Excluded merchants:  Bankruptcy attorneys  Pawn shops  Credit repair agencies  Coin dealers

Included merchants:  Jewelry stores  Travel/vacations/timeshares  Home-based businesses  Clothing  Car audio  Full amount of used cars (processor does take a position on the note)

No merchants are turned down due to credit/bank statements (leasing company may still decline, however). Merchant does not need to furnish bank statements or IRS forms. Merchant must furnish:  Business license  Voided check  Driver’s license

 Merchant must lease/purchase terminal and check reader  No setup fee  $7.00 application fee for single check conversion option 1.5% +$0.20 fee for single check conversion

 Financing terms: 45 days, 60 days, 90 days, 135 days, 180 days  Limits/warranty fees: $0 - $1500 – 8% $ $2500 – 15%

 Customer must present ID, paycheck stub or bank statement (if self-employed)  If customer has 1 or fewer NSFs in past 6 months, merchant receives full amount of funds  If customer has NSFs in past 6 months, merchant receives the downpayment and the balance is “paid when paid”  If customer has 6 or more NSFs in previous 6 months, s/he does not qualify

 Customer may request to have funds withdrawn weekly, biweekly or once a month

 Transaction process Merchant: 1. logs into website 2. fills in application online, receives transaction number 3. faxes in bank statement or check stub along with transaction number 4. submits down payment check via check reader/terminal along with transaction number 5. receives approval notification within 10 minutes

Call James Kosmatka at 800/ or at