The V.I.P. Payment Program Your Unfair Advantage

The VIP Payment Program is a No Interest, No Credit Check payment plan you can offer your customers. This is NOT a loan or a cash advance and has nothing to do with checks, credit cards or FICO scores.

The VIP Payment Program enables you to accept your customers promise to make weekly, bi-weekly, or monthly payments over a 90 day period for products or services valued up to $2000.

We hold them to that promise by transferring the funds from their bank account into yours by ACH debit on the payment due dates.

In so doing, we are able to remove most of the risk to you with our guarantee that your customers payments will be made as promised.

There is no interest charged. The customer pays a $5, $10, or $15 convenience fee per payment which goes into your account as well.

You receive your funds even if the customer doesnt have enough money in their account* on the payment due date. We Guarantee it! We Guarantee it! *NSF (non-sufficient funds)

We charge you 6.5% to guarantee the payments, but this cost is offset partially, in some cases completely, by the convenience fees collected.

For instance, on a $1000 sale we would charge you 6.5% or $ But the customer pays $5 per payment over 12 weeks – which is deposited directly into your account.

So it costs you just $5.00. Add to this just 30¢ per payment for processing and your total cost is $8.60 on a $1000 sale paid in 12 weekly installments! Thats less than 1%. Compare that to your cost when a customer uses a credit card!

The customer pays a one-time $25 application fee, so their total cost is $85.00 or less, no matter if the sale is $500 or $1000 or $2000.

Nearly every application is approved because neither the credit bureaus nor credit scoring are used to determine eligibility for the program.

If the customer has a legal ID, a bank account, monthly income at least twice the sale amount, and a history of meeting their financial obligations on time, theyll almost certainly be approved.

Why your customers will love the VIP Payment Program. Why your customers will love the VIP Payment Program. Up to $ in purchasing power Up to $ in purchasing power 90 days to pay – INTEREST FREE! 90 days to pay – INTEREST FREE! No credit checks or credit scoring No credit checks or credit scoring

Approval is immediate Approval is immediate Frees up their credit cards Frees up their credit cards Additional payment options and Additional payment options and purchasing choices purchasing choices

Get what they want or need NOW Get what they want or need NOW No Credit Bureau Reporting No Credit Bureau Reporting No more concerns over when a No more concerns over when a payment is due – its automatic payment is due – its automatic

Why you will love the VIP Payment Program Brings you those additional customers who cannot qualify for, or dont want to pay by traditional methods. Brings you those additional customers who cannot qualify for, or dont want to pay by traditional methods.

Defines yours as the go-to business within your industry with an easy payment plan more customers can qualify for. Defines yours as the go-to business within your industry with an easy payment plan more customers can qualify for.

Provides a great opportunity to up- sell to a higher quality of products and services by putting them within reach of those who would prefer to upgrade if they could. Provides a great opportunity to up- sell to a higher quality of products and services by putting them within reach of those who would prefer to upgrade if they could.

Customers cant take your approval to the competition. Customers cant take your approval to the competition. No more worries about how your customers will pay. No more worries about how your customers will pay.

No more bank loan hassles or card payment declines. No more bank loan hassles or card payment declines. No more bounced checks! No more bounced checks!

Increase your traffic, sales and profit at zero net cost to you Increase your traffic, sales and profit at zero net cost to you No special equipment to buy or lease, just a computer with Internet and a fax machine No special equipment to buy or lease, just a computer with Internet and a fax machine

Merchant Requirements Computer with Internet Access and Printer Computer with Internet Access and Printer Scanner or Fax machine Scanner or Fax machine A willingness to work with your customers A willingness to work with your customers and let them make payments over 90 days. and let them make payments over 90 days.

Merchant Requirements A desire to capture the business that passes A desire to capture the business that passes you by every day because you dont have a you by every day because you dont have a payment plan they can qualify for. payment plan they can qualify for.

Customer Requirements Drivers License or State ID Drivers License or State ID Proof of Income* Proof of Income* Valid Checking Account Valid Checking Account *Total purchase not to exceed $2,000 or 50% of customers combined monthly net household income. customers combined monthly net household income.

How It Works How It Works Log into your account Log into your account on our secure Internet on our secure Internet portal with your user portal with your user name and Password. name and Password.

Enter the customers Enter the customers personal information personal information into the application into the application and click SUBMIT. and click SUBMIT.

Enter Bank Account Enter Bank Account information, Total information, Total Payment Amount and Payment Amount and Payment Frequency, Payment Frequency, either weekly, bi-weekly, either weekly, bi-weekly, or monthly and click or monthly and click SUBMIT. SUBMIT.

Get a response in seconds. Get a response in seconds. Once approved, your Once approved, your customer will choose a customer will choose a payment method for the payment method for the $25 application fee – Cash $25 application fee – Cash Check, Debit or Credit Card. Check, Debit or Credit Card.

