Zero Interest Financing

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" background="34b785a3.jpg"> <div> <FONT SIZE="5" COLOR="#FFFFFF" FACE="Arial" ><B>Western Trade Exchange</B></FONT><B>    </B><B> |     </B><A HREF="index.htm" TARGET="_top" TITLE="Western Trade Exchange"><U><B>home</B></U></A></div> <div> <A HREF="id166.htm" TARGET="_top" TITLE="Debt Settlement"><U>Debt Settlement</U></A>   |   <A HREF="id39.htm" TARGET="_top" TITLE="Discounts for Members"><U>Discounts for Members</U></A>   |   <A HREF="id38.htm" TARGET="_top" TITLE="Guarantee Procedures"><U>Guarantee Procedures</U></A>   |   <A HREF="id161.htm" TARGET="_top" TITLE="Member Specials"><U>Member Specials</U></A>   |   <A HREF="id78.htm" TARGET="_top" TITLE="Member Meetings"><U>Member Meetings</U></A>   |   <A HREF="id79.htm" TARGET="_top" TITLE=" Newsletter"><U> Newsletter</U></A>   |   <A HREF="id35.htm" TARGET="_top" TITLE="Earnings Opportunities"><U>Earnings Opportunities</U></A>   |   <A HREF="id58.htm" TARGET="_top" TITLE="Privacy Policy"><U>Privacy Policy</U></A>   |   <A HREF="id157.htm" TARGET="_top" TITLE="Login Member Private Area "><U>Login - Member Private Area  </U></A>   |   <A HREF="id63.htm" TARGET="_top" TITLE="Transaction Services"><U>Transaction Services</U></A>   |   <A HREF="id153.htm" TARGET="_top" TITLE="Referral Forms"><U>Referral Forms</U></A>   |   <B>Zero Interest Financing</B>   |   <A HREF="id21.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A>   |   <A HREF="id97.htm" TARGET="_top" TITLE="WTE Members Payments"><U>WTE Members Payments</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="34cd2b03.jpg"> <div> Back to: <A HREF="id18.htm" TARGET="_top" TITLE="Member Services"><U>Member Services</U></A></div> <div> <IMG SRC="254747d0.png" border=0 width="116" height="125" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> An average major credit card account has about $8000.00 balance as of 2001.</div> <div> Paying minimum payments on this would require on the order of 47 years to pay it off.</div> <div> At 18% annual interest rate, the cost of carrying this debt is $1440.00 per year.  </div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>Zero Interest Financing</I></div> <div> A unique feature of the tCashe card is the capability of zero interest financing which stems from the cooperative basis of the group of businesses and individuals who participate.  The businesses have agreed to accept timed cash payments through their accounts and so the payments made by the individual members are transferred to the businesses each month.  Please observe this is not an "introductory rate".  It is the normal rate for the tCashe card as it has been for many years.</div> <div> Business members are expected to pay any cash due billings in full each month but they too have a zero interest financing capability by virtue of paying charges in trade where no interest is added.</div> <div> As such, earnings for the Exchange itself come from one time service charges on transactions and an annual fee.   When compared to major credit card interest rates of 18% and more,  these charges are far less for most members using the tCashe card.   The service charges on an individual account are applied only to the amount of cash saved in using the card.</div> <div> Not only that, but the trade portion of an account provides free bonuses and discounts to individual members and a discount method of payment for businesses.  It is quite possible to pay a $100.00 charge with only $50 or $60. Cash.   It takes a bit of intelligence and getting used to this tool to use it properly but everyone wins when we all "play fair".</div> </td> </tr></table></body>