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FINANCE PRODUCT COMPARISON CHART

  Hire
Pur		 Min
Term		 Fin.
Lease		 Op
Lease		 Cont.
Hire		 Bank
Loan		 Cash
Leaves working capital intact Yes Yes Yes Yes Yes Yes Yes
Customers can claim FYAs/WDAs Yes No No1 No No Yes Yes
Rentals are tailored
to cash flow		 Yes Yes Yes Yes Yes Yes Yes
Rentals are normally tax deductible Interest only Yes Yes1 Yes Yes Interest only Yes
Additional Security required No2 No2 No2 No2 No Yes No
On balance sheet funding Yes No Yes No No Yes Yes
Off balance sheet funding No Yes No Yes Yes No No
Choice of fixed/ structured rentals Yes Yes Yes Yes Yes Yes N/A
Ultimate ownership
of asset		 Yes No No No No Yes Yes
Fixed term agreement Yes No Yes Yes Yes Yes N/A
Term can be extended No Yes Yes Yes Yes3 Yes N/A


(1) Subject to term of lease
(2) Subject to underwriting decision
(3) Subject to Dealer Agreement
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