Exhibit 10.12 [LOGO] Direct Card Services, LLC. Approved Sales Program Agreement THIS AGREEMENT dated January 5, 2004 ("Effective Date") is made by and between Optimum Pay, Inc., a Delaware corporation, whose address is 18301 Von Karman Avenue,...Approved Sales Program Agreement • April 30th, 2004 • Direct Response Financial Services Inc • Services-business services, nec • California
