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We are pleased to introduce our firm to you, Coastal Leasing, Inc., an independent equipment leasing and

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We are pleased to introduce our firm to you, Coastal Leasing, Inc., an independent equipment leasing and financing company established in 1980. Coastal Leasing has the capability of financing, on a national basis, most types of equipment, however, the companies concentration is within the medical, video/broadcasting and graphics arts industries. You will find below, information which pertains to our capabilities, finance programs, special finance tools and general information for your review and consideration. All you need is click on the links below and they will take you to that specific section or scroll down for a total review. Please print or save for your future reference.

Please click on the links below to navigate.

¾ ABOUT OUR COMPANY

¾ WHAT MAKES US DIFFERENT?

¾ OUR FINANCIAL PRODUCTS

¾ OUR CAPABILITIES

¾ COMMONLY UTILIZED LEASE PLANS

¾ SOME ADVANTAGES OF LEASING

¾ SAMPLE OF COMPLETED TRANSACTIONS

¾ E-FINANCE NEWS

For more information, regarding Coastal Leasing, Inc., please visit our website at www.coastalleasing.com

or call us at the below listed phone numbers. We look forward to being of service!

5310 N.W. 33rd Avenue, Suite 114, Fort Lauderdale, FL 33309 Phone: (954) 486-4343 Nat’l : (800) 346-9349 Fax: (954)486-4347 Website: www.coastalleasing.com Email: sales@coastalleasing.com

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Our Company...

Since its inception in 1980, Coastal

Leasing, Inc. has been a

progressive, service oriented

provider of equipment lease

financing to a wide spectrum of

American industries on a national

basis.

Over the past 26 years, Coastal Leasing has invested substantial amounts of time and

capital in developing state of the art technology which includes: an automated lease

application and tracking system, which interfaces directly with the company's distributors

so as to provide the distributor and the lessee with the highest level of customer service;

web-based and off-line lease calculators enabling Coastal’s sales staff, vendors and

brokers to calculate lease payment quickly and efficiently under numerous different lease

plans; the ability to immediately generate formal lease quotations, applications and

proposals for client consideration along with the capability to submit on-line lease

applications.

The financial commitment of the company was made with the belief that the U.S.

economy will continue to experience substantial growth with dramatic technological

advancements. Thus, the equipment lease financing industry will play an ever-increasing

role in financing the demands of the U.S. and international marketplace.

As a further introduction, you will find on the enclosed pages information, which pertains

to our general business philosophy, services, source of funds, financial product offerings,

types of equipment that we lease, under what type of arrangements along with examples

of recently consummated transactions. This information is being supplied to you in hopes

of giving you a better understanding as to the capabilities of Coastal Leasing. For

additional information, please visit our web site at

www.coastalleasing.com

.

Coastal Leasing Inc. 5310 NW 33rd Ave., Suite 114 Fort Lauderdale, FL 33309 Local: (954) 486-4343 Nat'l: (800) 346-9349 Fax: (954) 486-4347 Email: sales@coastalleasing.com Back

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What Makes Us Different... ?

Coastal Leasing was created and

is being developed on an ongoing

basis with the client in mind. Our

goal is client satisfaction through

innovative service and

personalized attention. Coastal

Leasing is the source you can

count on, assuring you of:

♦ Quality

♦ Professionalism ♦ Sensitivity

♦ Business solutions that make sense

Our Services

Providing manufacturers and distributors with creative captive programs that turn prospects into clients is an ongoing Coastal objective. High on their list of needs is creativity, flexibility, quick credit decisions and prompt payment.

In response to those needs, Coastal offers: ♦ Timely commitments

♦ Straightforward documentation ♦ Competitive rates

♦ A dependable source of capital for all size transactions

♦ Ongoing financial training to direct and indirect marketing personnel ♦ Customized program materials

♦ Individualized attention

Providing lessees with individualized attention allows Coastal Leasing to tailor-fit the lease contract so as to meet the lessee’s specific needs. In response to those needs, Coastal Leasing offers: timely commitments customized contracts which include interim funding and structured repayment schedules to match lessee cash flow requirements, competitive rates and a dependable source of capital for all sizes of transactions.

