Rebate Model There are several alternative programs in the marketplace that allow for consumers to have additional financial means. Some of these programs include phone card and Internet access products that give consumers a cash rebate. The programs offer a customer an option to buy a product. Then the customer agrees to purchase the product for a period of six months to a year at a price determined by the merchant. As a bonus for signing the contract, the customers get offered a cash bonus or rebate based on the quantity of products they purchase on a bi-weekly, semi-monthly, or monthly basis. The customer can use the immediate cash rebate for any type of financial need. The rebate programs are not considered loans. To further that point, it is clear that a merchant does not extend any form of credit so there is no “interest” payment nor can principal be reduced because there isn’t any. If at any time, the customer decides to terminate their contract, they simply pay the predetermined termination fee, and the contract is then null and void. TranDotCom Solutions offers a Module for processing rebates through its transaction system. We have also created an automated interface with PhoneCashUSA to further provide merchants a turnkey rebate solution.