Print out the Consumer Print out the Consumer Authorization form for Authorization form for customers signature and customers signature and select a start date for select a start date for first payment. first payment.

Thats all there is to it! Fax the signed agreement into our office. Your customer leaves satisfied and your payments are deposited to your account on the payment due dates… GUARANTEED! GUARANTEED!

32 EXAMPLE SALE Total cost of goods / services $1, One time application fee $25.00 $10.00 convenience fee x 6 bi-weekly payments $60.00 (this is paid to you, the merchant) (this is paid to you, the merchant) Total cost to customer $1, Total cost to customer $1, Merchant Fees $1, x 6.5% (Guarantee fee) = $65.00 $1, x 6.5% (Guarantee fee) = $ $0.30 = $0.30 = 1.80 Cost to Merchant $66.80 Cost to Merchant $66.80 Less customer fees paid to you Less customer fees paid to you YOUR TOTAL NET COST YOUR TOTAL NET COST $6.80 Total cost of goods / services $1, One time application fee $25.00 $10.00 convenience fee x 6 bi-weekly payments $60.00 (this is paid to you, the merchant) (this is paid to you, the merchant) Total cost to customer $1, Total cost to customer $1, Merchant Fees $1, x 6.5% (Guarantee fee) = $65.00 $1, x 6.5% (Guarantee fee) = $ $0.30 = $0.30 = 1.80 Cost to Merchant $66.80 Cost to Merchant $66.80 Less customer fees paid to you Less customer fees paid to you YOUR TOTAL NET COST YOUR TOTAL NET COST $6.80

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Merchant Fees One -time investment of $ Annual renewal is automatic and free $20.00 per month maintenance fee 6.5% of each qualified, guaranteed sale $0.30 per payment transfer fee

Customer Fees $25.00 one time application fee Convenience fees $5.00 per payment if paid weekly $5.00 per payment if paid weekly $10.00 per payment if paid bi-weekly $10.00 per payment if paid bi-weekly $15.00 per payment if paid monthly $15.00 per payment if paid monthly

38 Missing Customer Exercise Weekly 1. How many would-be customers get turned down after applying?4 2. How many times a week do customers leave after hearing the price?5 3. How many give me an estimate calls do you get each week?3 4. How many customers would buy if you offered no credit check financing?3 5. How many customers could you up-sell if you could offer extra time to pay?2 6. How many more people might come in if they saw a no credit check sign?3 Total Potential Missing Customers per Week 20 Average Ticket or Transaction Amount $ 1, Multiplied By Number Of Missing Customers $ 30, Potential per Week addl revenue Potential Annual Revenue $ 1,560,000.00Per WEEK If 85% Could be Sold $ 1,326, $25,500 If 70% Could be Sold $ 1,092, $21,000 If 50% Could be Sold $ 780, $15,000 Substitute your own numbers and youll see the potential! Click When Ready to Advance Slide

Gain The Unfair Advantage Close those sales that are getting away due to financing difficulties. If youre losing just 2 sales a week and your average sale is $1,000, youre missing out on over $100,000 a year in revenue.

The V.I.P. Payment Program will enable you to capture that additional revenue and grow your business, at practically no net cost to you!

This program is essentially FREE to use. When you follow the VIP Payment Program Guidelines, the Consumer Convenience Fees paid by your enrolled customers will pay the monthly Maintenance Fee for you. Easy and Affordable

There is no equipment to buy or lease simply connect to the VIP website through the Internet using your computer. We will provide you an easy, hassle-free setupall you have to do is log on to the website once you receive your username and password. No Expensive Equipment to Lease

43 Your 100% Satisfaction is Guaranteed

44 FREE Bonus Service to our Clients Enrollment in the VIP Payment Program entitles you to Free inclusion in our NSF check re-presentment program. The Check Re-presentment service allows you to focus on new business while eliminating the resources, worry and cost involved with collecting NSF checks. With this program, when a customer's check bounces, we will re-present it to the bank up to two more times electronically. We have a very high success rate at recovering NSF checks using this method. We do not take a portion of the check - you get 100% face value, and we dont charge you anything at all for this service! Enrollment in the VIP Payment Program entitles you to Free inclusion in our NSF check re-presentment program. The Check Re-presentment service allows you to focus on new business while eliminating the resources, worry and cost involved with collecting NSF checks. With this program, when a customer's check bounces, we will re-present it to the bank up to two more times electronically. We have a very high success rate at recovering NSF checks using this method. We do not take a portion of the check - you get 100% face value, and we dont charge you anything at all for this service! Its 100% FREE to you as a VIP Client Its 100% FREE to you as a VIP Client Enrollment in the VIP Payment Program entitles you to Free inclusion in our NSF check re-presentment program. The Check Re-presentment service allows you to focus on new business while eliminating the resources, worry and cost involved with collecting NSF checks. With this program, when a customer's check bounces, we will re-present it to the bank up to two more times electronically. We have a very high success rate at recovering NSF checks using this method. We do not take a portion of the check - you get 100% face value, and we dont charge you anything at all for this service! Enrollment in the VIP Payment Program entitles you to Free inclusion in our NSF check re-presentment program. The Check Re-presentment service allows you to focus on new business while eliminating the resources, worry and cost involved with collecting NSF checks. With this program, when a customer's check bounces, we will re-present it to the bank up to two more times electronically. We have a very high success rate at recovering NSF checks using this method. We do not take a portion of the check - you get 100% face value, and we dont charge you anything at all for this service! Its 100% FREE to you as a VIP Client Its 100% FREE to you as a VIP Client

