This document summarizes Marlin's lease financing services for computer dealers and VARs. Marlin offers total project financing that allows including equipment, installation, and training costs in one payment. It also provides a cost justification program and marketing support to help sellers close deals. Leasing provides tax advantages for customers and allows sellers to overcome pricing objections while increasing sales and profits. Benefits to customers include a source of capital, tax advantages, and flexible payment options.

1. Closing Sales with Lease Financing presented to Strategic Selling Computer Dealer & VAR: Southeast Region

2. Marlin Is Your Computer/VAR Leasing Partner As a leader in the Computer/VAR Equipment Leasing Industry we make it easier for your customers to say “YES!” By Offering: TOTAL PROJECT FINANCING - this gives you the ability to include the equipment, installation and training (soft costs not to exceed 30%) into one easy payment. MARLIN’S COST JUSTIFICATION PROGRAM - this is an Excel program that qualifies the customer shrinkage compared to their lease payment, making it a “Cost Saver” for customers to acquire your product today. TAX ADVANTAGES FOR CUSTOMER WHO LEASE - leasing pays dividends for customers who are aware of the Tax Savings. PARTNERING WITH AN INDUSTRY LEADER - we are the exclusive financing source for many major manufacturers in the security market.

3. Our Competitive Strengths Marlin offers a Single Point of Contact which is a level of service in which you work with the same leasing professional all the time, every time We offer a comprehensive credit process which provides you with a less than 2 Hour Decision Time on all lease applications We can provide you with Customized Reports such as, End of Term, Monthly Lease Volume etc… Marlin offers you a level of Marketing Support that surpasses all expectations Joint Advertising/Brochures Point of Sale Materials Financial Sales Training/WebEx Specials/Promotions/Contests

4. Strengthen Your Sales Cycle Leasing compliments long-term relationship selling. Building a relationship vs. doing a deal. Lock out your competitors and grow a portfolio. Position your offering to compete with your largest competitor Think of how you make your own purchasing decisions - If you had to pay cash, would you own your home or car?

5. Marlin’s Benefits To You Overcome pricing objections Increase average transaction size Higher profit margins Competitive lease rates Lock in customer relationship for repeat sales Flexible lease programs to meet customer needs Marketing support programs Simplifies docs & fast credit decisions expedite transactions Web interactive

6. Benefits of Leasing To Your Customers Source of capital for equipment acquisition Preservation of bank credit lines Potential tax advantages Finance soft costs Simple and convenient approval process and documentation Minimize balance sheet liabilities Upgrades and add-ons made easy Flexible payment options with longer payment terms Flexible end-of lease purchase or renewal options Helps avoid technological obsolescence

7. Lead With Leasing Forced to pay higher bank fees of 3%-4% Cash Price still open for negotiation. Fast Process Uses up credit card line Credit Card Cost of Credit Dept and Potential Credit Risk Higher A/R and Personal expenses to Collect Decreases your Cash Flow if carrying high Net 30 Accounts A Cash Price still is open for price negotiation. May not have cash in 30 days, but get equipment today. May not get approved for Net by your own Credit Dept. Net 30 Reduces Receivable Cost Forces negotiation on price Reinforce short term “do a deal” rather than long term relationship. Delay in transaction closing because of waiting for bank loan. May think the total price is too high. May not have full cash price. May shop your price to find better deal. Cash Price Improves your Sales Expenses to Revenue generated ratio. Cost less to get business from existing Customer than landing a new Customer. Marlin takes all Credit Costs, Credit Risks & Collection Cost Fast Payment lowers account receivables Increases closed Sales by eliminating cost objection. Creates an ability to “up-sell” more equipment for small additional monthly payment increase. Locks Customer Relationship for repeat Sales in the future. Maintain and/or improves profit margin. Gets them thinking about small payment before thinking about a larger total cost. Keeps Customer focused on equipment benefits – Not the price. 100% of equipment cost is financed. Preserves Cash for other uses. Lease Payment Impact on your expenses Impact on Your Sales Revenue & Margins Impact on the Customer Payment Options

8. Give us a call… Rene Vaca Regional Manager, Southeast Division Marlin Leasing 6470 East Johns Crossing, Suite 430 Johns Creek, GA 30097 Office: 888-479-9111, ext. 3228 Fax: 800-535-8576 [email_address] www.marlinleasing.com Visit our web site at www.marlinleasing.com