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FOREWORDToday… Blue Street Capital is the optimal finance partner to technology OEM's and their resellers, and an industry leader. Our “success formula” is simple and clear—we put people first. Forward-thinking educators have long recognized that a whole-child approach to teaching yields the most meaningful growth. At Blue Street Capital, we cultivate whole-humans. We’ve noticed that personal happiness, breadth of involvement, the energy of divergent ideas, and meaningful attachments are traits often trapped in the off-hours. Not here. We want to tap our most vibrant selves daily, to reenvision work as learning, creating, producing. It’s our culture.

Tomorrow… this culture can be yours. Right now we are standing on a rock-solid foundation on the precipice of incredible growth, from our portfolio to our physical plant to our human capital. We can see our future—vividly—and it’s big. But don’t just believe us because we say so. Let us show you Blue Street Capital, three years out. We’re fired up to share it with you.

The year is 2020.

Like today, our team is focused, passionate, hardworking and happy. They’re having fun. Blue Street Capital continues to add massive value to the lives and livelihoods of our employees, customers, and partners, which makes us a workplace beyond compare. We encourage our employees to take the time to follow their passions: surf when the surf is firing, always ski powder, and indulge the urge travel. Our corporate culture is renowned, ranking it “one of the best places to work” in the United States.

This kind of personal satisfaction breeds progress. As a result of our workplace philosophy, we’re not only the leader in technology financing, but a leader in business and within our communities as well. Customers and vendors view us as a partner, their most trusted consultant. Our operational efficiencies are often compared to that of Southwest Airlines. And the numbers keep growing.

Now, let’s zoom in.

HEADQUARTERS

Our new headquarters radiate positivity. Steps from the sand in Surf City USA, our office hosts training seminars and events for customers and partners worldwide. We generate so much business within these walls, it’s literally buzzing with energy. Visitors marvel at this vitality and the surfboard racks and beach cruisers parked at the entrance. They can clearly see we use them daily. We have post-surf, outdoor showers, an on-site daycare facility, and countless gyms nearby. We subsidize healthy lunches and snacks to promote well-being. The Blue Street Capital headquarters are viewed as one of the most desirable workspaces in Orange County.

THE BIG PICTURE

In addition to our headquarters complex, we have regional offices run by V.P.’s and G.M.’s throughout the United States. Each of these satellite offices has a growing team to support new partners and customers with our signature attention. And, each office enjoys the same culture and sports the racks—ski, golf club, bike, whatever—to prove it. (Blue Street Capital training and meeting rooms are all named after sports.) There are no cubicles in any of our workspaces; the floorplans are open to connect all faces of our business. Leadership and managers sit alongside teammates to encourage collaboration, spontaneous brainstorming, and constant communication. We do not lead behind walls.

The most important room at headquarters is called the “Think Tank.” This is a quiet room where people can go to rest in “nap pods” or think and write without interruption. Cell phones are not permitted. We frequently host educational and motivational speakers in our state-of-the-art media room… in between video-game tournaments. And our amazing training room, a.k.a. the “Green Room,” is not only geared to internal training sessions but to our partners as well who frequently host training events for vendors and solution-providers from all over the world.

Every Friday, we offer tours of our unique work environment for the curious; this weekly tour has created more partnerships and garnered more employees than sales, marketing, and advertising combined.

And, needless to say, informal social events and parties are a staple at our Blue Street campus.

BALANCE & CULTURE

“We let our people surf!” said Yvon Chouinard, outdoor-industry billionaire businessman and founder of Patagonia. This single statement encompasses our conviction that work-life balance is critical to success. Be it skiing, golfing, biking, running, yoga, cross-fit, basketball, judo or any other activity you’re passionate about. We hire people who want to live.

Our 5-Hour Workday

To us, freedom is the ultimate benefit. As such, we developed a now-famous 5-hour workday. Blue Street people work from 8:00 a.m. to 1:00 p.m. daily. Our employees can be universally described as “A players” who can take care of business within any time frame. Since the advent of the Industrial Age, studies have shown that going without a lunch, taking limited breaks, and applying a laser focus over five hours delivers greater productivity than a typical eight-hour day.

