Auto Lease Auctions  is the premier technical solution, a culmination enveloping more than forty-three-years of auto-lease sales & software engineered under the direction of the leaders of the world's greatest lessors. Buyers, sellers, lenders, and vendors can do anything at this 3-way-bidding peer auction from the comfort of their computer console. The Auto Lease Auctions, Inc. website is a workshop, sandbox, and utopia marketplace. ALA is an aggregate of unbiased, multilateral complex-event--processors chained in an order according to user type and input. The system©, and every module in it, are jointly and severally portable for any lawful purpose. You really need to see the domain to grasp and control the potential and power of this ultra-high-tech IP.

Ultimate Buyers' System - Shoppers save time and money, and get the vehicle they really want at Auto Lease Auctions. Anyone can request searches & quotations on any number of vehicles for comparison and consideration. ALA locates dream-cars in the vast inventories of the wholesale, dealer-only auto auctions where the selection is the greatest, the condition is guaranteed, and the prices are fresh.

Personal transportation is everyone's single-most expensive item in life. Leasing is not for everyone, not good on every vehicle, and costs more in some geographies and circumstances; but proper leasing costs way less in most situations and will save around $200,000 per person during an average driving lifetime. Therefore, every vehicle, driver, condition, and contingency should be carefully studied every time an acquisition is contemplated. Auto Lease Auctions is a fully automated, full disclosure matrix marketing system© where buyers can tailor and compare personal/fleet options and make decisions 24/7 prior to seller/lender interaction.

Every shopper is furnished with a myCarQ© workspace, POP email, phone, text, fax, and more to buy, lease, sell, or trade upon becoming a member, which costs nothing. Shoppers become members when they submit a driver's profile comprised of eight non-personal entries used to customize their quotations and determine their personal best deal. Buyers sell themselves after reviewing the facts contained in eighteen reports on each proposed transaction.

Auto Lease Auctions is also their research center for retailing personal vehicles and trade disposal with or without equity as described in the Deficit Elimination System© below. ESP was one of the first companies to code the Millennium Digital Commerce Act back in 1994, so different and better than any other website, buyers can safely complete a lease transaction online under the full protection of the law.

Ultimate Sellers' System - Auto sellers get exactly what they want from ALA, which is a volume of profitable transactions with no investment, no work, no risk, and no hassle. Nothing like an Internet sales department, much more complete than the best classified advertising site, and the opposite of lead-generation websites, AutoLeaseAuctions.com delivers complete deal packages via a Dealer Participation Agreement with a Virtual Fleet & Lease Office© defined below. Additionally, licensed auto dealers can lease a Showroom Selling System© and/or lease ESP's Virtual Leasing Dealership© also defined below.

Auto sellers also have a multi-function workQueue©, staff profiles, full RingCentral® communications integration, and several tool-sets in the ALA marketplace. Sellers – including dealers, private-sellers, remarketers, and VFLO© owner/operators – post listings on ALA with a program called an Ad Maker Pro©. AMP© simultaneously creates up to thirty advertisements, and produces programs such as the AutoSentry© greeting system, the Virtual Auto Salesman© and the Online Sales Desk©. Each listing provides customers (not prospects!) for the whole model line by associating vehicles as they arrive at auction while the ads run.

NetWorkForce™ - Anyone with basic computer skills and a clean PC can operate this system and manage the outcome efficiently from any high-speed Internet connection. ALA includes full training and management software and procedures with payroll and continuing education for remote research analysts and sales secretaries. See AutoEconomics.com and AutoFinacialAdvisors.com below for more information.

All-in-all, there are twenty-five "buyer-types", each with its own demographics, workload, profit, and benefits. The system© identifies each shopper at the threshold, assigns a ready, able, & willing (RAW) number to each, then places them in order of viability in the senior analysts' workQueues©. The RAW is automatically adjusted as events occur, which establishes an excellent customer/inventory/funding management system, which enables expert output from non expert employees.

A good deal has to work out for everyone, or it falls apart leaving the seller to pay for the attempted expense. ESP's online sales strategy is based on consumers making intelligent, informed decisions in their personal time-frame. Therefore, the marketplace constantly monitors the vital statics of visitors and notifies the staff via email or text with information about how and when to close each sale or lease.

This platform is a sandbox, proving-ground, and regulator for the industry to design, test, and expand economic solutions:

• What if all used car leases were written by one company who was also responsible for residual-value losses?
• What are the benefits of leasing classic cars - 1966 Chevrolet Corvette Stingray Convertible LT2?
• What if a Manheim Auto Auction vehicle inspection and guarantee was mandatory for every UVL?
• What are the effects of leasing older models, especially high-end, low-mile beauties?
• Would the economy benefit from longer lease terms and/or lease extensions?
• Is there a legal way to trade an upside-down vehicle without a loss, cost, roll-over, or future liability?

