Cash Advance Program

Advance Me, Inc (AMI)
Alternative Funding referral Program
First Data Learning Organization
Copyright 2009, First Data Corporation. All Rights Reserved.
Developer: 26
Rev: 07/21/2009 V:1.0
This Session Agenda
A Quick Overview Of AMI

Look At The Marketplace
Insight As To The Typical Target AMI Customer
AMI Program Features & Benefits
The Best Referral Approach
The Prospects Key Questions & Concerns
How To Successfully Refer a deal to AMI
How To Calculate AMIs Numbers
Copyright 2009 First Data Corporation. All Rights Reserved.
AdvanceMe, Inc (AMI) Overview

AdvanceMe, Inc (AMI) provides a fast and easy way for merchants
to get working capital by tapping into their future credit card sales
volume.
AMI and a merchant enter into an AMI Merchant Agreement under which AMI
purchases a Specified Amount of a merchants future credit card sales at a
discount.
The discounted amount is the
Purchase Price and is the dollar
amount of funding that AMI will provide
to the merchant.
AMI wires the Purchase Price directly
into the merchants direct deposit
account.
AMI Referral Program Overview

How does it work?
Merchant contracts with a First Data Sales Channel to have their credit card transactions
processed for each of their contracted locations.
FD Sales Channel makes referral by submitting AMI Contract Package to AMI.
If AMI approves merchant, AMI and merchant enter into an AMI Merchant Agreement
Under AMI Merchant Agreement, AMI purchases a Specified Amount of the merchants
future credit card receivables at a discount and provides the merchant a lump sum cash
payment.
In AMIs Merchant Agreement, the Merchant authorizes AMI to direct FD to remit an
agreed upon percentage (Specified Percentage) of the merchants daily net
Visa/MasterCard credit card sales settlement directly to AMI until the Specified Amount
of receivables is remitted to AMI.
FD automatically stops remitting the Specified Percentage when the full amount
purchased is remitted to AMI on average within 7-10 months.
AMI Program Example

(For illustration only. Actual offer may vary) In this example :
The Merchant contracts with FDIS or a FDIS sales channel to have its credit card transactions processed
for each of its contracted locations.
AMI and Merchant enter into AMI Merchant Agreement, under which AMI pays $20,000 (the purchase
price of the future credit card sales) to the Merchant as a lump sum cash payment in exchange for AMIs
right to receive (RTR) $27,000 over an estimated 7 month period.
In the AMI Merchant Agreement, Merchant authorizes AMI to direct FDIS to send an agreed upon
percentage (in this case, 20%) of their Visa/MasterCard settlement amount directly to AMI and the
remaining 80% to the Merchant every day until the specified amount of receivables purchased by AMI
has been remitted to AMI.
AMI, Inc.
Merchant authorizes AMI to direct FDIS

to remit to AMI credit card sales
purchased by AMI - $27,000 which
typically takes 7 to 10 months (20% of
daily credit card net settlement amount).
AMI and Merchant enter into an

AMI Merchant Agreement. AMI
sends $20,000 purchase price
merchant.
Merchant Location
FDIS or FDIS channel and

Merchant enter into MAA and
FDIS provides transaction
processing services to Merchant.
FDMS
FDIS splits Remittance of
daily Credit Card Net
Settlement Amount.
AMI is NOT a Bank

AMI's Program is a Buyer/Seller transaction or True Sale.
AMI is not a lender.
AMIs products should not be spoken of in terms of loan products.
Do NOT use any of the following to describe the AMI Referral Program:
Loan or Lending
Payment or repayment
Interest Rate
APR
Principal
Any lending institution language
Term
Payback
AMIs Program does not have an interest rate.
AMI's Program IS A PURCHASE of a merchants assets (Future Credit Card
Receivables).
The Typical Customer

A fixed, brick and mortar, business location.
At least 100 V/MC tickets per month:
Retail (SIC) 100 tickets per month
Restaurant (SIC) 150 tickets per month
Tickets averaging less than $250 per transaction.
Averaging at least $5,000 a month in V/MC volume.
At least 80% of the credit card business generated in card present transactions.
Monthly V/MC volumes remaining steady or increasing.

