Overviewempowering consumers. enabling merchants. engaging new markets.

eLayaway was built for merchants seeking a

safe and affordablealternative to credit without losing the flexibility consumers need

eLayaway. The Smart Way to Plan and PayeLayaway is a patent-pending payment platform that provides both consumers and merchants an easy way to use and administer layaway. Our payment solution provides the foundation for merchants to both innovate and integrate a layaway solution that serves their specific needs and those of their customers. Our friendly in-house Customer Service department and knowledgable Business Development team is ready to support retailers, eCommerce platforms and payment gateways looking to build, integrate and offer a powerful payment and marketing solution. eLayaway is designed to work with online checkout processes at brick & mortar locations, telemarketing sales, and remotely for in-home service providers and trade shows.

“I choose to shop with eLayaway for the convenience factor. The ability to spread my payments over time without incurring hefty interest charges appealed to me. eLayaway has allowed me to set a budget for the items that I want and stick to it. The automatic debits have made it pos-sible for me to get the things that I want, on the budget that I set.” Ricardo C. Davie, FL

“Last year, I used eLayaway to shop early for Christmas gift cards. eLay-away made it easier to plan ahead and ultimately made the holidays less stressful for me. Their process enabled me to set up a manageable budget, without hundreds of dollars in credit card payments at once. One specific aspect that I valued was the flexibility to adjust my payment schedule at any time based on my needs. Another area that I appreciated was the live chat feature. This tool gave me the ability to have my questions answered quickly and efficiently.”

Melanie H Garfield Heights, OH

“I just wanted to say thank you for creating this service. My father saw your article on msn.com and emailed me the link. I viewed your site, signed up, and made a layaway all in the same day! You all are geniuses. I have four small children and never can af-ford to make large purchases at one time (unless it is food related! LOL!). You have granted me the ability to sur-prise my husband of six years on his birthday next year with the 360 Elite he has been wanting to upgrade his current 360 console. So, again thank you and God Bless!” Fallon B Clute, TX

<<< eLayaway.com went live in August 2006. Corporate headquarters are located in Tallahassee, FL.

FAQ

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eLayaway is a fiscally responsible and timely payment option that

empowers consumers

lacking the cash or credit to afford the items they desire.

Consumers Need More Payment Options:The current economy continues to make it difficult for merchants and consumers to interact, especially on bigger ticket items. In response to the tightening economy, many consumers are making permanent changes to their spending habits, choosing more fiscally responsible ways to spend their money. According to a 2010 comScore® survey, 76% of consumers have changed how they spend their money based on the recession and 43% of them say these changes are permanent. eLayaways mission is to provide those consumers with a safe and affordable alternative to credit.

We appreciate the importance of the role we play in the consumer/merchant sales experience. Our Customer Service staff is trained to provide the premium support and transparency necessary to ensure that our merchants are always properly represented.

A Simple Process1 Consumer selects item(s) and proceeds to checkout.

2 Payment schedule is set using the intuitive eLayaway Calculator.

3 Payments are deducted from the consumers chosen bank account via

ACH on the schedule they set.

4 Upon successful completion of the payment plan, funds are transferred

to the merchant and that merchant fulfills the order.

<<< The eLayaway Calculator allows users to set their payment schedule and start their layaways.

Your Payments! CLOSE

Hide

use the up/down arrow buttons to change individual payment due date amounts

Payment # 1 2 3 4 5 6 7 8 9 10

Amount $182.57 $182.57 $182.57 $182.57 $182.57 $182.57 $182.57 $182.57 $182.57 $182.57

Due Date Today 12/20/07 1/20/08 2/20/08 3/20/08 4/20/08 5/20/08 6/20/08 7/20/08 8/20/08

Adjust Due Date

use the up/down arrow buttons to change individual payment due date amounts

Adjust Due Date

Total: $1095.57

Wilson Fireball Driver - WD12558452

November 10, 2009

6 @ $182.57

Estimated Ship Date:

MONTHLY

USE +/- BUT TONS TO ADJUST NUMBER OF PAYMENTS.

MonthlyPayment

eLayaway Now!eLayaway Now!COPYRIGHT 2008 eLayaway LLC | PATENT PENDING1

2 3 4

Fees: Consumers are charged a flat fee between 1.9% and 3.9% of the total amount of the layaway. The length of each layaway is dependent on the terms and conditions set by each individual merchant.

COPYRIGHT 2010 eLayaway, inc. | PATENT PENDING

The eLayaway payment platform is designed to

enable merchants seeking affordable ways to address their customer’s needs.