Our Source Of Funds

A continuous flow of funds is available to Coastal Leasing from numerous sources, which include: ♦ Internal means ♦ Commercial banks ♦ Credit institutions ♦ Pension funds ♦ Income funds ♦ Lease securitizations ♦ Individual investors ♦ Corporate investors

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Our Financial Products...

As a progressive, service-oriented

provider of equipment financing,

Coastal has the capability to fund

transactions on a national basis via

a full range of financial products

which includes:

Tax-Oriented Leases

- also referred to as true leases, are lease contracts where the

lessor-owner of the equipment is entitled to the tax depreciation deductions with the

lessee-user of the equipment entitled to the tax payment deduction.

Lease Purchases

- often referred to as non tax-oriented or lease finance agreements, are

lease contracts whereby the lessee-user of the equipment may take the tax deduction of

depreciation and the interest portion of each rental payment.

Master Lease Lines -

rather than the lease contract being that of a single transaction

pertaining to specific equipment, a master lease governs a continuing arrangement with

the subsequent execution of separate schedules defining equipment configurations and

repayment terms.

Sale/Leasebacks

- allows a company who already owns equipment to sell it to a leasing

company and lease it back. These types of contracts can be of either a tax or non-tax

oriented nature.

Chattel Mortgages/Loan & Security Agreements

- represent contracts in which the

user of the equipment owns the equipment to be financed and grants the lender a lien on

the property as a security for the payment of the obligation.

Repayment Terms -

are available under structured payment schedules (moratorium,

step-up, seasonal, level) with extended repayment periods (1 – 7 years) with varying end

of lease options (FMV, 10%, 5%, 1% or $1).

Coastal Leasing Inc. 5310 NW 33rd Ave., Suite 114 Fort Lauderdale, FL 33309 Local: (954) 486-4343 Nat'l: (800) 346-9349 Fax: (954) 486-4347 Email: sales@coastalleasing.com Back

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To Sum It Up...

Coastal Leasing is an established, 26 year old, equipment financing company that specializes in financing equipment within most industries. Detailed below, you will find general information that pertains to our products and services.

Our Vendors & Lessees:

¾ Businesses located in the continental USA

¾ Corporations, LLC, Partnerships and Proprietorships with minimal time in business requirements.

¾ 2 years minimum time In business (exception for medical practitioners) The Equipment:

¾ Most types of equipment (100% software as well) ¾ New, reconditioned, refurbished or used

¾ Cost between $5,000 and $5,000,000 We Offer:

¾ Traditional lease, loan & per usage finance products ¾ Competitive fixed rate pricing

¾ 100% financing (including soft costs such as freight, training, maintenance etc.) ¾ Lease terms from 6 TO 84 months under level or structured repayment schedules

(moratorium, skip, graduated, per usage) with varying end of lease options (fair market value, 10%, 5%, $1)

¾ Vendor progress payments, up to 75% of equipment cost, prior to equipment delivery

For Your Information:

¾ Credit application only up to $75,000 for commercial ¾ Credit application only up to $150,000 for medical

¾ Start up physician program up to $75,000 (no time in business required) ¾ Finance request over credit application amount requires standard financials

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Coastal Leasing is pleased to present The

Snap

Lease

Program with

repayment structures as indicated below……..

10% Purchase Option Program - Lease Plan 1

Rental Deposits = 2 payments (applied first & last lease rental payments) Purchase Option = 10%

Rental/Sales Tax = Based upon equipment and or lessee location

General Information =This plan provides for lease terms from 36-60 months in duration under a level

repayment schedule with a 10% option to purchase at lease end. 1% Purchase Option Program - Lease Plan 2

Rental Deposits = 2 payments (applied first & last lease rental payments) Purchase Option = 1%

Rental/Sales Tax = Based upon equipment and or lessee location

General Information = This plan provides for lease terms from 36-60 months in duration under a level

repayment schedule with a 1% option to purchase at lease end.

