July 5, 2000

From: "Mark Speros (BSB)" msperos@unicapitalcorp.com
Subject: RE: Leasing News--
VGM Alive & Well/EAEL Endorses CLP Program/Capi tal-Stream-Textron/Bulletin Board Date:

Wed, 5 Jul 2000 12:58:18 -0700
To: "'kitm@americanleasing.com'" kitm@americanleasing.com

Kit, the following is OFF THE RECORD. If you are going to publish a list, it should be accurate, and this latest version is not accurate. For example, it is, again, listing C&W Leasing as being bankrupt rather than acquired by Granite who was acquired by Fidelity National Title. T&W is listed as "lost their funding", when in fact they are bankrupt and have been delisted. I suggest you delete ALL prior lists and start from scratch.

Love & Kisses,

Mark Speros
Unit Credit Manager
303-329-0227 Ext. 247

-----Original Message-----

From: kitm@americanleasing.com
[mailto:kitm@americanleasing.com]
Sent: Wednesday, July 05, 2000 2:35 PM
To: kitm@americanleasing.com Subject: Leasing News--
VGM Alive & Well/EAEL Endorses CLP Program/Capital-Stream-Textron/
Bulletin Board

VGM Alive & Well
EAEL Endorses CLP Program
Capital-Stream-Textron
Bulletin Board Addition
Alan Fern--Sovereignbank--


www.vgm.com

Kit--

I'm the President of VGM Financial Services out of Waterloo, IA. We are quite alive and in a fast growth mode leasing company. I'm not sure where you received your information, but I thought I'd drop you a note a point out the error. I know there have been many problems, as well as successes in the industry lately, I'm just making sure our name appears on the correct list. If you'd like to discuss the list or it's origin, please feel free to contact me at 1-319- 274-6642. That's my direct line. If you'd like to learn more about VGM, check us out at vgm.com.

Sincerely,
Jim Phillips

( I think the VGM was another company, and was the only one I could not confirm, that was on the list. To clear up any confusion, the list is up-dated and now it looks in order,too.
Any corrections, additions, or comments always welcome. Also look to new add to Bulletin Board at bottom of news---editor. ).


Jim Phillips is added to our mailing list and he will keep us up to date with things growing in his company.

32 Leasing Companies Major Changes in the last Six Months:

American Business Leasing ( gone )
Bankvest (bankrupt)
Bombadier ( reported having problems, not confirmed )
C&W Leasing ( bankrupt )
Charter Financial ( purchased by Wells Fargo )
Commerce Security ( closed )
Copelco ( sold to Citibank )
Dana ( sold off, active as captive )
DVI Capital ( out of broker )
Fidelity ( acquired by ABN Amro Bank )
Finova ( out of market place )
Franklin Bank ( no more leases )
Imperial ( sold portfolio )
Leasing Corp of America ( for sale below book value )
Leasing Solutions ( bankrupt )
Libery Leasing ( closed )
Linc Capital ( out of vendor and broker business, Nasdaq halts stock sales )
Merit Leasing ( gone )
METWEST LEASING CO. Spokane WA. ( advising brokers that they have run out of funds so they are unable to fund a transaction we have there for funding. )
Nationbank Leasing ( closed )
New England Capital ( sold )
Newcourt ( sold off )
Phoenix ( both divisions )
Prime Capital ( "yes and no" sold off, may be negotiating )
Rockford ( sold to American Express )
SDI ( closed )
T&W ( lost their capital )
Transamerica ( sold )
Unicapital ( reportedly struggling )
United Capital ( reported having problems, very bad quarter )
United Leasing ( out of liquidity )
USA Leasing ( gone )

any comments, corrections, additions, or suggestions are greatly appreciated


- Allan Fern Speaks Out

Thank you for including me on your daily e-mails. I wanted to wait a couple weeks before commenting. This is my 22nd year in the leasing industry and I have seen many changes. I must confess that I am a little taken back by the amount of negative press our industry is receiving.