Lifelong Learning

Our culture fosters the kind of continuous learning that supports creative thinking.

• We lead a monthly book club where employees discuss industry-relatedtexts in a group setting.

• We run monthly financial statement analysis where we explore credit andensure employees are comfortable reading the financial statements of theirprospective clients.

• We give incentives for our employees to consistently improve and growthrough Coursera, Dale Carnegie, Khan Academy and many other third-party personal development avenues.

• We take annual trips to the mountains and host regular off-site meetings at great local destinations.

• We are regularly featured in Inc. Magazine, Outside Magazine and other leading publications as one of the best places to learn at work.

We are are not only leaders in our industry and our communities, we lead by improving lives.

Leadership: Meet the visionaries

• Board of Trustees• CEO• President• CFO• CSO/VP of Sales• VP of Operations• Head/VP of HR.

Under this leadership, we align, support, and enable teams. We don’t “hold A-players accountable.” We simply support. We work strategically in every facet of our business and spend a great deal of mental capital looking to the future. As a business we are committed to the growth of all who are associated with us, especially our employees. We stay focused on our core value—the person growth of each of Blue Street Capital individual. Our leadership executives see themselves as coaches in business and life; we are proactive in our approaches and encourage feedback from all levels of the company.

People

Businesses don’t grow, people do.

Employees are the stars of our team. They are personally invested in our successes and share our vision to be a business without competition. They thrive on our growth. Why? Because they feel valued, have crystal-clear roles and goals for their position and can actively formulate their own career paths; our employees are empowered to cultivate greatness. Everyone enjoys coming to work here and believes in what Blue Street Capital is accomplishing. In turn, Blue Street pledges to continuing employee growth and development, and—most notably—takes an active role in helping people executive dreams in their private lives.

We have a full-time “Dream Manager” dedicated to actualizing employee dreams. We’ve helped our people buy homes, purchase dream cars, send kids to college or simply set up sound financial plans to secure retirement. Most people’s dreams involve the care of their families; to us, family is priority.

Recruiting

One of the most important things we do as a business is identify talent to build our teams. We are alway on the lookout for candidates who are both qualified for the work and a cultural fit. Blue Street’s financial growth runs apace to the growth of our personal capital. It is critical that the people we hire possess the same kind of “growth mindset” that permeates our offices, partnerships and customer base. Striving to improve is paramount. We recognize that finding people who fulfill both requirements—qualifications and cultural affinity—are not easy to come by. That being said, there has been nothing more vital to the success of Blue Street than bringing the right people on board; that means we always hire with the company vision in mind.

We are transparent with candidates. We never sugarcoat or exaggerate the responsibilities of a role. We aim to be as transparent as possible across all mediums -- job descriptions, social platforms and the interview.

We want employees who will adopt Blue Street’s mission as their own. To ensure this, we clearly communication our company vision and action plan up front.

1/1/1 - Community Involvement

We commit 1% of our employee’s time, 1% of our equity and 1% of our product to people in need. We feed over 500,000 people each year through our partnership with “Stop Hunger Now.” Our reach goes well beyond fundraisers. Many of our employees are active in local schools and nonprofit organizations. It is the most natural manifestation of our firm philosophy: feed ourselves, feed our souls, feed others.

Our Core Values

Everybody lives by them, because everybody knows them. In fact, they’re on the wall.

• Trust• Family• Simplicity• Creativity• Hard Work• FUN• Education• Respect• Growth• Success

THE BOOK + THE BUSINESS

In 2020, Blue Street capital is funding over $50 Million annually and rapidly trending toward $100 Million within two years. But our full financial picture is richly multi-faceted:

We have $5 Million in our own portfolio with undoubted credits, and a warehouse line of $2 Million used to accumulate leases and sell to funding partners.

• We are now a fully-edged leasing company, creating massivevalue.

• We have the finance and credit controls necessary to withstandmarket depressions.

• We continue to pay unparalleled dividends to our stakeholders.• We have established a generous profit-sharing structure,

including 401K with a plentiful match, 529 plans, and stockoptions for key employees.

• We offer tuition reimbursement as well as a multitude ofassistance programs to assist and support employees inachieving their dreams.

