Rarely does an outstanding opportunity come along. Express Financial Centers is one of those rare opportunities. Business is booming. Come join us.

People talk about the opportunity and the positive financial model of the check cashing and payday loan business. Operators have gone into various components of the business with various models. It is a business that takes few people to operate and little inventory other than cash. However, over the years the check cashing and payday loan segment has changed a great deal. What started to be a product being marketed to lower income customers located in urban areas in a less than attractive setting continues to evolve into a suburban middle income attractive alternative financial center. This requires automated systems in locations that are clean, professional and well branded to serve this middle income client. At Express Financial Centers we bring the right mix of products, systems, training, business relationships and support with the look and service of the traditional community bank in your backyard featuring alternative financial services most requested. We do much more than cash a few checks. Express Financial Center as the name implies is a financial center featuring many financial based products. We are a west coast operation looking for franchisees currently only in the western and midwestern United States. This translates an offering of products to your kind of customers with support in your time zone and a marketing plan that is more effectually pooled together.

Express offers the franchisee a competitive advantage of having a highly automated system that establishes membership accounts for customers and then cash checks, make short term payday loans (automatically deducted from their accounts), sell money orders, wire transfer money, sell multiple prepaid products, sell branded Master Cards and more. Transactions are done for members quickly, efficiently at reduced risk at any franchise location by the members thumb print. This brings an image of the identification, photo of the customer, signature, an image of every check cashed and information on existing loans and other products. Additional services are available and can be added depending on your market. Because of our strength and depth of background we are always examining the market for new profitable products. Franchise input is always welcome.

The Franchise

We are looking for people who have great experience in running a business operation, but might or might not have started a business in the past. At Express Financial Centers we can help enjoy the process of being your own boss with guidance at each step as you need it. That includes everything you need from the initial idea stage to the store opening and beyond.

This includes:

• Assessing the market in your area for feasibility
• Offering site selection options
• Lease negotiations that include EFC and professional leasing companies representing you
• Build-out options that allow you or EFC to ready the space
• Turnkey ready and all levels between
• Licensing and Insurance application support
• Classroom training and real in-store training at least two locations showing real market conditions
• Store opening support including up to one week on site grand opening support
• Marketing support that includes current working advertising programs
• Part of the EFC membership program that allows customers to go to any EFC locations adding total portability and branding
• Ongoing support for any questions as they come up. Live professionals helping you with issues
• Internet lead support
• Free software upgrades as released

Express Financial Center gives you several franchise options to choose from:

Full Service Store Front franchise - This is our complete store that includes the complete variety of services.

• Estimated total investment $90,600 to $223,500. *
• Royalty: The greater of $300 or 5% of the gross receipts.
• Usually 1,000 to 1,500 square feet and in retail shopping areas.

Small Market Franchise or Store Kiosks - This is our store that for smaller markets or hard to place sites

• Estimated total investment $45,600 to $89,500 *
• Royalty: The greater of $300 or 5% of the gross receipts.
• Usually 750 to 1,000 square feet and in retail shopping area (Kiosks as low as 300 square feet).

Express Financial Center conversion - Existing Payday lending/check cashing existing stores that wish to convert to the advantages and added products of EFC. Call for details.

Multi-store plan - We have a great plan that gives you the right to buy additional franchisee locations over the next 12 months at reduced costs. Unlike many other franchise operators we allow you reserve an area and get your feet wet in the first location before paying for the future locations.

Area Development - This gives a franchisee with significant resources and skills to market many stores to other in given markets. These markets are limited to certain areas.

*You should refer to the companies uniform Franchise Offering Circular for more complete and up to date information.