Yes, funding sources are going out of business, and yes, sources are reevaluating their game plans, but this is all positive. Our industry cleanses itself every 7-10 years. Think back to the funding sources that some of you did business with in 1991. Some are out of business. Some are partnering with the broker and lessor community to help maximize profits.

As a Vice President of a new aggressive funding source, we try and accent the positive events of leasing. A broker still has the ability to process A paper through D paper. Application only programs are easily available including our hard asset to $100,000 at 10.75%. I have always thought it was a privilege being in our industry.

The friendships and business acquaintances that I have managed to cultivate have been with me for over 15 years.

Let's stop complaining and move forward with what we do best. Generate leads and fund.

Alan Fern
amfern@sovereignbank.com


Textron Financial Uses CapitalStream to Support B2B Financing On the Internet full story ****1 below


- Along with United Association of Equipment Lessors ("UAEL") and the National Association of Equipment Lease Brokers ("NAELB"), EAEL is supporting the establishment of a not-for-profit corporation to be known as the CLP Foundation (the "Foundation"). full story ****2 below


*******1

SEATTLE, July 5, 2000 - Capital Stream, Inc., a provider of e-commerce services for the commercial finance industry, announced today that Textron Financial Corporation, a diversified commercial finance company with over $7 billion in managed receivables, is using CapitalStream.com to make its commercial finance services available through the Internet. Textron Financial turned to CapitalStream for an Internet-based infrastructure that offered the management tools, credit screening and links to its existing systems without incurring additional overhead or processing time.

Textron Financial's objective is to move the majority of its customers' requests for equipment financing seamlessly through CapitalStream.com as an extension of its loan and lease processing systems. In addition to improving Textron Financial's credit screening process, CapitalStream's services will help the company link Textron Financial's proprietary account management system with its back-office accounting systems.

"With the help of CapitalStream.com, our financing partners can use an Internet-based application process to expand our services to more customers and improve the ease of doing business with Textron Financial," said Jim Merrilees, Vice President and Division Manager at Textron Financial. "This partnership enables us to offer our vendor financing programs in a quick, cost effective way, without having to spend the time, money and maintenance on developing our own infrastructure."

"Our work with Textron Financial is a testament to the CapitalStream.com business model," said Steven Campbell, president and CEO of CapitalStream, "which was designed to bring financial systems online with minimum time and expense."

CapitalStream.com provides Internet-ready applications to funding sources, brokers, vendors, manufacturers and B2B portals, enabling them to offer flexible financing programs, improve customer service, and increase their competitiveness. Rates, terms, and content can be dynamically managed by finance companies, allowing them to go online with personalized credit programs that respond to the wide range of relationships they have with customers. Using CapitalStream's "virtual private market" solution, Textron Financial can apply its own branding to the credit origination process within its Internet sites. Throughout the transaction process, CapitalStream.com will offer Textron Financial comprehensive reporting, including application status by program and approval ratio summaries.

About Textron Financial

Textron Financial Corporation, a subsidiary of Textron Inc., is a diversified commercial finance company with over $7 billion in managed receivables. With operations in term lending and leasing, revolving credit, and specialty finance, Textron Financial is a premier lender to the aviation, golf, vacation interval resort, and franchise finance industries, and provides distribution and end-user financing for products manufactured by Textron Inc. and others. Other services include transaction syndication, equipment appraisal and disposition, portfolio servicing, and insurance brokerage. Additional information is available at www.tfc.textron.com.

About CapitalStream

Seattle-based CapitalStream offers end-to-end e-commerce marketplace solutions-including customer management tools, work flow automation and an online transaction network-for the global business finance market. The company's e-commerce network, CapitalStream.com, provides an infrastructure for financing companies, manufacturers and B2B e-commerce firms to capture, grow and service customers. CapitalStream has been an established industry leader for five years, and in 1999, its 600 customers used CapitalStream products to facilitate $8.5 billion in transaction volume.

