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© 2007 EWL FINANCIAL1

Every Business Needs Money to GrowEvery Business Needs Money to Grow

Edward Lawings, President & CEOKathleen E. Driver, Principal Partner


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Agenda

About EWL FINANCIAL

Why EWL FINANCIAL2Smart, simple choices, customized for you

Commercial FinancingEquipment Leasing Working Capital

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Key points about EWL FINANCIAL4


About EWL FINANCIALOne Stop Shop of Financial Services

Unlike banks, we focus primarily on solution and technology financingWe provide single-source financing that helps our clients acquire business services and technology services, hardware and software We offer flexible financing with competitive rates to businessesof all sizes and across all industriesWe offer complete financial plans for the lifecycle of your investment

100% Equipment FinancingWorking Capital LoansGovernment LoansAsset Based LendingLines of CreditMergers and AcquisitionsPurchase Order FinancingAccounts Receivable LoansCommercial Real Estate Financing


Why EWL FINANCIAL?

Provide creative capital solutions with unmatched personal serviceCan fund any size business loan or equipment leaseWork with dozens of lenders for any type of credit situationFree initial consultation to determine your capital needsWe prepare your application and package your loan requestWe select the best funding source for your transaction.We are paid commission only on your loan funding

Over 250 flexible and aggressive funding sourcesCan fund almost any type of loan or leaseCan fund quickly, sometimes in a matter of daysCan fund loans that banks won’t approve (income/credit problems/start ups)


What do clients tell us they want

Gain financial benefitsLower costs

Access capitalMinimize financial/accounting impact

Stretch budget/get more with less

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Ease of doing business Simple to deal with

Fast/responsiveFlexible/customized

End-to-end lifecycle management

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Trustworthy partner Integrity, ethical, honest, equitable

Offers sound advice

ReliableHas a long, certain future

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Capable partner Unlocks innovation

Expertise: financial/technology

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Minimize risk Technology

Environmental

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Scope/breadthGlobal reachTotal solution

Leader

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Financing can be smarter than outright purchase

Gives immediate access to capitalEnables innovation; to differentiate your business model and productsLowers total cost of ownership (TCO)Transfers the risk of obsolescence to an external organizationAssist with cash flow management

Financing can be simpler than outright purchase

Gives clients the ability to finance a multifaceted solution through a single contract

Financing offers the opportunity to partner with an expert in the field

Expert insight and assistance from a partner who knows your business modelA financial plan for the life of your solutionHelp with evaluating finance-versus-purchase decisionsCash management solutions to improve business management

The benefits of financing


Leasing versus purchasing: a smarter choice, for a number of reasons

reduces risk and provides a hedge against technology obsolescenceoffers payment and term flexibility tailored to match entire project provides flexibility to add or reduce capacity based on business needpreserves cash and credit lines for more strategic investments enables more acquisition within current budgetaccelerates implementation of more attractive new technologiesreduces total cost of ownership and improves price-performanceimproves key financial measurements such as return assets or debt-to-equity ratios

Leasing can benefit businesses of all sizes:


Smarter financial decisionsEWL FINANCIAL can help you conserve cash, give immediate access to capital, lower total cost of ownership and support your overall financial objectives

Customized to your needs EWL FINANCIAL provides financing solutions tailored to your unique business needs

Simpler experience EWL FINANCIAL can help you simplify your entire financing process

Partnership across the lifecycleEWL FINANCIAL is a proven partner dedicated to your success, from acquisition and use to disposal of your information technology assets

Single source financing EWL FINANCIAL offers complete financing services that help you optimize value from your investment in financial and leasing solutions

The benefits of choosing EWL FINANCIAL

No matter your size or your industry, you need to unlock innovation in order to differentiate your business model and products…


Working Capital LoansAsset Based LendingLines of CreditMergers and AcquisitionsPurchase Order FinancingAccounts Receivable LoansCredit Card Receivable LoansCommercial Real Estate FinancingFranchise Financing

EWL FINANCIAL portfolio

LOANS LEASING

No down payment100% financingLow monthly paymentsTax deductible paymentsPreserves capital and credit lines

FACTORING

EWL Financing

The FASTEST way to inject cash into your business:

Get cash without creating debtNo minimum dollar amountNo maximum dollar amountRelieves you of the collection process


Simple, smart client financing choices…

Financing offerings to enable innovation in…

Business processesProductsServicesBusiness modelsManagement and culturePolicy and society

…for clients of all sizes


…designed for small and large-size businesses

With EWL FINANCIAL, you have easy access to capital, leases, loans and buyback services for the complete financing solution, thus preserving precious cash for more strategic investments.

Streamlined processes ― simple two-page contract for all items, regardless of vendor, with easier approvalsPredictability ― single contract, single periodic payment, with fair and equitable terms and conditionsCompetitive rates on smaller transactions products, services and maintenance, with simplified eligibilityEnhanced software and services financing, without any hardware required on most small dealsUpgrade options, buyback and disposal services available throughout the life of your investment


…customized for large enterprises

Customized financing facilities that include solution financing and technology leases with competitive rates and incentives

Expert assistance — dedicated account managers to help structure individual financing solutions

Asset management across the lifecycle–

Easy online tool and support through EWL FINANCIAL

Asset disposal–

Asset Recovery Solutions to provide effective exit and retirement strategies for existing hardware


…customized for your solution

EWL FINANCIAL Financing™

Only EWL FINANCIAL can help realize the full value of innovation

by integrating technology into the fabric of business:

the ability to consult, design, build, run and finance

EWL FINANCIAL Project Financing provides a customized, all-inclusive financial package for business transformation, consulting or a solution initiative

Among its many unique features and most compelling benefits for clients, EWL FINANCIAL Project Financing:

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Facilitates project approval, preserves cash flow and credit lines, matches cost outlays with projected benefits and enables self-funding

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Covers the entire project and all deliverables, including

business services and technology services, hardware and software

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Integrates all costs and payments in one place and meets the CFO’s requirements through financial structuring capabilities

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Improves budget management with predictable costs and accelerates project and ROI benefits

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Provides the equivalent of just-in-time, privately placed bond financing at an attractive rate


…tailored to meet your business requirements

Payables–

Cash flow benefits

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Meet supplier commitments

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Gain discounts

Suppliers Inventory Receivables

Procure to pay

Order to cash

Inventory–

Cash flow benefits–

Risk management–

Logistical support–

Opportunity costs

Accounts receivable–

Cash flow benefits–

Collections, risk management

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Completes process outsourcing cycle

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Leverage efficiencies

Supply Chain Financing: Providing working capital to clients


EWL FINANCIAL Working Capital Solutions to help your business grow

Working capital offerings….Payables Financing

Inventory Financing

Accounts Receivable Financing

…that help youIncrease your credit capacity

Reduce risk

Drive more sales

Enhance your cash flow

Obtain incremental profit

Secure supplier discounts

Optimize use of your assets


Key points about EWL FINANCIAL

Smart financial decisionsCompetitive rates to help conserve cash, give immediate access to capital, lower total cost of ownership and support your overall financial objectivesCustomized offerings and contracts for businesses of all sizes The flexibility to upgrade or update your technology during the financing term

Simple experienceStreamlined contracts and fast turnaroundsSingle-source financing that covers business services and technology services, hardware and software

Partnership for the lifecycleIt’s in our best interest to work for your best interest ― we partner with you, from acquisition and use to disposal of your information technology investments


For more information about EWL FINANCIAL, please visit or call: 1- 888-343-4799

www.ewlfinancial.com

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