PLATINUM ONE LLC. SALES AND TRAINING

1. PLATINUM ONE LLC. SALES AND TRAINING Presented by Platinum One LLC

2. PLATINUM ONE LLCNEA90 SALES AND TRAINING TABLE OF CONTENTS • INTRODUCTION • WHO WE ARE, WHO WE WORK WITH • WHY WE’RE IN BUSINESS • ADDING VALUE • WHAT ARE WE SELLING/ HOW IT WORKS? • EPS90 • WHAT SEPARATES US FROM COMPETITION • PROSPECTING • WHAT BUSINESSES CAN USE OUR PROGRAM • FLYERS • INSTALLATION AND VERIFICATION • CONTRACT PAPERWORK • WHAT NEEDS TO BE FILLED OUT

3. INTRODUCTIONWHO WE ARE AND WHO WE WORK WITH • PLATINUM ONE LLC REPRESENTS NEA90 • NEA90 HAS PAIRED UP WITH THE NATIONAL EMPLOYERS ASSOCIATION • NEA HAS BEEN IN BUSINESS FOR OVER 50 YEARS! • PROVIDES BUSINESS SOLUTIONS TO EMPLOYERS AND CONSUMERS • REPRESENTS EPS 90 (ELECTRONIC PAYMENT SYSTEMS) • EPS HAS AN “A RATING” IN THE BETTER BUSINESS BUREAU • EPS IS A 22 YEAR OLD DEBT FREE COMPANY • PROCESSES OVER $3 BILLION A YEAR IN FINANCIAL SERVICES • HAS OVER 100,000 MERCHANT ACCOUNTS

4. INTRODUCTIONWHO WE ARE AND WHO WE WORK WITH • WE PROVIDE MERCHANT SERVICES • OUR MERCHANT SERVICES ARE DESIGNED TO ADD BUSINESS AND PROFIT BUILDING SALES TO BUSINESSES’ BOTTOM LINE • WE PROVIDE IN HOUSE PAYMENT PROGRAMS THAT MERCHANTS CAN EXTEND TO CLIENTS THAT HAVE POOR CREDIT, NO AVAILABLE CREDIT, OR THOSE WHO CANNOT PAY IN FULL AT THE TIME OF SERVICE • THIS PROGRAM BENEFITS THE ECONOMY, YOUR COMMUNITY, BUSINESSES, AND CONSUMERS

5. INTRODUCTIONWHY WE’RE IN BUSINESS • THE CURRENT STATE OF OUR ECOMONY HAS FORCED BUSINESS OWNERS TO LOSE BUSINESS • FINANCIAL PROBLEMS TODAY • WHEN OUR ECONOMY CRASHED, SO DID THE FINANCIAL SECTOR • WHEN THE FINANCIAL SECTOR COLLAPSED, SO DID THE RETAIL SEGMENT OF THE MARKET • BANKS STOPPED GIVING OUT PERSONAL LOANS • CONSUMER CREDIT IS NOT AVAILABLE OR HAS BEEN REDUCED • VIRTUALLY OVER NIGHT, BUSINESS OWNERS AND ENTIRE INDUSTRIES BECAME UNABLE TO FINANCE THEIR CUSTOMERS • CONSUMERS ARE UNABLE TO GET THE TREATMENT, PRODUCTS, OR SERVICES THEY COULD FINANCE IN THE PAST

6. INTRODUCTIONWHY WE’RE IN BUSINESS • BUSINESS OWNERS TURN AWAY BUSINESS OR LOSE CUSTOMERS BECAUSE THEIR CUSTOMERS CANNOT PAY FOR THEIR PRODUCTS AND SERVICES UPFRONT • OUR PROGRAM IS DESIGNED TO CAPTURE ALL THAT LOST BUSINESS AS WELL AS ADD BUSINESS BY ALLOWING THE CUSTOMER TO PAY FOR THE PRODUCTS OR SERVICES OVER A 90 DAY PERIOD • OUR IN-HOUSE PAYMENT PROGRAM IS ESSENTIALLY A REVERSE LAYAWAY PROGRAM • 90 DAY NO CREDIT CHECK IN-HOUSE PAYMENT PROGRAM UP TO $5,000 • GIVES BUSINESSES THE ABILITY TO EXTEND A ‘BRIDGE LOAN’ TO CUSTOMERS • CUSTOMER RECIEVES TREATMENT, PRODUCT, OR SERVICE THEY NEED TODAY • MERCHANT IS GUARANTEED CUSTOMER’S PAYMENT PROGRAM

