Leasing Express Inc. provides lease and finance solutions to help businesses acquire the equipment they need to compete. They handle a wide range of credit profiles, including standard A/B credits as well as more difficult C credits. The company offers 100% financing with no large down payment, tax advantages, fixed payments, and flexibility through quick application processes. This allows businesses to conserve capital, control costs, and upgrade equipment over time.

1. Leasing Express Inc. Leasing Express Inc. Provides lease and finance solutions, allowing business’s to compete in today’s market environment.

2. FACTS ABOUT LEASING 85% of all transactions need financing. Commercial credit, doesn’t show up on personal credit report. Leases are business trades and they won’t tie up lines of credit. Can’t qualify alone, may be possible to use a Co-signer.

3. Top Four Reasons Why Companies Lease Total percent is more than 100%: respondents selected multiple responses. 13.8% responded other 80% of Businesses lease 30% of assets acquired is through leasing More companies acquire equipment through leases than loans Off Balance Sheet 11% Avoid Obsolescence 26.9% Tax Advantages 42.3% Optimize Cash Flow 52.1 %

4. We Offer Features That Add Up All our features add up to one great leasing program. We handle not only “A” and “B” basic credits, but also the tougher transactions. Leasing Express Inc. offers one of the largest selections of leasing programs in the industry. Standard “A” and “B” credit Program - Competitive rates and application-only to $90,000 program. “ C” Credit Program - Coverage for guarantors with low credit scores. New Business Program - Financing for firms 0 months to 2 years in business. 100% Financing Available – 100% of equipment plus tax and soft costs Franchise Program - We offer financing for new and existing franchisees. Municipality Program – For nonprofit organizations Creative Payments – 7X100, 6X99, 60/90 Deferred, $20 Security Deposit, Seasonal, Semi-Annual payment schedules.

5. Customer Benefits/Vendor Benefits Conservation of Capital : 100% Financing with no large down payment (Improves cash flow). Tax Advantages : Payments can be 100% tax deductible Fixed Payments : No increase Convenience and Flexibility : quick and easy application process Savings : lease is paid with before tax dollars Return on Capital: Capital used to make money for the business Protections from Equipment obsolescence : free to upgrade or add equipment as needed Control the sales process : Ease anxiety / take off the street Differentiate yourself from the competition : Added value Increase your cash flow : Receive payment quickly and reduce receivables Earn repeat business : Upgrade or add on to equipment Overcome price objections : Monthly payment vs. Total cost Increase the size of the sale : Monthly payment makes it more affordable to the customer

6. Your Personal Fico Score A FICO score can range from 300 (very bad) to 850 (very good). The median is 723, according to Fair Isaac statistics. Fico Score Ranges of the following: 720 + Pretty Good 650 – 690 Good/Average 650 – 625 Below average 600 and Below (poor credit rating) The majority of consumers still have good credit. 45% of consumers have a score between 700 and 799 13% score above 800 27% rank above 600 13% weigh in above 500 Only 2% have 500 or below (according to Fair Isaac numbers)

7. The Breakdown Payment history: 35 percent. Current balances: 30 percent. Length of credit history: 15 percent Interest in getting new credit: 10 percent Mix of credit/other factors: 10 percent

8. Additional Business Data Available Dunn & Bradstreet (ww.DNB.com) Paydex Score (80 is perfect) www.DNB.com/paydex Paynet http://www.paynetonline.com/default.aspx Fair Isaac Business Scores http://www.fairisaac.com Beacon Business Score (BNI) – Equifax Business Score

9. Who’s Looking At Your Credit History and Scores Banks or Lenders (Every company sets its own criteria) Automobile Dealerships Credit Card Companies Insurance companies Potential employers Landlords/Property Managers Business Trades

10. What You Need For Business Credit 5 Year credit depth 5 Total Trades May or May not require home ownership Comparable credit / borrowing Available credit Trade Ratings Bank Balances (NSF’s looked at negatively)

11. What Can Be Leased? Automotive Agriculture Technology Electrical Industrial/Manufacturing Material Handling Restaurant Construction Communication Oil Field Software Dry Cleaning Mining and Drilling Waste Management Barber/Beauty Shop Generator Transportation POS Systems Water & Ice Machines Dental Medical Landscape Computer Machining Municipality Printing Office Mining Packaging Signs Storage Welding Handling Equipment Electrical Spa & Fitness Equipment Digital Screen Printing Pressure Washers Batching Machines