The Money Shop is one of the UK’s leading names for walk in retail financial services, built around its core product of "On The Spot" cheque cashing services. We offer the following menu of services to our franchisees: Third Party Cheque Cashing A cheque that is issued by a Company or Organisation and is made payable to an Individual. Our Cheque Cashing and short-term consumer loan program, provides immediate access to cash. We principally cash payroll cheques, although our stores also cash government benefit, personal and income tax refund cheques. We cashed approximately 2 million cheques with an average face value of £320.00 for an average fee of £22.00 in fiscal 2004. Cash ’Til Payday Loans The Cash’ til Payday service represents 40% of our Cheque Cashing business. We offer a 30-day walk in loan up to £500.00 secured against the customers next salary deposit. This product assists customers to access CASH right now to service unforeseen short term expenditure between paydays. Pawn broking and Jewellery Sales A service where your customer can obtain immediate CASH by depositing their items of jewellery as security with you for an agreed period of time. The unredeemed jewellery being sold by the Franchisee from a retail jewellery counter Foreign Exchange A commission FREE foreign exchange service. Money Shop buys and sells major currencies at competitive rates. 12-Month Direct Debit Loans A simple walk-in loan up to £750 loan that is repayable over 12 months by direct debit from the customers bank account. Western Union The Money Shop is the largest Western Union agent in the UK. Through the Western Union network, consumers can transfer funds electronically to more than 117,000 agents in over 180 Countries. ATM Machines An in-store chargeable ATM acts as a great tool to generate additional revenue for your Franchise operation by allowing consumers the opportunity to access their money in secure surroundings and by giving you the Franchisee more exposure to securing cross selling opportunities.