JAN PRO - FDD UFOC ITEM 10 Detail

ITEM 10 FINANCING

The initial franchise fee is paid in full when you sign the Regional Master Franchise Agreement; however, we may, at our option, finance a portion of the initial franchise fee in excess of the minimum initial franchise fee of $75,000 to assist in the purchase of a Regional Master Franchise. We do not provide financing for the payment of the minimum initial franchise fee of $75,000. If we do provide financing, the amount financed will be payable in equal installments over a period of time that will generally range from 24 to 48 months depending upon your financial circumstances and your aptitude for the Franchised Business. You must sign a Promissory Note in our favor which will provide for payment of the amount due with interest at 10% per annum. Our Promissory Note is attached to the Regional Master Franchise Agreement as Attachment B. If you are a partnership, limited liability company or corporation, all of your partners, members or shareholders must personally guarantee payment of the Promissory Note. Our Guarantee is attached to the Regional Master Franchise Agreement as Attachment B. The Promissory Note is unsecured. We do not offer financing for''any other purpose. You may prepay the Promissory Note with no prepayment penalty. If you default under the Promissory Note or the Guarantee, or if you are in default under your Regional Master Franchise Agreement, we may demand immediate payment of all principal and interest due under the Promissory Note.

We do not receive direct or indirect payments for arranging financing. Commercial paper from franchisees has not been and is not sold or assigned to anyone and we have no plans to do so; however, we reserve the right to do so in the future. We do not arrange financing from other sources. We do not receive direct or indirect payments for placing financing. We do not guarantee your obligations to third parties.