7. INTRODUCTIONWHY WE’RE IN BUSINESS • BUSINESSES CAN MAKE MONEY TWO WAYS: • CUT COSTS OR INCRESE VOLUME • WE PROVIDE THE MEANS TO INCREASE VOLUME • BUSINESSES WHO CONSISTANTLY USE AND MARKET OUR PROGRAM WILL SEE AN INCREASE OF CUSTOMER TRAFFIC BETWEEN 20-50% • SIMPLY OFFERING A NO CREDIT CHECK PAYMENT PROGRAM WILL INCREASE CONSUMER TRAFFIC INTO PRACTICE, SHOP, LOT, STATION, OR STOREFRONT • IF THIS PROGRAM IS NOT ADVERTISED OR MARKETED, CONSUMERS WILL NOT KNOW THIS IS AVAILABLE • TO EFFECTIVELY USE THIS SYSTEM, BUSINESSES WILL RELY ON SIGNAGE, ADVERTISING, AND WORD OF MOUTH • OUR PROGRAM IS DESIGNED FOR TODAY’S ECONOMY! • MERCHANTS WILL NEVER HAVE TO TURN AWAY ANOTHER CUSTOMER BECAUSE OF THE CUSTOMER’S INABILITY TO PAY AT THE TIME THE PRODUCT OR SERVICE IS OFFERED OR RENDERED

8. ADDING VALUEHOW WE ADD VALUE IN TODAY’S ECONOMY • WE ADD VALUE BY PROVIDING CUSTOMERS ANOTHER WAY TO PAY FOR TREATMENT, PRODUCTS, AND SERVICES WHEN PAYING UPFRONT MAY NOT BE AN OPTION • WE INCREASE CUSTOMER TRAFFIC AND ADD PROFIT BUILDING SALES TO BUSINESSES • CUSTOMERS ARE NOW ABLE TO RECEIVE TREATMENT, PRODUCTS, AND SERVICES THEY NORMALLY COULDN’T AFFORD • BUSINESS OWNERS WILL INCREASE THEIR VOLUME AND ARE GUARANTEED PAYMENTS • WE TAKE ON THE RISK! • NOW BUSINESSES NEVER HAVE TO TURN AWAY ANOTHER CUSTOMER BECAUSE THEY CAN’T PAY AT THE TIME TREATMENT IS RECEIVED OR WHEN PRODUCTS AND SERVICES ARE OFFERED

9. WHAT ARE WE SELLING?ELECTRONIC PAYMENT SYSTEMS • ELECTRONIC PAYMENT SYSTEMS • ONLY SYSTEM AVAILABLE WITH BOTH POINT OF SALE (VISA/MC) TERMINAL AND 90 DAY NO CREDIT CHECK PAYMENT PROGRAM IN ONE SYSTEM! • PRIMARY FUNCTION OF THIS TERMINAL IS TO SCAN AND PROCESS CHECKS • CONVERTS PAPER CHECKS INTO GUARANTEED ELECTRONIC DEBITS FROM CUSTOMER’S CHECKING ACCOUNT • GUARANTEES THAT THE MERCHANT WILL RECEIVE PAYMENTS ACCORDING TO CUSTOMER’S PAYMENT SCHEDULE • ALLOWS MERCHANT TO ACCEPT PAYMENTS FROM THEIR CUSTOMERS VIA ACH OVER A 90 DAY PERIOD • FLEXIBLE PAYMENT PLAN FOR CUSTOMERS

