1. FIRST FUNDS, LLC. An Introduction

2. AN OVERVIEW  We offer cash advances to small and mid-size merchants  We buy a percentage of the merchant’s future Visa/MC/AMEX /Discover receipts  The average advance is $20,000 and average term is six to seven months. Payback is deducted from daily receipts automatically  Merchant does not personally guarantee repayment. He/she DOES guarantee compliance with representations and warranties.

3. THE NUMBERS  Merchant’s average monthly Visa/MC/AMEX /Discover receipts = $10,000  $10,000 X 125% = $12,500  Advance = $12,500 payback = $16,875  Payback = 1.35 X advance  Merchant receives cash today equal to 74% of the future receipts sold  25% of daily Visa/MC/AMEX /Discover receipts deducted until $16,875 collected (approx. 7 months)

4. TARGET MARKET  Restaurant/tavern  Small retailers  Cannot qualify for bank financing  Time constraints  Every merchant

5. REASONS FOR CASH ADVANCE  Expansion  Equipment purchase  Inventory purchase  Down payment  Acquisition  Buyout  Short term cash flow shortfall

6. MERCHANT ADVANTAGES  Merchant can receive up to $1,O00,000  No personal guarantee required on repayment  No reporting to credit bureaus  Payback based on timing of Visa/MC/AMEX /Discover receipts  Automatic payback  No fees or penalty for extended payback period  A/B credit not required  Financials/tax returns not required

7. MERCHANT REQUIRMENTS  Twelve (12) months in business  Minimum $3,500 per month in Visa/MC/AMEX /Discover

8.  First Funds application  Four months processing statements  First Funds Merchant Agreement  Voided check DOCUMENTS

9. COMMISSIONS  On Initial Merchant Agreements 7.5% of the payback amount, UP FRONT  On Repeat Merchant Agreements 4.5% of the payback amount, UP FRONT