Lehigh Capital Access, Inc.

Since 1979, the employees of Lehigh Capital Access have provided municipal lease financing services throughout the United States, Indian Nations on both a taxable and tax free basis. Lehigh provides documentation that fits state, federal and local requirements. In some instances Lehigh, will service the account for the life of the lease or establish trustee services where required. The account representatives of Lehigh have been providing financing to municipalities since 1979 and were one of the first to introduce municipal leasing to Pennsylvania State institutions and school districts. Lehigh is a member of the Association of Governmental Leasing and Finance and the Lehigh County Chamber of Commerce. On many occasions, Mr. Kalb has participated as a speaker in the bi-annual national conventions for the Association of Governmental Leasing and Finance. His speeches have included Operating a Small Ticket Leasing Company, Working out Solutions for Problem Leases, Financing Indian Nations and Management of a Leasing Company. He has written numerous articles on municipal leasing for many trade journals. Most recently he was invited to speak in Washington, D.C. with Amembal, Deane & Associates in conjunction with Doyle & Bachman at their seminar regarding Leasing To The Federal Government. Since 1979, the account representatives of Lehigh Capital Access have completed over 4500 leases in forty- two states, and twenty-eight Indian Nations. Since 1988 the account representatives of Lehigh have provided in excess of 225 million to Native American communities. Lehigh offers leases with terms ranging from two to fifteen years and payment schedules to fit most municipal budget requirements. Payment terms can be monthly, quarterly, semi annual, annual and may include skip payments for as long as two years. Capitalized interest can be provided for special budget requirements. Leases are available for general municipal applications such as school districts, state and local government, as well as special districts, volunteer fire departments and Indian Nations.