Exhibit 10.37
 
CREDIT CASH, LLC
PURCHASE AGREEMENT NO. 09

This Purchase Agreement ("Agreement") is made and entered into as of the 17th
day of January 2008 by and among CREDIT CASH, LLC, a Delaware limited liability
company with an office located at 505 Park Ave., 6th Floor, New York, NY 10022
(the "Company") and ALL AMERICAN PLAZAS, INC. a Delaware company with an office
located at 2210 Camp Swatara Road, Myerstown, PA 17067 (the "Merchant").

PURCHASE AND SALE OF FUTURE RECEIVABLES
 
 

Purchase Price:   $600,000.00;  Collection Amount:  The Purchase Price, plus 2%
fee (i.e., $12,000), plus interest calculated at the Interest Rate, plus Costs
and Expenses 

 
The Company purchases from the Merchant, and the Merchant hereby sells, assigns
and transfers to the Company, effective upon payment by the Company to the
Merchant of the Purchase Price specified above, all of Merchant's interest in
each of its future credit card receivables arising from the sale of goods to
customers located in the United States (the "Future Receivables") due to
Merchant from its credit card processor (together with any successor, the
"Processor"). Merchant (i) agrees to enter into an agreement with Processor
acceptable to the Company to obtain credit and processing services (the
"Processor Agreement") and (ii) hereby authorizes Processor, through the
execution of Irrevocable Payment Instructions, to pay to the Company all of the
cash attributable to the Merchant under the Processor Agreement; provided,
however, that the Company agrees to remit to Merchant, 85% of the cash received
from the Processor and the Company may retain 15% (the "Payment Percentage") of
the of the cash received from the Processor to be applied to the Collection
Amount until the cash payments applied by the Company equal to the Collection
Amount; provided, further, that if the Company, in its reasonable judgment,
deems that it is insecure at any time in the timely payment of the Collection
Amount on the basis of the then current Payment Percentage, regardless of
whether an Event of Default has occurred, Merchant agrees that the Company may
increase the Payment Percentage from time to time to assure timely payment of
the Collection Amount by retaining a greater percentage of the cash received
from the Processor. Notwithstanding the foregoing, Merchant shall, at all times,
be jointly and severally be liable for the repayment of all of the obligations
hereunder and under any other agreement between the Company and any Merchant.
Merchant represents that it has good and marketable title to the Future
Receivables, free and clear of all liens and encumbrances, other than any
security interest granted to the Processor and any financial institution
("Bank") pursuant to the Processor Agreement. Merchant shall be responsible to
Processor and the Bank for all credit card transactions returned to Processor
and Bank for any reason, and the Company shall not be obligated to return any
portion (or all) of the Collection Amount received by the Company to any person
or entity, including, without limitation, Processor or Bank.
 

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Interest shall be charged to Merchant by the Company at the per annum rate equal
to the highest prime rate (the "Prime Rate") in effect during each month as
generally reported by Citibank, N.A. plus 3.75% (the "Interest Rate"), but the
Interest Rate shall never be less than 12% nor more than 24% per annum or the
maximum permitted by law. The Interest Rate shall be calculated based on a three
hundred sixty (360) day year for the actual number of days elapsed and shall be
charged to Merchant on the daily balance of all outstanding obligations.

In computing interest on the obligations of Merchant to the Company, all checks,
wire transfers and other items of payment received by the Company (including
payment of the obligations in full) shall be deemed applied by the Company on
the day such payment is received or, if received after 2pm New York, NY time,
the next business day. However, the Company shall be entitled to charge the
Merchant's account one (1) business day of "clearance" or "float" at the
Interest Rate set forth above, on all checks, wire transfers and other items
received by the Company, regardless of whether such one (1) business day of
clearance or float actually occur, and such charge shall be deemed to be the
equivalent of charging one (1) business day of interest on such payments and/or
collections. The one (1) business day clearance or float charge on all payments
and collections is acknowledged by the parties to constitute an integral aspect
of the pricing of the Company's financing to Merchant. The Company shall not,
however, be required to credit Merchant's account for the amount of any item of
payment which is unsatisfactory to the Company, in the Company's reasonable
business discretion, and the Company may charge Merchant's loan account for the
amount of any item of payment which is returned to the Company unpaid.

In no event shall the Interest Rate exceed the highest rate permitted under any
applicable law or regulation. If any part or provision of this Agreement is in
contravention of any such law or regulation, such part or provision shall be
deemed amended to conform thereto, and any payments of interest made in excess
of such highest rate permitted, if any, shall be deemed to be payments of
principal obligations, to the extent of such excess.