6/25/2009Version Our company is not a Better Business Bureau accredited business. What that means is we have never paid any accreditation fees to the BBB. We are proud of our BBB rating of A+ because we came by it honestly. We earned it through a clean record of NO COMPLAINTS in 20 years of business. This is a rarity in any industry, and virtually unheard of in the financial services industry. BBB Rating

How Do You Enroll? How Do You Enroll? Read and Complete the Application on the Enroll Now page of our website. Provide a copy of the Principal(s) Drivers License, and a company voided check. Fax these into our office. Pass the underwriting review. You will be issued a user ID and password to the application screen on our website. $ will be debited from your account.

Program Guidelines If the program guidelines are followed and you maintain at least one customer transaction in the system, the service will essentially pay for itself.

48 VIP Payment Program Guidelines Summary Consumer Qualifications The consumer may use joint income to qualify. The VIP Payment Program amount must not exceed $ or 50% of the monthly household net income. Before collecting the Application Fee, the Merchant should make the consumer aware that if the consumers credit history is somewhat in question, they may not qualify. Frequency Recommendations For a consumer purchase of $ and under, we recommend any of the three options, Weekly, Biweekly or Monthly. For a consumer purchase of $ to $ , we recommend the use of the Weekly or Biweekly Program. For a consumer purchase of $ and over we recommend the use of the Biweekly Program. Payments and Fees A nonrefundable $25.00 Application Fee will be collected online via credit card or debit card. Consumers may also pay by cash or check to the Merchant. *Although cash or check are options we strongly encourage you the Merchant/Service Provider to have consumers make payment on the webpage using debit/credit card. The funds will be debited from your account should payment not be made on the Website with a debit/credit card.

49 Choosing the Start Date The start date should be a week in which the consumer receives a paycheck. Verifications and Guarantees The Merchant/Service Provider must verify the consumers proof of income, preferably via a payroll check stub. Merchandise should not be released until all documentation has been confirmed accurate. The Merchant/Service Provider must keep all consumers qualifying documentation on file. We will Guarantee all funds that are returned through the ACH Network for R01 or RO9 (insufficient funds). All other returns will void the Guarantee and be placed with the Merchant/Service Provider to collect. The Merchant/Service Provider has 5 days to provide us with documentation collected from the consumer at the time of purchase. If the Merchant/Service Provider cannot produce the documentation, we will not be held liable to collect the debt. Immediate Consumer Disqualification A consumer may have no more than one (1) active VIP Payment Program within the same 90-day period, including with Merchants/Service Providers other than you. GMS VIP Payment Program Standards As a provider of the VIP Payment Program, it is imperative that the Merchant/Service Provider upholds the standard of treating consumers enrolled in the VIP Payment Program like VIPs. If we feel that these standards are not of VIP status, the Merchant/Service Provider may not qualify or may have the VIP Payment Program revoked.

50 We Do All the WorkYou Get All the Credit! As a nationwide Third Party Processor since 1992, our company is expert in the Automated Clearing House (ACH) guidelines and rules process. In the VIP Payment Program, we handle all the technical and rule compliance so you dont have to. The VIP Payment Program complies with all ACH rules and proceduresallowing you to establish an ACH program with your consumersautomatically. The VIP Payment Program works through the ACH network, which is an automated credit and debit system governed by the rules of the National Automated Clearing House Association (NACHA). The ACH network is a processing and delivery system that provides for the distribution and settlement of electronic credits and debits among financial institutions. In response to the rapid growth of check payments, the ACH network was developed in the early 1970s as an efficient, electronic alternative to checks. Through a nationwide telecommunications network, each ACH operator, who IDs the central clearing and settlement facility for ACH transactions, is able to communicate with other ACH operators to exchange entries quickly and efficiently, regardless of geographic distances involved. The ACH network offers an assortment of technical formats that can be used for a variety of payment applications, products and services

The V.I.P. Team