Ultimate Lenders' Solution - ESP technology provides lease-lenders with a no-to-low cost medium for distributing & managing lease programs in a controlled area. AutoSentry© ensures a low look-to-book ratio. Real time residual calculation, fair early termination policies, and the Deficit Elimination System© ensure no losses ever, thereby a great reduction in cost of risk management.

Economic Tsunami Solution - Forward-thinkers, industry-leaders, economists, and investment advisors know the prevalent glut of high-priced lease-return vehicles flooding the market is enough to wreck the economy worse than ever before; we know bigger waves are coming in the next three-years; and we know incentivized leasing must continue for now or the economy will crash immediately. At present, ESP is the only profitable solution for the prevailing problems by providing technical solutions, manpower, and automated marketpaces. For the future, Economic Solution [Intellectual] Properties are a melding of new & used, good & bad leasing to stabilize the economy once and for all. ESP is also the machinery for calming the off-shore super-tsunamis before they make land. Please read about the incentive-intervention programs below.

You don't have to turn on all the lights to see enormous opportunities to save big as a consumer, and earn a lot honestly as a seller, lender, lease professional, or as an auto lease auctions administrator. Contact us through the Action & Resource Center for more information on this, or to set up a personal online meeting to discuss employment, income, qualifications, workload, or even setting up a new marketplace with our three-way bidding software.

In addition to a legal lease assumptions, and as a replacement for rolling inequity into a subsequent vehicle lease, the Deficit Elimination System© is a highly profitable intervention service to payoff any amount of trade deficit without a cost or loss to any party. DES©, which has been up-and-running at Auto Lease Auctions & the US Motor Club for many years, solves the immediate problems for the upside/down driver, the over-extended lender, and the unaware residual-value insurer by generating a volume of wholesome business on the same or similar year, make, and model automobile. Part of the profit of each new transaction is used to pay off the deficit, then the original vehicle is marketed fairly through lease, retail, or wholesale means.

DES© is quadrupaly-fruitful. Higher deficits require a higher volume of "spin--off" transactions that generates more profit for the VFLO© program operators and the lenders that fund the new business. Recognize the added benefit for the industry and the economy as a significant reduction of off-lease vehicles of that type in the area, which enables and encourages a number of new-vehicle sales/leases of that type. Here is how it works:

1. The driver submits  a Lease Analyzer Form or a Loan Analyzer Form
2. The analyst researches:
   1. the customer's payoff compared to the current value to find the deficit at wholesale and retail levels, and decide the buy-down amount. I.e., a deficit of $7,500 would necessitate at least 10 spin-off transactions each donating $750 of their profit.
   2. the cost and availability of similar vehicles at auctions in the area. I.e., all Camaro's, Mustang's, & Challenger's of the same year & two year's newer would be included.
3. An orthodox lease is constructed with the payoff as the capital cost.
4. A lease is made-up for the same car at auction with the current wholesale value as the capital cost.
5. An Auto Lease Auctions Listing© is made with the "Lease Me Now" payment equal to retail (#3) and a "Minimum Bid" payment equal to wholesale plus fair profit (#4).
6. The ALA Listing© is promoted by various means listed in the Origination section of the VFLO© Operator's Manual.
7. ESP attaches a unique-number to each visitor's account when they land on the Listing©. Bids less than the Lease Now amount are offered a better car at auction for a lower payment than they bid. The auction car is better because it has lower mileage or is newer, and has a guaranteed condition report from the auction.
8. The capital-cost of the original-vehicle lease is reduced by the donation from each spin-off transaction, and the ALA Listing© is republished with a lower Lease Me Now payment until the offer attracts a consumer or the vehicle can be sold for wholesale at the auction.

ESP is known for developing software that turns liabilities into assets. The DES© is a chief example of averting disaster by chopping down waves of unorthodox lease return vehicles early and spreading out the time vehicles arrive at auction. There are millions of candidates; each campaign develops an ever-growing number of sales with referrals and repeat business.

If you are upside-down and want to get out of your current vehicle, please visit the Sellers Page at Auto Lease Auctions, read about the deficit elimination system, select analyzer form, follow the instructions, and wait for our reply. Please also know FVLA has a second method to get you out without a cost or a loss, which will be explained in our report, on an individual basis.

If you are a seller, lessor, or auto sales professional with a list of qualified, upside-down clients who wish to trade, or have other interests in the DES© tool please contact us as soon as possible through the Action & Resource Center.

The Virtual Fleet & Lease Office©  is a stable platform for practical application of pre-owned orthodox leasing at every level of the automobile ecosystem. Historically, lease-lender bankruptcies and dealer leasing system failures were caused by sales staff turnover after training and by organic changes in our clients' dealerships - like going public. Factory lease incentives dominate the showroom since the financial crisis. Today, UVL has no representation at the point-of-sale in franchised dealerships. Manufacturers' desire and ability to incorporate UVL into their marketing plan are slim and none. In other words, the chance of success by traditional implement of the used-car leasing solution at the dealership level is very low, would be extremely expensive, and take a very long time.