10. WHAT ARE WE SELLING?ELECTRONIC PAYMENT SYSTEMS

11. WHAT ARE WE SELLING?HOW IT WORKS • CUSTOMER NEEDS TREATMENT, PRODUCT OR SERVICE: • LET’S USE A NEW TRANSMISSION AS AN EXAMPLE • VEHICLE IS BROUGHT TO TRANMISSION SHOP MERCHANT TELLS THE CUSTOMER A NEW TRANSMISSION IS $2,000 FOR PARTS AND LABOR • CUSTOMER ONLY HAS $1,000 TODAY • HAS LESS THAN PERFECT CREDIT • DOES NOT HAVE ENOUGH AVAILABLE CREDIT ON CREDIT CARD(S) FOR THE DIFFERENCE • BANK WILL NOT GIVE OUT PERSONAL LOAN • CUSTOMER NEEDS CAR TO GET TO WORK • MERCHANT NEEDS BUSINESS TO STAY IN BUSINESS • WE SOLVE THIS PROBLEM

12. WHAT ARE WE SELLING?HOW IT WORKS • HOW IT WORKS: • THE INTEREST IS 12% UPFRONT, ONE TIME • OUT OF THE 12%, WE RETURN 3.5% BACK TO THE MERCHANT (END OF MONTH) • THERE IS A $25 APPLICATION FOR THE CUSTOMER EXAMPLE • LOAN ON $1,000 • 12% (INTEREST) ON $1,000= $120 • $1,120 + $25(APP FEE)=$1,145 • TOTAL LOAN = $1,145 • MERCHANT IS ENCOURAGED TO GET AS MUCH UPFRONT AS CUSTOMER CAN AFFORD THAT DAY • MINIMUM DOWN IS 15% OF TOTAL LOAN ($171.75) • THIS IS CUSTOMIZABLE, SO THE MERCHANT CAN REQUIRE WHATEVER UPFRONT • PERCENTAGE OF THE LOAN AT THE TIME THE LOAN IS OFFERED • EXAMPLE: PARTS FOR NEW TRANMISSION IS 50% OF TOTAL COST OF SERVICE. MERCHANT CAN REQUIRE THE COST OF PARTS TO BE COVERED UPFRONT

13. WHAT ARE WE SELLING?HOW IT WORKS • HOW IT WORKS: EXAMPLE: • CUSTOMER PRESENTS A PERSONAL CHECK FOR THE MONEY HE CAN PAY TODAY IN THE AMOUNT OF $1,000 WHILE MERCHANT VERIFIES PROOF OF INCOME • CHECK 1002 NOV 1 $229 • MERCHANT SCANS THE CHECK THROUGH OUR TERMINAL • WITHIN 10 SECONDS, THE CUSTOMER WILL BE APPROVED OR DENIED THE LOAN • REQUIREMENTS FOR THIS LOAN ARE: • CHECKING ACCOUNT ACTIVE FOR AT LEAST 60 DAYS • CHECK WRITING HISTORY IS EXAMINED • AVERAGE DAILY BALANCE IS EXAMINED IN RELATIONSHIP TO TOTAL LOAN AMOUNT CONTINUED

14. WHAT ARE WE SELLING?HOW IT WORKS • ONCE OR IF APPROVED, THE MERCHANT WORKS OUT A FLEXIBLE PAYMENT SCHEDULE FOR THE CUSTOMER TO PAY THE LOAN AMOUNT OVER THE NEXT 90 DAYS • MERCHANT ASKS CUSTOMER HOW WILL THEY WILL PAY FOR THE LOAN • CUSTOMER INDICATES THEY ARE PAID ON THE 1ST AND 15TH OF THE MONTH • MERCHANT DIVIDES TOTAL LOAN AMOUNT SO CUSTOMER CAN PAY FOR THE SERVICES OVER A 90 DAY PERIOD • SOME CUSTOMERS WILL USE ENTIRE 90 DAY LIMIT, WHILE OTHERS WILL PAY OFF LOAN FASTER

