlueSkyNews.com. Mary Ann Savage North East Sales Manager Newport, RI Cell Mary Ann comes to Sterling Acceptance as our North East Sales Manager with a substantial background in recreational finance. Since the 1980 s, she has worked extensively in the industry, building relationships with brokers, dealers, and lenders in the North East Region of the country. Mary Ann obtained an abundance of recreational lending knowledge from her 30 year tenure with Essex Credit/Bank of the West. She has worked in all capacities of marine loan transactions, from boat shows to loan closings. She has a wealth of experience and professionalism that you will admire in just your first interaction with her! In her spare time, Mary Ann enjoys boating in the Narragansett Bay, spending quality time on the Newport beaches, and working in her growing garden. Shana White Regional Sales Manager VA, NC, SC shana@sterlingacceptance.com Norfolk, VA With a diverse and extensive background in recreational finance, Shana is a great addition to our growing team. Shana grew up in Thousand Islands, NY racing sailboats with her father and as a teenager was a lifeguard and swim instructor at her local yacht club. These experiences gave Shana a lifelong passion for boating and the boating industry. After completing college, Shana moved to Virginia Beach, VA where she co-founded Marine Concepts Yacht Sales. Her time there gave her an inside look at the brokerage business as well as marketing, boat shows, loan closings, and everything in between. Moreover, Shana also offers boat insurance through Global Marine Insurance Agency. When not finding the best deal possible for her customers, Shana enjoys RV'ing, camping, and boating with her two beautiful children. Having worked in nearly every aspect of the boating industry, Shana is a huge asset to the Sterling team and we are excited to have her aboard as our regional sales manager for VA, NC and SC!

5 Susan Cunningham Florida West Coast Sales Manager Bradenton, FL Susan was raised in the Piedmont area of North Carolina. With such a large family surrounding her, fishing in lakes, falling in streams and eating fresh home raised vegetables made for a great family environment. In school at East Carolina University, she was able to continue her education and be by the water. A special, to-be-husband, lured her to Maryland where her education continued in the Chesapeake Bay area. She began working in the marine industry with new and used boat dealers, brokers, and insurance agents. She began her journey with Sterling Acceptance Corporation in 1993, where she established our first Florida office. In addition to the thrill of the International Boat Shows that she has participated in for the last twenty years, she enjoys interacting with the salespeople, clients, and lenders that serve us. She feels that even through the tough years our business has been rewarding and one that we know we will always play a part in making dreams come true. Meet Our Corporate Headquarters Staff Betty Smith Documentation Specialist betty@sterlingacceptance.com Betty has lived in Maryland since she was a child. She began working with documentation right out of high school, drafting legal documents for a large bus company. She then took an opportunity to work directly with a large sales team to complete their loan documentation forms, where she stayed for 19 years. In 2000 Betty started with Sterling Acceptance and quickly became the documentation specialist, bringing with her a great understanding of lending requirements and industry knowledge. Betty is very well known for her welcoming personality, marine and lending knowledge, quality work, and fast service. She is the go-to girl to many of our local brokers for their cash deals and documentation needs. In her spare time, she enjoys reading, yard work, shopping and watching football.

6 Heather Cavey Administrative / Marketing Assistant heather@sterlingacceptance.com Heather has lived on the Eastern Shore of Maryland her whole life. She was raised in a family of boaters and has spent much of her life fishing, crabbing, or just cruising on the Chesapeake Bay. Many of her weekends are spent in the outdoors camping with her family and friends. Her family has never gone without an RV or a boat in their driveway, and they have both been sources of many adventures and unforgettable memories. Heather is currently working on her bachelor s degree in business administration and management at UMUC. She began working for Sterling Acceptance Corporation in January of When she s not studying or working, she enjoys spending time with family and friends, camping, boating, shopping and watching football, baseball and hockey. Rachel Jones Administrative Assistant rjones@sterlingacceptance.com Rachel was born & raised in the charming farmlands of Davidsonville, Maryland. After high school she enrolled at Anne Arundel Community College, where she studied business & office administration. Rachel held a 7 year position at Anne Arundel Medical Center where she was able to gain valuable experience in customer relations, advanced office workings, & sophisticated information systems. Her experience & optimistic personality make her a fitting addition to our administrative team at the Sterling Acceptance headquarters. In her spare time, Rachel enjoys outdoor activities such as hunting & boating, while also spending quality time with family & friends.

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