The Wirt-Rivette Group

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Special Rate Leasing Program

The Special Rate Program provides clients with a rate that is 2-4% below their bank's traditional rate. This allows clients the opportunity to receive the various benefits associated with a lease, while still maintaining their current banking relationship. The client also receives a lower monthly payment.

Term (mos)	Lease Rate	Bank Rate	Payments at closing	Buyout (Residual)
24	4% Below Bank Rate	Individual Standard Loan Rate	First & Last Months	10% of the Stream of Payments
36	3% Below Bank Rate	Individual Standard Loan Rate	First & Last Months	10% of the Stream of Payments
48	2% Below Bank Rate	Individual Standard Loan Rate	First & Last 2 Months	10% of the Stream of Payments
60	2% Below Bank Rate	Individual Standard Loan Rate	First & Last 2 Months	10% of the Stream of Payments

*Subject to final credit approval by the bank.

The Special Rate Program applies to all types of new or used equipment.

Recent transactions range from $50,000-$950,000.

Examples include:

• Commercial/Office: Computers, copiers, fax machines, furniture, phones
• Industrial: Forklifts, CNC machines, lathes, presses, cranes, trailers
• Medical/Dental: EKG machines, x-ray, cosmetic surgery, lab equipment
• Sale Leasebacks: Refinance existing equipment to receive working capital

Our efficient, personal service provides quick responses with these simple steps:

1. The Wirt-Rivette Group (WRG) makes arrangements for the Bank to purchase each lease on a recourse basis at the rate the BANK desires from the CLIENT.

2. WRG provides the CLIENT a lease rate that is at least 2% below the BANK's rate.

3. WRG prepares the lease documents.

4. CLIENT signs lease documents and makes closing payments to WIRT.

5. CLIENT orders equipment from their vendor and takes delivery.

6. CLIENT authorizes WIRT to pay the vendor after the CLIENT confirms that the equipment is acceptable.

7. BANK purchases remaining lease payments from WIRT at CLIENT's loan rate.

8. WRG pays the vendor for the equipment, including any sales tax or the BANK pays the vendor and WRG issues a check to the BANK at closing for the interest shortfall.

9. CLIENT makes remaining lease payments directly to the BANK.

10. CLIENT makes buyout payment to WIRT to purchase the equipment at the end of the term.