This section does not apply to a leasehold interest in real property. Subject to the rules and regulations of the Commissioner, a commercial bank may become the owner and lessor of personal property if: The personal property is acquired on the specific request of and for the use of a customer; and The investment of the commercial bank in personal property does not exceed: For any one customer, 10 percent of the unimpaired capital and surplus of the commercial bank; and For all of its customers, the total of its unimpaired capital and surplus.