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What is EXPRESS CASH Up to 12 months, In-house Alternative financing 3 mo. 6 mo. 12 mo. Non-Recourse (no chargeback on defaults) Merchant is funded 100% within hours Not credit score driven EXPRESS CASH is not financing in the normal sense, but a payment guarantee product that bridges the gap between other financing products that merchants have at their disposal.

A-Rated Underwriter Secure, National underwriter Processing an annual guaranteed check volume in excess of $ 700 million Inventor of Payday Advance Funding and the only provider of this unique, patent-pending process

Customer Process (Four Easy Steps) 1.The Customer signs the agreement for the requested products or services 2.The customer presents a check for 25% down, payable to the merchant for the products or services. 3.The EXPRESS CASH merchant calls the toll free number 4.The merchant scans the check, driver’s license and agreement and enters the customer’s payment schedule

EXPRESS CASH Highlights Guarantees your customer’s payments Up to $5,000 Available Up to 70% approval in 30 seconds or less Merchant does not collect on customer’s bad debts, keeping relationships positive

EXPRESS CASH Highlights EXPRESS CASH provides Processor, Imager and Proprietary software Not designed to replace, but enhance existing financing Single check guarantee included with all EXPRESS CASH applications

Frequently Asked Questions Q Does the $5,000 include fees? A Yes Q Are the approvals live or automated? A Live Q Is the merchant required to purchase new hardware in order to use this software? A Yes. EXPRESS CASH software may not be compatible with other software you are currently using. By downloading EXPRESS CASH onto your current machine, conflictions could arise, causing the software to malfunction. Should this happen, you would no longer be able to use EXPRESS CASH or even the software you were using before. Q What is single check guarantee? A An affordable check cashing process for checks up to $36,000 guaranteed by the underwriter

Easy Approval Process Qualifications: Valid personal checking account with imprinted checks Valid state or federal photo i.d. 25% down at time of purchase Customer’s payment history for prior 12 months is the primary qualifier

Reasons for Decline The only items that would automatically disqualify a customer from participating are: — Open Bankruptcy — State and Federal tax liens —Recent history of writing bad checks

Frequently Asked Questions Q Will you accept company checks? A No. personal checks only Q What are the acceptable forms of i.d? A Driver’s License or federal photo i.d. Q Can the 25% down vary? A No. Must be 25%. No more, no less. HOW MUCH IS IT

Dealer Revenue Worksheet Example of a Typical Service Shop Potential Loss Revenue Service Department How many “Customer Pay” RO’s does you Service Department write in an average month? 500 How many “Customer Pay” RO’s are written in a typical month, that do not get authorized for repairs by the customer. 35 or 7% The average “Customer Pay” RO that is not authorized typically averages about $800, would you agree? What is your Dealerships average “Customer Pay” RO that isn’t authorized? $ Number of monthly “Customer Pay RO’s not authorized x $800 Average = $28, Total Potential Service Revenue Missed (with a 70% approval rate) with Express Cash = $235,200 ($28,000 x 12 months = $336,000 x 70% = $235,200) (Please substitute your facilities average Invoice amount or RO Estimate)

Merchant’s Initial Investment Merchant Investment $3,995 or $127 Per Month on a Lease Set-Up fee of $ (Billed on 1 st month statement)

Merchant’s Reoccurring Fees $95.00 annual renewal fee $10.00 monthly statement fee other fees may apply, see agent for details

EXPRESS CASH wants to thank you for giving us the opportunity to present to you this unique product line Referrals always welcome