Say hello to 50 million potential customers with our lease to own programs. Expand your customer base with consumers that have no cash or bad credit.

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1 30 00 wk wk. T wk wk. lease the brands you love wk wk wk. Say hello to 50 million potential customers with our lease to own programs. Incremental Sales Risk-Free New Customers Online Marketplace Payment Method at Checkout wk wk wk wk. lease to own No Cash? Bad Credit? No Problem! Apply today for up to 2,500 instant spending limit In-Store Kiosk Smartphone App Lease to Own Qualifying Merchandise From Any Major Retail Store With Your Smartphone. Expand your customer base with consumers that have no cash or bad credit FLEX-BUY Lease the products you love.com

2 Online Marketplace Sell on.com by adding your product feed to our selection of top brands. Download our free mobile app 0 Incremental Sales Risk-Free Ship to consumer Zero Cost 50 million potential 100% of retail price Fulfillment by retailer to No listing fees. customers with no cash or paid by. maintain company No customer aquisition bad credit. branding. cost. Sell your products on.com today!

3 Payment Method at Checkout Increase sales, boost checkout conversion and grow your customer base. 42 HDTV p lease to own per week? Add to Cart lease to own Weekly Price Widget Payment Method Existing payment methods are for prime consumers that have cash and good credit. Serve non prime customers with at checkout. New Customers Easy API Fast & Automated Mobile Friendly 50 million potential Easy & seamless API Automated spending Optimized for mobile customers with no cash or integration. limit approvals & instant devices. bad credit. lease generatinon. How it works 1 Integration Seamless API integration & dedicated 3 Spending Limit Consumer completes simple online support from development team. application and receives an instant spending limit to pay for the items in the cart. 2 Checkout Customers select as a 4 Settlement electronically signals payment method in checkout. completion of order. pays 100% of retail price to retail partner.

4 In-Store Kiosk Attract more customers and save more sales with our easy and quick self service program. lease the brands you love No Cash? Bad Credit? No Problem! Apply today for up to 2,500 instant spending limit wk wk. No Hassle Zero-paperwork lease process. Incremental Sales Attract more customers and save more sales wk wk wk wk wk. Turn-key Completely turn-key once our payment method is integrated at checkout. Instant Approvals Instant approvals for customer spending limits.

5 App No integration needed! Just promote the app at the store or on your site. Customer Steps: Get FlexDollars Apply for up to 2,500 instant spending limit or log in with a.com account. Snap a Pic Take a photo of the product and fill out a simple form. You have the option for shipping or store pickup. Review & Sign Lease Review and sign lease agreement. It's that simple. The freedom for consumers to lease what they want, where they want. Available in the app store

6 Who is? is an innovative financial and technology company, disrupting the Lease-to-Own (LTO) industry by migrating the proven brick and mortar LTO model into the digital age. We are an ecommerce marketplace and payment method for up to 50 million consumers that do not have sufficient cash or credit to buy durable goods. We enable merchants to sell to this non-prime demographic by offering affordable payment solutions on a vast selection of durable goods. By using our technology platforms, merchants increase their sales with no risk because pays 100% of the retail price. The consumer also wins because they can ultimately shop online or in stores for what they want, where they want. Benefits to etailers and retailers Incremental Sales 50 million potential customers with no cash or bad credit 50% of customers may provide repeat business Over 500 AOV (average order value) Risk-Free 100% of retail price paid by All transactions are non-recourse (i.e. s responsibility) No setup costs or fees Fast & Automated Instant spending limit for customers Next day funds available Contact us today! Brad Bernstein CEO & President DIRECT brad.bernstein@flexshopper.com Marc Malaga Executive VP - Operations DIRECT marc.malaga@flexshopper.com Headquarters 2700 N Military Trail, Suite 200 Boca Raton, FL