Ann: Quarterly Report (Appendix 4C), page-69

Thanks for the responses. So as a consumer I have a choice of Spt or apt. Both allow me to get the product now but pay later. The only difference is that one locks the total amount on my card and the other doesn’t. I think I know which one I would use. Unless there is something I’m missing.

As a vendor, I have a choice to offer two services. One puts the burden of all sales on me, like I’m a bank. IE I am funding all the stock for clients and it still costs me 1.5%, the other (apt) pays me immediately but costs me 5%.

I cannot imagine many businesses that can afford that type of cashflow setup.

Am I correct with the above assumptions?

thanks again.