WebBased Accounts Receivable Conversion ARC Check 21 Solution

Business Opportunities § Checks deposited faster § Drastically reduces transaction fees § Sales tool for reselling

Industry Fact According to the Federal Reserve, as of September 11, 2006, approximately 17 percent of the checks or slightly over 6 million checks a day, were deposited via Check 21!

Understanding Check 21 § Allows conversion of any type of paper check to Substitute Check or Image Replacement Document (IRD) § It is applicable to ANY type of Check or instrument with a MICR* line § It does not require permission or notification of any kind *Magnetic Ink Characters at the bottom of every check

expresscheck 21 SM § Our popular web-based check 21 solution § Designed for businesses who accept consumer and non-consumer checks at their business location § Checks are scanned and electronically deposited in the back-office eliminating time consuming bank visits, saving on multiple register scanners, and reduced NSF fees

Key Features & Functionality § Web-based, convenient, secure, and easy to set-up § 24/7 online access to retrieve check images and payment status § Highly scalable to support any payment volume, from single users to large payment processing environments § Ability to accelerate check clearing by sending the check items directly to the Federal Reserve § Automatically captures the dollar amount on the check during scanning thereby reducing entry time and errors § Substantial savings on returned item fees

Benefits § Secure and easy to set-up (web-based) § Enables acceptance of all types of checks at the point-of-sale § Requires no check scanning equipment at the register § Simplifies and speeds up check handling & processing § Lowers the cost of payment processing § 24 -48 hour funds availability § Improves response time and accuracy § No more waiting in line at the bank § Promotes better customer service § Faster notification of returned items (3 -5 days vs 7 -10 days) § Facilitates better access, storage, retrieval, & distribution of checks § Enables consolidation of banking relationships for business locations § Substantial savings on returned items fees

Scanners Supported Currently High Volume Digital Check TS – 350 - Accepts 100 checks at a time; 60 -80 checks per minute - Images both sides of checks in 1 pass; Endorsement Digital Check TS - 350 Mid Volume Digital-Check TS – 230/65 - Accepts 25 checks at at time; 65 checks per minute - Images both sides in 1 pass; Endorsement Low Volume Scanners 1. Magtek MICRImage - Accepts 1 check at at time; 30 checks per day - Images each side per pass separately; No Endorsement 2. Digital Check CX-30 *NEW* - Accepts 1 check at at time; 500 checks/day - Images both sides in 1 pass; Endorsement Digital Check TS – 230/65 Magtek Imager Digital Check CX-30

expresscheck 21 Process 1. The merchant logs on to the expresscheck 21 site using a secure login and password and scans the checks to be deposited. + + Non-consumer Items Consumer Items 2. The scanned images of the checks are saved on the expresscheck 21 site. Once the merchant batches out, these electronic check images are sent for processing.

expresscheck 21 Process Contd… 3. The check writer’s account is debited and the merchant’s bank account is credited. Merchant has funds within 48 business hours* eliminating a trip to the bank. Consumers Bank Merchants Bank 4. Files can be saved and uploaded to the merchant’s accounts receivable system. *24 hour funds availability at a minimal surcharge.

Web Browser § Open your web browser & log on to: www. securepaymentsystems. com § Click on expresscheck 21 Website under “Product Links”

Customer Login § Enter your customer information in uppercase letters: - File Code - User Name - Password § Hit ENTER

Welcome Page § You can view important announcements and transaction cut-off times on the welcome page § You can also access the IRD or ARC System on the left to get started § Select IRD System to process all types of U. S. checks (consumer and non -consumer) and ARC System for consumer Checks only

Main Menu § The Main Menu on the IRD / ARC System offers various options including the ability to scan checks, process scanned checks and batch out § Select Scan Checks to begin processing checks

Conclusion § Easy-to-use solution utilizing a computer, check scanner, & internet access § Accepts all types of checks (consumer & non-consumer) § 24 -48 hour funds availability § 24/7 access to retrieve check images & authorization via secure website § Concise, real time reporting available on-line § Faster notification of returned items (3 -5 days vs. 7 -10 days) § Substantial savings on returned items fees We are Committed to Providing Superior & Affordable ACH and Check Processing Solutions

Getting Started Secure Payment Systems 10650 Scripps Ranch Blvd. Suite 109 San Diego, CA 92131 Tel: 1. 888. 313. 7842 Fax: 858. 549. 1323 www. securepaymentsystems. com Interested in a Web Demo? Call us or email: webdemo@securepaymentsystems. com