“You will never be successful trying to fix the sales you lost because you can never know what you or somebody else did wrong. To be successful in auto sales, you have to focus on the sales you made, see what you did right, and replicate it.”
- Bob Catterson, Auto Dealer, Trainer, TV Personality

VFLO© provides the solution to the whole industry as a standalone, enterprise business like a franchise, except better. With a VFLO© you can write thousands of pre-owned orthodox leases to the vast unserved market sectors; without it, you cannot write even one. The technology is dynamically different and eminently better for each and every party involved in complex auto-transactions, be it a lease, loan, or cash deal, online or in person. This is an electro-mechanism that converts complicated auto-financial problems into reformed commerce with enormous savings of money and time. It is a no-cost solution for the industry because the dealer's profit, the entire expense and profit of the Owner/Operators' and their employees, is garnered from the savings it creates.

“You will never be successful trying to fix the host of system installations that failed. To be successful in the computer business, you have to create a pure host and replicate it.”
- Tony Goodhardt, PSE of ESP

Since VFLO© is the paragon for practical application of pre-owned orthodox leasing, ESP need only concern itself with  the cost, distribution, and use of the pinnacle program. To facilitate rapid deployment, the VFLO© website is equipped with a cost & profit analyzer and a complete set of documents to apply, sign-up, and get training online.

To make it fast, easy, and fun, ESP leases the Virtual Fleet & Lease Office© to the owner/operator with a written guarantee of usability and profitability, so there is no initial cost and no risk to obtain the selling system©.  

Another way to get a VFLO© of your own is enroll in the accredited Auto Economics College Curriculum, which has no tuition. You are furnished with a VFLO© to build while you are earning your degree, and keep until your retirement. You and your staff will work with real clients, vehicles, funding, et cetera, so you are paid full wages while you are in college. By the time you graduate, you have a nice portfolio, employees, established business with contacts, retirement fund, and your earnings, which will be around $800,000.00, which is quite a swing away from the normal Ivy League graduate who emerges without a job and about $200,000.00 of debt for student loans.

“Go to the Virtual Fleet & Lease Office© web site, Section IV. See how much you can make.”

Software leases, like for VFLO©, are ESP's primary source of income. These debt-securities combined with our copyright, commercial intellectual properties, and intellectual capital define the value of ESP's stock, which is vitally important for provision of direct auto-lease funding.

†You don't have to open all the doors to find incredible opportunity, education, and wealth at VFLO©. Please visit the Virtual Fleet & Lease Office©, register, read the text, fill in the cost and profit analyzer, review the contracts and agreements, and/or contact me through the Action & Resource Center for more information or a personal visit online.

AutoEconomics.com includes eight articles on the front page and covers thirty-four topics in the knowledge-base.

We learn home economics in primary school, and business economics in post-secondary, why is auto economics not taught in any college when automobiles are the single most expensive item in life and business? Did you know the automotive loan & leasing industry is the largest consumer finance business in the world – 3.19-times greater than real estate mortgages? After four-decades of obtaining, training, and maintaining lessors, sellers, bankers, and lessees, ESP has perfected a certified, then accredited auto economics course for users of its technology and distributors of its direct orthodox auto lease funding.*

If you are going to drive, you need this education to save $1,000's every time you acquire an automobile, $200,000.00 during an average driving lifetime. If you want a certified, then accredited degree in economics without paying tuition and a high-paying career in automotive trade and finance, the auto economics curricula is for you. Check out EXTEMPLAR UNIVERSITY. If you want to own and operate a enterprise business, here is where you can get one along with your degree without a cost. How about a master in auto financial advisement with which you can serve funding and billion dollar projects to consumers and auto industry entities around the globe? Or, even get a grand masters degree in auto economics and leasing so you can teach and receive full benefit of the university's returns.

EXTEMPLAR UNIVERSITY Enroll today online... Not an apprenticeship or an internship, this is a school of practical application. Students are paid full wage to complete their studies by working in the industry online. The best education comes from doing and teaching others to do business, which is the Standard operating procedure at the new Bridge & Gate University, part of the Fair Vehicle Leasing Association. Graduates emerge from school with their earnings, their own client list, a registered franchise, and securities instead of a student loan debt. The university maintains a fiduciary control of every company through the ESP www.AutoFinancialAdvisers.com masters domain and provides services to each graduate throughout the lifetime of the business they created together. At the owners' age of sixty-two, the enhanced, enterprise is passed on to an approved/qualified person who may be related; the owner/operator keeps a percent of the stock and all of their earnings for their retirement and healthcare.

By the numbers: Section IV of the Virtual Fleet & Lease Office© business (www.VFLO.world) is a Cost & Profit Analyzer (CPA) that predicts, and guarantees, income for the student VFLO© owner and every employee during the build, launch, and orbit of each corporation. The Auto Economics curriculum enables each student to build a team of five research analysts in the first month of school. If each research analyst produces a minimum of ten transactions per month, with $700 minimum profit (EBIDTA), the student's first year gross income will be $420,000.00. 600 transactions per year is a very reasonable number due to historic records, the nationwide marketplace, and access to the vast Manheim Auto Auction inventory. $700 profit is a conservative amount after employee payments, which are flat commissions, and a percentage paid to a dealership close by the consumer to make the physical delivery.

