1. PLATINUM ONE LLC. SALES AND TRAINING
Presented by Platinum One LLC

2. PLATINUM ONE LLC NEA90 SALES AND TRAINING TABLE OF CONTENTS
INTRODUCTION
WHO WE ARE, WHO WE WORK WITH
WHY WE’RE IN BUSINESS
ADDING VALUE
WHAT ARE WE SELLING/ HOW IT WORKS?
EPS90
WHAT SEPARATES US FROM COMPETITION
PROSPECTING
WHAT BUSINESSES CAN USE OUR PROGRAM
FLYERS
INSTALLATION AND VERIFICATION
CONTRACT PAPERWORK
WHAT NEEDS TO BE FILLED OUT

3. INTRODUCTION WHO WE ARE AND WHO WE WORK WITH
PLATINUM ONE LLC REPRESENTS NEA90
NEA90 HAS PAIRED UP WITH THE NATIONAL EMPLOYERS ASSOCIATION
NEA HAS BEEN IN BUSINESS FOR OVER 50 YEARS!
PROVIDES BUSINESS SOLUTIONS TO EMPLOYERS AND CONSUMERS
REPRESENTS EPS 90 (ELECTRONIC PAYMENT SYSTEMS)
EPS HAS AN “A RATING” IN THE BETTER BUSINESS BUREAU
EPS IS A 22 YEAR OLD DEBT FREE COMPANY
PROCESSES OVER $3 BILLION A YEAR IN FINANCIAL SERVICES
HAS OVER 100,000 MERCHANT ACCOUNTS

4. INTRODUCTION WHO WE ARE AND WHO WE WORK WITH
WE PROVIDE MERCHANT SERVICES
OUR MERCHANT SERVICES ARE DESIGNED TO ADD BUSINESS AND PROFIT BUILDING SALES TO BUSINESSES’ BOTTOM LINE
WE PROVIDE IN HOUSE PAYMENT PROGRAMS THAT MERCHANTS CAN EXTEND TO CLIENTS THAT HAVE POOR CREDIT, NO AVAILABLE CREDIT, OR THOSE WHO CANNOT PAY IN FULL AT THE TIME OF SERVICE
THIS PROGRAM BENEFITS THE ECONOMY, YOUR COMMUNITY, BUSINESSES, AND CONSUMERS

5. INTRODUCTION WHY WE’RE IN BUSINESS
THE CURRENT STATE OF OUR ECOMONY HAS FORCED BUSINESS OWNERS TO LOSE BUSINESS
FINANCIAL PROBLEMS TODAY
WHEN OUR ECONOMY CRASHED, SO DID THE FINANCIAL SECTOR
WHEN THE FINANCIAL SECTOR COLLAPSED, SO DID THE RETAIL
SEGMENT OF THE MARKET
BANKS STOPPED GIVING OUT PERSONAL LOANS
CONSUMER CREDIT IS NOT AVAILABLE OR HAS BEEN REDUCED
VIRTUALLY OVER NIGHT, BUSINESS OWNERS AND ENTIRE INDUSTRIES BECAME UNABLE TO FINANCE THEIR CUSTOMERS
CONSUMERS ARE UNABLE TO GET THE TREATMENT, PRODUCTS, OR SERVICES THEY COULD FINANCE IN THE PAST

6. INTRODUCTION WHY WE’RE IN BUSINESS
BUSINESS OWNERS TURN AWAY BUSINESS OR LOSE CUSTOMERS BECAUSE THEIR CUSTOMERS CANNOT PAY FOR THEIR PRODUCTS AND SERVICES UPFRONT
OUR PROGRAM IS DESIGNED TO CAPTURE ALL THAT LOST BUSINESS AS WELL AS ADD BUSINESS BY ALLOWING THE CUSTOMER TO PAY FOR THE PRODUCTS OR SERVICES OVER A 90 DAY PERIOD
OUR IN-HOUSE PAYMENT PROGRAM IS ESSENTIALLY A REVERSE LAYAWAY PROGRAM
90 DAY NO CREDIT CHECK IN-HOUSE PAYMENT PROGRAM UP TO $5,000
GIVES BUSINESSES THE ABILITY TO EXTEND A ‘BRIDGE LOAN’ TO CUSTOMERS
CUSTOMER RECIEVES TREATMENT, PRODUCT, OR SERVICE THEY NEED TODAY
MERCHANT IS GUARANTEED CUSTOMER’S PAYMENT PROGRAM