This Agreement is in addition to and supplements all previous Purchase
Agreements, between Merchant and Credit Cash, LLC, each of which remains valid
and effective. Merchant hereby confirms that the balance of all outstanding
loans made to Merchant, as of January 16, 2008, amounts to $812,780.72, plus
accrued interest.

The Merchant understands and agrees that all loans and advances by the Company
to Merchant under this Agreement, all other Purchase Agreements, and any other
related agreements, constitute one loan, and all indebtedness and obligations of
Merchant to the Company under this Agreement and all other Purchase Agreements,
and related agreements, present and future, constitute one general obligation
secured by the Collateral and security held and to be held by the Company
hereunder and by virtue of all other agreements between Merchant (and all
guarantors) and the Company now and hereafter existing. It is distinctly
understood and agreed that all of the rights of the Company contained in this
Agreement shall likewise apply insofar as applicable to any modification of or
supplement to this Agreement and to any other agreements, present and future,
between the Company and Merchant.
 

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The parties hereby agree to the additional terms set forth below including, but
not limited to, covenants to operate the Merchant's business in the ordinary
course and prohibiting changes in credit card processors or arrangements and
diversions of the Merchant's credit card transactions to another processor or to
another credit card network or association.
 
1.    Representations and Warranties of Merchant. Merchant represents and
warrants to the Company as follows: (a) all of the information provided by the
Merchant to the Company pursuant to this Agreement and otherwise is true,
correct and complete in all respects; (b) Merchant has full power and authority
to enter into this Agreement and to perform the transactions contemplated
hereby; (c) if an entity, (i) Merchant is duly incorporated/formed/organized,
validly existing and in good standing under the laws of the jurisdiction of its
incorporation/formation/organization, and (ii) Merchant has full
corporate/partnership/limited liability company power and authority to enter
into this Agreement and perform the transactions contemplated hereby; (d)
Merchant is duly qualified to do business in each jurisdiction in which it
conducts its business; (e) this Agreement is the legal and valid obligation of
Merchant, enforceable against Merchant in accordance with its terms; (f)
Merchant is solvent, has not made an assignment for the benefit of creditors or
filed in any court, pursuant to any statute of the United States or any state, a
petition for bankruptcy or insolvency, or filed for reorganization or for the
appointment of a receiver or trustee of all or a material portion of its
property, and Merchant does not have reason to believe any involuntary
bankruptcy action or order will be filed with respect to Merchant; (g) all
amounts are due with respect to all Future Receivables are due in United States
Dollars; (h) any taxes or fees relating to the Future Receivables or goods or
services sold by Merchant are solely Merchant's responsibility; and (i) the
historical credit card receivable data provided by Merchant to the Company does
not represent sales to any subsidiary, affiliate or parent company.

2.    Covenants of Merchant. Merchant hereby covenants and agrees as follows:
(a) to conduct its business and use the Purchase Price in the ordinary course of
business consistent with past practice; (b) to exclusively use the Processor to
process all of its credit card transactions; (c) not to take any action to
discourage the use of credit cards or to permit any event to occur which could
have an adverse effect on the use, acceptance or authorization of credit cards
for the purchase of Merchant's services and products; (d) not to change its
arrangements with Processor without the prior written consent of the Company;
(e) not to permit any event to occur that could cause a diversion of any of
Merchant's credit card transactions to another credit card network or
associations; (f) to  another credit card network or association; (f) to comply
with all of the terms and conditions imposed by the Processor and/or Bank,
including, without limitation, pursuant to the Processor Agreement; (g) to
provide the Company with at least 10 days' prior written notice of any event
which would cause any of the information provided by Merchant to the Company in
this Agreement, in the Merchant Information Sheet or otherwise to be untrue,
incorrect or incomplete in any respect; (h) not to grant any lien on or security
interest in, or sell; assign transfer, pledge or otherwise dispose of, any
Future Receivables; (i) to comply with all laws, rules and regulations
applicable to Merchant; and (j) not to sell, assign, assign, transfer, pledge or
otherwise dispose of all or a substantial portion of its business or assets. In
addition, Merchant covenants and agrees that each Future Receivable will (i) be
based upon a bona fide sale and delivery of inventory or rendition of services
made by Merchant in the ordinary course of business and (ii) represent a payment
obligation for goods or services accepted by Merchant's customer of which such
customer is obligated to pay the full amount without dispute, claim, offset,
defense, deduction, rejection, recoupment, counterclaim or contra account.
 