The syllabus includes a range of related items like pro se law, how to protect yourself, your employees, clients, and assets under law. Students will learn about securities and how to leverage assets in addition to governmental roles tied to the industry. This earn-as-you-learn attribute abates the need for family funding, outside funding, and student loans. The income exceeds the cost of  the finest ivy-league education, which can be obtained semi-simultaneously without an overwhelming schedule. The quality of education is greatly enhanced even though the time it takes to obtain your degree(s) is significantly reduced. Essential financing, education, intellectual properties, and job placement all come from the single act of attending this online college. The quality of life of the student, their family, and employees is elevated by maintaining a remote workload with plenty of time off. The ESP technologies create the most desirable circumstance where education and work revolve around life without disrupting income or the in-flow of knowledge. Self esteem evolves with the knowledge each graduate is a leading participant in the true recovery of the real economy of the USA. Check in the box by "Seeking enrollment in the Auto Economics Bachelor's, Master's, and/or Grand Master's degree programs." on you FVLA membership application form.*

The auto economics curricula are portable for the benefit of education facilities worldwide starting with middle schools (Grades 7-9) and accepting enrollment by people of any age. This career opportunity lends itself to individuals who seek remote employment including homebound, elderly, very young with adult supervision, infirm, even bed-ridden. Even students and graduates of other universities may enroll to earn the income to pay off their student loans. Participating universities who add this curriculum benefit in great amounts of new income, sustained income, and revolving revenue. Non participating universities who recommend the AE course as an externship benefit from rich students who can afford the best education they offer and have the time to focus on their studies.

The Fair Vehicle Leasing Association is creating the Bridge & Gate University with the ESP license to deploy the Auto Economics curricula. It is reasonable to enroll 5,000 students per year at each participating university. The revenue comes from transaction fees and portions of auto lease funding.* In example, a participating university fostering 350 students, each with their own VFLO© employing five research analysts each performing ten transaction per month will earn approximately $53,750,000.00 per year. After graduation, the same group effort provides the participating university with about $7,350,000.00 per year until retirement for continuing education, administration oversight, and support. Of course, each graduate VFLO© owner/operator may employ as many as seventy-five RA's, and each RA may process 100 fleet-transactions per month or more in the cascade of progress. School leaders who are interested in the program can get more information and personal contact by checking the box aside of "University interested in auto economics curriculum participation." in their FVLA membership application form.

* Anyone age twelve (with parental/guardian permission) or older may apply. Enrollment is granted on order of registration. Initially, during the launch of FVLA (as of 04/24/2024), enrollment is limited to the amount of funding available and state, federal, and international registrations and accreditations obtained. Register as soon as possible, show support, which will encourage fair lease fund investment and regulators authorizations sooner.

†Contact us by filling in the appropriate sections in the Action & Resource Center section below. Learn how to enroll in the curriculum and see about the parameters of this special educational tuition-free degree. We are just a few steps away from accreditation and starting the best college ever, so get enrolled because we will be serving students in order of enrollment regardless of prior education, age (over 12 with parental consent as applicable), race, creed, religion, faith, nationality, etc.

Auto Financial Advisers is an orthodox lease certification program. The website is a placeholder for enrollment, training, certification & registration. Certified leases are an up-sell product and a valuable service to the consumer, lender, and residual value insurance company.

Only certified advisers can approve a lease contract when ESP is providing the funding. Certified Auto Financial Advisers are paid to review leases before the lessee takes delivery and ensure the lease kit is in compliance for funding. Auto Lease Adviser provide additional protection for residual value insurance, and they may guarantee certain aspects of the driving-plan, like early termination services to the consumer for a nominal increase in monthly payment. AFA's are paid sizeable fees, and sometimes royalties, but may have to repay an amount for damages arising from errant authorization or failure to provide services.

Contact us to learn about this important position of trust and how to enroll in the master's curriculum. Check the box next to Auto Financial Adviser and/or request a personal online meeting with us in the Action & Resource Center section below.

Beginning in 1998, on request of a Manheim Marketing Strategist at the time Cox Automotive purchased AutoTrader.com, ESP produced UVL promotional material for the consignor's use at auction and  a retail lease advertising kit & leasing service for the buyer/dealer.

• Auctioneer text announcing availability of a lease on the vehicle with specific payments which were pre calculated on the consignor's asking price plus a specific profit amount.
• A dashboard handbill stating lease availability, credit tiers, terms and conditions, omitting specific payment information, but referring the reader to our leasing service 800 number.
• A two-sided rear-view mirror hanger advertising lease payments in comparison to finance with a down payment on A-tier credit, lease availability with credit tiers/required disclosure, and lease quotation service 800 phone number. 
• Complete ad text for AutoTrader.com with specific payments, government required disclosures, and residual value update service.
• Lease text similar to the auctioneers' text for the comments section of the presale listing.
• 8.5 x 11 image ads listing lease payments with a 10% down payment, with $0 down payment and with 10% cash-back on delivery - primarily for publication at Craigslist.

