The eLayaway payment platform provides consumers and merchants an easy way to use and administer layaway payments online. It allows consumers to budget and pay for large purchases over time, without incurring interest, and provides merchants an affordable alternative to credit cards. Key features include automatic payments from a consumer's bank account, flexibility to adjust payment schedules, and integration with online checkout processes. The platform aims to empower consumers lacking cash or credit, while giving merchants a marketing tool to reach new customers and drive sales throughout the year.

1. Overview
empowering consumers. enabling merchants. engaging new markets.

2. 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 Pay
eLayaway 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.

3. FAQ’s
CLICKTOOPEN
eLayaway is a fiscally responsible and timely payment option that
empowers consumerslacking 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 Process
1Consumer selects item(s) and proceeds to checkout.
2Payment schedule is set using the intuitive eLayaway Calculator.
3Payments are deducted from the consumers chosen bank account via
ACH on the schedule they set.
4 Uponsuccessfulcompletionofthepaymentplan,fundsaretransferred
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 +/- BUTTONS TO ADJUST NUMBER OF PAYMENTS.
Monthly
Payment
eLayaway Now!eLayaway Now!COPYRIGHT 2008 eLayaway LLC | PATENT PENDING
1
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

4. The eLayaway payment platform is designed to
enable merchantsseeking affordable ways to address their customer’s needs.
Built to be Flexible
Retail 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 hands
Unlike 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 Merchants
Unlike 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.

5. Shatter seasonal retail traditions by expanding your window of opportunity to
engage new markets
A Powerful Marketing Tool
In 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 Tool
eLayaway’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 Season
Seasonal 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!

6. empowering consumers. enabling merchants. engaging new markets.
eLayaway Survey Results* (Contact us for complete report)eLayaway Facts
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
(by product category)
Electronics: 6.98 months
Jewelry: 6.75 months
Furniture: 3.21 months
Appliances: 4.21 months
Gift Cards: 7.04 months
Health & Beauty: 4.05 months
User Demographics
Gender
Male: 44%
Female: 56%
Age
18-34: 33%
35-49: 35%
50+: 23%
Ethnicity
Caucasian: 70%
African Am.: 18%
Asian: 2%
Hispanic: 8%
Other: 2%
HH Income
$0-30k: 29%
$30-60k: 37%
$60-100k: 17%
$100k+: 17%
Education
No College: 44%
College: 46%
Grad. Sch.: 9%
Average eLayaway Amount by Merchant Category
Percentage of eLayaway Sales Conversion by Merchant Category
* Survey conducted in 2010 over a three month period.

7. Contact UseLayaway Inc. 1625 Summit Lake Drive, Suite 205
Tallahassee, FL 32317
Phone: 877.352.9292
eLayaway.com
© 2010 eLayaway, Inc. doc 11.10e