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NO. OF PAYMENT:    12

FOR FINANCING:  ZERO INTEREST RATE AVAILABLE FOR 12 MONTHS

NOTES:

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A. Down payment at closing.

B. Financing due to PFC payable in 12 consecutive monthly payments at no interest rate.

C. Franchise expires annually, renewable after the term is over.

     Includes: contracts, initial training, use of trademark, manuals (all payable only once at closing)

D. For financing, pre-authorize payment applies.

E. For full payment, 10% discount is provided.

F. Equipment and Start-Up Kit is mandatory.

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