These sales tools have been upgraded with many features since that time, so they should be useful at the auctions and OVE today to increase lease awareness, stabilize prices, and increase volume of sales of off-lease vehicles.

Contact us to discuss using our products. Wholesalers and Remarketers are the main source of vehicles for our retail operations. The Wholesale Lease Products and Services© and its support programs are ready to conduct business today†. You can get ahead of the curve by submitting an interest report in the Action & Resource Center section below and check by Wholesalers Promotional Tools and Set Up Personal Online Meeting.

ESP's Showroom Selling Systems© (SSS) are the seventh generation of NVL software first installed in dealerships in 1985, upgraded with UVL in 1994, converted to a web-server format in 1998. This is a front-end, manager-closer selling system that produces buy vs lease information in print for shoppers who are in the dealership. It prints promotional material for the vehicles, showroom, and local area. SSS© is for franchised dealer used-car sales desk use only. All others, see the VFLO© and the Dealers Online Selling System©, which is made for franchise dealership Internet department's use.

• This primary use of this system is by auto sales professionals at step four, negotiations, in the typical Key Royal > Road to a Sale" after the manager determines the shopper is qualified to lease if they so choose to do so. Instead of haggling over price and trade values, the salesperson presents the buyer with an A/B buyer's order, full-disclosure finance payment with required down payment on the left; full-disclosure lease payment on the right, with lawful price, trade and government regulated information included; and the agent says nothing.
• Also known as the silent selling system, it prints lighted rear-view mirror hanger advertisements. The in-vehicle ads are special because they generate lease business without ruining finance business, which had been a problem forever before.
• The SSS© is used recover lost market sectors in the dealers local area, namely 29% of the 89% of shoppers who left the dealership without buying a car during the previous six-months.
• The Deficit Elimination System© is included, which enables profitable business with local consumers who are so buried in their current car that they cannot trade through conventional means. DES© taps the largest market segment - about twenty-seven million American drivers - where you have no competition.
• Used vehicle leases are also presented to service department customers to abate the high cost of repairs as stated in Part 2 of this document and the Origination Step of Section I "Eight Steps On The Road to a Virtual Sale" in the VFLO© Owner's Manual.
• The system is used to receive and process shoppers who were attracted by specific local area lease promotions like college programs and print media - again with provisions to protect loss of finance payment buyers.
• The Showroom Selling System© multiplies profits by notifying clients and encouraging short-cycle repeat-business.

This system runs independently of the house system and may be used to manage "rolling inventory" and process lease information for a local "dream-car locating service." Training is included, the system can be leased or paid for with per-deal fees, with guarantees of accuracy and productivity. The SSS© is for savant leasing professionals and franchise dealerships who demand auto transactions are conducted in the agency.

Contact us to develop a custom proforma online. The Showroom Selling System© and its support programs are ready to conduct business today†. Contact us by showing interest in the SSS© in the Action & Resource Center section.

The Virtual Leasing Dealership© (VLD) is primarily for Internet departments of franchised dealerships to attract web shoppers into the store for processing with their Showroom Selling System© on their inventory. This system is unique among all others because, in addition to special listings at Auto Lease Auctions, it includes:

• "Lease Me Links" for their website inventory pages. Similar to online finance payment quotes, these add-in modules are better because they sell leasing and qualify the shoppers online in the same fashion as Auto Lease Auctions Online.
• "Lease Me Badges", which are similar to Links' but go onto the dealer's classified advertisements at other sites including wholesale listings like Online Vehicle Exchange.
• Special advertising tools for the dealer's inventory where the monthly payment is published instead of the price.  In example Craigslist, the 4th largest car shoppers' web site in the world, the best immediate advertising source becomes highly effective with Regulation Z compliant lease advertisements bringing in about eight-times more buyers than price advertising.
• Incorporated "PIPE's", which are special email responders that recognize the sender's origin, then return mail with specific lease information on the vehicle, or a range of vehicles if none was requested, and links to more information, which enters the new client into the dealership's internal AutoSentry© program for qualification and assessment. ESP's PIPE's jump through email safety relay--servers like Craigslist and respond only to (human) public address.
• Campaign advertising material to attract special interest in leasing, like inequitable shoppers for the Deficit Elimination Program©, the college student & parents conference seminar, free dream-car locating service, and Powder-Puff Lease Training Courses held at the dealership.
• Planned Response Advertising Material for local area lease advertising that generates more manageable clients from newsprint, radio, TV, the dealer's web site, and online classified advertising - mass advertising. These promotions drive traffic to a "tube" where non-events are eliminated, later-events are preserved in a schedule, and today's qualified buyers are scored and sorted by a RAW number (ready, able, willing) in a list of things to do by the sales department.