7. INTRODUCTION WHY WE’RE IN BUSINESS
BUSINESSES CAN MAKE MONEY TWO WAYS:
CUT COSTS OR INCRESE VOLUME
WE PROVIDE THE MEANS TO INCREASE VOLUME
BUSINESSES WHO CONSISTANTLY USE AND MARKET OUR PROGRAM WILL SEE AN INCREASE OF CUSTOMER TRAFFIC BETWEEN 20-50%
SIMPLY OFFERING A NO CREDIT CHECK PAYMENT PROGRAM WILL INCREASE CONSUMER TRAFFIC INTO PRACTICE, SHOP, LOT, STATION, OR STOREFRONT
IF THIS PROGRAM IS NOT ADVERTISED OR MARKETED, CONSUMERS WILL NOT KNOW THIS IS AVAILABLE
TO EFFECTIVELY USE THIS SYSTEM, BUSINESSES WILL RELY ON SIGNAGE, ADVERTISING, AND WORD OF MOUTH
OUR PROGRAM IS DESIGNED FOR TODAY’S ECONOMY!
MERCHANTS WILL NEVER HAVE TO TURN AWAY ANOTHER CUSTOMER BECAUSE OF THE CUSTOMER’S INABILITY TO PAY AT THE TIME THE PRODUCT OR SERVICE IS OFFERED OR RENDERED

8. ADDING VALUE HOW WE ADD VALUE IN TODAY’S ECONOMY
WE ADD VALUE BY PROVIDING CUSTOMERS ANOTHER WAY TO PAY FOR TREATMENT, PRODUCTS, AND SERVICES WHEN PAYING UPFRONT MAY NOT BE AN OPTION
WE INCREASE CUSTOMER TRAFFIC AND ADD PROFIT BUILDING SALES TO BUSINESSES
CUSTOMERS ARE NOW ABLE TO RECEIVE TREATMENT, PRODUCTS, AND SERVICES THEY NORMALLY COULDN’T AFFORD
BUSINESS OWNERS WILL INCREASE THEIR VOLUME AND ARE GUARANTEED PAYMENTS
WE TAKE ON THE RISK!
NOW BUSINESSES NEVER HAVE TO TURN AWAY ANOTHER CUSTOMER BECAUSE THEY CAN’T PAY AT THE TIME TREATMENT IS RECEIVED OR WHEN PRODUCTS AND SERVICES ARE OFFERED

9. WHAT ARE WE SELLING? ELECTRONIC PAYMENT SYSTEMS
ONLY SYSTEM AVAILABLE WITH BOTH POINT OF SALE (VISA/MC) TERMINAL AND 90 DAY NO CREDIT CHECK PAYMENT PROGRAM IN ONE SYSTEM!
PRIMARY FUNCTION OF THIS TERMINAL IS TO SCAN AND PROCESS CHECKS
CONVERTS PAPER CHECKS INTO GUARANTEED ELECTRONIC DEBITS FROM CUSTOMER’S CHECKING ACCOUNT
GUARANTEES THAT THE MERCHANT WILL RECEIVE PAYMENTS ACCORDING TO CUSTOMER’S PAYMENT SCHEDULE
ALLOWS MERCHANT TO ACCEPT PAYMENTS FROM THEIR CUSTOMERS VIA ACH OVER A 90 DAY PERIOD
FLEXIBLE PAYMENT PLAN FOR CUSTOMERS

10. WHAT ARE WE SELLING? ELECTRONIC PAYMENT SYSTEMS

11. WHAT ARE WE SELLING? HOW IT WORKS
CUSTOMER NEEDS TREATMENT, PRODUCT OR SERVICE:
LET’S USE A NEW TRANSMISSION AS AN EXAMPLE
VEHICLE IS BROUGHT TO TRANMISSION SHOP
MERCHANT TELLS THE CUSTOMER A NEW TRANSMISSION IS $2,000 FOR PARTS AND LABOR
CUSTOMER ONLY HAS $1,000 TODAY
HAS LESS THAN PERFECT CREDIT
DOES NOT HAVE ENOUGH AVAILABLE CREDIT ON CREDIT CARD(S) FOR THE DIFFERENCE
BANK WILL NOT GIVE OUT PERSONAL LOAN
CUSTOMER NEEDS CAR TO GET TO WORK
MERCHANT NEEDS BUSINESS TO STAY IN BUSINESS
WE SOLVE THIS PROBLEM

12. WHAT ARE WE SELLING? HOW IT WORKS
THE INTEREST IS 12% UPFRONT, ONE TIME
OUT OF THE 12%, WE RETURN 3.5% BACK TO THE MERCHANT (END OF MONTH)
THERE IS A $25 APPLICATION FOR THE CUSTOMER
EXAMPLE
LOAN ON $1,000
12% (INTEREST) ON $1,000= $120
$1,120 + $25(APP FEE)=$1,145
TOTAL LOAN = $1,145
MERCHANT IS ENCOURAGED TO GET AS MUCH UPFRONT AS CUSTOMER CAN AFFORD THAT DAY
MINIMUM DOWN IS 15% OF TOTAL LOAN ($171.75)
THIS IS CUSTOMIZABLE, SO THE MERCHANT CAN REQUIRE WHATEVER UPFRONT
PERCENTAGE OF THE LOAN AT THE TIME THE LOAN IS OFFERED
EXAMPLE: PARTS FOR NEW TRANMISSION IS 50% OF TOTAL COST OF SERVICE. MERCHANT CAN REQUIRE THE COST OF PARTS TO BE COVERED UPFRONT

13. WHAT ARE WE SELLING? HOW IT WORKS
EXAMPLE:
CUSTOMER PRESENTS A PERSONAL CHECK FOR THE MONEY HE CAN PAY TODAY IN THE AMOUNT OF $1,000 WHILE MERCHANT VERIFIES PROOF OF INCOME
CHECK 1002 NOV 1 $229
MERCHANT SCANS THE CHECK THROUGH OUR TERMINAL
WITHIN 10 SECONDS, THE CUSTOMER WILL BE APPROVED OR DENIED THE LOAN
REQUIREMENTS FOR THIS LOAN ARE:
CHECKING ACCOUNT ACTIVE FOR AT LEAST 60 DAYS
CHECK WRITING HISTORY IS EXAMINED
AVERAGE DAILY BALANCE IS EXAMINED IN RELATIONSHIP TO TOTAL LOAN AMOUNT
CONTINUED

14. WHAT ARE WE SELLING? HOW IT WORKS
ONCE OR IF APPROVED, THE MERCHANT WORKS OUT A FLEXIBLE PAYMENT SCHEDULE FOR THE CUSTOMER TO PAY THE LOAN AMOUNT OVER THE NEXT 90 DAYS
MERCHANT ASKS CUSTOMER HOW WILL THEY WILL PAY FOR THE LOAN
CUSTOMER INDICATES THEY ARE PAID ON THE 1ST AND 15TH OF THE MONTH
MERCHANT DIVIDES TOTAL LOAN AMOUNT SO CUSTOMER CAN PAY FOR THE SERVICES OVER A 90 DAY PERIOD
SOME CUSTOMERS WILL USE ENTIRE 90 DAY LIMIT, WHILE OTHERS WILL PAY OFF LOAN FASTER

