Capital First Corporation

Marlin Business Services provides equipment-leasing solutions to small businesses throughout the United States. Marlin Leasing Corporation, its primary operating subsidiary, was founded in 1997 by a group of professionals with experience in providing financing solutions to small businesses. Its transactions generally do not exceed $150,000 and the average transaction is less than $10,000. The company accesses its customers through a network of independent equipment dealers and provides service to its dealer network and lease customers. Marlin Business Services completed its initial public offering of 5.06 million shares of common stock and began trading on the NASDAQ national market on November 12, 2003.