15. WHAT ARE WE SELLING?HOW IT WORKS • EXAMPLE: • TOTAL LOAN: $1,145 • 5 PAY CHECKS 5 • PAYMENT EVERY PAY CYCLE $229 • CUSTOMER WRITES 5 POST DATED CHECKS FOR THE AMOUNT OF $229 TO THE MERCHANT • CHECK 1002 NOV 15 $229 • CHECK 1003 DEC 1 $229 • CHECK 1004 DEC 15 $229 • CHECK 1005 JAN 1 $229 • CHECK 1006 JAN 15 $229 • CHECKS ARE SCANNED THROUGH THE TERMINAL AND RETURNED TO CUSTOMER

16. WHAT ARE WE SELLING?HOW IT WORKS • 4 X 7 INCH PRINT OUT OF PAYMENT SCHEDULE IS PRINTED OFF • CUSTOMER AND MERCHANT SIGN OFF ON THE AGREEMENT • MERCHANT KEEPS COPY OF CUSTOMERS’ DRIVER’S LICENSE, PROOF OF EMPLOYMENT, AND CONTRACT ON FILE • MERRICK BANK WWW.MERRICKBANK.COM DEPOSITS CHECK AMOUNTS AT MIDNIGHT THE FOLLOWING DAY OF THE PAYMENT SCHEDULE INTO MERCHANT’S CORPORATE ACCOUNT • MERCHANT NEVER HAS TO CASH CHECKS

17. WHAT ARE WE SELLING?REVIEW • MERCHANT’S REQUIREMENTS: • VERIFY CUSTOMER’S PROOF OF INCOME • CALL EMPLOYER TO VERIFY EMPLOYMENT OR • MAKE A COPY OF CUSTOMER’S PAY STUB • MAKE A COPY OF CUSTOMER’S IDENTIFICATION • DRIVER’S LICENSE, MILITARY, OR STATE ID • KEEP COPIES OF CONTRACT, PROOF OF INCOME, AND IDENTIFICATION • CUSTOMER’S REQUIREMENTS: • VALID CHECKING ACCOUNT OPEN FOR AT LEAST 60 DAYS • GOOD CHECK WRITING HISTORY • DOWNPAYMENT FUNDS AVAILABLE IN CHECKING ACCOUNT AT TIME REPAYMENT APPLICATION

18. WHAT ARE WE SELLING?WHAT SEPARATES US FROM THE COMPETITION • AS A PLATINUM ONE AGENT YOU CAN EXPECT: • INSTANT CREDIBILITY FROM REPUTABLE COMPANY • WEBSITE TO DIRECT CUSTOMERS TO • WWW.PLATINUMONELLC.COM COMING SOON! • WEEKLY WEBINAR TRAINING PRESENTED BY PLATINUM ONE LLC TO REFRESH AND FINE TUNE SALES SKILLS • CONSTANT SUPPORT FROM YOUR UPLINE MANAGEMENT • MARKETING AND ADVERTISING SUPPORT AT NO COST TO YOU • WEEKLY COMMISSIONS AND OPPORTUNITY FOR HIGHER CONTRACTS BASED ON SALES VOLUME • MANAGEMENT OPPORTUNITY

19. WHAT ARE WE SELLING?WHAT SEPARATES US FROM THE COMPETITION • AS A PLATINUM ONE AGENT: • WHEN NEW SYSTEMS BECOME AVAILABLE THAT FIT INTO OUR PRODUCT LINE YOU WILL BE AUTHORIZED TO MARKET THESE PROGRAMS • NOT REQUIRED TO CAPTURE POS BUSINESS (ALL OTHER EPS DISTRIBUTORS ARE REQUIRED TO DO THIS, MUCH MORE DIFFICULT SALE) • HIGHEST COMMISSIONS AND ROOM FOR ADVANCEMENT IN THE INDUSTRY

