2.  Allows Merchants to extend credit up to 12 months without a credit check, provided the customer has a good check writing history and proof of income.

3. Merchant must furnish:  Business license  Voided check  Driver’s license  In most cases: a full bank statement

4.  Merchant must lease/purchase terminal and check reader  No setup fee ($25.00 Marketing Fee will apply)

5.  Financing Terms: 3 Months, 6 Months, 9 Months, & 12 Months  3 & 6 Months: 9% Warranty Fee  9 Months: 12% Warranty Fee  12 Months: 15% Warranty Fee

6.  Customer may request to have funds withdrawn weekly, biweekly or once a month  Note: To be advanced Merchant must be choose weekly or bi-weekly mode.  $7.00 application fee for single check conversion option (Up to $36,000.00) 1.5% +$0.20 fee for single check conversion

7. Included merchants:  Jewelry stores ($1,200.00 Max)  Travel/vacations/timeshares  Home-based businesses (Some Restrictions)  Clothing  Car audio

8. Excluded merchants:  Bankruptcy attorneys  Pawn shops  Credit repair agencies  Coin dealers  Auto Sales

9.  Transaction process Merchant: 1. Logs into website. 2. Fill out application 3. Submits down payment check via check reader/terminal along with transaction number. 4. Fax or upload paycheck stub & bank statement to processor. 5. Receive approval notification within 10 minutes.

10. Call James Kosmatka at 800/330-7221 or email James@PlatinumOneLLC.com