Our employees know what is expected of them so they can clearly set, meet, and exceed their goals, and reap monetary reward. And, like our workspace, we are an open book. Our financials are shared company-wide, monthly.

Finance

Our finance team is committed to our company’s financial health, viability and future. It is because of their expertise that we have been able to successfully navigate our growth and grow our portfolio. We have fully integrated our accounting systems so that once a document package is complete, the funding transmittal is produced and uploaded into our accounting systems without human involvement. Blue Street Capital is as fully automated in every aspect of the business and is constantly focused on maintaining this automation to its competitive advantage.

Operations and Technology

Change is good. We are constantly brainstorming ways to increase efficiency, maximize potential, and think ahead. Our technology platforms are truly cutting-edge. We partner with Salesforce.com and frequently are engaged by them and others in related fields to speak at their conferences on best practices. We are a “one touch” shop. Transactional write ups are drawing much of the information from our systems and we are on a cadence of credit applications submitted and decisioned within hours of receipt from sales people.

Customer service improvements run apace with our other platforms. We respond to client inquiries within minutes and if we can’t solve the query immediately we commit to a clear time frame for resolution. We are fanatical with customer- and partner-service and follow up. Transactional documentation is fully integrated into our CRM and completing 100% accurate funding documents is a push of a button with the final package ready for signature. We remain passionate about streamlining operations to ensure we are leveraging technology to the extent possible.

We employ third-party billing and collecting for our financial partners’ portfolios. This gives us data on how our overall portfolio is performing and we regularly use that to show the quality of the transactions that we originate. We have perfected rapid customer onboarding, engagement, and integration processes. Our website has evolved with the industry. We embrace change and have a clearly defined IT budget plan. Technology is considered a true core competency and differentiation point in our business. Our technology drives and supports our sales process.

SALES

Our sales team dominates. Our dedication to hiring and keeping “A Players” who are team-oriented has paid off overwhelmingly. They are true consultants. Our sales staff is frequently engaged by our partners to help solve some of our biggest business challenges, from financing but also training, hiring and other strategic initiatives.

We invest in our sales employees by holding PSS sales training with quarterly updates, monthly third-party training sessions that focus specifically on the vendor-driven model, and macroeconomic learning sessions to guarantee that our employees are able to meaningfully engage at any “C” level with our customers and partners. In turn, we share our sales training programs with our vendors and partners.

We have a host of other business services that have stemmed from core competencies and we have become proficient in creating value for our partners. This ranges from HR, recruiting, to lead generation and operational efficiencies. We work diligently with the salesperson to provide earning transactions for learning and will invest in their growth as a business person and a professional.

A salesperson at Blue Street Capital is guaranteed success.

MARKETING

Our dedicated marketing team is killing it! They’ve redefined the term “Marketing Machine” and runs very much like our sales team. They are continually finding new business and have clear results that match that of our sales team. We’re often looked to as a go to source for information on the economy. Our messaging is, powerful, humorous and clear.

THE BRAND

Blue Street is a leadership organization that specializes in technology financing. We dominate this market because we consistently deliver excellence and massive value to our employees, customers and partners. Our Net Promoter Score (NPS) is consistently over 60% which is world class and far exceeds even the highest-level customer service companies such as Nordstrom and Southwest Airlines. We are a company with constant, never-ending innovation.

More importantly, Blue Street is a model for guidance, balance, growth, profitability and most of all fun. Our coveted 5-hour workday combined with our business success is changing the way the world works. Blue Street is in the “partnership” business. We are seen as a rock-solid, trustworthy, and contributors to growth of all associated with us.

Everyone wants to know what we do, and how we do it.

PARTNERS

Our partner-relationships are a strategic fit for both Blue Street Capital and our partners’ businesses. We become partners with our clients by helping their business; not just financing, but also referring clients to our vendors and vice versa. We are focused on providing our financial partners with the volume that they require in order for Blue Street to become meaningful to their businesses. We believe long-term partnerships are the lifeblood of our sustainability and profitability.

Our partners have all benefited from our expertise and approach to the market, and so has Blue Street Capital.

It is 2020. And, we are killing it.