Some accounts are better processed online then brought to the dealership for delivery. ESP furnishes sales tools, dealerQ's, email accounts, special phone numbers, paperwork, and more for both online and showroom sales and leasing of dealer inventory in the local area. These promotions may be attached to professional lease services of a VFLO© for additional manpower to cover busy times, off-hours, and adjacent geographies.

This system runs independently of the house system. Training is included, the system can be leased or paid for with per-deal fees. The VAD© can be obtained with or without the SSS©. Both are built for savant leasing professionals and franchise dealerships who demand auto transactions are conducted in the agency.

Contact us to develop a custom proforma online. †The Virtual Dealership© and its support programs are ready to conduct online business today. Contact us to discuss your needs and compare our front-end products. Click the checkbox by VLD© along with your other interests on the Action & Resource Center section.

Lease-Lender Systems© are multi-source, multi-credit-tier compliance, funding, and lockbox software systems for new and used auto leases.They calculate 360-day and 365-day year contracts. This program to be used by, and installed in, banks & financial institutions and the ESP lease clearinghouses as they are established. The software was developed in 1989 for LEASESERVE USA in Smyrna Georgia during the time of Savings & Loan Companies. This program, who's current status is terminate-stay-ready (TSR), will have a high value to the industry as new & old lenders reenter the UVL arena to benefit from pre-owned orthodox leasing as the solution for the impeding flood of lease-return vehicles.

ESP will establish and maintain a number of negotiable stock certificates in attorneys' escrow equal to cover any potential loss incurred by a compliant lease-lender in the event:

1. A vehicle lease funding package prepared by an ESP Selling System© fails compliance and will not cash on presentation to the lender. Losses incurred include earned income and an amount to cover lender's published hourly rate of operation.
2. A loss is incurred by the lender at scheduled end of the lease, upon early termination, or repossession termination, of an orthodox lease because the residual value was set too high by an ESP system© affecting the monthly amortization amount. Notwithstanding lessee contractual obligations, after ESP has been granted full access to account information, the leased vehicle information, including driver and lender cooperation in an effort to make a retail disposal, lease assumption, or payoff the lease; for no less than sixty-days, the collateral may be transferred to the lender in an amount equal to the loss upon lender disposal including incidental expense.
3. A loss occurs on the account of a lessee who's credit-approval ESP guaranteed after ESP has been granted full access to account information, the leased vehicle information, including driver and lender cooperation in an effort to make a retail disposal, lease assumption, or payoff the lease; for no less than sixty-days, the collateral may be transferred to the lender in an amount equal to the loss upon lender disposal including incidental expense.
4. A loss occurs due to an error or omission in ESP's Lease-Lender© or Lender-Lock-Box© systems.

Contact us to develop a custom proforma online. We will also present special introductory offers to the first financiers. The Lease-Lender Lockbox System© and its support programs are ready to conduct business today. Contact us below and be sure to check next to the Lease Lender Lockbox System© on the Action & Resource Center form. Also request an online conference to discuss the default settings and source of business for your installation. Visit the Action & Resource Center form.

Winston Churchill once said, "The farther backward you can look, the farther forward you can see," which is never more true than when speaking of the vehicle leasing industry. We don't have to look very far to find the root problems with indirect new vehicle leasing and discover the solution. The three most important figures for calculating a fair lease are price, money-factor, and the residual value (lease-end-value). If one is contrived, the others are distorted, and the lease is unfair.

DISCOVERY
The rise and fall of a benchmark residual value guide

SOLUTION
Sustained, Guaranteed

FVLA's Real-Time Residual-Value Calculators solve the problem for anyone who uses them without a cost, at a profit. Researching history teaches what to do, and what not to do. Discovering this problem, and invoking a solution, presents the opportunity to make vast improvements to automotive lease-end-value projections. Most important, the ESP technology sustains the solution for all parties and the USA economy, so this can never happen again. It's true, if you are currently funding new car leases, the chance for financial failure in the very near future is close to 100%. Worse, financial failure of this type could be recognized as fraud against international investors who are covered by the International Trade Treaties, which means the losses and expenses will have to be covered by the USA taxpayers.

To ESP, circa 1998
“Nobody should be allowed to write residual values unless they guarantee them out of their own pocket.”
Doug Aiken, Automotive Lease Guide (ALG)

180° from ALG, the ESP lease-end-value projections are based on actual auction sale prices for 100,000's of the same make and model, instead of a formula, so they can never be wrong. The data is pulled directly from the auctions at the time the driver requests a quotation instead of recalculating from compiled database tables, which are bound to be stale. In addition to mileage, term, and equipment, our technology factors in variables such as the location where the vehicle has been driven, where it will be driven, road conditions, driver habits such as smoking, garaging, number of passengers, et cetera, driving conditions such as weather, timing of the calendar and model year... Proper lease-end-value projections protect the auto lease funders, lessors, lessees, sellers, and the economy at large. Unlike ALG-based leases, all equity at early or scheduled termination is religiously paid to the driver/lessee.

