Vendor Finance Group ("VFG") aligns itself with the highest quality manufacturers and assists them in selling their products and services by providing lease financing required by their customers. VFG account managers are experienced, knowledgeable leasing professionals capable of assisting customers in structuring the lease financing alternative that best meets a customer's specific operating, financing, tax or accounting objective. Regardless of whether a customer has an investment grade credit rating or is still striving to that level, VFG will deliver the optimal lease financing solution. VFG has built a reputation for developing innovative financing solutions and executing transactions with outstanding customer service.

VFG provides lease financing for a wide range of capital assets--from operating system software products and specialized application software packages to manufacturing equipment to office furniture and fixtures. VFG's customers include corporations, not-for-profit organizations, associations and both private and public educational institutions.

VFG is a part of CalFirst Leasing Corporation, a subsidiary of California First National Bancorp (Nasdaq: CFNB), a publicly-traded bank holding company. With a stockholders' equity exceeding $197 million, we are in a strong financial position to meet your current and future financing needs.