KLC Financial, Inc.

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Company Overview KLC Financial, Incorporated was established in 1987 as a premier equipment leasing company. Our founder, Marc Keepman, has over 25 years of comprehensive leasing experience. Our executive staff and sales team have collectively more than 100 years of experience in leasing and finance. KLC is a market leader in providing lease solutions between $3,000 and $3,000,000+ for all types of businesses and all types of equipment and software. We cover all facets of lease financing, and do not specialize in any one industry or particular “credit mold ”. KLC has been chosen as a strategic partner by many established equipment dealers, banks and other leasing companies to provide leasing programs on their behalf, because of our vast knowledge, experience and resources. Our customers range from Fortune 500 companies down to lower middle market businesses and “Mom & Pop ” ventures. These relationships have translated into $35 million in lease transactions annually. We have found the market today to be growing, and demanding on leasing companies. Leasing companies today must structure sophisticated lease financing plans in simple terms to get their share of business. At KLC, we have found this to be our strength in a world of consolidation where the giants in the industry tend to have no time for customer service. KLC ’s path has been chosen cautiously, as we prefer to build volume profitably, while establishing solid, long term relationships with our customers, investing partners and referral sources. The Value of Referral Partners KLC Financial places great importance on the development of solid relationships with its referral partners. Within each partnership, it is our goal to develop, maintain and nurture a mutually beneficial relationship by providing our financing services to allow you and your sales staff to close sales that may not otherwise be closed. We do this by taking a "can do" approach to our approval process, rather than simply turning away a financing opportunity due to, tough credit, limited (or no) time in business, prior bankruptcy, history of business losses, etc. We spend the time to get to know your client and figure out a way to approve their financing, as opposed to determining a reason to turn them away. In many cases we are positioned as a "second chance" for your valuable client base providing our services by getting to know your client and their story. There are many instances where a client is placed in a tough situation and just needs a partner to listen to their story. This is our SPECIALTY! We apply our vast knowledge of the finance industry to do the deals that "make sense". Again, it is our goal to develop, maintain and nurture our relationship with you, our referral partner, to increase your sales by providing creative financing for client base. Benefits of Equipment Leasing Many companies lease equipment because leasing provides the best means of preserving working capital. By leasing, companies can obtain the use of the most equipment with the lowest cash outlay. Frequently, the questions of tax advantages, interest rates, and financial structure arise.

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