Vast improvements enabled by the FVLA dynamics cause a profound positive effect on the auto industry while multiplying lessors' income and consumers' savings. The market is doubled by projecting residuals for current through ten-year-old models, and doubled again by leasing those vehicles for longer terms, such as 72 and 84 months, just like auto finance loans.

Again, the market is enlarged by availability to lease motorcycles, boats, airplanes, RVs, antiques, classics, customs, muscle cars, and other motor vehicles. Pre-Owned Orthodox Leasing is the only real solution for a profitable disposal of millions of off-lease vehicles flooding our auctions. Many vehicles in this sector actually appreciat in value, which makes for easy leasing. Captive lessors may to continue their altered-lease marketing plan so as to not crash the US economy.

The economic solution for the auto lease industry is sustained by FVLA's broad use, no-cost distribution of the ESP RealTime Residual Calculator and ESP's money-back guarantees of lease-end-value accuracy. Any FVLA member can use the ESP residual technology to calculate fair, level-yield lease payments regardless of funding source. FVLA places ESP securities in attorney's escrow to guarantee POOL Funding Investors and FVLA Direct Lessors that the ESP residual values are correct. This is in addition to RVI Group residual value insurance.

The Real-Time Residual Value Calculator and its support programs are ready to conduct lease business today. Contact us about integrating this code into your programs, obtaining our guarantees, and to discuss the availability of our front-end systems. Please use the form in the Action & Resource Center section for initial contact. We will respond with complete personal contact information.

Within the rules, regulations, and records of all United States Worldwide, pre-owned orthodox leasing is found to be a powerful solution for the real economic problems we face today. This is an enormous opportunity for indirect orthodox lease lenders seeking a higher, sustained return on investment. Above, FVLA offers the ESP Lease Lender Lockbox System© to seasoned lessors who want to run a standalone auto lease facility with their own staff, in their own space. This section describes a second, different clearinghouse system© that enables financiers and investors to profit from indirect funding without the cost and risk of a standalone operation, with more margin, ESP vanguards, special guarantees, and extra insurances.

Now anyone can lease their own vehicles to themselves after precise research at Auto Lease Auctions Marketplace; and/or lease to others as a licensed lessor with a free Virtual Fleet & Lease Office Franchise; and/or Now be an Originator for their own vehicle and others in a POOL  and/or be a Lease Owner for a sustained, triple guaranteed fixed income as demonstrated at the Preowned Auto Lessors Inc. website. The PAL Platform© described there is the fully-automated, interactive version of what you are about to read here.

Introducing the Pre-Owned Orthodox Leasing (POOL) Funding System©, which provides full leasing services to investors with full, real-time investor governance, an automatic lockbox, and 24/7 online monitoring. This technology is an up-fitted aggregate of the software used by GECAL and other hugely successful new and used vehicle lease programs throughout history. Most important, the factors causing the destruction of all our fair, level-yield lessors, including GECAL, are eliminated by this technology. more

Introducing the Pre-Owned Orthodox Leasing (POOL) Funding System©, which provides full leasing services to investors with full, real-time investor governance, an automatic lockbox, and 24/7 online monitoring. This technology is an up-fitted aggregate of the software used by GECAL and other hugely successful new and used vehicle lease programs throughout history. Most important, the factors causing the destruction of all our fair, level-yield lessors, including GECAL, are eliminated by this technology.

