Financial Federal Corporation - Consumer Financial Services

(212) 599-8000

733 Third Avenue

New York, New York 10017

www.financialfederal.com

Business Description

We finance industrial and commercial equipment through installment sales and leasing programs for dealers, manufacturers and end users of such equipment. We also make

capital loans to equipment users, secured by the same types of equipment and other
collateral. We provide our services nationwide to middle-market businesses,
generally with annual revenues of up to $25 million, in the general
construction, road and infrastructure construction and repair, road
transportation, waste disposal and manufacturing industries. We focus on
financing a wide range of new and used revenue-producing/essential-use
equipment of major manufacturers that is movable, has an economic life longer
than the term of the financing, is not subject to rapid technological
obsolescence, has applications in multiple industries and has a relatively
broad resale market. The equipment we finance includes air compressors,
bulldozers, buses, cement mixers, compactors, crawler cranes, earth-movers,
excavators, generators, hydraulic truck cranes, loaders, machine tools, motor
graders, pavers, personnel and material lifts, recycling equipment,
resurfacers, rough terrain cranes, sanitation trucks, scrapers, trucks, truck
tractors and trailers. Virtually all of our finance receivables are secured
by a first lien on such equipment collateral.