Merchants that have been in business, at the same location with the same
owners, for 12 months or more.
Targeted & Preferred Businesses

Eating and Drinking Places
Restaurants
Bars
Nightclubs
Coffee Shops
Donut and Bagel Stores
Bakeries
Retail Businesses
Gift, Card & Novelty Stores
Clothing Stores
Auto Parts & Accessories
Hardware Stores
Liquor Stores
Florists
Pet & Pet Supply Stores
Other Categories
Medical Practices
Veterinary services
Most Franchised Concepts
Theaters
Businesses can use the money for:

Growing the Business:
Building inventory
Purchasing new equipment
Marketing and advertising
Remodeling/expanding the business location
Opening a new location
Sustaining the Business:
Repairing existing equipment
Catching up on bills
Buying out a partner
An AMI funding can be used for any legitimate business purpose!
Additional Retail Opportunities

Landscaping Companies
Tire Stores
Nurseries
Book Stores
Bike Shops
Hotels & Motels
Sporting Goods Stores
Hobby Shops
Gyms/Fitness Centers
Toy Stores
Car Washes
Pool & Spa

Companies
Tanning Salons
Note:
These business types may qualify for an AMI Funding - however, the approval to
fund rate is lower than that of the Preferred and Target business types.
10
Restricted Business Types

Adult-related
Auctions/Auction houses
Entertainers & entertainment

groups
Transmission shops
Taxis, limousines, shuttles,

other transportation
Auto, ATV, RV and motorcycle

dealerships
Cellular phone stores
Grocery stores & Convenience stores

Collection agencies
More than 80% card not present
Construction companies
Flea markets
Golf Courses
Furniture Stores
Travel agencies
Gas stations
Ice Cream Shops
Day Care Centers
Home Renovation Companies
Home-Based Businesses
Jewelry Stores
Insurance Companies
Theme & Amusement Parks
Management Companies
Caterers
Note Restricted Business Types are not eligible

for an AMI Funding.
11
Merchant who do NOT meet Criteria

Merchant will be declined on submission for the following reasons
(no matter which Business Tier).
Open bankruptcy:
bankruptcies discharged in the past 12 months.
Outstanding tax liens or judgments greater than $250,000.
Not current with landlord 60 days or more behind on rent.
Previous negative history with AMI.
Any merchant that averages less than 10 V/MC tickets processed per month
over any 3 month span.
Refer to AMI Underwriting Guidelines for
further clarification
12
Features/Benefits Merchant Perspective

No personal collateral required.
Funding as quick as 5 to 10 business days.
Eliminate bank hassles:
Easier approval process.
No application fees or closing costs of any kind
Simple paperwork. Two AMI forms.

Limited financial review.
No big monthly check to remember to write.

Merchants like the automated remittance to AMI from their credit card processing.
Many of AMIs customers call it painless funding.
Unless a merchant agrees, the Specified Percentage will not change. As a result:
Remittance of the Specified Amount flows with merchants cash flow.
AMI only gets paid when the merchant gets paid.
Merchant can use the funding for any business purpose.

13
Features/Benefits Agent Perspective

3% Upfront commission of purchase price
2% Residual commission of monthly specified amount:

Example: Purchase Price: $17,000 What the
merchant qualifies to receive.
Specified Amount: $23,800 What AMI expect back over a 7 month
agreement.
$17,000 x 3% = $510 Upfront Commission
$23,800/7 Months = $3400 x 2% = $68/month or $476 at the end of 7 month
agreement
$510 + $476 = $986 total commission from just one AMI referral.
Imagine if you could get 2 merchants each month what it would look like at the end
of the year.
$986 x 2 each month = $1972 x 12 months = $23,664 for the year.
14
AMI Funding Amount

With each deal AMI has to determine:
The average monthly Visa/MasterCard sales volume.
The Specified Amount of future credit card sales that AMI will purchase.
The Purchase Price (or funding amount)
The Specified Percentage used to collect the Specified Amount

AMI will also need to know the merchants estimated gross revenue (all payment
types).
AMI provides FD with a tool to help determine the specified amount, AMIs
purchase price, and AMIs specified percentage (AMI Funding Calculator).
AMI requires that most clients provide four (4) consecutive and current credit card
processing statements.
15
AMI Funding Amount, contd

Use only the Visa and MasterCard sales volumes DO NOT ADD ANY OTHER CREDIT
CARDS or DEBIT CARD:
Add the four months of Visa and MasterCard volumes together and divide by
four to determine an average monthly Visa and MasterCard volume.
AMI may require 12 months of statements for seasonal merchants when there
is more than a 30% variance from season-to-season or month-to-month.
The merchants time in business and average monthly Visa and MasterCard sales
volume are the first two factors AMI uses to determine the AMI funding program
for which the merchant can qualify:
There are three AMI programs for merchants who have owned and operated
their business location more than 12 months.
One AMI funding program is available for merchants who have owned and
operated their business location less than twelve months.
16
AMI Funding Amount, contd

The AMI funding amount a merchant may qualify for will vary and has limits.
AMI reviews personal credit, trade references and performs landlord
verification prior to making application decision.
AMI takes into consideration a merchants overall gross revenue when calculating
Specified Percentage. Daily remittance cannot be over 8.99% of the merchants
total gross revenue.
17
AMI - Cash Advance

