Welcome to the Cash Now help online wizard.

We have compiled this online help resource to assist you in your navigation of the Cash Now Australia and New Zealand web site. When we started out developing the Cash Now site we aimed to create more than just a payday loan web site. As we grew we added many features and benefits to the site. Cash Now offers portal access to 5 different use groups. We cater to:

• Individuals looking for a short term payday loan
• Individuals looking to get involved in the payday loan business as a franchisee
• Companies or individuals who are looking for a payday loan resource
• Companies or individuals who are looking for an above average investment return (Investors in a payday loan business)
• General consumer information on the payday loan business

The easiest way to navigate the Cash Now site is to use our Cash Now search utility. Simply type in the key words you are looking for or scroll down through the text.

Q: What are Payday Loans?
A: Payday advance loans were developed to help a person receive the money they need today without having to wait for their next paycheque. We delay the deposit of their personal cheque until their next pay day, which is usually less than 2 weeks away.

They get the cash they need before their next payday!

Q: How do I apply for a Payday Loan?
A: If you live in USA go to www.cashnow-usa.com If you live in Canada go to www.cashnow.ca If you live in Australia or New Zealand go to www.cashnowau.com Click on the button “Apply Now”

Or simply click on this link http://www.cashnowau.com/applynow/au.html

Q: What is a call back request?
A: Call back request is ideal for those consumers who wish to be contacted by telephone at a specified time. Simply complete the call back request and the issue you wish to discuss, and we will call you.

Q: What is a Message Board?
A: Message board is a time delayed message posting service. If you received exceptional service from a Cash Now outlet or a franchisee, please let us know. We know that good word travels slow and bad news like wildfire. Customer service is our TOP priority! If your concern is of an urgent nature, you may call us toll free or simply email us at support@cashnow.com

Q: What is Cash Now Flash?
A: Cash Now flash is a web site developed in Macromedia Flash. Flash allows movement compared to a regular HTML web page. If you can not view the Cash Now flash you can download the free flash player at this web address http://www.macromedia.com/ To view the Cash Now flash web site simply click on this link cashnow_flash/index.html

Q: What is a Quick Cash Flash?
A: This is a small flash site devoted to individuals who are very impatent and just want to read the headlines of the business. To view the quick cash flash click on this link cash_flash/index.html

Q: What are the Services offered?
A: Please visit this link: services.html

Q: What is your Mission Statement?
A: Please visit this link. cn_mission.html

Q: I have a VIP account. How do I apply without going through the entire approval process again?
A: Please visit this link cn_vip.html

For security reasons, we may contact you by email to confirm your request. If approved, we will electronically deposit the funds into your account and debit your account as agreed.

Q: I want to become an affiliate. What do I do?
A: Please visit this link cn_affiliate.html

We will call you and visit your website to see if there is a good match. We are always looking for good quality websites to link to us. We will not approve any website as an affiliate that promotes hate pornography or any sort of exploitation.

Q: Where can I see your Corporate Citizen Progress?
A: Please see this link cn_corporate.html

Q: Where can I apply to work with Cash Now?
A: Are you looking for a change? Don't apply if you are simply looking for "work". Cash Now is always looking for top notch talent! Are you an ex-banker, loan officer, Investment dealer, sales professional, Customer Service Rep, Network Developer, Administrator or an Internet Guru?. Feel like you are caught in a dead end job? Explore the unique and exceptional opportunities with Cash Now!! If you are talented, competent, capable and love working with people, we want to hear from you!! Cash Now operates a network of franchisees and affiliates throughout North America and now in Australia. All employment candidates must be good communicators, and support our operators! We pride ourselves on service, quality and franchise support!! Please visit this link cn_career.html If you feel you would be a good candidate, please send us your resume in .doc format at adminau@cashnow.com

Q: How can I reach you by telephone?
A: Please see this link contact.html

Q: I'm concerned about my privacy. Do you have a Privacy Policy?
A: Please see this link privacy.html

Q: What is your Legal Policy?
A: Please see this link legal.html

Q: How do I get a Cash Now Email account?
A: Please send us your request at tech@cashnow.com and include your desired user name and password. We reserve the right to decline any e-mail account that contains offensive content. We do not allow spamming from our servers. Your account will be terminated if you are suspected of spamming.

