FUNDING FAQS

<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> </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> <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= 1852 WIDTH="416"><div> <B>FUNDING FAQs</B></div> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>What is a CASH ADVANCE?</B></FONT></div> <div> A Cash Advance is money given to small business owners who need to raise immediate capital. We advance this cash by purchasing a pre-determined amount of your business sales volume from your  Visa/MasterCard merchant account.</div> <div>  </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>Is this something new?</B></FONT></div> <div> No. Cash Advances or Receivables Financing as it is called in the banking industry has been around since the 1950's. It wasn't until a few years ago, however, that restaurant owners, service businesses and various retailers could take advantage of this method of funding.</div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>How do I qualify?</B></FONT></div> <div> If you are a restaurant, a retail establishment or other small company with at least 1 year in business and with at least $2,500 per month in VISA/MasterCard sales for the previous 4 months, you are almost there! Some new companies may be considered.</div> <bR> <div> If you have no open tax liens, judgments or bankruptcies, have reasonably acceptable personal and business credit and are in good standing with your property leasor with at least one year remaining on your lease you are eligible.</div> <bR> <div> Now kindly fill out our short <A HREF="id2.htm" TARGET="_top" TITLE="APPLY NOW"><U>application form</U></A> and we will promptly contact you to let you know how much you can qualify to receive.</div> <DIV ALIGN="LEFT"></DIV> <div> <A HREF="id2.htm" TARGET="_top" TITLE="APPLY NOW"><U>APPLY NOW</U></A></div> <bR> <div> <FONT SIZE="3" COLOR="#CC0000" FACE="Arial" ><B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B></FONT><B>Will my existing credit card </B><B>processing </B><B>rate be the same?   </B></div> <div> Yes. We will match your current processing rate. In some cases, we might even be able to reduce them. </div> <bR> <div> <FONT SIZE="3" COLOR="#CC0000" FACE="Arial" ><B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B></FONT><B>Will I have to wait </B><B>long </B><B>for approval of my cash advance?</B><B> </B></div> <div> No. Pre-approval is usually obtained within 48 hours. Funding usually takes approximately 10 days depending on the amount of the advance and the processing of the necessary documents. </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>How much can I actually qualify for?</B></FONT></div> <div> Your average Visa/MC sales volume qualifies you for an advance of from $2,500 to $150,000. Higher volume businesses can qualify for even a larger limit.The sales volume is calculated over a 120 day period.</div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>How do I apply for a cash advance?</B></FONT></div> <div> There are several ways to apply for an immediate cash advance. The easiest way is to fill out online our <FONT SIZE="3" COLOR="#111111" FACE="Arial" > </FONT><A HREF="http://www.xpressbusinessfunding.com/id2.htm" TARGET="_top" TITLE="http://www.xpressbusinessfunding.com/id2"><U><U>Quick Cash Approval Application</U></U></A> or call (914) 329-2323 for an application.</div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>How fast can I receive the funds?</B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> 7 to 10 days on average after approval. </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>How do I repay my cash advance? </B></FONT></div> <div> A small percentage of each Visa/MasterCard daily transaction is collected through our processing bank. There is a minimum payback term of 30 days but, if you need a longer term, you can make monthly payments for up to12 months. </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>Can I use my existing credit card processing account?</B></FONT></div> <div> Yes. If your Credit Card Services are one of our Major Compatible Services. If not, we require that you use our approved processor who is certified to administer our program. </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>Will you pay for the switching of my  POS system and my 800 number?</B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> Yes. We will gladly pay any invoiced POS  or toll-free phone service charges. </div> <bR> <div> <FONT SIZE="3" COLOR="#CC0000" FACE="Arial" ><B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B></FONT><B>Is there a penalty if I close dow</B><B>n</B><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT><B>for repairs or remodeling?</B></div> <div> No.There is no time limit on your payback, no interest and no early pay-off penalties. This is not a Loan! The amount remains the same. </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>What if I need more money at a later time?</B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> You can re-up your application for new funds in typically 4 to 5 months if necessary. </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>What if I had a bankruptcy in the past?</B></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div> The bankruptcy must be at least one year old. </div> <bR> <div> <B><IMG SRC="0ef090d0.gif" border=0 width="9" height="13" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B><FONT SIZE="4" COLOR="#808080" FACE="Arial" ><B>How do I handle questions or problems?</B></FONT></div> <div> Customer Service is always available for questions and assist with your problems. Kindly call (914) 329-2323 and someone will be happy to assist you.</div> </tD> <tD VALIGN=TOP><NOBR><div> <B>?</B></div> <div> <B><IMG SRC="0a86dc80.gif" border=0 width="109" height="200" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <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> <bR> </NOBR></tD> </tR> </TABLE></div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Contact us if you have additional questions</B></div> <div> <A HREF="mailto:mschultz@broadwaymedia.com" TARGET="_top" TITLE="mailto:mschultz@broadwaymedia.com"><U>info@xpressbusinessfunding.com</U></A></div> <bR> <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>FUNDING FAQS</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>   |   <A HREF="id3.htm" TARGET="_top" TITLE="HOW IT WORKS"><U>HOW IT WORKS</U></A>   |   <B>FUNDING FAQS</B>   |   <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>