Oklahoma City, Oklahoma Corporate Office Oklahoma City, Oklahoma Corporate Office Corporate Phone: Direct Fax: Web Site:

WHO WE ARE…. TFMS, Inc. TFMS, Inc. is a Veteran Owned – D&B Rated – BBB Accredited – Financial Consultancy Firm and Third Party Intermediary. We provide commercial loans, asset financing, and cash flow assistance to businesses within the continental United States. Our Mission Our Mission is to provide financial solutions for our business clients, and to use our resources and expertise in becoming a value-based partner for end users and vendors alike by affording them easy and flexible terms and access to speedy credit underwriting. Our areas of focus are Lines of Credit, Equipment Leasing, Invoice Factoring, Government Finance, and Consumer Contract Finance.

WHY DO BUSINESS WITH US? precise lender for your application When you shop your financing to separate lenders individually, your credit gets pulled by each company, resulting in a lowering of your credit score. Because we know the precise lender for your application, it is sent to that lender, resulting in only one credit inquiry on your record, maintaining your credit score. Bottom line we do the finance shopping for you help to maintain your credit score AND find you the LOWEST rate possible. We never charge upfront fees of any kind We never charge upfront fees of any kind. We believe in SUCCESS Fees, not upfront fees. Yes, we do incur costs to process your application and run it through our credit and analysis departments, but we believe that is our investment in you, our customer. Whether it's called a "processing fee", an "application fee", or an "administrative fee", we strongly advise you not to do business with any company that charges upfront fees.

Whether you're a business owner, a finance professional, an equipment sales representative, or a dealer seeking practical knowledge on Commercial Finance, Equipment Leasing, and other business credit vehicles – we are your source. Financing shouldn't be a mystery. The more you know about available options, the more you'll be able to utilize them to your advantage. That's the purpose of this presentation; to provide you with an educational resource that will help you run a more profitable business. Time is money. Dont play for weeks or months with an inexperienced broker. In todays financial climate we can get you the cash you need now. Let us help you today.

The following slides will give you brief information about our financial capabilities: Lines of Credit Equipment Leasing Invoice Factoring (Both USA and International) Government Finance Business to Consumer Contract Finance

LINES OF CREDIT A Line of Credit is a type of revolving loan with a preapproved credit limit, for a specified period of time. The line of credit gives the borrower flexible access to funds, whenever they need it. The funds available in the line of credit account can be withdrawn and used at any time during the life of the line of credit. The borrower can withdraw part or all available funds from his line of credit and they can also repay the funds back at any time. A line of credit can be unsecured or secured by an asset owned by the borrower. Usually the lender you have opened line of credit with will require a minimum monthly payment, which vary depending on the lender and the amount you have borrowed. The borrower has to repay everything they have borrowed on the line of credit on the maturity date of the loan. One of the major benefits of credit lines is the fact that they have low interest rate, and using a line of credit is very convenient. Another great benefit is that you can be flexible repaying your loan. If you have the funds you can repay everything borrowed on the credit line at once without a penalty. To summarize, a line of credit is a great way to have access to funds whenever you need it.

Commercial Lease Financing TFMS, Inc. is a full service equipment lessor that can provide a broad range of cost effective and flexible lease programs for its customers. We can customize any program to meet a customers cash flow needs. Why should you lease? leasing represents the best use of financial resources Companies choose to lease equipment because leasing represents the best use of financial resources. Businesses that do not lease operate at a competitive disadvantage. They deny themselves the productivity-enhancing effect of better equipment, which they could otherwise obtain. They operate with older equipment than they could otherwise afford. Ultimately, they may lose the ability to compete, having higher costs and lower productivity than better-run operations.

Invoice Factoring is a great tool to use for immediate and predictable cash flow giving your company the ability to receive cash within 24 hours of submitting your invoices, instead of waiting days to receive payment. That immediate infusion of money allows you the freedom and flexibility to plan and manage your firms activities without having to worry about cash flow problems. We can purchase your invoices on a recourse or non-recourse basis. Any company creating an invoice to another business is eligible. International Factoring - This alternative financial tool allows you to compete and increase global sales without increasing global risk. Any business can qualify for international factoring service if: they sell credit worthy international customers or businesses, and have a minimum need of $100,000 in receivable financing monthly. Our specialty is the Latin America markets.

Educational, Municipal, State & County Financing Government Advantage! For schools and local government agencies, interest to the investor is exempt from federal tax making the payments lower than commercial rates. Early Buyout Option Early Buyout Option: Available throughout the lease term Flexible Lease Flexible Lease: Up to 60 months payment options include monthly, quarterly semi- annual and annual payments, deferred and irregular payments can be financed Non-Appropriation Clause Non-Appropriation Clause: The equipment purchase will not be construed as debt. Agencies have the right to cancel if their annual budget is not approved. No Security Deposit: For lower rates, advance or down payments are optional. We assume the cancellation risk for non-appropriation of funds for all governmental agencies as well as non-renewal and termination for convenience cancellations for Federal Agencies

Government Financing () Government Financing (Continued) Vendors Advantage: Full Payment: Funding within ten business days of receipt of properly Full Payment: Funding within ten business days of receipt of properly executed documents. No Recourse: In most cases financing is like a cash sale to the Vendor. Lease Documents: Delivered overnight or ed within 24 hours. We assume the cancellation risk for non-appropriation of funds for all governmental agencies as well as non-renewal and termination for convenience cancellations for Federal Agencies

BUSINESS TO CONSUMER CONTRACT FINANCE Should you decide to acquire financing for your retail installment contracts, you would immediately be able to have more readily access capital. You could "cash" your retail installment contracts rather than receiving monthly payments over a period of a year, two, or even three years. At the same time, you would be creating greater flexibility for your company, while positioning yourself to cut down on the red tape and paperwork required by traditional financing sources. In addition, by financing your retail installment contracts, instead of seeking other avenues of financing such as venture capital, you would not lose any equity in your business. 100% Financing for your customers

We look forward to building a profitable and long term business relationship with you! Your phone and inquiries are welcome. We want your business. May we have the opportunity to earn it? Contact Information Charles Freeland – CFO, Secretary/Treasurer Direct Phone: Corporate Office 6957 N.W. Expressway #212 Oklahoma City, OK Phone: (405) Fax: Web Site: