“ Funding Small Business is our Business” MEMBER OF Company and Program Overview February 2008 americanfinancesolutions.com

About American Finance Solutions Marketplace Need Target Markets How it Works Value Proposition Tools Questions and Answers AGENDA

About American Finance Solutions

Marketplace Need

Target Markets

How it Works

Value Proposition

Tools

Questions and Answers

Located in Anaheim, CA Began operations in 2005 Well Financed CBC and Wells Fargo High net worth owners Strong Management Team Leadership experience Strong experience in the Finance, Operations and Sales & Marketing Currently Servicing Over 200 Acquirers and ISOs Aligned with industrys’ key processors Integrity Payment Systems, Top 20 processing company in the industry Bank Card Central OnePay Cynergy ABOUT AMERICAN FINANCE SOLUTIONS American Finance Solutions is the fastest growing provider of merchant cash advances in the industry.

Located in Anaheim, CA

Began operations in 2005

Well Financed

CBC and Wells Fargo

High net worth owners

Strong Management Team

Leadership experience

Strong experience in the Finance, Operations and Sales & Marketing

Currently Servicing Over 200 Acquirers and ISOs

Aligned with industrys’ key processors

Integrity Payment Systems, Top 20 processing company in the industry

Bank Card Central

OnePay

Cynergy

Scott Griest, CEO Scott founded two retail finance service companies in Southern California, of which he successfully sold one and retains co-ownership with Philip on the second. In addition, Scott holds equity stakes in several small businesses where he has contributed both capital and his entrepreneurial expertise. Prior to these ventures, Scott held multiple roles with automotive manufacturing companies including sales, marketing, sales training, promotions and advertising. Scott holds both a BA in Economics and a MBA from Pepperdine University. Philip Pane, Principal Philip has over seven years of direct finance and accounting experience as well as over 12 years of sales, marketing and business development experience. Previously, Philip was a sales and marketing associate for a leading financial consulting firm in charge of developing new business and account management. Philip also has over 10 years of experience developing new businesses and products in the USA and Australia. Philip holds a Bachelor of Commerce from the University of Queensland and is a credentialed associate CPA. ABOUT AMERICAN FINANCE SOLUTIONS

Scott Griest, CEO

Scott founded two retail finance service companies in Southern California, of which he successfully sold one and retains co-ownership with Philip on the second. In addition, Scott holds equity stakes in several small businesses where he has contributed both capital and his entrepreneurial expertise. Prior to these ventures, Scott held multiple roles with automotive manufacturing companies including sales, marketing, sales training, promotions and advertising. Scott holds both a BA in Economics and a MBA from Pepperdine University.

Philip Pane, Principal

Philip has over seven years of direct finance and accounting experience as well as over 12 years of sales, marketing and business development experience. Previously, Philip was a sales and marketing associate for a leading financial consulting firm in charge of developing new business and account management. Philip also has over 10 years of experience developing new businesses and products in the USA and Australia. Philip holds a Bachelor of Commerce from the University of Queensland and is a credentialed associate CPA.

We provide cash advances We are not an ISO. We are not a competitor. Our product is a purchase of future credit card receivables It is not a loan. Simple Sales Process Referral program allows sales rep to focus on merchant processing and core products. Internal “closers” do the work. On-line tools allow Partners to track the merchant through the underwriting process. No need for merchant to convert to another processor. Focus on ISO and Merchant satisfaction AMERICAN FINANCE SOLUTIONS STRATEGY AND VISION Helping business owners achieve their dreams by delivering: Customer Service, Value and Integrity

We provide cash advances

We are not an ISO. We are not a competitor.

Our product is a purchase of future credit card receivables

It is not a loan.

Simple Sales Process

Referral program allows sales rep to focus on merchant processing and core products.

Internal “closers” do the work.

On-line tools allow Partners to track the merchant through the underwriting process.

No need for merchant to convert to another processor.