Q: I spotted the Cash Now Bug at a recent ball game but did not have time to pick up the promotional items you were handing out. Can I get a pen or a sweatshirt mailed to me?
A: Certainly! We usually order 5,000 to 10,000 items for a major sporting event. Most of the items are distributed at the event but it is not uncommon to have a few promotional items left. E-mail us at staff@cashnow.com with your request.

Q: I keep getting faxes from Cash Now. How do I remove my fax number from your database?
A: Sorry! Sometimes our marketing department does an overkill when we launch a new franchise operator or when we target market an area. Simply fax us @ (08) 8410 2748 with a remove request.

Q: What is your view on the Payday Loan Industry?
A: It has been estimated that as much as 35% of the North American adult population has no formal banking relationship; yet cheques are still the predominant form of payment of salaries, services and government entitlements. Banks are becoming more and more restrictive in their policies for chequing accounts and rarely will a bank cash a cheque for a non-customer. Even among those who poses a bank account, about two-thirds of our customers there is no incentive in depositing a cheque and waiting five days or more for it to clear. A recent poll indicated that the average household expenditure was some $ 3,000 to $ 4,000 greater then their income (take home pay) in 2000. Consumers are stretching their pay cheques and creating a pent up demand for short term pay day loans.

As the banks are tightening their lending policies, a vacuum effect is being created in the short term lending industry. Cash Now and (Cash Now Plus) (CP) is the leader in the ever growing short-term Consumer Loan industry around the world. Our growth is directly attributed to the huge demands for small loans and more importantly, due to the proven track record and incredible market, Cash Now will continue to grow at an incredible rate. By the year of 2003 the company plans to have over 200 locations in Canada and 1,500 locations in the United States and over 50 locations in Australia and New Zealand.

At Cash Now, we are committed to open communications, teamwork and working together to create innovative and consumer-focused solutions.

Owning a Cash Now franchise is your chance to share in an exciting, recession resistant and financially rewarding business opportunity. Your business does not require a large monthly overhead and your inventory is the most liquid there is cash! For the serious entrepreneur seeking financial independence tomorrow, a Cash Now franchise is the ideal place to invest in today.

We are actively seeking motivated individuals with entrepreneurial drive for single unit and multi unit franchise developments in select markets in Australia and in New Zealand. Franchise operators should possess a strong desire to succeed, and the discipline to follow a proven system.

Q: What is an Intranet?
A: Intranet is where Cash Now franchisees access resources for their day to day operations. Part of the Cash Now E5 system resides in the Intranet. This client-server software system also takes advantage of the special franchisee Intranet that has been established by Cash Now. This Intranet site includes a vast array of resources, forms and letters that may be imprinted into any project the franchisee may be working on.

Q: I clicked on Powerpoint and got an online form. Why is that?
A: A lot of the technology developed by Cash Now is proprietary technology that we would like to protect. We want to make sure that the resources we developed remain our property. The information you provide is subject to the confidentiality agreement you electronically sign.

Q: Why can't I access your site? I keep getting error messages.
A: Cash Now has an obligation to protect the interests of it’s customers and franchisees. If you disabled the cookies option or you are running an IP blocking software, Cash Now's website will detect it and not permit you further access.

Q: I'm a competitor. Why can't I access the Cash Now website from my location?
A: That should be obvious!

Q: Where can I find out more about Cash Now E5 System?
A: A preview of the E5 can be found at this link: cn_technology.html

Q: What is the market size of this business?
A: Please see this link cn_market.html

Q: What is the Business Overview of the industry?
A: Please see this link cn_bizoverview.html

Q: I'm interested in a Cash Now Franchise. Where do I find out more information?
A: Please visit this link franchise.html

Complete the online form and press submit. You will be transferred to another section of the web page where you can read the entire offering online view a powerpoint presentation that will answer most of your questions.

Q: Is there any more information on franchising in general?
A: We have assembled the following information without trying to be bias. Please review the information on this link. franchise_benefits.html

Q: I'm more of a "LONE WOLF". Can you recommend anything else for me?
A: REMEMBER NOT EVERYONE SHOULD GO INTO BUSINESS FOR THEMSELVES. Cash Now uses a vast array of tools to select only the best candidates. If we feel you do not fit our franchise model, take a look at the resource option. http://www.paydayloanbusiness.com

Q: What exactly is the Resource option?
A: Cash Now and AFR offer this package to those business minded people who have demonstrated the ability to “be the boss” and to do it on their own! Although we strongly encourage the franchise model, the ultimate decision is yours.

