HIGH FUEL COSTS BREAKING THE BANK?

              US. Smell Business Administration

              SRU
              Tour Sma/J Buii'rrcjs
 Transport Partnership
 U.S. ENVIRONMENTAL PROTECTION AGENCY
www.epa.gov/smartway

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THE SMARTWAY TO

      SAVE MONEY
 AND REDUCE EMISSIONS


 A
/  %s a truck owner-operator,you want to do all
you can to lower your costs and save money while
reducing your impact on the environment. Now,
the Environmental Protection Agency (EPA), in
collaboration with the Small Business Administration
(SBA), is offering an innovative way you can do
just that—by taking advantage of SmartWay
Financing to offset the cost of purchasing and
installing the SmartWay Upgrade Kit.
         www.epa.gov/smartway

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WHATISTHESMARTWAY UPGRADE KIT?
The SmartWay Upgrade Kit is an innovative package of technologies that save fuel
and reduce emissions:
     Idle Reduction Technology
     - Auxiliary power units
     - Generator sets
     - Battery HVAC systems
     - Direct fired heaters
     Low Rolling Resistance Tires
     Tractor and Trailer Aerodynamics
     Exhaust Aftertreatment Devices
                                                      Idle Reduction
                                                      Technology
              Low Rolling
          Resistance Tires
Tractor and Trailer Aerodynamics
                                     Exhaust
                                     Aftertreatment Device
                    www.epa.gov/smartway

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        $
                  WHYlNSTALLTHE
SMARTWAY UPGRADE KIT?
       SIMPLE.  FUEL SAVINGS!
The EPA has evaluated the Upgrade Kit on Class 8 tractor-trailers, and determined that,
by installing the kit, the typical long-haul driver can expect about $7,500 per year in fuel
savings alone. This does not take into account the savings from reduced maintenance
and longer engine life due to reduced idling. In addition to fuel savings, you will also
decrease the amount of harmful emissions released into the air.
  HOW MUCH
M ON HYW1LLI ACTUALLY SAVE?
 To find out precisely how much you can save, check out ourSmartWay Calculator at
 www.epa.gov/smartway.
 Just enter your annual fuel consumption, annual idling hours and current cost of fuel. Then
 check off how many SmartWay devices you plan to buy, and calculate your fuel savings.
 The more devices you install, the greater the fuel savings.
                    .
           .   ~.

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WHAT is SMARTWAY FINANCING?
SmartWay Financing provides access to flexible financing options. The EPA has partnered with
several banks to offer innovative loan packages for the purchase and installation of the
SmartWay Upgrade Kit. Each owner-operator works directly with a participating bank to obtain
the loan.

What Are the Loan Requirements?
    The loan is for the SmartWay Upgrade Kit or individual
    'components only.

    Loan amounts range from $5,000 to $25,000.

    No collateral is required.

    Average loan rate is prime + 4% to 6% (check with individual
    ' lenders for current rates).

    Loan terms range from three to 10 years.

    A processing fee is included, with some banks folding
    "the fee into the loan.
      44
        Patrick Transportation is a family owned and
   operated business.  We are always loOKin^ for
          waysto  upgrade  our trucks and
     SmartWay Financing offers a good loan
       opportunity to help us meet OUT goals.
                     Tom Gault,Vice President, Patrick Transportation
                                             Philadelphia, PA
               www.epa.gov/smartway

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AS AN OWNER-OPERATOR,
        YOU HAVE MANY CHOICES.
You may decide to purchase the SmartWay Upgrade Kit for about $16,500 and opt for
a five-year loan at 12%, or only purchase the APU for about $8,500 with the same loan terms.
But, because you achieve fuel savings either way, you'll actually see a profit every month for
five years and beyond. See the table below for details.
  Equipment
 Cost
Monthly Fuel
 Savings
Monthly Loan
 Payment
Net Monthly
 Savings
    APU
$8,500
  $330
  ($189)
  $141
  Upgrade Kit
$16,500
  $636
  ($367)
  $269
'Assumes 16,667 gallons of fuel consumed annually, $2.75 per gallon of diesel, and 2,400 idling hours annually.
   **With fuel COStS on the RSe, the only way
                                     •      .
   an owner-operator can get a T3 ISC ID
   S3 [3 ry is to use leSS fuel. The SmartWay
   loan program provided an 63Sy and efficient
   way to get a  loan to purchase an APU, which
   helped me fGO UC6 my fuel consumption and
   save  money."
                             Charles Riley, Infinity Transportation
                                              Colombia, MO
               w w w . e p a . g

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WHAT DO I
DO NEXT?
To find out more about SmartWay Financing, go to
www.epa.gov/smartway/financing.htm or call (734) 214-4767.
The EPA has listed all of our participating banks. You can select the banks that you want to
work with and contact them for further information on applying for your loan.

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ABOUT SMARTWAY

    TRANSPORT PARTNERSHIP


What Is the SmartWay Transport Partnership?

The SmartWay Transport Partnership is an innovative partnership between the US
Environmental Protection Agency (EPA) and the freight industry to improve energy
efficiency and reduce emissions from freight transportation.

What Does the Partnership Do?

The SmartWay Transport Partnership encourages freight companies to adopt technologies that
reduce fuel consumption and emissions. The program works with freight shippers (such as
IKEA, Nike, Lowe's and The Home Depot) to ship more of their freight using
companies participating in the Partnership.


      For more information on the SmartWay Transport Partnership, visit or call:

            www.epa.gov/smartway
                 (734) 214-4767
     $

                U.S. Smoll lui'iteu Adminiimrtion
                Hi
                Your Small Busmen Resource
 Transport Partnership
 U.S. ENVIRONMENTAL PROTECTION AGENCY
www.epa.gov/smartway

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