20. PROSPECTINGWHAT BUSINESSES WILL BENEFIT FROM OUR PROGRAM • BUSINESSES WITH INVOICES ABOVE $300 • TARGET MARKETS INCLUDE: • DENTAL PRACTICES • ATTORNEYS • AUTOMOTIVE REPAIRS • AUTOMOTIVE SALES • VETERINARIANS • FUNERAL SERVICES • CONTRACTORS • FURNITURE SALES

21. MANY RESOURCES TO FIND OUT COMPANY INFORMATION • FIND BUSINESSES NEAR YOU! • WWW.SEEKANDFIND.COM AND WWW.4LPI.COM (PARISH BULLETIN ADVERTISING) • IF YOU HAVE A LIBRARY CARD WWW.REFERENCEUSA.COM • NARROW YOUR SEARCH TO THE INDUSTRIES LISTED ABOVE IN YOUR IMMEDIATE AREA • IDENTIFY DECISION MAKER

22. PROSPECTINGNEA90 SAMPLE FLYER

23. PROSPECTINGPLATINUM ONE SAMPLE DENTAL MEDICAL FLYER

24. ELIGIBILITYWHAT IF A CUSTOMER DOESN’T QUALIFY? • IF A CUSTOMER DOES NOT QUALIFY BASED ON THEIR CREDIT RATING AND HISTORY, THERE ARE OTHER PAYMENT OPTIONS: • FIRST OPTION • IF CUSTOMER IS DECLINED BECAUSE THE GUARANTOR DOES NOT QUALIFY, THAT CUSTOMER CAN USE THEIR CORPORATION AS THE GUARANTOR • MUST SUBMIT LAST TWO YEARS OF CORPORATE PROFIT LOSS STATEMENTS AND LAST YEAR’S CORPORATE TAX RETURN WITH APPLICATION • COMMISSIONS PAID OUT ON CORPORATION’S RATING

25. ELIGIBILITYWHAT IF A CUSTOMER DOESN’T QUALIFY? SECOND OPTION • IF A CUSTOMER IS DECLINED BECAUSE THE GUARANTOR DOES NOT QUALIFY, THAT CUSTOMER CAN DO A ONE TIME UPFRONT PAYMENT FOR THE 48 MONTH LEASE FOR $2900.00 • CUSTOMER IS STILL RESPONSIBLE FOR $10.00 MONTHLY STATEMENT FEES • COMMISSIONS PAID OUT AT A “C” RATING FOR THIS PAYMENT OPTION

26. INSTALLATIONVERIFICATION • THE UNIT SHIPS WITHIN 72 HOURS UPON RECEIPT OF APPLICATION • CUSTOMER OR CORPORATION WILL BE EVALUATED BASED ON CREDIT RATING AND THEN WILL BE GIVEN A RATING (P, A, B, C, D) • THIS RATING WILL DETERMINE YOUR COMMISSION LEVELS • 90% OF THE COMPANIES WE WORK WILL BE RATED P, A, OR B (BEST CREDIT) • FEDEX WILL DELIVER UNIT TO CORPORATE ADDRESS • WITHIN TEN MINUTES OF FEDEX DELIVERY PERSON SCANNING THE BAR CODE ON PACKAGE, OUR INSTALLATION TEAM WILL CONTACT THE OWNER AND GUARANTOR AND BEGIN INSTALLATION PROCESS (20-30 MINUTES) • AFTER INSTALLATION IS COMPLETE, A THREE WAY CALL WITH THE LEASING COMPANY (LADCO) WILL VERIFY THE LEASE AGREEMENT WITH THE GUARANTOR

27. INSTALLATIONLADCO LEASING QUESTIONAIRRE • 1. Can you state you full name? • 2. Can you verify the last four digits of your social security#? • 3. What is the name of you business? • 4. How many years have you been in business? • 5. What type of business structure are you? Sole Proprietor? Corp.? LLC? • 6. What is your title with the business? • 7. What is your percent of ownership? • 8. Have you received your system and has it been installed? • 9. I show your lease terms are for 48 months at $99.90 a month is this correct? • 10. I want to make sure that you are aware that you signed a personal guarantee on a non cancellable lease?