15. WHAT ARE WE SELLING? HOW IT WORKS
EXAMPLE:
TOTAL LOAN: $1,145
5 PAY CHECKS
PAYMENT EVERY PAY CYCLE $229
CUSTOMER WRITES 5 POST DATED CHECKS FOR THE AMOUNT OF $229 TO THE MERCHANT
CHECK 1002 NOV 15 $229
CHECK 1003 DEC 1 $229
CHECK 1004 DEC 15 $229
CHECK 1005 JAN 1 $229
CHECK 1006 JAN 15 $229
CHECKS ARE SCANNED THROUGH THE TERMINAL AND RETURNED TO CUSTOMER

16. WHAT ARE WE SELLING? HOW IT WORKS
4 X 7 INCH PRINT OUT OF PAYMENT SCHEDULE IS PRINTED OFF
CUSTOMER AND MERCHANT SIGN OFF ON THE AGREEMENT
MERCHANT KEEPS COPY OF CUSTOMERS’ DRIVER’S LICENSE, PROOF OF EMPLOYMENT, AND CONTRACT ON FILE
MERRICK BANK DEPOSITS CHECK AMOUNTS AT MIDNIGHT THE FOLLOWING DAY OF THE PAYMENT SCHEDULE INTO MERCHANT’S CORPORATE ACCOUNT
MERCHANT NEVER HAS TO CASH CHECKS

17. WHAT ARE WE SELLING? REVIEW
MERCHANT’S REQUIREMENTS:
VERIFY CUSTOMER’S PROOF OF INCOME
CALL EMPLOYER TO VERIFY EMPLOYMENT OR
MAKE A COPY OF CUSTOMER’S PAY STUB
MAKE A COPY OF CUSTOMER’S IDENTIFICATION
DRIVER’S LICENSE, MILITARY, OR STATE ID
KEEP COPIES OF CONTRACT, PROOF OF INCOME, AND IDENTIFICATION
CUSTOMER’S REQUIREMENTS:
VALID CHECKING ACCOUNT OPEN FOR AT LEAST 60 DAYS
GOOD CHECK WRITING HISTORY
DOWNPAYMENT FUNDS AVAILABLE IN CHECKING ACCOUNT AT TIME REPAYMENT APPLICATION

18. WHAT ARE WE SELLING? WHAT SEPARATES US FROM THE COMPETITION
AS A PLATINUM ONE AGENT YOU CAN EXPECT:
INSTANT CREDIBILITY FROM REPUTABLE COMPANY
WEBSITE TO DIRECT CUSTOMERS TO
COMING SOON!
WEEKLY WEBINAR TRAINING PRESENTED BY PLATINUM ONE LLC TO REFRESH AND FINE TUNE SALES SKILLS
CONSTANT SUPPORT FROM YOUR UPLINE MANAGEMENT
MARKETING AND ADVERTISING SUPPORT AT NO COST TO YOU
WEEKLY COMMISSIONS AND OPPORTUNITY FOR HIGHER CONTRACTS BASED ON SALES VOLUME
MANAGEMENT OPPORTUNITY

19. WHAT ARE WE SELLING? WHAT SEPARATES US FROM THE COMPETITION
AS A PLATINUM ONE AGENT:
WHEN NEW SYSTEMS BECOME AVAILABLE THAT FIT INTO OUR PRODUCT LINE YOU WILL BE AUTHORIZED TO MARKET THESE PROGRAMS
NOT REQUIRED TO CAPTURE POS BUSINESS
(ALL OTHER EPS DISTRIBUTORS ARE REQUIRED TO DO THIS, MUCH MORE DIFFICULT SALE)
HIGHEST COMMISSIONS AND ROOM FOR ADVANCEMENT IN THE INDUSTRY

