Doing business with Mr Omes for over 10 years. Offered free equipment for a small monthly, i just pay $16 or option to purchase equipment at his price! I opted for lease for tax purposes. He just changed it for the chip new one and did not charge a penny! He is honest and offered to go over my statements every 6 months to make sure I get best rates! Most important to me! Always there to help, provides free paper and has excellent rates compared to my bank. My banker tried to get account by offering 17k at an incredibly 29 % rate (cash advance or something similar, forgot the name) Mr Omes offered a much better deal and I did not have to change to bank outside provider.Great person, Great guy!