90 Day @ $50-10% Purchase Option Program - Lease Plan 3

Rental Deposits = 2 payments (applied first & last lease rental payments) Step Up Payments = $50 payments for the initial 3 months of the lease term Purchase Option = 10%

Rental/Sales Tax = Based upon equipment and or lessee location

General Information =This plan provides for lease terms from 36-60 months in duration with a 10% option to

purchase at lease end. Regular lease payments begin after the initial 3 months of $50 per month payments! 90 Day @ $50-1% Purchase Option Program - Lease Plan 4

Rental Deposits = 2 payments (applied first & last lease rental payments) Step Up Payments = $50 payments for the initial 3 months of the lease term Purchase Option = 10%

Rental/Sales Tax = Based upon equipment and or lessee location

General Information =This plan provides for lease terms from 36-60 months in duration with a 1% option to

purchase at lease end. Regular lease payments begin after the initial 3 months of $50 per month payments!

90 Day @ $50-1% @ 9 mos.-1% Purchase Option Program - Lease Plan 5

Rental Deposits = 2 payments (applied first & last lease rental payments)

Step Up Payments = $50 payments for the initial 3 months of the lease term followed by 9 monthly payments

equal to 1% of the equipment cost

Purchase Option = 1%

Rental/Sales Tax = Based upon equipment and or lessee location

General Information =This plan provides for lease terms from 36-60 months in duration with a 1% option to

purchase at lease end. Regular lease payments begin after the initial 3 months of $50 per month payment and the following 9 monthly lease payments equal to 1% of equipment cost!

For additional information regarding these programs and other leasing options, please contact Coastal Leasing, Inc. at 800-346-9349 or e-mail to sales@coastalleasing.com

The Snap Lease From Coastal Leasing!

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THE ADVANTAGES OF LEASING

For most companies, the most attractive benefit of leasing is its low cost. However, there are many other reasons companies choose to lease rather than purchase equipment via conventional financing. Since each company’s situation is unique, we’ve listed several reasons below, any one of which may be significant enough to cause leasing to be the most attractive financing alternative.

Lease rental payments are made from pre-tax rather than after-tax earnings.

A lessee may be able to amortize the cost of equipment faster through tax-deductible rentals than through depreciation and after-tax cash flow.

Loan covenants

Depending upon the language and intent of covenants in existing loan and note agreements, a lease may provide financing not otherwise permitted by them

Fixed rate lease payments

A predetermined rent payment schedule permits a lessee to more accurately predict its future equipment costs and cash needs. In addition, by leasing major equipment items, a lessee knows the exact amount of future payments and avoids the risk of fluctuations in the cost of funds.

Payments coordinated with cash flow.

Within certain limits, payment schedules can be designed to coincide with earnings generated from the equipment use. Seasonal activity patterns or projected business growth can be taken into consideration. Because the timing of lease payments can be arranged to follow normal business cycles, leasing offers a flexibility that may not be available to a lessee with other financing methods.

Convenience

Leasing is often more convenient than alternate means of financing. Documentation is usually simple and more flexible than other sources of capital, such as debt and equity.

Capital Conservation

Leasing allows an additional opportunity to put valuable capital to work for corporate expansion, research, inventory purchases and other profitable uses.

100% Financing

Leasing can cover the entire cost of the equipment (software), including freight and installation, without down payment or compensating balance requirements.

Preservation of Credit Lines

Leasing preserves existing lines of credit for previously earmarked projects, short term or seasonal needs and other financial priorities, while at the same time creating another valuable credit source. Obsolescence Protection

Leasing can make in time equipment replacement easier to achieve. This can be achieved by structuring a lease term equal to an equipment’s economic rather than depreciable life, eliminating ownership’s natural tendency to “make do” and postpone replacement until depreciation has run its course.