For additional information about CapitalStream visit its web site at www.CapitalStream.com. ###


Eastern Association of Equipment Lessors
600 Mamaroneck Avenue, Suite 440
Harrison, New York 10528

EAEL Announces Endorsement of CLP Program

For Immediate Release
Monday, June 19, 2000

Contact: Steven Geller, CLP, Vice President, Eastern Association of Equipment Lessors
201-225-4542
sbg@orix-cac.com

Bruce Winter, CLP, Treasurer, Eastern Association of Equipment Lessors
410-792-7400
bwinter@fsgleasing.com

(New York) -The Board of Directors of the Eastern Association of Equipment Lessors is pleased to announce its endorsement of the Certified Lease Professional ("CLP") program.

The CLP designation sets the standard for professionalism in the leasing industry. This designation is designed to identify and recognize those individuals within the leasing industry who have demonstrated, through testing and conduct, their competency in leasing. The letters "CLP" behind their name represents a visible recognition of this professional achievement and status. Along with United Association of Equipment Lessors ("UAEL") and the National Association of Equipment Lease Brokers ("NAELB"), EAEL is supporting the establishment of a not-for-profit corporation to be known as the CLP Foundation (the "Foundation").
The Foundation, successor to the CLP program formerly established and administered by UAEL, will act as the governing body for the testing and certification of lease professionals who qualify for the CLP designation after passing a rigorous seven hour exam covering many areas of the leasing industry. To sit for the test, an individual must have at least five years experience in the industry, have acceptable character, ability and reputation and pledge to adhere to industry standards of professional practice.

Testing dates and sites are to be arranged by the Foundation at mutually convenient times and sites. To foster industry competency and preparation for sitting for the CLP examination, optional educational programs are being offered throughout the industry. In conjunction with EAEL's Fall Expo to be held at the Sheraton Meadowlands Hotel in Secaucus, New Jersey, a CLP examination is scheduled for Tuesday, September 26, 2000. Additionally, Mr. Bob Baker will be offering an in-depth educational program at the Sheraton on Saturday and Sunday September 23 and 24, geared towards individuals who plan to take the CLP exam. Mr. Baker is President of Wildwood Financial Group, a well-known and respected lease education firm based in Missouri. Topics to be discussed include history of leasing, lease classification and terminology, lease law and documentation, public finance, financial and tax accounting for leases, credit and financial analysis, rates and yields, collections and marketing and sales.

The cost of the optional educational program is $600, which includes the Handbook for Leasing Professionals and two full days of instruction provided by Mr. Baker in preparation for the CLP examination to be administered on Tuesday, September 26. The cost of the CLP examination is $500. In order to provide adequate small group instruction, the class will be limited to the first 20 individuals who sign up. While the classroom instruction is geared towards taking the CLP examination, those individuals wishing to receive extensive lease training may register for Mr. Baker's educational program without sitting for the CLP examination. Conversely, anyone wishing to sit for the CLP examination without completing the optional educational program may do so long as he/she meets the eligibility requirements as described above.

If you or anyone in your organization is interested in registering for the optional training program, kindly complete the attached application and forward payment of $600, no later than July 31, 2000, payable to the Eastern Association of Equipment Lessors, for the professional training to EAEL, 600 Mamaroneck Avenue, Harrison, New York 10528. If you wish to forgo the training and sit for the exam, please forward the application for the examination to EAEL headquarters by the end of July, as well. Payment for the examination of $500 is required no later than September 1, 2000 and should be forwarded to EAEL, along with a photocopy of the previously submitted application.

ENROLLMENT FORM

Part I. General Information Date: ________________ Name: ________________________ Title: ________________
Firm Name:____________________________________________________________________ Address: _____________________________________________________________________
City, State, Zip: _______________________________________________________________ Phone: ______________ Fax: __________________ E-mail: __________________________

Part II. Leasing Experience (attach additional job information/resume, if necessary)

Company: __________________ Phone: ________________ Employment Dates: __________ Company: __________________ Phone: ________________ Employment Dates: __________ Company: __________________ Phone: ________________ Employment Dates: __________

Part III. Industry Affiliations
Are you or your company a member of a leasing industry trade association?

