180° from dealership leasing, PAL lessors are 100% go-to-marketers on Internet since our founders worked with the creation of the Millennium Digital Commerce Act and the creation of Courts.Gov in the mid '90's. More than blasting email and dropping off vehicles, the PAL system© is a time-stamped rule-set of "asset-id-numbers" that create leases with military precision seek n sell campaigns©. Every auto and lease are numbered of course, but so is every added/subtracted item, auction, consumer, staff member, pay & rate participation, geography, and source of funding... thus establishing an indelible footprint inside the campaign for multiple monetary purposes starting with the end result – where the vehicle is going at lease termination, early or scheduled.

A campaign commences with deep-dive research on the quality and quantity of target vehicles at wholesale auctions (or about to arrive) usually waves of certified off-lease units from a prior factory incentive. Due to new vehicle sales, lease, and LBS tactics, the same number of each model will come to market in the same month, year after year.  Census, Labor Board, and other demographics, including the number of newly eligible drivers each day in a qualified area, define the target market.  Before the campaign is launched, the Research & Senior Analysts become foremost experts on the model and market. Their knowledge expands throughout each campaign, which lasts for years, even decades, in parallel to its LBS portfolio funding.

When a lessee wants or needs to trade vehicles, or a default occurs, the footprint automatically routes the ticket to the original lessor (team) since they have the intimate, eminent market and inventory knowledge, rights to the new profit and sustained rate income, as well as the economic tie to the LBS portfolio along with an inherent responsibility to the originators to make it grow.  Orthodox PAL lease structures enable and encourage multiple lease assumptions while eliminating contingent liability and future responsibility from the original lessee.  Within this methodology, the PAL VFLO© engines' fuel is their exhaust.

High granular solvency of each PAL portfolio is established from the beginning by eliminating $1,000's in the merchandising and marketing steps, then sustained by constant-yield amortization structures and consistent awareness of changes to the drivers' habits; while the risks of default and the losses of prepayment on early termination are reduced to a time-element with the ingredients for a resolution in hand and quick cash payments in the meantime.

Preowned vehicle leasing, a core component of the US economy, has been obscure and disabled for many years. The essential technology© that creates your LBS is protected by US copyright, franchise laws, global publication and its exclusive existence.  Only PAL can enable preowned auto leasing and LBS securitization. A would-be competitor's attempt to duplicate our technology© would then be an illegal organization subject to dissolution.

For the first time in history, anyone (whether they are a dealer, works for one, or not) can lease any year, make, or model qualified used motor-vehicle, with or without an electric vehicle conversion,  directly to  individuals, all types of businesses, municipalities, and governments online with our Virtual Fleet & Lease Office© franchise.  Past UVL leasing was limited to a few light-duty, current to 4-yr-old models on shorter terms and based solely on the ALG residual guide book. That "standard" has not been copyrighted since 2006, is 100% faulty, and often fraudulent.  Our Real-Time Residual Value Calculators are the only on earth with accuracy guaranteed in cash upon error at early or scheduled termination. With no viable competition in the used leasing arena, setting residuals properly is no longer a political football game.

PAL's enterprise value is substantial, and the cost to the consumer of the oversight funds are negligible, because this platform creates consumer savings of around 60%.  Only PAL lessees can trade at will and avoid the higher costs of maintenance and repairs.  Nonperforming and single-minded parties, along with their costs and waste, are eliminated from the equation while four sources of income are enabled instead of just one. 

Unlike captive new-vehicle leasing, all PAL leases are true, level-yield amortization, master-leases with a fair early-termination payoff and a full, legal lease-assumption clause that can be executed multiple times. Coupled with the rigorous vehicle acquisition software©, our unique real-time residual value calculators, and the Virtual Fleet & Lease Office© (lessors) pay plan, this orthodox structure creates granular solvency and preempts losses from prepayment while affording maximum flexibility and the absolute lowest cost to consumers as they navigate changes to their driving habits during the economic crises. To enable and administer these interactions, we built and support Auto Lease Auctions a unique 3-way bidding, wholesale and retail, peer-to-peer marketplace.

ACCOUNTING AUTOMATION: The PAL True Car Cost© module is fully automated for all payment functions from the purchase of the vehicles to payroll and remarketing of off-lease vehicles. The system issues sight drafts when all the criteria for buying a leased-car are met. In addition: 1) PAL's general ledger is duplicated in our commercial bank with a separate number for each account, including each originator, 2) Manheim Auto Auction financial services, guarantees, and policies fare a rigid form of accounting integrated into the PAL Platform©, 3) We use SmartCash® at SmartAuction®, both part of the Ally Bank Dealer Network, which fits nicely with our online remote lease long-distance deliveries, local installation of EVC's, and help with off-lease vehicle disposals. There is no room for errors or subversion.  Audits are always available because reports are made in real-time as revenues are received and payments are made under government observance and regulation.  Activity is logged in each Originator's Queue with percentile accounting available for your review and self-governance 24/7.

HUMAN CAPITAL: Your wealth comes from distribution of  knowledge on a case-by-case basis.  Much better than depending on auto dealership sales staff, who have conflicts of interest, VFLO© enables mass remote employment of non typical personnel for the sole purpose of practical application of orthodox used vehicle leasing.  Training them and protecting them grows money faster.  All participants, including buyers and lessees, sellers and lessors, are made members of the Fair Vehicle Leasing Association, a 501c6 business league where people govern themselves [and each other] without firing a shot, going to court or any delay.  All  lessors and their employees are also protected by more powerful university law because of their participation in our Auto Economics Curriculum, continuing education, legal services and regulation administered by Extemplar University.  People logically stick with their PAL position because it is the best life for them and economically speaking, "there is no better place for them to go."