20. PROSPECTING WHAT BUSINESSES WILL BENEFIT FROM OUR PROGRAM
BUSINESSES WITH INVOICES ABOVE $300
TARGET MARKETS INCLUDE:
DENTAL PRACTICES
ATTORNEYS
AUTOMOTIVE REPAIRS
AUTOMOTIVE SALES
VETERINARIANS
FUNERAL SERVICES
CONTRACTORS
FURNITURE SALES

21. MANY RESOURCES TO FIND OUT COMPANY INFORMATION
FIND BUSINESSES NEAR YOU!
AND (PARISH BULLETIN ADVERTISING)
IF YOU HAVE A LIBRARY CARD
NARROW YOUR SEARCH TO THE INDUSTRIES LISTED ABOVE IN YOUR IMMEDIATE AREA
IDENTIFY DECISION MAKER

22. PROSPECTING NEA90 SAMPLE FLYER

23. PROSPECTING PLATINUM ONE SAMPLE DENTAL MEDICAL FLYER

24. ELIGIBILITY WHAT IF A CUSTOMER DOESN’T QUALIFY?
IF A CUSTOMER DOES NOT QUALIFY BASED ON THEIR CREDIT RATING AND HISTORY, THERE ARE OTHER PAYMENT OPTIONS:
FIRST OPTION
IF CUSTOMER IS DECLINED BECAUSE THE GUARANTOR DOES NOT QUALIFY, THAT CUSTOMER CAN USE THEIR CORPORATION AS THE GUARANTOR
MUST SUBMIT LAST TWO YEARS OF CORPORATE PROFIT LOSS STATEMENTS AND LAST YEAR’S CORPORATE TAX RETURN WITH APPLICATION
COMMISSIONS PAID OUT ON CORPORATION’S RATING

25. ELIGIBILITY WHAT IF A CUSTOMER DOESN’T QUALIFY?
SECOND OPTION
IF A CUSTOMER IS DECLINED BECAUSE THE GUARANTOR DOES NOT QUALIFY, THAT CUSTOMER CAN DO A ONE TIME UPFRONT PAYMENT FOR THE 48 MONTH LEASE FOR $
CUSTOMER IS STILL RESPONSIBLE FOR $10.00 MONTHLY STATEMENT FEES
COMMISSIONS PAID OUT AT A “C” RATING FOR THIS PAYMENT OPTION

26. INSTALLATION VERIFICATION
THE UNIT SHIPS WITHIN 72 HOURS UPON RECEIPT OF APPLICATION
CUSTOMER OR CORPORATION WILL BE EVALUATED BASED ON CREDIT RATING AND THEN WILL BE GIVEN A RATING (P, A, B, C, D)
THIS RATING WILL DETERMINE YOUR COMMISSION LEVELS
90% OF THE COMPANIES WE WORK WILL BE RATED P, A, OR B (BEST CREDIT)
FEDEX WILL DELIVER UNIT TO CORPORATE ADDRESS
WITHIN TEN MINUTES OF FEDEX DELIVERY PERSON SCANNING THE BAR CODE ON PACKAGE, OUR INSTALLATION TEAM WILL CONTACT THE OWNER AND GUARANTOR AND BEGIN INSTALLATION PROCESS (20-30 MINUTES)
AFTER INSTALLATION IS COMPLETE, A THREE WAY CALL WITH THE LEASING COMPANY (LADCO) WILL VERIFY THE LEASE AGREEMENT WITH THE GUARANTOR

27. INSTALLATION LADCO LEASING QUESTIONAIRRE
1. Can you state you full name?
2. Can you verify the last four digits of your social security#?
3. What is the name of you business?
4. How many years have you been in business?
5. What type of business structure are you? Sole Proprietor? Corp.? LLC?
6. What is your title with the business?
7. What is your percent of ownership?
8. Have you received your system and has it been installed?
9. I show your lease terms are for 48 months at $99.90 a month is this correct?
10. I want to make sure that you are aware that you signed a personal guarantee on a non cancellable lease?