1. The major investments of time, money, and effort involved in brick & mortar auto lease marketing are eliminated. This results in no errors, no hassle, and more margin. The "up-fit" is a computer connection to all of the Virtual Fleet & Lease Office© Systems described above, which are the error-proof front-end systems that also process the lease compliance, so contracts are ready for funding. 180° from conventional auto dealership sales staff, VFLO© owners & operators coddle their portfolio clients throughout their driving lifetime. The first advantage comes from FVLA/ESP Seek n Sell Campaigns© which target only high-yield, low-risk corporations, professionals, and individuals. As well, the VFLO© operators provide all end-of-term services, be it early or scheduled termination, including vehicle remarketing or disposal. Auto lease financiers enjoy a true, straightforward return on investment; the difference between their cost of money and the lease factor.
2. Substantially lower group costs, maximum efficiency, and considerably larger market equals lower consumer pricing, much more margin, and 4x volume. "Aggregate" refers to multiple funding-sources thrive in a harmonious, matrix funding-system to serve the needs of all market sectors (with no or low default-ratio) at a drastically reduced cost and significantly higher profit for auto lease funders.
3. This software is essential. POOL Fund investors will never have competition in the used-vehicle leasing arena, which is the largest consumer finance sector (currently unserved):
   • FVLA has the only copyright (TX4498218 © 1994) for used vehicle leasing systems and an active legal team to protect shareholders and auto lease financiers from infringement.
   • It would take a team of 127 programmers at least 13-years to duplicate these massive programs, and that would be illegal.
   • FVLA furnishes these products without a charge, so any would-be copycat will benefit instantly by joining the group instead of undermining it. The group benefits from additional investors.
   • Unfair street competition like captive leases with inflated residual values does not exist in the VFLO©'s or independent dealerships' marketing arena. VFLO© operators welcome captive lease competition because those are so easy to beat. Fair leases cost less initially, monthly, at the end of the lease, and the optional purchase price is less. Often, new-vehicle dealers learn about the benefits, then submit scores of prospects who convert to fair leases.
   • There is no competition between POOL financiers/investors, VFLO© owners/operators, or anyone in the FVLA network. The market is so vast that every financier can never run out of leases to fund even in special sectors. In addition, the ESP systems automatically route repeat clients, referrals, and return vehicles to the original auto lease funding source for new, additional, and repeat profit.
4. The ESP Vanguards are leading-edge engineers who not only design and build the programs, but also use their programs at work everyday with actual customers and real vehicles. The wealth is in the details and timing as they plow the way so the clients, VFLO© operators, dealers, vendors, lenders, and auction personnel have an easier go and richer result. In example, advanced-action programs warn lessees of the cost of upcoming maintenance and repairs then urge drivers to switch vehicles or rewrite their lease causing more lease-lender profit and volume. Another vanguard program monitors lessees' mileage without on-board devices to govern best trade time for a consumer, thereby multiplying return on investment. You may read about all vanguards at VFLO.world above.
5. Vanguard technology, constant contact, and marketing methodology enable ESP to guarantee no defaults and no lessor losses in most cases. Extra insurance, in addition to residual value insurance, is included for eminent protection of the auto lease financiers. In both cases, the funder's return on investment is assured by ESP securities placed in attorney's escrow at lease inception.
6. FVLA's technology, tactics, and securities create perpetuity in a broader, deeper, and denser spectrum. Since we create and guarantee the lease-end values, we can choose to write longer lease terms and/or older vehicles to extend lessor profits without additional cost. In addition, FVLA plans to lease RVs, motorcycles, airplanes, boats, and other motor vehicles in the USA and Canada to expand the auto lease investor's profit area.
7. First time ever "sectional funding" allows financiers to customize their funding offer to specific vehicles, market, or other demographics. This is most useful to captive lessors who need to dispose of their lease return vehicles and automotive groups desirous of leasing only their own inventory.
8. I think we all know https and security certificates alone are not going to protect our information online. ESP's super-high-tech lease application and personal privacy policies eliminate the need for FACTA (Red Flag) compliance, its expense, and hassle. No personally identifying data or credit information is received or stored by any FVLA party. The online application is triple encoded as the prospects enter their information, then sent directly to the lease lending source. We do not sell consumer information, of course, and we do not sell advertising space on our web sites. We don't even use cookies. Cookies are crummy, and they provide footholds for ID theft. Since FVLA programs do not accept or hold any personal information, no tortuous, malicious lawsuit will ever be successful against the FVLA lessors.
9. Of course, accurate Real-Time Residual Calculators© are essential to the POOL Funding System© operations. The system is fully automated, so no one can entice an increase in their vehicle LEV's or a decrease in their competitors' vehicle residual values. The program details are in the next section above. less

There are no better investments or tax shelters in America than debt-securities – especially level-yield leases, which are annuities-due. Above, we outline technology that provides the ingredients for maximum ROI. Below, we outline the principles and procedures for sustained practical application of fair level-yield pre-owned vehicle leasing with maximum financier profit. more

There are no better investments or tax shelters in America than debt-securities – especially level-yield leases, which are annuities-due. Above, we outline technology that provides the ingredients for maximum ROI. Below, we outline the principles and procedures for sustained practical application of fair level-yield pre-owned vehicle leasing with maximum financier profit.

1. All new and repeat leases will be designed and contracted, with earnest deposit accepted, by VFLO© certified lease professionals and reviewed by accredited auto financial advisers then distributed for delivery to a licensed auto dealership close to the driver who has authorized a dealer participation agreement (DPA) with FVLA.
2. All automobiles, and most other vehicles, will be purchased from the wholesale auctions after pre-sale and post-sale inspections have rendered a guarantee of condition and the auctions' "deal-shield" seller/buyer protection contract.
3. All leased equipment/vehicles will be purchased and paid for, insured, and owned by the Virtual Fleet & Lease Office©, or the participating dealer, at time of delivery, then funding, in compliance with all laws.
4. Only sales margin profit and additional rate participation profit will be shared with the delivering-dealer in an amount agreed within the DPA. In the event no authorized delivery dealership is available close to the client, the VFLO© may deliver the vehicle himself, through UPS, the auction, or any legitimate entity having signed a delivery agent agreement online. less

The projected income for Pre-Owned Orthodox Lease Funders is excellent – and enhanced by a solid, lawful, single-book tax shelter. FVLA members who are interested in POOL Funding should contact my office as soon as possible to develop a custom proforma with us online. We will also present special introductory offers to the first financiers to contact us. The POOL System© and its support programs are ready to conduct lease business today. Please visit the Action & Resource Center section to checkmark items of interest and make initial contact. We will respond with full contact information. You will have our undivided attention because obtaining essential fair lease funding for our members is our primary objective.