Overcome Budget Limitations

Leasing can provide a prudent method of dealing with budget ceilings that preclude the acquisition of needed equipment. It is frequently possible to provide a lease to match available budgeted dollars and at the same time allow for the procurement of far more equipment than possible under other purchase plans.

Utilization of Tax Benefits

Leasing can offer low cost financing by the lessor retaining certain tax benefits, such as accelerated depreciation, which the lessee cannot fully utilize. The savings generated by utilizing these benefits can be passed on to the lessee in the form of reduced rental payments.

For additional information, please contact Coastal Leasing at 800-346-9349, or e-mail

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Types of Transactions Coastal Leasing Has

Done Lately!

LESSEE

Professional Sports Team

Hospital

Medical Diagnostic Center

Medical Imaging Center

Moving & Storage Co.

College

Medical Diagnostic Center

Medical Imaging Center

Medical Surgical Center

Physician Group

Collection Agency

Gold Refinery Co.

Physician

Physician

Commercial Printer

Graphic Design Co.

Freight Hauler

Gas Station

EQUIPMENT

360 Plasma Screens

PACS

Mammography System

Mammography System

Mobile Storage Units

Audio/Video Equipment

Breast Biopsy System

PACS

C-Arm

Stereotactic Table

Phone System

Refinery Equipment

Optometry Equipment

Ultrasound

Wide Format Printer

Audio/Video Equipment

Computer Equipment

Security System

COST

$1,937,000

$878,000

$413,300

$350,000

$268,000

$199,985

$174,800

$173,000

$98,500

$97,500

$95,000

$63,514

$53,490

$41,500

$39,394

$35,136

$23,001

$16,197

5310 N.W. 33rd Ave., Suite 114, Fort Lauderdale, FL 33309 Phone: (954) 486-4343 NAT'L: (800) 346-9349 FAX: (954) 486-4347

Website: www.coastalleasing.com E-mail: sales@coastalleasing.com

Los Angeles • New York • Miami

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December 14, 2005 Volume 1, Number 2

In This Issue

• Fed Hikes Rates

• Treasury Rates On The

Rise

• IRS Section 179

Category of Links Finance & Tax Links Estate Planning Links News Links

Sales Links

Accessing links requires that you mouse over the Click Here, hold down CTRL on your keyboard, when finger pops up, click your mouse!

Finance & Tax Links

Click Here To Visit Site Credit guard is a free calculator site with numerous calculators! Click Here To Visit Site Money gives you the most current key interest rates + more regarding rates Click Here To Visit Site UnclFed’s tax board is a complete online site for tax relief!

Estate Planning Links

Click Here To Visit Site LegalZoom is an excellent legal reference site without the need to contact and attorney, unless you wish to do so!

Fed Raises Federal Funds Rate to 4.25% With

Treasury Rates Headed Upwards As Well!

Thus, The Longer One Waits To Finance …..

The More The Purchase Is Going To Cost! Washington (AP) - The Federal Reserve lifted interest rates to the highest level in 4 1/2 years Tuesday, but also indicated its 18-month rate-raising campaign was winding down. At least one more increase in borrowing costs seemed in store to keep inflation under control. Chairman Alan Greenspan and his Fed colleagues voted unanimously to boost the federal funds rate, the interest banks charge each other on overnight loans, by one-quarter percentage point to 4.25 percent. In response to the rate increase, commercial banks began increasing their prime lending rate-- for certain credit cards, home equity lines of credit and other loans -- to 7.25 percent, also the highest in 4 1/2 years.

It was the 13th consecutive increase of that size since June 2004. That's when the Fed policy-makers embarked on a credit tightening campaign to lift the funds rate — which had been sliced to a 46-year low of 1 percent when the economy was faltering — to more normal levels.

The charts, as indicated below, clearly detail where rates have been, where they are now and where they are headed. Thus, the continuing increase in the cost of financing sends a clear message that now is the time to buy, whether one uses conventional bank, lease or other alternate financing.

10-year Treasury note

10-year Treasury note

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