3.    Credit Investigation. Merchant hereby authorizes the Company and its
agents and employees to investigate any references or any other statements of
data provided by the Merchant or obtained from or about the Merchant for
purposes of this Agreement.
 
4.    Security Interests. As security for the prompt performance, observance and
payment in full of all obligations of Merchant to Company hereunder and under
any and all other agreements between Merchant and Company, Merchant hereby
continues to pledge, assign, transfer and grant to Company a first priority
security interest in, and continuing lien upon, and right of setoff against, all
of Merchant's Accounts, including but not limited to, Accounts arising from
Merchant's sales that are, or will be paid by the use of credit cards or charge
cards, debit cards or other types of bank cards, whether now existing or
hereafter created or acquired and wherever located (defined herein as Future
Receivables), and the contract rights, general intangibles and Proceeds thereof;
all of Merchant's interest in all Processor Agreements and all of Merchant's
rights to the Proceeds and payments due to Merchant under all Processor
Agreements; Merchant's interest in all Deposit Accounts, all whether now
existing or hereafter arising or created and wherever located, and all Proceeds
 

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(including cash and non-cash proceeds) of any and all of the foregoing; all or
Merchant's books, Records and all other evidences of the foregoing; and all
renewals, substitutions and replacements of any and all of the foregoing. In
addition to the foregoing, Merchant also continues to grant to the Company, a
first priority security interest in, and continuing lien upon, and right of
setoff against, all of the assets of every kind and nature of Merchant, in each
case, whether now owned or existing or hereafter created, acquired or arising
and wherever located, including but not limited to, the following assets: (a)
Accounts, contract rights and the proceeds thereof; (b) Chattel Paper, including
Electronic Chattel Paper and tangible Chattel Paper; (c) General Intangibles,
including but not limited to patents, trademarks and tradenames and the goodwill
and inherent value associated therewith, tax refunds, customer lists, insurance
claims and goodwill of Merchant; (e) Instruments; (f) Proceeds, including Cash
Proceeds and Non-Cash Proceeds, and proceeds of any insurance policies covering
any of the Collateral; (g) Promissory Notes; (h) Records, including all books,
records and other property at any time evidencing or relating to any of the
foregoing, and all electronic means of storing such Records; (i) to the extent
not otherwise included above, all collateral support and Supporting Obligations
relating to any of the foregoing; and (j) to the extent not otherwise included
above, all Proceeds, products, accessions, rents and profits of or in respect of
any of the foregoing. All of the foregoing assets described in this Section 4
shall collectively be referred to as the "Collateral" and all capitalized terms
in this description that are not otherwise defined shall have the meanings given
to them under the Uniform Commercial Code as adopted by the State of New York
(the "UCC") and this Agreement shall constitute a security agreement under the
UCC. Merchant hereby authorizes the Company to file such financing statements as
the Company deems necessary to perfect the security interest granted by Merchant
herein.

5.    Termination. This Agreement shall terminate upon the indefeasible payment
in full of the Collection Amount by the Merchant to the Company.
 
6.    Events of Default. The occurrence of any of the following actions shall
constitute an "Event of Default" hereunder: (a) if Merchant shall fail to pay
the Company any amounts owing to the Company upon demand by the Company, (b)
Merchant makes any assignment for the benefit of creditors, or a proceeding is
commenced by or against Merchant under any bankruptcy, insolvency or similar law
seeking an order to adjudicate Merchant bankrupt or insolvent or other relief
with respect to Merchant's debts or seeking appointment of a receiver or similar
official for Merchant or any substantial part of Merchant's assets; (c) Merchant
becomes insolvent or admits in writing its inability to pay its debts as they
become due; (d) Merchant breaches any covenant and/or agreement set forth
herein; or (e) any representation or warranty of Merchant shall have been false
or misleading when made or at any time during the term of this Agreement.
 
7.    Remedies. Upon the occurrence of an Event of Default, the Company shall be
entitled to exercise all rights available to it at law or in equity. In
addition, upon the occurrence of an Event of Default, or if the Company believes
itself insecure for any reason, including without limitation, the Future
Receivables are less than Merchant's historical credit card receivables, the
Company shall have the right, upon written notice to Merchant and the Processor,
to unilaterally increase the Payment Percentage. Merchant hereby expressly
authorizes the Processor to pay any increased Payment Percentage of Future
Receivables to the Company upon receipt of such written notice. Furthermore,
after the occurrence of an Event of Default which is not waived by the Company,
the Company shall have all of the rights and remedies of a secured party under
Article 9 of the Uniform Commercial Code with respect to any other property or
Collateral in which the Company has a security interest. If notice of intended
disposition of any such property or Collateral is required by law, it is agreed
that five days notice constitutes reasonable notice. The net cash proceeds
resulting from the exercise of any of the foregoing rights, after deducting all
charges, costs and expenses (including reasonable attorneys' fees) will be
applied by the Company to the payment of the unpaid Collection Amount and any
other fees or amounts due from Merchant to the Company, in such order as the
Company may elect. Merchant remains liable to the Company for any deficiencies.
 

