> BENEFITS OF LEASING

> LEASING VS. BORROWING

> APPLY FOR LEASE

> LEASE APPLICATION*

> ASSET MANAGEMENT

> DISPOSAL

> PRE-OWNED



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Leasing's Top Ten Benefits

1 Convenience
Customers that are restricted to a yearly capital budget are able to acquire much-needed equipment with easily affordable rental payments. Lease payments are fixed throughout the entire lease term, thereby eliminating any uncertainty about future cost for the use of equipment.

2 Stay on the Edge; Avoid Obsolescence
Buying promotes keeping equipment far beyond its useful life. Out-dated equipment is often shuttled downstream or stored away until it is worthless. Leasing's built-in termination date, the lease term, can be synchronized with equipment's productive life.

3 Work with someone who understands your business
Leasing companies that specialize in your industry can provide valuable financial input and structure transactions that fit your specific requirements.

4 Pay as the cash flows
Is your business seasonal, your business cycle predictable? Why not pay for that new equipment when it is paying for itself. Leasing is flexible. Customized lease payment schedules to fit your cash flow.

5 Fixed rate lease payments
Your lease payments are fixed for the life of the lease contract. Fixed payments enable you to more accurately predict equipment costs and cash needs.

6 Capital Conservation
If it appreciates, buy it. If it depreciates, lease it. Traditional bank lines are perfect for running the day-to-day operations of a business but not for funding long-term equipment acquisitions. Leasing provides an alternate source of credit and financing more suited for depreciating assets. Don't invest in depreciation.

7 Overcome Budget Limitations
Your budget allows the purchase of only what you absolutely require ... not what your really want and need? Ask how leasing can stretch budgeted dollars to acquire the quality and quantity you really need.

8 Conserve Credit Lines
Leasing does not weaken your borrowing power. Lease and your existing credit line stays healthy and available for the unforeseen.

9 Tax Benefits
Lease rental payments are made from pre-tax rather than after-tax earnings. Lease payments may be fully deductible, consult your accountant.

10 Competitive Advantage
Leasing can help grow your business.

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