Pre-Qualification Submission Process
The Process and What to Expect

AMI will receive your 1) Coversheet 2) Pre-Qualification and 4 months
statements:
Underwriting reviews and determines qualification. (24hrs) turn around
response (30 day window).
AMI will provide to you the results which you propose to the merchant.
A will obtain 1) Coversheet 2) Merchant agreement.
AMI will ensure everything is completely filled out.
A Welcome Call and Landlord verification will be performed by a Contract
Administrator.
Processor Conversion to an approved processing partner.
Confirm 2 days of Processing Activity.
Funding will be wired directly to their account.
19
How to Get Paid

The Initial Pre-Qual for businesses open and processing at least 1 year, at the
same location, under the same ownership:
Pre-Qualification form completely filled out
with all required information and signatures.
Coversheet form completely fully.
Note:
Your Email Address is IMPORTANT
Please print clearly!
Four months most recent and consecutive

processor statements.
20
Thoroughly Complete Forms

Be complete and thorough when filling-out forms:
We MUST receive complete paperwork with all forms filled in.
Receiving complete paperwork with the correct information will result in a
faster funding process.
You may submit your Pre-Qual to underwriting by:

E-Mail: boarding@advanceme.com
OR
FAX: 678.564.3053
Attn: Jessica Bailey
21
Cover Page and Pre-Qual Forms

This is the
PreQualification
Form. You
will need to
send this, as
well as the
Four (4)
months of
processing
statements.
22
Example of Email
This is an example of the

results you will receive via
email.
Merchant
Name of the business
MID
The merchants processing ID Number
Business
The type of business
Start Date
The date the business opened
SC3 Score
Score as determined by underwriting

(lower the number the better 20 or less is good, single digits are great)
Trade Lines
# of trade lines on the credit report
Neg Trades
# of trade lines not in good standing
% available
% of available credit
Gross Sales
Total gross sales volume
Avg CC
Monthly CC Avg
Avg # Trans
Avg number of monthly CC transactions
* YOU MUST SAVE THIS EMAIL

to Submit as your cover page
with the Merchant Agreement.
Avg $ Trans
Avg ticket price (less than $250)
Offers:
Specified Amount
Fund $
RTR
Rate
RTR %
Turn
$50,000
$72,500
1.450
24.00%
11.0
$47,000
$65,800
1.400
24.00%
10.0
$38,000
$52,440
1.390
24.00%
9.0
* The three bold fields go on the merchant application.
Max Turn
11
Max Ret % 24
Submission Requirements Special notes/requirements needed to be satisfied for final approval.
Note: These offers are contingent on actual submission details that match the information used to prepare this PreQual. If any information changes, the Pre-Qual is no longer valid.
23
Completing the Submission

We will need to receive the following items:
1. Print out Pre-Qual results via email as Cover Page
2. Completed Merchant Agreement with the Owner signing as both the Owner
and the Merchant.
3. Photocopy of owners drivers license.
4. A photocopy of the merchants voided business check.

If requested in comment section on email from AMI:
Business Tax Returns - if the retrieval rate is higher than 29%.
Other Items as needed. (ex: non-compete letter, pay-off letter, site visit,
or additional financial documentation.)
Please e-mail the complete submission to: boarding@advanceme.com
24
AMI Merchant Agreement

There are 4 pages to AMIs Merchant
Agreement form:
Requires Merchant Signature both
as owner and guarantor.
Initials on page 2 4.
Requires Witness Signature:
Can be FDMS Account Executive
If no witness then obtain a copy
of the merchants drivers license
Specified amount (receivables
purchased).
Purchase price (funding amount).
25
Successful Submissions
Factors that can delay an underwriting decision
1.
Welcome Call Merchant is not available for the call or does not cooperate
during the call.
2.
AMI cannot find proof of ownership please send business license.
3.
Merchant does not supply additional information that may be required such
as:
4.
a)
Signed Lease Agreement
b)
Business License
c)
Proof of Ownership
Landlord does not respond or is uncooperative.
26
Successful Submissions, contd

Here are some of the questions we ask the merchant during the
welcome call. The merchant is told the call is being recorded.
1.
The business owners or business representative's name, position, business info, tax ID# and/or SS# are
verified.
2.
The terms of the Merchant Agreement are reviewed and confirmed: Purchase Price, Specified Amount
and the Specified Percentage.
3.
We verify that the merchant agrees to the above and authorizes the processor to deduct the Specified
Percentage from its card transactions.
4.
We ask the merchant to confirm its card volume and total gross annual sales.
5.
We verify that the merchant will not change processors as long as any receivables are owed to
AdvanceMe.
6.
We ask what the merchant will use the funding for.
7.
We confirm the merchants business start date.
8.
We thank the business owner or representative for their time and advise them that they will hear back
from us shortly.
27