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8.    Indemnification. Merchant hereby agrees to jointly and severally
indemnify, defend and hold harmless the Company and its members, managers,
officers, employees and agents from and against any damage, claim, liability,
costs and expenses (including, without limitation, reasonable attorneys' fees)
incurred in connection with this Agreement. This Section 8 shall survive the
termination of this Agreement.
 
9.    Miscellaneous.
 
(a)    This Agreement, and all attendant documentation, as the same may be
amended from time to time, constitutes the entire agreement among the parties
with regard to the subject matter hereof, and supersedes any prior agreements or
understandings. This Agreement can be changed only by a writing signed by all
parties. The failure or delay of the Company in exercising any right hereunder
will not constitute a waiver thereof or bar the Company from exercising any of
its rights at any time.
 
(b)    This Agreement shall be governed and construed in accordance with the
laws of the State of New York, without regard to conflict of law provisions. The
parties agree to submit to the jurisdiction of the New York state courts or any
federal court sitting in the state of New York in the event of any dispute
hereunder. To the extent permitted by applicable law, each party hereby waives
any right to a trial by jury in any action or proceeding arising directly or
indirectly out of this Agreement or any other agreement or transaction among the
parties.
 
(c)    This Agreement binds and benefits each party and their respective
successors, heirs and assigns, provided, however, that Merchant may not assign
this Agreement or any rights hereunder without the prior written consent of the
Company.
 
(d)    If any provision of this Agreement is contrary to, prohibited by, or
deemed invalid under applicable laws or regulations, such provision will be
inapplicable and deemed omitted to such extent, but the remainder will not be
invalidated thereby and will be given effect so far as possible. Section
headings are for convenience only and are not controlling.
 
(e)    Any notice or other communication hereunder shall be made in writing and
deemed given (i) three days after being deposited in the U.S. mail, first class,
postage prepaid, or (ii) when delivered by a nationally recognized overnight
courier which provides confirmation of delivery, addressed to the Company at 505
Park Avenue, 6th Floor, New York, NY 10022, or to Merchant at the address set
forth in the Merchant Information Sheet. Any party may change its address to
which notice is sent hereunder by providing written notice to the other parties
in accordance herewith.
 
(f)    The Company may examine the books and records of Merchant relating to the
Future Receivables at any time during the term of this Agreement.

10.   (a)    "Costs and Expenses" shall include, but not be limited to
commissions, fees, internal and external field examination expenses for routine
and non-routine audits and field examinations, filing, recording and search
expenses, reasonable internal and external attorney's fees and disbursements (as
may be incurred with respect to the effectuation of this Agreement or any claim
of any nature or litigation whatsoever arising out of or as a result of the
interpretation of this Agreement or the financing provided for hereunder,
including, but not limited to, all fees and expenses for the service and filing
of papers, premiums on bonds and undertakings, fees of marshals, sheriffs,
custodians, auctioneers and others, travel expenses and all court costs and
collection charges), postage, wire transfer fees in the amount of $50.00 for
each wire transfer initiated by Company and/or for Company's services in wiring,
certifying or transferring funds; check dishonor fees and other internal and/or
external fees, costs and expenses arising out of or relating to the
negotiations, preparation, consummation, administration and enforcement of this
Agreement or any other agreement between Merchant and Company including, but not
limited to any guaranty of the obligations of Merchant.
 
(b)    In addition to the foregoing, Merchant shall be charged a one-time set up
fee of $N/A.

