Far more than finance

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Far more than finance

Do you want to expand your business? Increase your sales? Do you have any investment projects? Together, we can quicken the pace of your development... If you are a manufacturer or distributor of professional equipment If you are the head of an SME or a large industrial group If you are a company director, a tradesman or a professional Your company is growing. You are looking for a stable long-term partner, one that will be committed to helping your company realise its full potential. Here at BNP Paribas Leasing Solutions, we definitely have a solution to offer you. Appropriate solutions Choosing BNP Paribas Leasing Solutions means choosing a partner of significant international stature, able to rapidly provide and implement solutions that meet your commercial, financial and operational challenges. You can be sure to quickly benefit from reliable quality financing and leasing solutions that will contribute to the positive development of your equipment sales. In opting for our full service leasing solutions, you outsource the risks associated with the management and ownership of your equipment thus allowing you to focus on your core business activity. You can benefit from simple flexible financing solutions that are tailored to suit your specific needs, enabling you to preserve your cash flow whilst supporting your development.

Together, we are more likely to find the best solution. Business activity : Cosmetics manufacturer Requirements : To optimise the group s technological investments on the international level. Solution : Flexible leasing with IT asset management. Our dedicated teams accompany you throughout your entire project. As professionals with in-depth knowledge of your sector and who understand the challenges facing your business, our teams will listen attentively so as to understand your culture and place all their experience at your disposal. THE CONTEXT AND EXPECTATIONS Following rapid development in Europe, this cosmetics manufacturer wanted better control of the technological investments made by its subsidiaries and to have a better visibility of its overall IT assets. THE BNP PARIBAS LEASING SOLUTIONS PROPOSAL A group that combines two different approaches Through a detailed knowledge and understanding of its customers expectations, BNP Paribas Leasing Solutions constantly strives to provide them the best possible service. A financing and IT asset management solution along with a multilingual multi-currency extranet, providing access to a shared information hub and allowing for close monitoring of assets along four lines (technical, administrative, financial and geographical), and to create a genuine effective reporting tool. 1 The Partner approach To support and finance sales of manufacturers, software publishers and equipment distributors (dealers and resellers). > Financing or leasing solutions with related services are offered and sold, along with equipment, to the end user. ADVANTAGES A uniform financing solution for equipment whatever the country; a consolidated and real time overview of leasing commitments; tools and a method providing for better investment governance. 2The Direct approach To enable companies to optimise the use of their assets. > Full service leasing spreads the cost of owning professional equipment and preserves the company s financial capacity.

Together, we can better carry out your projects. We are committed to working with you to advance your projects. We build a fruitful relationship with you, based on trust and dialogue. This closeness and these discussions ensure a high degree of responsiveness that, in turn, may contribute to the development of your business. A combination of key success factors In performing its role, BNP Paribas Leasing Solutions helps you to achieve your projects thanks to: A strong expertise a selective approach to markets combined with a specialised, asset-based commercial organisation. A quality service, ever faster and more flexible a pragmatic and innovative approach with cutting-edge technical expertise for an offering that continually creates value for its customers. Business activity: OFFICE EQUIPMENT manufacturer Requirements: To increase the competitiveness of its offers in over 10 European countries through integrated financing solutions. Solution : A complete range of financial products extending from leasing to «all-in-one» solutions with related services. The BNP Paribas Leasing Solutions proposal Financial products that can be incorporated into the commercial strategies of local subsidiaries and that enable the manufacturer to offer its direct or indirect distribution network: - a full range of financing / leasing solutions with related services. - management of services related to equipment or software, from invoicing to collection. A secure offer choosing BNP Paribas Leasing Solutions means choosing a serious and reliable partner that knows and masters the markets in which it operates. A sound knowledge of equipment based on genuine closeness with the market players which makes all the difference: our sales teams enjoy being in the field. The context and expectations In order to stand out from its rivals in a highly competitive environment, this manufacturer was looking for a partner capable of providing financing solutions tailored to its diverse customer base (SME, large corporations, public institutions) while taking account of the specific characteristics of each country. Advantages The European approach of this financial partnership promotes best practices and facilitates commercial responsiveness thanks to uniform reporting and processes.