Focus on ISO and Merchant satisfaction

Established Credit Urgent Need for Cash Insufficient Credit, Collateral or Years in Business Need for Flexible Payment Terms TRADITIONAL BANK LOAN Fixed Monthly Payments Need for Documentation and Processing MERCHANT SITUATION MARKETPLACE OPPORTUNITY Over six million small businesses in the United States need some type of cash product at some point in their business cycle. Successful small businesses are becoming “un-bankable.”

Target List Auto repair shops Restaurants Convenience stores Delicatessens Hair and nail salons & spas Liquor stores Most Brick and Mortar retailers Basic Eligibility Requirements In business > 6 months More than $2,500/month of processing volume Greater than 15 batches per month Minimum of 9 months remaining on lease No open bankruptcy Not on MATCH list TARGET MARKETS AFS serves a broad range of merchant segments. Merchants from over 300 MCCs have participated in our program.

Target List

Auto repair shops

Restaurants

Convenience stores

Delicatessens

Hair and nail salons & spas

Liquor stores

Most Brick and Mortar retailers

Basic Eligibility Requirements

In business > 6 months

More than $2,500/month of processing volume

Greater than 15 batches per month

Minimum of 9 months remaining on lease

No open bankruptcy

Not on MATCH list

Restricted Merchants Merchants with extreme seasonality Service oriented businesses (e.g., advertising agencies) Internet Mail Order /Telephone Order Prohibited Merchants Adult entertainment Airlines Annual memberships Cruise ships Direct/Multi-level marketing EBay sales Firearms Home based business Door-to-door Import/Export Insurance Internet prescriptions Kiosks Property management Timeshare sales Weight loss centers RESTRICTED AND PROHIBITED MERCHANT SEGMENTS AFS key restricted and prohibited segments.

Restricted Merchants

Merchants with extreme seasonality

Service oriented businesses (e.g., advertising agencies)

Internet

Mail Order /Telephone Order

Prohibited Merchants

Adult entertainment

Airlines

Annual memberships

Cruise ships

Direct/Multi-level marketing

EBay sales

Firearms

Home based business

Door-to-door

Import/Export

Insurance

Internet prescriptions

Kiosks

Property management

Timeshare sales

Weight loss centers

No security interest taken in home, business, equipment, or inventory No application fees No points or other upfront fees No fixed monthly payments No coupons or checks to write No impact on their ability to qualify for other financing No business use restrictions on the funding No hassles - quick application & fast funding Your merchants receive immediate working capital for their business within 3 to 9 business days to support growth Over 80% of merchants are approved - Money made simple! MERCHANT BENEFITS

No security interest taken in home, business, equipment, or inventory

No application fees

No points or other upfront fees

No fixed monthly payments

No coupons or checks to write

No impact on their ability to qualify for other financing

No business use restrictions on the funding

No hassles - quick application & fast funding

GROWTH SURVIVAL CONVENIENCE NEED Profile Survival Capital Emergency Funds/Pay Off Debt 80% Approval Rate Mid 500 FICO Score Acceptable Fast Cash No Collateral/Liens Profile Growth Capital Inventory/Seasonality 80% Approval Rate Fast Cash No Collateral/Liens Not Applicable Profile Convenience Capital Expansion/Unexpected Expense Fast Cash No Business Restrictions No Hassles Up to 150% of Monthly Processing Volume BUSINESS MODEL Customer Profile/Lifecycle Management

Profile

Survival Capital

Emergency Funds/Pay Off Debt

80% Approval Rate

Mid 500 FICO Score Acceptable

Fast Cash

No Collateral/Liens

Profile

Growth Capital

Inventory/Seasonality

80% Approval Rate

Fast Cash

No Collateral/Liens

Profile

Convenience Capital

Expansion/Unexpected Expense

Fast Cash

No Business Restrictions

No Hassles

Up to 150% of Monthly Processing Volume

HOW IT WORKS “ One Stop” Referral Sale – Your sales rep communicates the essentials of our product in less than 5 minutes! The merchant faxes the application and four months of Visa/MasterCard statements to us. After receiving the application, an AFS account executive will contact the merchant with the pre-approved advance amount. AFS will close the sale! We also take care of all the paperwork including the merchant receivable sale agreement, underwriting, and processor conversion, if necessary. AFS Does The Rest!

