announcing in-store financing for nexpet members only

1. Announcing in-store financing for NexPet members only! United Consumer Financial Services

3. Why UCFS? UCFS has developed a program that enables you to do more business with more customers

4. Your UCFS Team Tim Gebhardt Julie Ludlow Carol Stahl Becky McMullen (your UCFS team has combined experience in merchant financing of 100+ years)

5. Program Overview In-store closed-end contract financing For purchases of $300.00 or more A/B/C credit rated customers can qualify for credit (Store employees are not eligible)

6. Levels of Financing Available No down payment is required, but may affect approval when credit is border-line $25.00 administration fee, paid on purchased contracts only Buy Rate ranges from 75 to 100% depending on credit-worthiness of the customer Store pays the difference if you choose to accept the Buy Rate

7. Payment of Contracts Funds paid within 24-48 business hours of completed contract submission First payment default If the customer does not make the first payment, the merchant is responsible for the net amount funded on the contract Merchant is notified of potential default 60 days from notification to resolve with the customer

8. The Credit Application Process Customer fills out application Add your merchant number and insert estimated amount to be financed Call the completed application into an Instant Credit operator at 1-866-342-1670. You will be told if it is an accept and the buy rate, or declined.

9. Applications Approved by UCFS UCFS will offer the store a Buy Rate based on the applicants credit qualifications Store makes decision to accept or decline Buy Rate offered for that customer If accepted - fill out a contract and obtain a legible copy of the driver�s license (to verify customer I.D.) Fax contract, credit application and copy of driver�s license to 1-800-266-9441 The paperwork will be checked for accuracy and the contract will be accepted

10. Approval Please make sure the customer has received their copy of the contract before leaving. We will follow up with the customer in approximately 2 days to confirm their satisfaction and understanding of the contract terms. If the employee needs help with the figures they can call us for assistance (some states are different, so please tell us the state for which you need figures).

11. Buy Rate Decision After you are offered a Buy Rate you may extend the offer of financing to the customer or not If not� �Unfortunately you did not qualify for our consumer credit program, would you like to look at another payment option?�

12. Applications Declined by UCFS The employee will not know the reason and should not guess or offer any reason State �I am sorry you were not approved to use financing as a payment option. Would you like to look at another form of payment?� Fax the credit application to 1-800-631-6600 UCFS will send the consumer a letter with information on how to find out why they were declined

13. The Contract EFT (Electronic Funds Transfer) is the preferred way to set up contract payments. Assume this to be so unless the customer objects Fax all contracts, credit applications and legible Driver�s License copies upon completion to: 1-800-266-9441 Remember to write your merchant number at the top of the contract Be sure all applications and contracts are signed by all parties Secure all applications, contracts and copies of driver�s licenses in a locking storage system (file cabinet, lock box, etc.)

14. Returns Call UCFS immediately to report any return of merchandise that was financed at UCFS and arrange for repayment of the funded contract.

15. Completing UCFS paperwork is EASY! UCFS Credit Application UCFS Contract UCFS Payment Chart

22. UCFS Website Enrollment Instructions

23. UCFS Website Enrollment Instructions

24. UCFS Website Enrollment Instructions

28. Dispositions � on DNCR or Web site (for credit application not originally submitted via Instant Credit) Approved - PDA2 Please Fax Contract to 1-800-631-6600 with the Percentage of Approval (EX: 95%) PDA2 Pending Team Review PDA2 Does Not Qualify for Financing

29. Follow UpBased on the Decision Approval � Fax Completed Contract to: 1-800-266-9441; Make sure to include a copy of customer�s driver�s license. If disposition says Pending Team Review � Check back later for the decision. PDA2 Does Not Qualify for Financing � No action needed.

30. UNITED CONSUMER FIANANCIAL SERVICES (UCFS)CONTACT INFORMATIONUCFS Main Telephone Lines: 1-800-344-5000 440-835-3230UCFS Website: WWW.UCFS.NETAddress: 865 Bassett Rd. Westlake, OH 44145Finance TeamTeam�s Direct Phone number: 1-877-468-3263Julie Ludlow Manager 8:00am-5:00pm X6643Kathy Kray Evening Contact 5:00pm-1:00am X6792Instant CreditInstant Credit Direct number 1-866-342-1670Instant Credit Fax number 1-800-631-6600Becky McMullen Director IC 7:30am-4:30pm X6684Alexis Szudarek Night Sup. 4:00pm-12:00am X5021Account Services (Collections)Jim Barnhart Director AS X6653Amanda Brown Supervisor X6681Candice Rodriguez Supervisor X6636SuppliesKim Ortiz 8:30am-5:00pm X6700BankingConnie Paynter 8:00am-4:30pm X6844

31. Thank you for giving UCFS the opportunity to work with you and help grow your business!