Circle all that apply:
EAEL UAEL NAELB ELA Other_____________

Part IV. Ethics/Standards (to be completed by CLP applicants only)

Have you ever been convicted of, or are you now under indictment for, a felony crime? Yes___No____

Have you ever been sanctioned by a leasing trade, finance, real estate, insurance, securities, mortgage brokering association for conduct or business practice?
Yes___No____

Are you or your company now the subject of any action before a standards/ethics committee of a leasing trade, finance, real estate, insurance, securities or mortgage brokerage association?
Yes___No____

Have you or your company ever had a license to do business revoked, for cause, by a governmental entity, including licenses for real estate, insurance, securities, mortgage brokerage or the like?
Yes___No____

Are you or your company now the subject of any investigation by a governmental agency that could result in the revocation of a license to do business?
Yes___No____

Please provide the complete details on a separate letter on any yes answer.

I agree to abide by the ethical standards of the leasing industry, and to endorse the provisions of the leasing association of which I am a member.

My signature also confirms that the information provided on this enrollment form is true and accurate.
X________________________________________ X________________________________

Applicant's signature Approved by CLP Foundation

Part V. Payment and Fees (payment for the training due no later than 7/31/00)

Bob Baker Professional Training 9/23 and 9/24/00 $600 CLP Examination 9/26/00 $500

Total $1,100 Check enclosed for: $___________.

Visa/Mastercard #___________________________ Exp. Date _____________
Card holder ________________________________________

(Return to EAEL, 600 Mamaroneck Ave., Ste. 440, Harrison, NY 10528 no later than 7/31/00)


BULLETIN BOARD

( These are postings for informational purposes. Any response, correction, addition, will be posted. We reserve the right to edit or delete any opinion that is not in good taste or is outright derogatory ).

Source states Universal Capital Services, Springhill, Florida, took up-front fees on deal and has not returned to lessee. Lessee is complaining to funding source. This is the third complaint received on this. Source is trying to find out more and request this be posted on bulletin board. Source will allow us to state name, if this is not resolved. 7/5

$25,000 SD $29,000 first and last Three months did not return money Parker Leasing and Financing, Ft. Lauderdale, Florida no web site, no district attorney complaints, Parker Leasing and Financing refuses to return commitment fee and first and last. 6/16

We had been using the Dodson Group for overnight (Airborne) until recently. They were charging us $8.75 per overnight (there cost to Airborne is $7.61, who cares, they deserve a profit). But, in auditing our bills for the last 2 years we kept noticing that we were being repeatedly charged $12.00 to $18.75 for overnight on about 1/3 to 1/2 of the over nights. Initially, Dodson claimed "overweight", so we researched further and discovered that most of the overcharges were on checks going out overnight to vendors and brokers - no way this could be "overweight".

For the past year we have faxed and called Dodson repeatedly to get corrected invoices - no one would even respond! So, we put them on notice that we would not pay any more invoices until they corrected their over billing problem - they never did. Their response was to turn us over to a collection agency!

We are convinced they purposely overcharged us, and probably every other client! Dodson does a lot of biz with NAELB brokers, don't these brokers need to know about Dodson's policy of quoting one price and charging another?

6/15

Avoid this company like the plague. I believe that if it is the same one they also run companies under the name(s) Universal Manufacturing - (Vendor) & Universal Finance (Credit repair company). I'll look up the e-mail I received on this a while back. I think what the story was is that Universal Capital, Florida, would submit a deal to funding source, then if declined due to personal credit, Universal Finance would repair credit then resubmit elsewhere. The vendor would be Universal Manufacturing who would sell $2,000 computers for $40,000 invoice (just under F/S disclosure). Then they split excess with lessee.

6/12

Do you know anything about Univerasl Capital Services, Inc., In Spring Hill, Florida 34606. One of the lease brokers I work with is having trouble getting paid on a deal. He thinks the company is owned by Jim and Anita Koper. Please let me know if you hear anything.

Thanks.
6/12

Metropolitan Mortgage and Sec in Washington had a division that funded the lesser credits. Well they have stopped and are not honoring their approvals if they don't already have signed docs. This was told to me by a broker in Arizona who has 10 deals sitting with them and she is now scrambling to replace them.

6/12

 

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