Together, we can be even more successful. Your role is to devise a project and to set about making it a reality. Our role is to help you do so. Together we will evaluate every possible solution that could meet your need, extending our scope well beyond that of simple financing. We will offer you expert advice and flexible, highly effective services that are perfectly tailored to your equipment s use and life cycle. Business activity: Farming machinery manufacturer Requirements: To optimise its sales and commercial policy as well as the management of its distribution networks in Europe. Solution: An offer coupling wholesale finance (financing of distributor inventory) with retail finance (end user financing). THE CONTEXT AND EXPECTATIONS This manufacturer was seeking a uniform solution that would optimise and secure the management of flows across its dealer network while boosting sales in Europe. THE BNP PARIBAS LEASING SOLUTIONS PROPOSAL A one-stop shopping solution: a single point of contact; a jointly-determined global approach deployed locally, which: A partnership reflected in two commitments Keen to satisfy its customers, BNP Paribas Leasing Solutions is committed to offering: 1 Added value 2 Service excellence Thanks to its ability to listen, analyse and anticipate, along with its technical expertise and asset knowledge, BNP Paribas Leasing Solutions aims to provide solutions that create value for its customers. European framework agreements for manufacturers; pay per use contracts for dealers; equipment maintenance, upkeep and technical monitoring for corporates, among others these are just some examples. BNP Paribas Leasing Solutions focuses as much on the accuracy and the speed of the response as on the quality, efficiency and reliability of the solution s implementation. - guarantees the manufacturer payment of their receivables - enables the distributors to optimise the financing of their inventory - offers financing solutions to the end customer - boosts the marketing effort through subsidized offers ADVANTAGES Optimisation of the complete sales cycle, leading to growth in the manufacturer s market share; greater responsiveness in terms of sales and marketing monitoring; improved cash flow and monitoring of working capital requirements.

Together, our skill set increases significantly. The wide-ranging nature of our offer, combined with our dimension both global and local and our affiliation with a solid banking group, means that BNP Paribas Leasing Solutions is best-positioned to successfully support your business activities. We have decided to focus our know-how on certain markets in order to remain close to your professional culture and to continue to develop innovative solutions. An expert for each one of your assets In order to offer its customers an optimum service, BNP Paribas Leasing Solutions has chosen to adopt an asset-based organisation*: international divisions along with integrated operational and commercial teams. Selected by BNP Paribas for the quality and performance of its services, BNP Paribas Leasing Solutions also supports the Group s customers through a dedicated division: Technology Solutions Equipment & Logistics Solutions The division specialised in technological assets: office, IT (hardware and software) and telecoms equipment. The division specialised in professional rolling equipment: farming machinery, construction and public works equipment, materials handling equipment, light commercial and commercial vehicles. Bank Leasing Services A dedicated service for banking cusotmers. Business activity: Agribusiness group Requirements: To break down and outsource the management of its commercial vehicles, whether already part of its fleet or new. Solution : Full service leasing: from delivery to operational management by BNP Paribas Leasing Solutions technical platforms. The context and expectations In order to comply with international accounting standards (IFRS), this agribusiness group was looking for a sole partner to assume responsibility for the management of its commercial vehicles (whether already part of its fleet or new) across all of its sites in France. The BNP Paribas Leasing Solutions proposal Several full service leasing offers to be implemented gradually to accompany the customer as they develop; for vehicles that are already part of the fleet - acquisition followed by re-lease as full service or under third-party management; for new vehicles - full service leasing. Advantages The budget is determined in advance and financial resources can be focused on the core business activity and strategic challenges. *in seven European countries (Belgium, France, Germany, Italy, Netherlands, Spain and the United Kingdom)

A comprehensive offer BNP Paribas Leasing Solutions offers you a wide range of solutions and services. Medium-term financing solutions financial leasing flexible leasing Leasing with related services Traditional credit For our partners An extranet portal dedicated to financing simulations and applications Detailed reporting Promotions and incentive campaigns throughout the year Sales team training Corporate sales* full service leasing fleet management Portfolio buy-out resale of used equipment * for technological assets; light commercial and commercial vehicles More solutions and services Asset insurance Insurance of key personnel Pay per use financing of inventory (wholesale finance) Branded program Assignment of contracts and receivables real estate leasing (for banking customers)

A key player in Europe BNP Paribas Leasing Solutions specialised in leasing and rental solutions for professional equipment and in real estate assets, manages approximately 32 billion of outstanding and employs 3,600 employees around the world. Today, it is the European leader* in equipment leasing and is one of the few financial organisations to market such a wide-ranging offer, extending from simple financing to full service leasing. It is setting the standard for the financing of equipment distributor sales (Vendor Programme), particularly with regard to joint-ventures with manufacturers. BNP Paribas Leasing Solutions has a presence in Austria, Belgium, France, Germany, Hungary, Italy, Luxembourg, the Netherlands, Poland, Portugal, Romania, Spain and the United Kingdom. International reach BNP Paribas Leasing Solutions is also present in other parts of the world where there is a growth potential, namely Turkey, India* and China. Furthermore, BNP Paribas Leasing Solutions provides equipment financing solutions in the United States of America, Morocco, Tunisia, Algeria, Egypt and Ukraine through BNP Paribas entities. * Currently, the Group is the leader in construction equipment financing in India and a major player in IT equipment financing in this country. * Leaseurope, 2010

BNP Paribas Leasing Solutions tour Métropole / 46-52 rue Arago - 92800 Puteaux - France Tél : +33(0)1 41 97 20 00 www.leasingsolutions.bnpparibas.com