The document compares two types of loans offered by IVP Lending Corp: loans with collateral that require background checks, co-makers, and guarantors with more documentation and a longer approval process; and loans without collateral that have automatic qualification and minimal documentation. It then describes the qualifications, benefits, and rewards program for becoming an IVP Lending representative, including accidental death insurance, an i-Care fund, ID, a webpage and back office access. The rewards program offers direct and indirect rebates bonuses on loan volumes in a representative's organization levels, as well as loan rebates percentages based on loan amounts on each level.