BEYOND SURVIVAL TO ACHIEVING YOUR FINANCIAL FREEDOM

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1 go BEYOND SURVIVAL TO ACHIEVING YOUR FINANCIAL FREEDOM

2 You need a Reliable Partner to achieve the next level of success!

3 You need a Reliable Partner to provide your team of sales professionals with professional support services Are you ready for a fast growth industry? This is it! There is not a better time or opportunity. You will represent the most recognized banks in the world by selling B2B bank payment solutions to small to medium-size businesses nationwide. United Financial Co provides you the opportunity to kick-start your career while enjoying a comprehensive training and residual stream program with United Financial Co. More and more people are opting for a more exciting and rewarding source income. The electronic payment processing and e-commerce industry is one of the biggest and most profitable industry in the world... why not get a share of it? The industry warrants ambitious individuals willing to learn the industry and use a consultative selling approach to build residual cash flow. We offer an aggressive compensation program and a monthly residual portfolio that is results-driven and based on the degree of involvement in sales, installation, and service that you choose. Sales experience with high contact and a short selling cycle in industries like B2B, copier, fax or office equipment, cellular or pager services, mortgage or loan sales, advertising & yellow page sales, insurance sales, and similar industries is helpful, but not required. We are looking for opportunistic individuals willing to intersect their word with their behavior. We offer a monthly residual stream that is results-driven and based on the degree of involvement in sales, installation, and service that you choose. We'll provide you with all of the information, and you make the degree of commitment that matches with your situation. DON'T JUST GET PAID FOR YOUR TIME... GET PAID FOR YOUR RESULTS... MONTH AFTER MONTH AFTER MONTH! Opportunity. Success. Freedom.

4 Why Choose Unified Payment Professionals We have contracts with the Big 3 cash advance companies and do in house financing. We can approve almost any Merchant Account with a 97% approval rate. We have a new business stat up capital program so processing not required. We approve accounts with credit scores as low as 580. We pay bonuses for 10 cash advance deals per month of an additional $1,000. We have customized programs for cash advance and merchant services combined. We know when they may be shopping other MCA c ompanies which we notify you to retain the deal. We automatically market other services to merchants for cross selling, thus producing more revenue for you. We service both the cash advance and merchant processing accounts with up to 67% renewal rate. Be your own boss. Manage your own portfolio. Work a schedule that suits your needs. With UPP, you get the tools you need to succeed!

5 Start A Home-Based Business of Your Own Whatever circumstances that attracted you to this opportunity, one thing is certain, there are many other people just like you. No matter what you do for a living - whether you are a teacher, a doctor, a lawyer, a secretary, housewife or construction worker - do you find yourself thinking, "there must be a better way, a less complicated way, a smoother road." The opportunity to run your own business can be the answer for you. "It is anticipated that by the year 2005, 50% of the households in the United States will be involved in home-based business" - Newsweek Magazine Home-based business is a $427 Billion a year industry. That's bigger than General Motors, Ford, and Chrysler all put together. The success rate for home-based business is over 80% and the average home based business owners pay themselves between $50,000 and $250,000 a year. Go ahead! Fire your boss, be the envy of neighbors, stay home with your KIDS! You will NOT be recruiting your friends and family or stuffing envelopes. Here's why working at home is so much fun: You'll have the freedom to do what you want to...when you want You can retire in 5 to 10 years with monthly residual income that lasts forever You'll be home all day every day with your kids You'll take exotic dream vacations two or three times a year Your dreams will become your reality Why Should You Start Now? So many people say that they want more out of life but when it comes time to take action...they do nothing. And it's sad. It's sad to see that with so much opportunity, on the internet alone, that the vast majority of people just sit back and let life pass them by. 29 out of 100 people do not even live to 65 years old - stress kills and most stress can be traced back to financial reasons 63 out of 100 people age 65 depend on social security and charity for food and shelter 4 out of 100 people age 65 can fully support their retirement 1 out of 100 people age 65 is wealthy Nobody thinks it's going to happen to them...but it ends up happening to 95% of the people. One thing is for sure. The 5% of the people who retired wealthy did something different than the other 95% that are dead or broke at age 65. It's that simple. unifiedpayment P R O F E S S I O N A L S integrity. expertise. solutions.

6 Get you share of the more than $70 billion dollars per month in credit card purchases Credit Card Processing With more than 500 million credit cards in use domestically, US credit card charges recorded for 1999 alone reached just over $1 Trillion! Each day in the USA, more than 52 million purchase transactions on credit and debit cards pass through the VISA and MasterCard networks. In the first quarter of 2003, more than $295 billion of goods and services were charged to VISA- and MasterCard-branded credit and debit cards, an 11.5% increase over the same period in Electronic Check Processing Between 18 and 20 billion checks are written at point-of-purchase locations every year in this country. On the Internet, on the phone, and even in the storefront, many merchants don't accept check payments. That's like opening a store at the local mall, but closing your doors to more than a third of potential shoppers. E-Commerce Projections Based on the projections, consumer spending on the Internet will top $14 billion, up 41% from last year. By 2004, 87.2% of small businesses and home businesses will have a website, and the total number of Internet users in North America should grow to 185 million. Gift/Loyalty Card Success Consumers plan to spend $17.24 billion on gift cards this holiday, which would account for nearly 8 percent of all holiday sales. The average gift-card purchaser will be purchasing more than three cards (3.34) for a total of $ Older consumers are spearheading gift card growth. Consumers over age 65 on average plan to buy 3.90 cards, spending $130.62, and consumers will purchase an average of 3.61 cards, spending $ Men plan to spend $ each on gift cards, while women plan to spend $ GENERATE INCOME WHILE YOU SLEEP, PLAY, OR JUST RELAX AT THE BEACH... WHAT WOULD YOU BE DOING IF YOU DIDN'T HAVE TO SHOW UP TO GET PAID! 1Q 2003 PURCHASE TRANSACTIONS Includes VISA/MC Credit And Signature Debit Cards; Excludes Cash Advances 3 Months: 4,696,995,000 transactions Per Day: 52.2 million transactions Per Hour: 2.17 million transactions Per Minute: 36,242 transactions Per Second: 604 transactions Source: CardData (

