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Johny Fernandez: Last question
is what is an RTR?

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Sean Murray: What is an RTR?
Okay, you know actually haven't

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heard this term that frequently
in recent times, but what is an

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RTR? RTR stands for Right To
Receive and that is essentially

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the purchase amount in a
merchant cash advance so if you

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purchase 14,900 future
receivables then your RTR your

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right to receive is 14,900 as
you collect those receivables

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the RTR will go down so if you
collected 4,900 the RTR will go

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down from 14,900 down to say
10,000 you know what I mean? If

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you clutch at 4,900 so the RTR
is the outstanding purchase

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amount that is still due to you.