MONKEY SHINE - FDD UFOC ITEM 10 Detail

ITEM 10 FINANCING

We intend to seek approval for our franchisees to be eligible for expedited and streamlined Small Business Administration ("SBA") loan processing through the SBA''s Franchise Registration Program. See www.franchiseregistry.com.

Neither we nor any agent or affiliate currently offer, directly or indirectly, any financing arrangements to you, nor do we guarantee any lease or other obligations for you. We may, however, recommend a third party lender to you. We do not receive any benefit, monetary or otherwise, from any recommended lender. We cannot estimate whether you will be able to obtain financing for any part or all of your investment and, if so, the terms of the financing, which will depend on your credit worthiness and other characteristics. We do not have any past or present practice or intention to sell, assign or discount to any third party, in whole or in part, any note, contract or other instrument signed by you.