www.ftlfinance.comsales@ftlfinance.com or info@ftlfinance.com

Use product codes when completing customer/funding documents.

Contract Amount x Monthly Payment Calculator=Monthly Payment

x =THE FINANCE LEASE CALCULATOR

FTL FINANCE 2014PRODUCTS AND PROGRAMS

Contract Amount x ESC Payment Factor = Monthly Payment

x =THE ESC CARD CALCULATOR

FINANCE LEASE OR PRODUCT CODE INTEREST RATE MONTHLY PAYMENT ONE TIME RETAIL INSTALLMENT LOAN CALCULATOR (MPC) CONTRACTOR COST

REGULAR FINANCING

90 DAY SAC NO PAYMENT DUE DURING SAME AS CASH PERIOD (NO MINIMUM MONTHLY PAYMENT REQUIRED)

6 MONTH SAC NO PAYMENT DUE DURING SAME AS CASH PERIOD (NO MINIMUM MONTHLY PAYMENT REQUIRED)

12 MONTH SAC NO PAYMENT DUE DURING SAME AS CASH PERIOD (NO MINIMUM MONTHLY PAYMENT REQUIRED)

60 MONTHS L1260 17.99% 0.02949 12.00% 84 MONTHS L1284 18.99% 0.02528 12.00%

36 MONTHS L9036 13.99% 0.03494 2.90%48 MONTHS L9048 14.99% 0.02849 2.90%60 MONTHS L9060 17.99% 0.02611 2.90%84 MONTHS L9084 18.99% 0.02226 2.90%

60 MONTHS L0660 17.99% 0.02725 4.90%84 MONTHS L0684 18.99% 0.02327 4.90%

36 MONTHS LR0036 13.99% 0.03414 NONE48 MONTHS LR0048 14.99% 0.02781 NONE60 MONTHS LR0060 17.99% 0.02537 NONE84 MONTHS LR0084 18.99% 0.02158 NONE

1.800.981.9032 Press Option 3 for Contractor Support

FTL ESC CARD PRODUCT CODE INTEREST RATE PAYMENT ONE TIME (REVOLVING CREDIT ACCOUNT) FACTOR CONTRACTOR COST

INTEREST OPTION

INTEREST OPTION

REGULAR ER139 13.99% 1.60% 3.25% ER179 17.99% 1.90% NONE 6 MONTH DEFERRED E06139 13.99% 1.60% 7.90% (MINIMUM PAYMENTS REQUIRED) E06189 18.99% 2.00% 3.50% 12 MONTH DEFERRED E12139 13.99% 1.60% 12.00% (MINIMUM PAYMENTS REQUIRED) E12189 18.99% 2.00% 8.9%

(FIRST PAYMENT DUE IN 30 DAYS)

www.ftlfinance.comsales@ftlfinance.com or info@ftlfinance.com

Use product codes when completing customer/funding documents.

SUCCESSFUL SELLING WITH FINANCING FROM FTL FINANCE

CONTRACTOR REDUCED RATE PROGRAMS COURTESY OF YOUR BLUE HAWK COOPERATIVE MEMBER

Customers not meeting our standard credit profile may be offered financing through our risk program. The project is charged a fee that is a percentage of the total job. This risk fee is applied at funding and is a fee that is charged to the contractor.

RISK FEE

Conditions and Stipulations for the Deferred/No Interest Options

Finance Lease Option90 Days Same As Cash (SAC): First payment is not due until 90 days from the date of the contract. If the customer pays the entire amount by the end of the 90-day SAC term, they are not charged interest for the period. Payment in full must be received prior to the end of the 90-day period for the finance charges to be waived. If payment is NOT received in full by the end of the 90-day period, the finance charges for the 90-day period will accrue from the original date of the contract and on the original financed amount. 6 Month Same As Cash (SAC): First payment is not due until 6 months from the date of the contract. If the customer pays the entire amount by the end of the 6-month SAC term, they are not charged interest for the period. Payment in full must be received prior to the end of the 6-month period for the finance charges to be waived. If payment is NOT received in full by the end of the 6-month period, the finance charges for the 6-month period will accrue from the original date of the contract and on the original financed amount. 12 Month Same As Cash (SAC): First payment is not due until 12 months from the date of the contract. If the customer pays the entire amount by the end of the 12-month SAC term, they are not charged interest for the period. Payment in full must be received prior to the end of the 12-month period for the finance charges to be waived. If payment is NOT received in full by the end of the 12-month period, the finance charges for the 12-month period will accrue from the original date of the contract and on the original financed amount. ESC Card Option 6 Month Same As Cash (SAC): First minimum monthly payment is due 30 days from the date of the contract. The minimum monthly payment is 5% of the principal balance or $35.00, whichever is greater, and is based on the average daily balance. If the customer pays the entire amount by the end of the 6-month SAC term, they are not charged interest for the period. Payment in full must be received prior to the end of the 6-month period for the finance charges to be waived. If the payment is NOT received in full by the end of the 6-month period, the finance charges for the 6-month period will accrue from the original date of contract and on the original financed amount. 12 Month Same As Cash (SAC): First minimum monthly payment is due 30 days from the date of the contract. The minimum monthly payment is 5% of the principal balance or $35.00, whichever is greater, and is based on the average daily balance. If the customer pays the entire amount by the end of the 12-month SAC term, they are not charged interest for the period. Payment in full must be received prior to the end of the 12-month period for the finance charges to be waived. If the payment is NOT received in full by the end of the 12-month period, the finance charges for the 12-month period will accrue from the original date of contract and on the original financed amount.

Original Purchase must be equipment with a model and serial number. Services financed without a model and serial number must be less than $5,000. Subsequent purchase require approval and may require that the customer’s credit be checked.

Rates are subject to change without advance notice BH 03/2014

FINANCE LEASE OR PRODUCT CODE INTEREST RATE MONTHLY PAYMENT ONE TIME RETAIL INSTALLMENT LOAN CALCULATOR (MPC) CONTRACTOR COST

6 MONTH SAC NO PAYMENT DUE DURING SAME AS CASH PERIOD (NO MINIMUM MONTHLY PAYMENT REQUIRED)

12 MONTH SAC NO PAYMENT DUE DURING SAME AS CASH PERIOD (NO MINIMUM MONTHLY PAYMENT REQUIRED)

60 MONTHS BL1260 17.99% 0.02949 7.90%84 MONTHS BL1284 18.99% 0.02528 7.90%

60 MONTHS BL0660 17.99% 0.02725 3.0%84 MONTHS BL0684 18.99% 0.02327 3.0%

1.800.981.9032 Press Option 3 for Contractor Support