HOW IT WORKS

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" rowspan="2" width=153 BGCOLOR="#FFFFFF" TEXT="#080000" background="0070ce82egerdp.png"> <div> <A HREF="xpress_business_funding_usa.htm" TARGET="_top" TITLE="XPRESS BUSINESS FUNDING USA"><U><IMG SRC="0726d800.jpg" border=0 width="109" height="128" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="id2.htm" TARGET="_top" TITLE="APPLY NOW"><U><IMG SRC="06a6d190.jpg" border=0 width="109" height="25" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="id6.htm" TARGET="_top" TITLE="ABOUT US"><U><IMG SRC="06b6d190.jpg" border=0 width="109" height="25" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="id3.htm" TARGET="_top" TITLE="HOW IT WORKS"><U><IMG SRC="06c6d190.jpg" border=0 width="109" height="25" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="id13.htm" TARGET="_top" TITLE="IN THE NEWS"><U><IMG SRC="1036d190.jpg" border=0 width="109" height="25" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="id10.htm" TARGET="_top" TITLE="PARTNERS"><U><IMG SRC="1046d190.jpg" border=0 width="109" height="25" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="id4.htm" TARGET="_top" TITLE="FUNDING FAQS"><U><IMG SRC="06d6d190.jpg" border=0 width="109" height="25" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="id5.htm" TARGET="_top" TITLE="CONTACT US"><U><IMG SRC="06e6d190.jpg" border=0 width="109" height="25" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <A HREF="xpress_business_funding_usa.htm" TARGET="_top" TITLE="XPRESS BUSINESS FUNDING USA"><U><IMG SRC="06f6d180.jpg" border=0 width="109" height="24" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <div> <B>XPRESS BUSINESS</B></div> <div> <B>FUNDING USA</B></div> <div> <B>575 Madison Ave,10</B><FONT SIZE="1" COLOR="#111111" FACE="Arial" ><B>th </B></FONT><B>fl</B></div> <div> <B>New York, NY 10022</B></div> <div> <B>Tel: (</B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>800) 787-8852 </B></FONT></div> <div> <B>Fax: </B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>(914) 725-6851</B></FONT></div> <div> <B>© 2003-2005 Xpress Gold Enterprises, LLC.</B></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> </td> <td valign="top" colspan=2 height=115 BGCOLOR="#111111" TEXT="#F7F7FF" background="00626731dyxtip.png"> <bR> <div> <B><IMG SRC="0fa844e0.jpg" border=0 width="644" height="78" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> </div> </td> </tr><tr> <td valign="top" height=365 colspan=2 BGCOLOR="#DDDDDD" TEXT="#080000" bgproperties="fixed" background="0ce00c00ebgkap.jpg"> <div> <B>HOW IT WORKS</B></div> <div> <TABLE BORDER="0" CELLPADDING="1" CELLSPACING="1" WIDTH="574" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="VOID" RULES="COLS" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 1595 WIDTH="416"><div> <FONT SIZE="3" COLOR="#111111" FACE="Arial" ><I>Xpress Business Funding USA</I></FONT> provides cash advances to its customers through <I><B>accounts receivable financing</B></I>, using the cash flow from credit card sales as a means of automated repayment. Dealing mainly with small retail businesses and restaurants having strong cash flow from credit card sales but are unable to finance their expansion through traditional commercial loans because of low credit scores. </div> <bR> <div> <I><B>Xpress Business Funding USA</B></I><FONT SIZE="3" COLOR="#000000" FACE="Arial" > buys a small</FONT></div> <div> percentage of your "future" Visa and Master Card</div> <div> sales at a discount-- in return for a cash advance</div> <div> now! </div> <bR> <div> <B>Our program is hassle free</B><FONT SIZE="4" COLOR="#000000" FACE="Arial" > </FONT></div> <div> These cash payments are simple and quick and collected from a percentage of Visa and MasterCard transactions over a 6-12 month period. </div> <bR> <div> <B>The Qualification Process </B></div> <div> We review your credit card statements for the last 4 months to determine your cash advance figure, which is based on your monthly credit card sales volume. After reviewing these and your corresponding bank statements we can make you a firm cash advance offer within days and actual funding within 10 days. </div> <bR> <div> No loan committees, no liens, no credit reports and no hassles. We decide immediately ---- and act fast!</div> <bR> <div> <B>The Funding Process </B></div> <div> We realize that small business people do not have time to waste. Therefore, our staff is dedicated to give you a decision and subsequent funding quickly and efficiently as possible--without costly travel time and wasteful meetings. We operate by the latest technology--by phone, fax email and electronic banking. And we can tailor everything to your particluar business needs.