WHAT IS THE MOST UNDERSERVED CONSUMER NEED?

• Fact: 53% of Americans are “Tapped Out” and have Bad Credit. • Resulting Need: A Severe Lack of Purchasing Power. • Solution: Offer a “No Credit Needed” Payment Plan to Serve Majority of Americans Who Don’t Qualify for Private Label Credit Cards.

HOW CAN A “NO CREDIT NEEDED” PROGRAM DELIVER AN 8% SALES LIFT?

70% of sub-prime applicants and customers with no credit score can be instantly approved for purchasing power up to $2,800 by making decisions based on customer data instead of FICO scores.

WHAT IS THE COST?

•50% of consumers will take advantage of a Low Cost, 90 Day Payout Option at No Cost to Merchant •The other half will enjoy the Lowest Pricing for a "No Credit Needed" Program.

HOW IS ALL THIS POSSIBLE AT NO COST TO MERCHANTS?

Through a 1 year Lease-Purchase Contract with no APR restrictions and a popular, low cost 90 day option.

WHAT DO MOST CUSTOMERS THINK ABOUT THIS PROGRAM?

•It’s very popular •85% go forward •50% take advantage of the Low Cost, 90 Day Payment Option •And Repeat Purchases are common