11.           DisbursingAgent. It is hereby acknowledged that the Company may
receive from the Processor cash attributable to Merchant and one or more of
Merchant's affiliates or subsidiaries or in a name other than Merchant that
Merchant uses as tradename, fictitious name, assumed name or other designation
(collectively referred to herein as "Tradenames"). Merchant expressly authorizes
the Company to receive all such cash on behalf of Merchant and to retain the
Payment Percentage for credit against the Merchant's obligations under this
Agreement.Merchant hereby represents and warrants to the Company that Merchant
has been appointed as the "Disbursing Agent" for all of Merchant's affiliates,
subsidiaries and Tradename entities and that it is in the best interest and
convenience of the Merchant that all loans and advances made by the Company
pursuant to this Agreement be made only to the Merchant, for itself and as
Disbursing Agent. Accordingly, the Merchant shall be the sole entity entitled to
receive the funds advanced by the Company under this Agreement and the Merchant
shall make disbursements to its affiliates, subsidiaries and Tradename entities
in Mechant's discretion. All of the monies received by the Company will be
credited by
 

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the Company to the Merchant's account and the Company shall remit all monies
pursuant to this Agreement and the Irrevocable Payment Instructions only to the
Merchant. The Merchant, for itself and as Disbursing Agent, hereby irrevocably
waives any claim it may have against the Company and hereby indemnifies and
holds the Company harmless from and against all damages, losses, claims,
demands, liabilities, obligations, actions and causes of action whatsoever which
Merchant or any of Merchant's affiliates, subsidiary or Tradename entities may
have against the Company which may arise as a result of the Company remitting
all monies under this Agreement solely to the Merchant, for itself and as
Disbursing Agent, and/or the Payment Percentage being credited by the Company
solely the Disbursing Agent's account with the Company.
 
12.    Charges to Merchant's Account. All fees, interest, commissions, charges,
Costs and Expenses incurred with or in respect of this Agreement, or any
supplement or amendment hereto (all of which shall be cumulative and not
exclusive) shall be charged to Merchant's account as maintained by Company. In
furtherance thereof, Merchant hereby authorizes Company to charge the Merchant's
account maintained by Company: (a) all Costs and Expenses and (b) all fees,
interest and other charges provided in this Agreement and further authorizes the
Company to pay all such charges by deducting the amounts from the Purchase Price
and/or from the Merchant's portion of the cash proceeds received by the Company
from the Processor that would otherwise remitted to Merchant.
 
13.    The Company shall render to Merchant a monthly statement of its account
which statement shall be deemed correct, accepted by, and conclusively binding
upon Merchant as an account stated, except to the extent that Merchant shall
deliver to the Company written notice of any specific exceptions thereto within
twenty (20) days after the date such statement is rendered.
 
The undersigned, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, have executed this Agreement as of
the latest date set forth below, intending to be legally bound.

This Agreement may be executed in any number of counterparts (whether facsimile
or original), each of which shall be deemed an original as to the party whose
signature appears thereon and all of which together shall constitute one and the
same instrument. An executed facsimile of this Agreement shall be deemed a valid
and binding agreement between the parties hereto.
 
 

CREDIT CASH, LLC          ALL AMERICAN PLAZAS, INC.          By:      /s/ Dean
Landis                                          By:       /s/ Richard A.
Mitstifer                                       Name: Dean Landis    Name: 
Richard A. Mitstifer  Title:   President  Title:    President 

 
 
notary page follows
 
 

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STATE OF NEW YORK                )
                                                           )ss.:
COUNTY OF NEW YORK            )
 
 
On this 18th day of January 2008 before me personally appeared Dean Landis
personally known to me or proved to me on the basis of satisfactory evidence to
be the individual whose name is subscribed to the within instrument and
acknowledged to me that he/she is the Managing Member and president of CREDIT
CASH LLC, the company herein described and that he/she executed the same in
his/her capacity as an officer of said company, and that he/she signed the
instrument by order of the members of said company.
 

        /s/ James Ricchiuti                                       NOTARY PUBLIC 
     
JAMES RICCHIUTI 
  Notary Public - State of New York   
No. 02R16123649 
  Qualified in Westchester County    Commission Expires March 7, 2009

 
 
STATE OF Pennsylvania              )
                                                          )ss.:
COUNTY OF Berks                        )

 
On this 17th day of January 2008 before me personally appeared Richard
Mitstifer, personally known to me or proved to me on the basis of satisfactory
evidence to be the individual whose name is subscribed to the within instrument
and acknowledged to me that he/she is the President of ALL AMERICAN PLAZAS,
INC., the corporation herein described and that he/she executed the same in
his/her capacity as an officer of said corporation, and that he/she signed the
instrument by order of the board of directors of said corporation.
 
 

        /s/ Sherry Bender                                           NOTARY
PUBLIC       
COMMONWEALTH OF PENNSYLVANIA 
 
Notarial Seal
 
Sherry Bender, Notary Public 
 
Bethel Twp., Berks County
 
My Commission Expires May 13, 2011
  Member, Pennsylvania Association of NotariesCommission Expires March 7, 2009