DR. LEONARD'S SHOPNOW PAY PLAN

FINANCIAL SERVICES, NAMELY, AN INSTALLMENT PLAN FOR GOODS AND SERVICES PURCHASED BY SERVICES SUCH AS DIRECT RESPONSE, MAIL ORDER OR ELECTRONIC CATALOG ORDERING SERVICES IN THE FIELDS OF CLOTHING, FOOTWEAR, HEADGEAR, CLOTHING ACCESSORIES, PURSES, JEWELRY, WATCHES, COSMETICS, PERFUMES, FRAGRANCES, VITAMIN AND MINERAL SUPPLEMENTS, DIETARY SUPPLEMENTS, HERBAL REMEDIES, BODY SUPPORTS, HOMEOPATHIC PHARMACEUTICALS, BEAUTY AIDS, HEALTHCARE APPLIANCES AND IMPLEMENTS, SUPPORTERS AND BRACES, GENERAL MERCHANDISE, WIGS, AND HAIRPIECES, PERSONALIZED APPAREL, BLANKETS, AND REMEMBRANCES FOR INFANTS AND CHILDREN, GIFTS, AND MISCELLANEOUS HOUSEHOLD ITEMS, AND PROVIDING FINANCING AND CREDIT SERVICES FOR CONSUMER MEMBERSHIP PLANS