“ One Stop” Referral Sale – Your sales rep communicates the essentials of our product in less than 5 minutes!

The merchant faxes the application and four months of Visa/MasterCard statements to us.

After receiving the application, an AFS account executive will contact the merchant with the pre-approved advance amount.

AFS will close the sale! We also take care of all the paperwork including the merchant receivable sale agreement, underwriting, and processor conversion, if necessary.

ID Merchant Complete Application Send Documents to AFS AFS Sales AFS Underwriting AFS Processing & Funding AFS Accounting Contacts Merchant Quotes Merchant Closes Merchant Collects ALL contract paperwork Automated U/W Landlord and merchant interview Site inspection Coordinates Split Funding Wires funds to merchant Pays upfront commission weekly Pays ongoing residuals monthly 3 Minute Application 6 months processing statements ID existing and new merchants based on following criteria: Convenience High Growth Credit Issues Encrypted e-mail server Merchant called within one hour of submission. HOW IT WORKS 1 – 2 Days 3 – 4 Days 2 – 3 Days Total 5 – 6 Days PARTNER A F S

Contacts Merchant

Quotes Merchant

Closes Merchant

Collects ALL contract paperwork

Automated U/W

Landlord and merchant interview

Site inspection

Coordinates Split Funding

Wires funds to merchant

Pays upfront commission weekly

Pays ongoing residuals monthly

3 Minute Application

6 months processing statements

ID existing and new merchants based on following criteria:

Convenience

High Growth

Credit Issues

Encrypted e-mail server

Merchant called within one hour of submission.

OPERATIONAL INFRASTRUCTURE Automated & customized underwriting platform America Finance Solutions has implemented an Experian proven ASP Solution. Used by over 250 banks to underwrite small business lending operations. Secure Fully encrypted. Password-protected Compliant with state and federal regulations Accurate & Fast Customized software application evaluates each merchant Automated interface with Credit Bureaus. Allows AFS to consistently underwrite lower credit merchants (C and D paper) Key Benefits Underwrite lower credit merchants (C and D paper) Process more merchants (quickly and accurately) Provides peace of mind regarding data security Fewer merchants go bad (full commission paid)

America Finance Solutions has implemented an Experian proven ASP Solution.

Used by over 250 banks to underwrite small business lending operations.

Secure

Fully encrypted.

Password-protected

Compliant with state and federal regulations

Accurate & Fast

Customized software application evaluates each merchant

Automated interface with Credit Bureaus.

Allows AFS to consistently underwrite lower credit merchants (C and D paper)

Key Benefits

Underwrite lower credit merchants (C and D paper)

Process more merchants (quickly and accurately)

Provides peace of mind regarding data security

Fewer merchants go bad (full commission paid)

PARTNER VALUE PROPOSITION American Finance Solutions offers several benefits over the competition. Easy Referral Sale Maximizes Sales Rep time and reduces headaches. Helps keep sales reps focused on selling merchant services. Increases close ratios and thus commissionable accounts. Reduced training time for sales rep. Higher Cash Advance Value We routinely offer higher merchant advances (125%-150% vs. competitors’ 90%-120%). Equals greater merchant satisfaction and larger commissions. Reduces competitive activity for renewals. Flexible Funding Programs Provides flexibility to merchant. Will quote merchants in business less than 1 year as long as they can provide 6 months of V/MC statements. Deeper Underwriting FICO scores in the low to mid 500s are not uncommon. Produces higher acceptance rates and increased commissions. Higher Renewal Rate We renew more – 95% renewal rate. Recurring revenue for ISO. Merchant Incentives for Renewals We offer preferred pricing for renewals in good standing. Broader Industry Base We do not limit your coverage to just a few industries (i.e. restaurants) thus allowing you to capitalize on multiple segments.