Built to be FlexibleRetail layaway is a multi-billion market that is currently running on an antiquated, sometimes manual, system. eLayaway offers the benefits of automation and scalability needed to secure, support and grow any market.

eLayaway was developed to serve merchants looking for solutions designed to reduce costs, expand markets and drive sales. In addition to web-based layaway management, eLayaway provides server-to-server communication mechanisms so merchants can manage their orders via their own systems as well, simply using eLayaway for the data feed. eLayaway provides flexible integration options designed to meet the needs of small, medium and enterprise level merchants, eCommerce solutions and payment platforms.

The Future is in your handsUnlike traditional layaway, eLayaway will allow you to manage your inventory system so you do not have to set aside products during the length of the layaway. eLayaway understands that efficient product management is paramount to profits. We provide you with the necessary options to effectively and efficiently incorporate eLayaway into current business practices so that you can fulfill all orders on demand. Although the payment process and supporting services are handled by eLayaway, the merchant handles the order fulfillment.

True Added Value for MerchantsUnlike other payment alternatives, eLayaway does not cannibalize a merchants existing suite of payment options. It is a true alternative that not only helps consumers that have reached their credit limits, but also helps the merchant reach consumers who, before eLayaway, could not transact online. eLayaway also provides marketing opportunities by allowing the merchant to present their offering in a manner that makes items easier to afford.

eLayaway’s mission is to provide consumers with a safe and affordable alternative to credit. As more and more consumers discover the benefits associated with layaway, many of them have questions about the process and how it works. eLayaway.com helps educate consumers about the layaway process and assists merchants by providing best practice policies and access to the resources they need to create a compliant layaway program.

Fees: Merchants are charged a monthly fee based on transaction volume (between $9.99 and $159.99 per month). The costs associated with using or offering eLayaway are considerably less than those associated with using or accepting credit cards or other alternative payment options.

Shatter seasonal retail traditions by expanding your window of opportunity to

engage new markets

A Powerful Marketing ToolIn an economy where affordability rules and accessibility to funds are scarce, eLayaway provides merchants with access to consumers who were either previously unreachable or looking for alternatives to credit.

Unlike traditional consumer profiles created from a consumers history, eLayaway delivers a profile based on a consumers future plans. Our precognitive approach to marketing allows our merchants to reach their market with what we call super-relevant targets.

A Powerful Marketing TooleLayaway’s primary market consists of individual consumers contemplating purchases that are just beyond their means . As more and more consumers find themselves facing growing debt and high interest rates, many will choose eLayaway as an alternative way to pay for the goods or services they want most. Many consumers find eLayaway to be a convenient method to purchase seasonal items such as holiday gifts, jewelry, travel, lawn equipment and other large ticket items.

The majority of eLayaway users belong to one of three specific consumer behavioral segments:

Planners - Budget-conscious consumers looking for alternative to credit Credit Challenged - Users with limited financial resources/insufficient credit Under-Served - The under-banked/under-served

Additionally, these same consumer behavioral segments exist within other consumer markets such as the Hispanic market, college students, faith-based, and many international markets.

Every Season is eLayaway SeasonSeasonal fluctuations in Internet usage and traditional retail can limit a retailers year-

round marketing effectiveness. Retailers that offer eLayaway are no longer held captive

by the fourth quarter. Our technology and the foresight that comes with offering

eLayaway helps merchants breathe life into their sales, promotions and forecasting.

For example: A member currently paying towards a Summer vacation might appreciate offers from one of our luggage or electronics retailers.

Thanks

eLayaway!

empowering consumers. enabling merchants. engaging new markets.

eLayaway Survey Results* (Contact us for complete report)eLayaway Statistics

Additional eLayaway Brands Merchants are categorized by five distinct vertical markets; retail, sports, travel, health

and home improvement. Since each industry has unique needs and adheres to different

terms of use, this differentiation improves communications and the overall user experience

for consumers. This categorization also provides the opportunity for qualified eLayaway

merchants to cross promote their goods and services across verticals. The sports, travel

and health divisions have their own unique websites.

Average Layaway Length in Months (by product category)

User Demographics

GenderMale: 44%Female: 56%

Age18-34: 33%35-49: 38%50+: 21%

EthnicityCaucasian: 68%African Am.: 20%Asian: 2%Hispanic: 8%Other: 2%

HH Income$0-30k: 25%$30-60k: 33%$60-100k: 19%$100k+: 23%

Average Layaway Amount(by sales division)

eLayawayRETAIL - $545Electronics, appliances, household goods, jewelry, furniture, toys, gift cards, etc.

eLayawaySPORTS - $2773Professional sports season tickets

eLayawayTRAVEL - $1709Travel packages

* Survey conducted in 2010 over a three month period.

Electronics

Jewelry

Apparel/Accessories

Gift Cards

Toys/Hobbies

Sports Tickets

Travel

0 3.00 6.00 9.00

Contact UseLayaway Inc. 1625 Summit Lake Drive, Suite 205 Tallahassee, FL 32317

Phone: 877.352.9292

eLayaway.com

© 2010 eLayaway, Inc. doc 11.10e