7 Products and Services Because UF understands the complexity of operating a business in a competitive economy, they have developed value-added services to help promote your customer s business growth. Valueadded products and services compliment your customer s credit card processing requirements with a wide range of complimentary products and services that support their business objectives. United Financials value-added solutions include: Check verification and guarantee Electronic check conversion Gift and Loyalty card systems Automated payment & recurring billing VIP products and services E-Commerce services and internet traffic programs EMV compliant terminals and PCI compliance training Website design, graphics design, website hosting Merchant cash advance services Business and personal insurance services Google Wallet, Apple Pay and Perkwave Value-Added Solutions Your Customers Will Appreciate UF s goal is to enhance your merchants' competitive position and profitability by facilitating change through the integration of valueadded solutions with their credit card processing requirements. Long-term profitability and success result when merchants provide high quality, competitively priced products and services while responding quickly to changing customer needs. Successful companies are those that continually improve all aspects of their business. Sustained business growth requires change! UF s value-added solutions enable merchants to implement progressive change while increasing foot traffic to their establishment, building customer loyalty, reduced risk, while maximizing their bottom line. UF s value-added solutions provide merchant s with the following benefits: Reach new markets Improve customer services Make company offerings and benefits accessible to anybody Increase productivity Improve internal communication Strengthen relationships with employees, customers, & vendors Improve consumer loyalty Increase sales Generate new traffic to your establishment

8 Receive next day funding from new equipment sales/leasing and lifetime residuals from each credit card, check, gift card, pre-paid products, and internet transactions. Are you looking for unlimited earnings potential with the opportunity to build a revenue stream? No other industry program can offer you multiple revenue streams from different products and services than United Financial (UF). With UF, you receive more earning potential, guaranteed equipment lease finance approval, intensive marketing, training, and sales support in the industry, and 24/7 customer support. UF uses it s proven business success to provide you the only program specifically designed to help you achieve your goals. You receive instant access to everything you need to succeed today and well into the future. The UF lease finance program allows you to approve 90% of your leasing with funding of each equipment install electronically deposited in your bank account within hours. Establishing a direct relationship with lease finance companies gives you the ability to select one of our different guaranteed leasing programs with the option of choosing the program that best fits your needs. The leasing company will mail the program directly to you. You will have a direct relationship and work with the leasing company on a day to day basis for lease training, account approvals, equipment installs, lease verifications between the merchant and the leasing company, & daily funding into your bank account.

9 Qualifications Are you an aggressive, goal oriented sales professional who wants to make a high-volume contacts, analyze their needs and offer solutions that cut costs and increase productivity? If you have this desire and sales experience, we have unlimited sales positions available for you if you are willing to work out of a home-based business environment. UPP is looking for individuals that want to earn a month-to-month income while growing a monthly residual income stream. You earn income from your client base 24x7, if they run a transaction, you re paid a commission. Experience selling in the following markets preferred: I believe life is constantly testing us for our level of commitment, and life s greatest rewards are reserved for those who demonstrate a never-ending commitment to act until they achieve. This level of resolve can move mountains, but it must be constant and consistent. As simplistic as this may sound, it is still the common denominator separating those who live their dreams and those who live in regret. - Anthony Robbins At least one year sales experience preferred, but not required Must have a good credit history and no criminal background felony records Being articulate and having good communication skills are mandatory Prospecting, cold-calling and marketing a high volume of contacts Ability to generate and manage a high-volume of leads through telemarketing and setting up appointments on a daily basis An understanding of the math involved to explain savings to your customers Strong sales presentation and negotiating skills Associations Retail storefronts B2B Copier, fax, or office equipment Cellular or pager services Mortgage or loan sales Advertising or yellow page sales Insurance Call Centers/ Telco/Utilities UPP Sales Partner Job Qualifications Excellent time management skills Motivation to meet deadlines & exceed quotas Professional attitude and appearance Strong and ambitious work ethic Energetic and positive personality The ability to build and maintain long standing customer relationships. Reliable transportation required Must have a reliable computer, internet access, and an account Strong PC skills and proficiency in Word, Excel, and PowerPoint Ability to learn how to use contact relationship management software Ability to receive and send faxes Day-to-Day Sales Tasks Ability to develop strong customer relationship management skills including account submission, data entry, tracking, evaluating, contacting, scheduling appointments, follow-up, and planning upselling strategies Insuring paperwork is prepared properly and completed accurately Using customer relationship management software to track, organize, and maintain new sales leads Using the UPP CRM account tracking software to submit new accounts to corporate office for processing, approval, and installation.

10 We know to remain competitive, we have to offer a rewarding work experience, competitive compensation and benefits, a flexible environment and a corporate culture that cares about employee satisfaction, business and professional growth. We re looking for people like you. Our highly trained staff of customer service professionals is available to assist you with any of your questions and concerns. Our staff continuously provides the highest caliber customer support for all of our sales professionals and merchant clients. We realize that all questions, whether big or small, are important and urgent to you. After all, it's your business that we are talking about. Rest assured that when you do business with us, someone will be available to help you every step of the way.

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