APPROVALWARE, INC.

MORE CREDIT = MORE CUSTOMERS = MORE PROFITS

ApprovalWare(tm) is the world's first multimedia (online, on the phone, and at point-of-sale), multi-lender, credit decisioning, processing and management solution. Very simply, if you're currently providing in-house credit at point-of-sale; or, if you're considering doing so; or, if you're extending credit to your customers through third-party lenders or via private label programs; or, if you'd like to provide that service now; there is nothing on the planet that will provide quicker results and greater lift to your bottom line than ApprovalWare. Don't take our word for it. Talk to our business-clients that use it now. Better yet, take a tour (by appointment only).

• ApprovalWare is a fully compliant and extremely secure (certified by CyberTrust/TruSecure) retail credit decisioning, credit portfolio management, credit-granting and transaction processing platform. ApprovalWare software and setup is FREE!* (Modest, one-time customization fees may apply, depending upon your business' requirements.) Access to a web browser is all you need to get started. Nominal charges apply on a per-transaction basis (you pay for it as you use it). Retailers (online, on the phone, and at point-of-sale) subscribe to it much like someone would subscribe to a personal cellphone plan, specifying number of minimum monthly transactions required per month. The ApprovalWare platform processes all of your transactions from all media in one place in a comprehensively automated environment. Whether you're just seeking to turbocharge your current transaction systems; or, if you're looking to learn more about how single or multiple third-party lenders--with multiple levels of credit acceptance for consumers across the entire credit spectrum--may provide your business with the ability to INSTANTLY deliver more credit options to more of your customers in real-time; look no further than ApprovalWare. With five patents pending, ApprovalWare is available for your review by appointment only. To learn more, call 866-344-0488 (toll free), or email: info@approvalware.com.

• AVAILABLE DATA LINKS:
• [Rev. 12/05]
• Alliance Data
• American Express
• American General (AIG Retail)
• BA Merchants Services
• Canadian Tire Acceptance
• Certegy
• CitiFinancial
• Fifth Third Bank
• First Data Merchants Services
• First Hawaiian
• First Horizon
• GE Retail Sales
• Global Payments
• Heartland Payment Systems
• HelpCard
• HSBC
• Moneris
• NOVA
• Paymentech
• RSSLynk
• SDCNet
• Stored Value Systems
• VAP/DEX
• Vital Processing Services
• Wells Fargo Financial
• ...and many others
• [Don't see the links you need? Ask us how we may provide new platform connections for your business' needs in as little as 72 hours.]

APPROVALWARE, INC.

Mr. Robert Swern
COO & President
40 West Main Street
Mount Kisco, NY 10549
Phone: 914-244-0488
Fax: 914-244-0489
robertswern@approvalware.com
http://www.approvalware.com