</div> <bR> <div> <B>How the Process Works</B></div> <div> Say your business earns an average of $12,500 in gross sales per month using Visa and MasterCard combined. A typical offer is $10,000 cash now for $13,500 payable in the future, which represents approximately a 1/3 discount. Then a 20% discount is applied to your daily Visa & MasterCard sales only (no other sales) until the $13,500 is collected. This process usually takes between 6-12 months. </div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>For more information-- Check the links below.</B><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> <A HREF="id8.htm" TARGET="_top" TITLE="INSURANCE"><U><IMG BORDER="0" SRC="Symb075c00b700f011111100.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Company Success Insurance</U></A><A HREF="id8.htm" TARGET="_top" TITLE="INSURANCE"><U> </U></A></div> <div> <A HREF="id9.htm" TARGET="_top" TITLE="ADVANTAGES"><U><IMG BORDER="0" SRC="Symb075c00b700f011111100.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">"Cash Advance" Advantages</U></A><A HREF="id9.htm" TARGET="_top" TITLE="ADVANTAGES"><U> </U></A></div> <div> <A HREF="id12.htm" TARGET="_top" TITLE="FUNDING HISTORY/CASE STUDIES"><U><IMG BORDER="0" SRC="Symb075c00b700f011111100.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Funding History</U></A><A HREF="id12.htm" TARGET="_top" TITLE="FUNDING HISTORY/CASE STUDIES"><U> and Case Studies</U></A></div> <div> <IMG SRC="0eb2de50.gif" border=0 width="301" height="229" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> <B><U>CASH TIP</U></B></div> <div> <B>Your "CASH ADVANCE" can be taken as "PROFIT NOW"! </B></div> <div> Adjust your menu or product prices from 3-7% for inflation costs and your cash flow will not be impacted even when the 20% is applied to the Visa/Master Card. Then, when the Cash Advance is completed in 6-12 months, the 3-7% increase on all your cash and cards become additional net profit for you. </div> <bR> <div> <B>Click the 'Apply Now' button below </B></div> <div> <B>to find out if you qualify for a cash advance.</B></div> <div> <I><B>An estimate will be sent to you </B></I></div> <div> <I><B>within 48 hours via return email. </B></I></div> <div> <I><B>All information remains confidential. </B></I></div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <A HREF="id2.htm" TARGET="_top" TITLE="APPLY NOW"><U><B><IMG SRC="0b36d180.jpg" border=0 width="109" height="24" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <bR> <div> <A HREF="trade_exchanges.htm" TARGET="_top" TITLE="TRADE EXCHANGES"><U><B>TRADE EXCHANGES CLICK HERE</B></U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> <B><IMG SRC="09881c80.gif" border=0 width="129" height="200" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <div>  <a href="http://www.dpbolvw.net/click-1740599-10303989" target="_top" > <img src="http://www.ftjcfx.com/image-1740599-10303989" width="120" height="240" alt="" border="0"></a>  </div> </NOBR></tD> </tR> </TABLE></div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <A HREF="http://www.broadwaymedia.com" TARGET="_top" TITLE="http://www.broadwaymedia.com"><U><B><IMG SRC="0ecb7470.jpg" border=0 width="183" height="71" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <bR> <bR> <bR> <bR> <bR> <div> <I>HOW IT WORKS</I></div> <bR> <bR> <DIV ALIGN="LEFT"></DIV> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" >Welcome Page</FONT>   |   <A HREF="index.htm" TARGET="_top" TITLE="Welcome Page"><U>home</U></A></div> <div> <A HREF="index.htm" TARGET="_top" TITLE="Welcome Page"><U>Welcome Page</U></A>   |   <A HREF="xpress_business_funding_usa.htm" TARGET="_top" TITLE="XPRESS BUSINESS FUNDING USA"><U>XPRESS BUSINESS FUNDING USA</U></A>   |   <A HREF="id2.htm" TARGET="_top" TITLE="APPLY NOW"><U>APPLY NOW</U></A>   |   <A HREF="id6.htm" TARGET="_top" TITLE="ABOUT US"><U>ABOUT US</U></A>   |   <B>HOW IT WORKS</B>   |   <A HREF="id4.htm" TARGET="_top" TITLE="FUNDING FAQS"><U>FUNDING FAQS</U></A>   |   <A HREF="id13.htm" TARGET="_top" TITLE="IN THE NEWS"><U>IN THE NEWS</U></A>   |   <A HREF="id5.htm" TARGET="_top" TITLE="CONTACT US"><U>CONTACT US</U></A>   |   <A HREF="id8.htm" TARGET="_top" TITLE="INSURANCE"><U>INSURANCE</U></A>   |   <A HREF="id9.htm" TARGET="_top" TITLE="ADVANTAGES"><U>ADVANTAGES</U></A>   |   <A HREF="id10.htm" TARGET="_top" TITLE="PARTNERS"><U>PARTNERS</U></A>   |   <A HREF="id12.htm" TARGET="_top" TITLE="FUNDING HISTORY/CASE STUDIES"><U>FUNDING HISTORY/CASE STUDIES</U></A></div> <bR> </td> </tr></table></body>