1. What is Pawnbroker Financial Services?
   
2. Why Pawnbroker Financial Services?
   
3. Who is Pawnbroker Financial Services?
   
4. Can I apply for a PFS loan today?
5. What are your interest rates?
6. How do I know Pawnbroker Financial Services is a legitimate company that will protect the privacy and integrity of my personal and business finances?
7. Why should I consider borrowing money from Pawnbroker Financial Services instead of my FDIC (Federal Deposit Insurance Corporation) insured bank?
8. Would Pawnbroker Financial Services consider my loan portfolio as collateral for a loan.
9. Has Pawnbroker Financial Services adopted a non-discrimination lending policy?
10. Will Pawnbroker Financial Services conduct an onsite review of my business?

What is Pawnbroker Financial Services?
Pawnbroker Financial Services is a financial services company dedicated to providing the North American pawn industry with a wide range of needed services. Our plans for the industry will be to extend:

• One-Time Loans
• Revolving Loans
• Evergreen Loans (interest only)
• Consolidation Loans

Pawnbroker Financial Services is also planning to offer additional financial services to the pawn industry in the near future; to include:

• Prepaid Stored Value Products
• Payroll Services
• Leasing Programs
• Insurance Services
• Bookkeeping Services

Why Pawnbroker Financial Services?
Unlike traditional banks, Pawnbroker Financial Services:

• won't be restricted by FDIC regulations
• hopes to accept collateral that banks won’t
  • hard assets
  • loan portfolios
  • annual cash flow on sales
  • annual accounts receivables
• will have no non-performance clauses
• understands the needs of the pawn industry

Pawnbroker Financial Services will also offer:

• leasing
• loan options without balloon payments
• longer terms
• selected assumable options

Who is Pawnbroker Financial Services?
Pawnbroker Financial Services, a publicly traded corporation, is staffed and managed by pawnbroking professionals. We recognize our industry has special needs not adequately addressed by traditional lending institutions. Our mission will be to serve our industry with a full suite of financial services necessary for increasing your business and increasing your loan portfolios.

Can I apply for a PFS loan today?
Pawnbroker Financial Services is presently securing the resources necessary to meet the growing needs of our industry. We will be happy to contact you, by way of email, when we’re ready to begin serving your geographic area. Please enter your information below.

What are your interest rates?
Pawnbroker Financial Services rates will vary. We will offer pawnbrokers lower rates as our risks are lowered. We will attempt to tailor rates, terms, and conditions to your individual needs. The criteria considered in calculating your rates will take into consideration:

1. the State or Province in which you conduct business
2. your credit score
3. the nature of your collateral
4. the ability of PFS to perfect a lien on your collateral
5. your years in business
6. the condition of your personal financial statements
7. the condition of your business financial statements
8. other miscellaneous considerations

How do I know Pawnbroker Financial Services is a legitimate company that will protect the privacy and integrity of my personal and business finances?
Pawnbroker Financial Services is a publicly traded corporation (OTC BB:PBOK). We’re managed by well-respected pawnbroking professionals who’ve spent most of their business lives as successful pawnbrokers. Our management team is dedicated to preserving, improving, and assisting the pawn industry. We’re regulated by the Securities and Exchange Commission and must answer to shareholders in the conduct of corporate affairs; including the manner in which we process the data entrusted to Pawnbroker Financial Services.

Why should I consider borrowing money from Pawnbroker Financial Services instead of my FDIC (Federal Deposit Insurance Corporation) insured bank?
The FDIC, an understandably conservative federal regulatory agency, imposes certain requirements on banks that can, in many instances, create hardships for pawnbrokers seeking bank financing.

For example, banks commonly protect themselves, from recourse initiated by bank examiners, by substantially over-collateralizing loans. Furthermore, when there is a negative material change in market conditions or in the physical aspects of the collateral perfecting the bank loan, the fine print in your loan agreement often provides the opportunity for the bank to call your loan.

Would Pawnbroker Financial Services consider my loan portfolio as collateral for a loan?
Unlike most bankers and traditional lending institutions, Pawnbroker Financial Services will consider your loan portfolio as collateral to perfect a security interest in the monies advanced to you under PFS extensions of credit.

Has Pawnbroker Financial Services adopted a non-discrimination lending policy?
Pawnbroker Financial Services does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Any pawnbroker has the right to file a credit application with Pawnbroker Financial Services.

Will Pawnbroker Financial Services conduct an onsite review of my business?
In most cases, Pawnbroker Financial Services will conduct onsite review of pawnshops associated with the extension of PFS credit. A PFS representative will physically review your inventory, loan portfolio, furniture, fixtures, equipment and other aspects of your business deemed necessary in a fair evaluation of your request for credit.