SAVING TIME:  Lessors' advertising expense, time-per-sale, and cost of delivery have a direct effect on the earning-power of  your primer money and the granular solvency of your LBS portfolio.  Each VFLO© franchise contains fifteen precision go-to-marketing campaigns to wholly eliminate promotional costs and wasting time on nonevent clientele, or under-qualified vehicles.   Everything is done and recorded online 24/7, which expands the market across the continent.  Instead of in-person, physical deliveries are made by a network of 18,000 franchised dealers for a portion of the sales profit.  It's your money; it is spent wisely without overworking the PAL NetWorkForce™.

PROPERTY PROTECTION:  Opposite of impersonal indirect new-vehicle-leasing, PAL lessors are continually informed of each vehicles' condition, mileage, upcoming maintenance, and debt/equity ratio.  Awareness Technology© includes routine auto-value reports, lessee interaction (survey) via the monthly statement, and when merited, like for a low-credit grade, an EVC, or a ride-share driver, the lessor installs a Samsara econometrics reporting device with GPS.  The information is used to guide all of us to the most perfect, the most sellable leases, minimize subtractions from escrow, and offer the best consumer experience so they repeat business during their driving lifetime. 

SELECTIVITY: Exclusive rights, licensing, plus twelve up-and-running programs© enable PAL lessors to select the cream-of-the-crop lessees, vehicles, and environments. We will not lease to people or businesses in danger of losing their income because of the coronavirus pandemic, but we can help a large number retool for a lucrative career in our industry. Vehicle mileage, equipment, condition guarantees, and a fair price close to the wholesale value are important. We buy and ship directly from the dealer-only auctions after two independent inspections and pay extra for a no fault return policy in case the lessee refuses the vehicle upon delivery.  Also, the environment where the vehicle has been driven can affect the price and the depreciation schedule. The geography where the vehicle will be driven has physical and financial considerations.  We lease only in States where tax is charged monthly on the payment. Leasing terms, vehicle ages and models are greatly curtailed in States that use salt to clear the roads in the winter.

INDUSTRY PROTECTION:  PAL is offering LBS funding to groups of angels, licensed dealers & auto auction owners to disperse control and sustain UVL commerce, hopefully forever. Even as the Trust grows and ownership changes hands, PAL UVL funding can not be monopolized or contrived.  Similarly, we are offering the VFLO© franchises without an initial or monthly cost and an Ex-U college education without tuition so they too become ingrained in our economy. 

The economy is round and rotates like the earth. Life, law, money and especially auto leasing run in a circle.  As a byproduct of the auto & financial crises there are no sources for pre-owed vehicle lease funding in the USA today.  Withal, there never will be other than PAL LBS.  Whoever utilizes the PAL CIP's as prescribed will control the single largest portion of the US economy harmoniously with no interference and plenty of support.

Time is of the essence. PAL is here.  All programs are running as you read this, so the PAL Platform is a today and only solution, which you can kick around, use it to make and save big money simultaneously.  Organic LBS cannot be processed with new-vehicle-lease portfolios.  If it could be done under law, it would take a crew of 127-programmers +12-years to duplicate our technology©.  There is no need for that anyway since everyone is invited to partake in PAL under law.  

Everyone needs ground-transportation. It's true, the PAL Platform© is the only solution for millions of American drivers who are so buried in their auto finance they cannot trade when they want to or need to.  Enabling auto commerce on a case-by-case basis with the flexibility to trade at will  down the road as chaotic factors dictate our futures saves lives, livelihoods, and probably many marriages as well. To incorporate UVL into a nihilistic society, PAL "sales" are a factual presentation of individual options due to circumstantial criteria entered by the prospect online. The decision to lease, buy, finance, or stand pat are strictly up to the prospect.

US education needs a face lift.  Our university enables college-grade education without tuition, full-pay including retirement as an externship with 100% guaranteed job placement. In that bargain, Extemplar is a unique provider of more than enough time and cash to pay the student loan payment on the most expensive tuition elsewhere for a contemporaneous education.

Our governments need PAL for income and to unwind some bad decisions. Auto sales tax and NVL use-tax comprise the largest portion of income for every state, some as much as 50% of their monthly revenue. UVL tax could double, or even triple that number. In example, the ripple effect of leasing merely 304,080 used vehicles in Indiana in one year could provide enough additional tax income to rebuild the entire State infrastructure in three years... every three years.

Not stimuli or a work-around, PAL is also an industry solution that clears the path for annual new vehicle sales in excess of twenty million per year; and only PAL can enable mass manufacturing/installation of electric vehicle conversions, a big boon for the financial and manufacturing worlds. PAL is the only method to make good use of millions of unsold new vehicles and tidal waves of  vehicles coming off new vehicle leases.

Fixed-income investors can depend on PAL. Underlying in mass for many years prior to, but revved up by the coronavirus pandemic, faulty new car lease residual value calculations will cause bond leaseholders unprecedented losses, as they have since the ninety's.  Auctions have been overflowing with these three-year-olds since 2016. 3Q 2020 reports tell millions more vehicles are being refused by the lending institution upon scheduled return. Only PAL can guarantee residual values on these toddlers and put them back on the street with new driver at a rate popular to everyone.  Eventual perception of this enormous value by Big Auto and their bond holders will endear them to the PAL Platform© for a harmonious future.