Lease to Own - After all payments have been made, title to the equipment transfers to you.

10% Buy Out - After all of the monthly payments have been made, you may purchase the equipment for ten percent of the original cost.

10% Purchase Option - After all monthly payments have been made, you may either purchase the equipment for ten percent of the original cost, or renew the lease.

FMV - After all monthly payments have been completed, you may either renew the lease, purchase the equipment for its then fair market value or return the equipment to us.

Operating Lease - Meets all four criteria of FASB 13 so that lease may enjoy off balance sheet treatment.

Capital Lease - Fails to meet one or more of the criteria of FASB 13.