Q: I can't decide if I should go solo or in a Franchise System.
A: If you choose to explore the Cash Now franchise system unfortunately that decision will be made for you. Unless you score as a good candidate with our EDGE evaluation going solo may be your only option.

Q: I’m interested in having the Cash Now Race Car available for a fund raiser. Is it possible to have Cash Now make the car available?
A: We are always looking to support a good cause. Please drop us a line about the fund raiser and what you would like from us. Please e-mail us at staff@cashnow.com

Q: I would like to re-up my loan; but I need to know the balance due. How can I find out online?
A: Cash Now customers can call or e-mail their local Cash Now branch and we will e mail you a special web page where you can view your loan balance online.

Q: I supplied my e-mail address to you. Now what?
A: If you joined the Cash Now mailing list you will be entered in a draw to win $500

Q: I want to apply for a loan but I'm hesitant.
A: We love to lend money and earn fees however, regardless of where you borrow, we remind our customers to borrow what they NEED not what they WANT to have! Cash Now takes exceptional care and sight to choose only the top notch and best qualified franchisees. We train our franchisees to identify your borrowing needs and suggest solutions. Sometimes, a small payday loan advance is all that's required to get you, our customer, over the hump.

Q: I want to apply for Payday Loan but I'm embarrassed.
A: Look, everyone gets in a jam now and then. We understand. Cash Now offers the consumers a choice by offering a discreet way for consumers to apply in our offices or online.

Q: My Creditors are haunting me. Can you help?
A: Simply ask your local Cash Now franchisee to make the call on your behalf.. We will on your behalf, pay them directly and alleviate the frustrations!. We understand the strain you may be experiencing. It is our way of helping our valued customers out!

Q: I can't see the Cash Now video. What's wrong?
A: You may need to download the real player from www.real.com It is available free for downloading.

Q: The website looks distorted. How do I fix this?
A: Our web site is designed to be best viewed in 800 x 600 pixels.

Q: I'm an AOL user and I can't see everything.
A: Our website is designed to be best viewed using Microsoft Explorer. We do optimize the site to accommodate Netscape, Opera and AOL browsers. If you are still experiencing difficulties while using AOL go to the keyword section and download the Microsoft Explorer for AOL. It will come in handy for future use as well.

Q: I'm a WEBTV user and I can't download.
A: Choose the view online option in the drop down menu.

Q: Why do you insist that the potential franchisees use the web?
A: We are an “e” based payday loan company. If you are looking for a “traditional” pen and paper way of doing business, Cash Now is not the company you should be looking at.

Q: Do I need Adobe Acrobat to download documents?
A: If you downloaded material from the backnet you will need an Adobe viewer. You can download a free Adobe viewer at www.adobe.com There is a direct link to Adobe in the backnet.

Q: I need help understanding the process and these documents. Can you help?
A: Yes. Simply call us or click on the help button, or call back button and we will respond.

Q: How did I get here from the Cash Now website?
A: If you are wondering how Cash Now web site came to be in your task bar, that is called an exit splash. Cash Now uses various technologies to position itself in the marketplace.

Q: How did Cash Now “know” to pop up on my screen?
A: If you were looking for a mortgage or a loan etc. Cash Now uses some of these key words to initiate a web splash from various search engines.

Q: I’m actually looking for a mortgage and a secured credit card. Can you help?
A: Some Cash Now operators are mortgage brokers by trade. In addition Cash Now works closely with many sources. Simply ask one of our local franchisees for assistance or e mail us at staff@cashnow.ca

Q: I was at your site at a certain link and now it won't let me access it. Why is that?
A: Cash Now utilizes “expiring” time sensitive pages. To access the expired page simply go to the section that you were inquiring about (affiliate, loan, franchise etc..) and submit another confidential request.

Q: I was looking for your competitors website and I came back to Cash Now? How is that possible?
A: Hmmmm Interesting! I wonder if our marketing department had anything to do with that?

YOU MUST HAVE 128 BIT SECURITY FOR YOUR BROWSER

You need a 128 bit security installed on your browser to view your Intranet as everything we have online is in a secure 128 bit area.

If you are receiving a blank page click on HELP in the task bar menu.
Click on ABOUT INTERNET EXPLORER

Take a look at your cypher strength if it's not 128 CLICK on UPDATE INFORMATION To download the 128 bit security - Please Click Here
After you install, restart your computer. The certificate you download is good for viewing all secure sites and Internet Banking.