Reasons why some deals are not funded?
1. Buyers Remorse merchant decides not to take the money.
2. Failed re-negotiation with the merchant when it is necessary to adjust the
funding amount.
3. Problems with landlord:
A. Bad reference from landlord
B. Behind on rent more than two months
C. Term of lease ending during the estimated retrieval period and a new
lease is not provided.
4. Excessive Judgments or Liens more than $250,000.
5. Bankruptcy open or not discharged for at least 12 months.
28

More reasons why a contract may be in a declined status:
Poor Trade References.
Unacceptable business category.
Merchant has seriously bad credit, on the brink of bankruptcy.
Owners personal credit is tapped out.
Business sales have been trending downward.
A combination of negative issues.
29
Successful Submission Summary
It Starts with Good Paperwork
Ensure The Funding Numbers Are Right

Pay Attention to Deal Killers
Get The Paperwork In Quick
30
Frequently Asked Questions

How does it work?
AMI purchases your future credit card sales for a discounted purchase price.
To tell you more I will need verify that you qualify for the AMI program. I will
need your most recent 4 months of processing statements and I can tell you
more.
How much can I get?
From $2,500 on up, but I will need to see your most recent 4 months of
processing statements to verify that you qualify for AMI's Program.
Why do you need my statements?
AMIs funding is based on future credit card sales volume. We verify from
your statements that your volume qualifies.
Im Not Familiar with AMI. Why should I deal with them?
AMI, Inc. has an excellent rating at the Better Business Bureau. Check them
out at www.bbb.org. They are a member in good standing. The Better
Business Bureau has given AMI, Inc. their highest rating.
31
AMI Information Contacts

Business Development Sales:
Kris Bosley
(901) 351-8332 (615) 790-6140
Tom Fox
(602) 790-9781 (480) 948-1414
Jim Hignight
(423) 933-8723 (423) 933-8723
Alan Kelly
(972) 632-7957 (972) 632-7957
Kristina Shields (858) 663-4304 (480) 987-8977
32
Questions?
Advance Me, Inc (AMI)

Thank You!

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Cash Advance Program

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Advance Me, Inc (AMI)

Alternative Funding referral Program

First Data Learning Organization

Copyright 2009, First Data Corporation. All Rights Reserved.

Rev: 07/21/2009 V:1.0

This Session Agenda

A Quick Overview Of AMI

Copyright 2009 First Data Corporation. All Rights Reserved.

AdvanceMe, Inc (AMI) Overview

Copyright 2009 First Data Corporation. All Rights Reserved.

AMI Referral Program Overview

Copyright 2009 First Data Corporation. All Rights Reserved.

AMI Program Example

Merchant authorizes AMI to direct FDIS

AMI and Merchant enter into an

FDIS or FDIS channel and

Copyright 2009 First Data Corporation. All Rights Reserved.

AMI is NOT a Bank

The Typical Customer

Monthly V/MC volumes remaining steady or increasing.

Copyright 2009 First Data Corporation. All Rights Reserved.

Targeted & Preferred Businesses

Copyright 2009 First Data Corporation. All Rights Reserved.

Businesses can use the money for:

Copyright 2009 First Data Corporation. All Rights Reserved.

Additional Retail Opportunities

Hotels & Motels

Sporting Goods Stores

Pool & Spa

Copyright 2009 First Data Corporation. All Rights Reserved.

Restricted Business Types

Entertainers & entertainment

Taxis, limousines, shuttles,

Auto, ATV, RV and motorcycle

Cellular phone stores

Grocery stores & Convenience stores

Ice Cream Shops

Day Care Centers

Home Renovation Companies

Theme & Amusement Parks

Note Restricted Business Types are not eligible

Copyright 2009 First Data Corporation. All Rights Reserved.

Merchant who do NOT meet Criteria

Copyright 2009 First Data Corporation. All Rights Reserved.

Features/Benefits Merchant Perspective

Simple paperwork. Two AMI forms.

No big monthly check to remember to write.

AMI only gets paid when the merchant gets paid.

Merchant can use the funding for any business purpose.

Features/Benefits Agent Perspective

2% Residual commission of monthly specified amount:

Copyright 2009 First Data Corporation. All Rights Reserved.

AMI Funding Amount

The Specified Percentage used to collect the Specified Amount

Copyright 2009 First Data Corporation. All Rights Reserved.

AMI Funding Amount, contd

Copyright 2009 First Data Corporation. All Rights Reserved.

AMI Funding Amount, contd

Copyright 2009 First Data Corporation. All Rights Reserved.

AMI - Cash Advance

First Data Learning Organization

Copyright 2008, First Data Corporation. All Rights Reserved.

The Process and What to Expect

Funding will be wired directly to their account.