1. Welcome to Zest4 Leasing In association with July 2014

2. Introduction The Henry Howard Offering to Zest4 and their partners The Zest4 Leasing Portal - Online proposal system The ability to create lease quotes for mobile hardware, fixed hardware and hosted solutions. Dedicated HHF Account Manager & Sales Support team Proposal to Pay-out “in-house” service Universally approved lease-documents (softcopy format also available) Payment of invoices within 48 hours Aftercare service

3. Online Portal allowing you to manage: New Quotes Simple and straightforward - input kit cost, term and customer details Automated system gives a credit-decision within seconds: GREEN – accepted AMBER – manual underwriting (3 hour turnaround) RED - declined Existing Quotes Where you formally submit your proposal through to HHF Logs previous proposals / decisions on the workbench Completed lease-documents can be downloaded from here Calculator Quickly breaks down the customer’s repayments when inputting the kit cost Figures detailed on a monthly / quarterly basis Feeds Keep up to date with any developments in the finance sector and World news

4. The Sales Process Login via hhf-partners.ccapps.cc Start a new quote by inputting the invoice value, term, equipment and customer details Receive instant decision through the traffic-light system: GREEN – accepted AMBER – manual underwriting RED - declined Click create quote for the proposal to be brought through to your workbench From existing quotes you have 3 options: 1.Edit quote (to make any amendments) 2.View quote – followed by Complete Proposal (to formally send to HHF) 3.Support (if you wish to advise us of anything at any stage) Once received our end, HHF will amend the status of the deal accordingly and then contact the relevant individual to confirm final figures Once approved, HHF will upload completed lease-documents onto the workbench. These can be downloaded by clicking documents Lease documents are signed by the customer and returned to HHF Reseller to dispatch equipment to end customer Purchase Order released to relevant reseller Reseller raises invoice to HHF, and customer signs Certificate of Acceptance to confirm kit is installed HHF pay reseller on customer’s receipt of goods

5. Useful Information Underwriting For regulated businesses (Limited Companies) we simply require business name / Co. Reg. Number No upper limited providing financials stack up For non-regulated businesses (sole-traders / partnerships) we will require full names, D.O.B’s and 3 year address history for each individual Can consider up to £10K per individual without requiring accounts (up to £20K for a partnership) Documentation These are valid for a 90 day period Ensure the signatory is within the correct field on the lease-document Authorised Signatories: Sole-trader – proprietor Partnership – listed partner Limited Companies – listed Director (this is dependant on the size of the customer) Try to input contact details within the “Hirer’s Information” section 1 digit in each box on the Direct-Debit Mandate NO TIPPEX! Additional charges Documentation Fee of £100 + VAT Title will be passed back to the Channel Partner for £125 + VAT or 1% of the invoice value (whichever greater)

6. Benefits of leasing Security – lease agreements are not secured against anything but the asset itself. Our finance facility is agreed without the need for a charge / debenture against any freehold property Fixed rate borrowing – the repayment are fixed regardless of whether interest rates rise, making cash flow management more predictable. We see this as the safest way to borrow money No deposit – your customer will not make a payment until the equipment is fully installed and in working order Tax advantages - leasing allows you to deduct the monthly payments from your taxable income because finance leases are viewed as operating expenses. Lease payments appear on the profit & loss sheet as a cost to the business in the same way as wages/ rates & are 100% deductible against tax. This means that subject to the customer paying 21% tax on their gross profit they will save 21% on every rental that they make Preserves credit lines – there is no capital outlay required with a lease, the cost is spread across the duration of the agreement. In addition to this, our finance agreements preserve your other credit lines, (bank loans / credit cards etc.) Upgrade Opportunities - leasing allows businesses to keep up to date with developments in technology. By the time the customer’s agreement is coming to an end more often than not there will be updated equipment available in the marketplace, not only that but the company may also have expanded and so their requirements could have changed. Being an existing customer of yours makes the upgrade an easier sell.

7. Example Leasing Deal – 20 Handsets – Business Share 2500 (All converged) Zest4 SIM Only Tariff with a Zest4 Lease Zest4 Standard Tariff – Revenue Share Model TARIFF DETAILS: Parent = £51 500 min bolt on = £14.50 Sharers @ £5.50 X 19 = £104.50 750MB data @ £3 X 20 = £60 Total Rental = £230.00 KIT REQUIREMENTS: 5 X I-Phone 5S & 15 Nokia 625 = £4290 Total Cost Over 24 months the lease cost per month = £202.66 Total Customer Monthly Payment = £432.66 (£21.63 per handset) PARTNER COMMISSION: Partner Commission = £2400 (£120 p e r handset) + 40% rev share overspend TARIFF DETAILS: Parent = £84.79 500 min bolt on = £24.00 Sharers @ £11.89 X 19 = £225.91 750MB data @ £5 X 20 = £100 Total Rental = £434.70 KIT REQUIREMENTS: 5 X I-Phone 5S & 15 Nokia 625 = £4290 Total Cost PARTNER COMMISSION: 40% Revenue Share on Tariff = £3990.72 Connection Bonus = £2400 Total Commission = £6390.72 Net commission after cost of kit = £2100.72 (£105.03 per handset) + 40% rev share overspend

8. Hints and Tips When building a lease deal, ensure you list all of the equipment provided so that you can cover the soft costs (installations, site surveys, training) etc within the provision of the equipment. e.g. A 10 seat Horizon Deal with £1000 installation costs should be positioned as 10x Cisco 504 handsets, Cisco Router and Installation at £1100. Actual cost of handsets to partner = Zero Actual cost of installation = £1000 Partner Profit = £100 Customer pays one lease price for the supply of all equipment and installation = £37.80 per month

9. Points to remember Payout – HHF will only payout of the lease once the customer is in possession of all of the listed equipment and has confirmed it is in full working order. Staged Payments– In a scenario where you have a bundled deal of hosted and mobile you may need to request a staged payment. In a case where the mobiles need to be provided and connected quickly but the hosted telephony has a time delay on install due to connectivity provisioning, it is possible to receive an interim payment from HHF against the equipment that has been provided to the customer. Speak to HHF in these scenarios. Soft Costs – HHF will allow a percentage of soft costs to be built into the lease to cover site surveys and installations but the bulk of the lease must be for the provision of hardware. You therefore need to list all equipment provided to the customer including hosted telephones and routers and the associated charged. Companies trading under 3 years – Will only be accepted with a directors guarantee and that director must be a homeowner. HHF will need the full name and DOB of the director, three years residential address history and will only consider a three year lease term as a maximum. Insurance – All goods on a lease should be fully insured. You may be asked to give evidence of contents insurance. Acceptances – All lease acceptances are valid for 90 days. Should your deal exceed this period you will need to raise a new application.

10. Account Management & Support Henry Howard Finance offer Zest4 Channel Partners full account management and support services on all leasing deals. Contact the team: Gyles Thompson – Account Manager gthompson@hhf.uk.com 01633 415211 / 07795 448558 Lucy Jones – Sales Coordinator ljones@hhf.uk.com 01633 415238 Michael Jones – Sales Coordinator mjones@hhf.uk.com 01633 415232

11. want to know more? Contact Zest4 Channel Sales Team 0161 956 3355 www.Zest4.com