Easy Referral Sale

Maximizes Sales Rep time and reduces headaches.

Helps keep sales reps focused on selling merchant services.

Increases close ratios and thus commissionable accounts.

Reduced training time for sales rep.

Higher Cash Advance Value

We routinely offer higher merchant advances (125%-150% vs. competitors’ 90%-120%).

Equals greater merchant satisfaction and larger commissions.

Reduces competitive activity for renewals.

Flexible Funding Programs

Provides flexibility to merchant.

Will quote merchants in business less than 1 year as long as they can provide 6 months of V/MC statements.

Deeper Underwriting

FICO scores in the low to mid 500s are not uncommon.

Produces higher acceptance rates and increased commissions.

Higher Renewal Rate

We renew more – 95% renewal rate.

Recurring revenue for ISO.

Merchant Incentives for Renewals

We offer preferred pricing for renewals in good standing.

Broader Industry Base

We do not limit your coverage to just a few industries (i.e. restaurants) thus allowing you to capitalize on multiple segments.

PARTNER VALUE PROPOSITION American Finance Solutions offers several benefits over the competition. We are not an ISO We do not compete for your merchant business. Professional and Responsive Team We are here to serve you and your merchants. Service Provider to the Acquirer/ISO Community We are positioned to service the needs of the entire Acquirer sales force and merchant base. Our infrastructure and approach is specifically designed to allow your entire sales team and merchant base to access our service rather that just a few successful agents who approach new merchants only. This approach strengthens your relationships with your sales force and your new and existing merchants. Turn Key We pay reasonable programming costs to implement split funding. Platforms – Split Funding or ACH We offer multiple solutions based on Partner/Merchant needs. Marketing Support Partner customized full marketing support to maximize new acquisitions and base penetration. Institutional Financing CBC and Wells Fargo.

We are not an ISO

We do not compete for your merchant business.

Professional and Responsive Team

We are here to serve you and your merchants.

Service Provider to the Acquirer/ISO Community

We are positioned to service the needs of the entire Acquirer sales force and merchant base.

Our infrastructure and approach is specifically designed to allow your entire sales team and merchant base to access our service rather that just a few successful agents who approach new merchants only.

This approach strengthens your relationships with your sales force and your new and existing merchants.

Turn Key

We pay reasonable programming costs to implement split funding.

Platforms – Split Funding or ACH

We offer multiple solutions based on Partner/Merchant needs.

Marketing Support

Partner customized full marketing support to maximize new acquisitions and base penetration.

Institutional Financing

CBC and Wells Fargo.

Training – Choose between on-site or tele-based training sessions to train sales representatives on the skills necessary to successfully generate qualified sales. Standard Brochures – AFS provides branded marketing brochures and e-mail PDFs for your use. Customized Brochures – AFS provides customized PDF and Abode format templates for partners that wish to co-brand and use their contact information, etc. Customized Marketing Assistance – AFS will work with individual acquirers/ISOs to develop a customized marketing plan to identify and attract cash advance merchant targets. Reporting – Online reporting provides immediate detailed insight to your order flow on a daily basis. Sales Support – Call 1-800-760-5516 to answer any questions regarding a new or pending order. TOOLS American Finance Solutions provides the support you need to manage a successful cash advance program.

Training – Choose between on-site or tele-based training sessions to train sales representatives on the skills necessary to successfully generate qualified sales.

Standard Brochures – AFS provides branded marketing brochures and e-mail PDFs for your use.

Customized Brochures – AFS provides customized PDF and Abode format templates for partners that wish to co-brand and use their contact information, etc.

Customized Marketing Assistance – AFS will work with individual acquirers/ISOs to develop a customized marketing plan to identify and attract cash advance merchant targets.

Reporting – Online reporting provides immediate detailed insight to your order flow on a daily basis.

Sales Support – Call 1-800-760-5516 to answer any questions regarding a new or pending order.

CONTACT INFORMATION For additional information please contact: Scott Griest, CEO [email_address] Direct phone: (714) 765-8141, ext 102