Sage Programs Check Jeff Bryson November 7, 2018

How to Qualify a Check Merchant Check Programs Online Reporting/EFT VT Check Agenda Organization ACH Stats How to Qualify a Check Merchant Check Programs Online Reporting/EFT VT Check Agent Site Merchant Application Resources Sage presentation 07 November 2018

ORGANIZATION Sage presentation November 7, 2018

Sage Introduction Corporate offices located in Ft. Walton Beach, FL In business since 1998 with a staff of over 70 employees 2,300 merchants boarded per month A leader in value added check and gift & loyalty solutions “Our #1 priority is never to jeopardize your bankcard merchant relationship.” Sage presentation 07 November 2018

History 2014 2006 Sage acquires Verus 2004 Verus acquired 1998 Founded 2004 Verus acquired 2006 Sage acquires Verus 2014 GETI brand & org change Sage presentation November 7, 2018

Operation Resellers Merchants Sage EFT eMagnus Technology Platform Product Development Technology & Systems Research & Development Resellers Merchants Sage EFT Merchant Underwriting & Activation Marketing eMagnus Technology Platform Merchant Support Business Development Risk Management Sales Support 07 November 2018

ACH STATS – 2015 The Evolution of Checks Total ACH Volume increases 5.6 percent 19.3 Billion transactions processed worth over $42 Trillion 2015 WEB transactions increased by 12.81% 2015 ACH Debit transactions increases Personal Account Debits (PPD) increased by 4.22% Corporate Account Debits (CCD) increase by 9.59% Source: NACHA – The Electronic Payments Association Stats doesn’t include on-us volumes. WEB = 4,065,441,536 PPD = 3,564,402,091 CCD = 950,361,077 Overall ACH Volume more than 24 billion. (includes on-us and direct-send volume) Sage presentation 07 November 2018

How to Qualify a Check Merchant Identifying Potential Opportunities Prior to contact, have a general understanding of the merchant’s business model Question 1: Identify any payment related issues. Question 2: How are checks currently accepted? Question 3: Confirm the check types. Question 4: Uncover the average and largest ticket sizes. Sage presentation November 7, 2018

Point-of-Sale Conversion Guarantee & Non-Guarantee Retail Environment / Personal Checks Business Check Restrictions Funded on returned checks Merchant Receipt Requirements Signature, Legible Printed Name, and Phone# Funds in 3 Business Days What is it? Instant authorization at the point of sale for face-to-face transactions. Check funds are electronically deposited into bank account. Sage presentation November 7, 2018

Point-of-Sale Conversion Who can use this? Dry Cleaners Nail Salons Auto Parts/Repair Grocery Stores Car Wash Retail Store Merchant Types Any type of retail environment accepting personal checks. Sage presentation November 7, 2018

Point-of-Sale Conversion Selling Points Electronic Conversion - Skip the trips to the bank! Eliminates the bank’s return item fees Guarantee on checks Electronic Reporting Sage presentation November 7, 2018

Check 21 Check 21 POS Face-to-Face Guarantee options available Check 21 REMOTE Consumer-Not-Present What is it? Check 21, also referred to as Remote Deposit Capture (RDC), allows merchants the ability to accept any type of check, in a point of sale or consumer-not-present environment. Sage presentation November 7, 2018

Check 21 Features Electronically process any type of check Transaction Processing Options Terminals VT Guarantee Personal and Business Checks No ACH Restrictions Funding within 3 business days Sage presentation November 7, 2018

Check 21 Who can use this? Medical Property Management Retail Utilities Education Insurance Merchant Types Any merchant that has a need to process physical checks. Sage presentation November 7, 2018

Check 21 Selling Points Electronically process any type of check Eliminates the bank’s return item fees Guarantee and Verification on transactions Full and quick funding on large transaction amounts Electronic Reporting Sage presentation November 7, 2018

ACH Debit Single ACH Debit One time debit Recurring ACH Debit Schedule automatic debits Verification Multiple options available Guarantee Available for Single ACH only ACH Credits Employee payroll and vendor/client payments Sage presentation 07 November 2018

ACH Debit Features Personal and Business Checks Authorization Forms Transaction Processing Options VT Certified 3rd party software options API integration and File processing Default 7 business day funding Sage presentation November 7, 2018

ACH Debit Who can use this? Medical Property Management Non-Profits Utilities Memberships Insurance Merchant Types Any merchant that has a need to process one-time and recurring transactions without a physical check. Sage presentation November 7, 2018

ACH Debit Selling Points Simplify check acceptance Eliminates the bank’s return item fees Guarantee and Verification on transactions Consumer Convenience Fee Electronic Reporting Sage presentation November 7, 2018

Checks-By-Phone Payments over the phone Guarantee Check protection on returned checks Verification Multiple options to authenticate transactions Recording Service Use existing service or our provided hosted voice authorization recording service Sage presentation 07 November 2018

Checks-By-Phone Features Personal Checks Only Recorded Verbal Authorization or Authorization Form Transaction Processing Options VT Certified 3rd party software options API integration and File processing Default 7 business day funding Sage presentation November 7, 2018

Checks-By-Phone Who can use this? Bill Payment and Collections Insurance Utilities Call Centers Merchant Types Any merchant that has a need to accept payments during a phone call. Sage presentation November 7, 2018

Checks-By-Phone Selling Points Easily take checks over the phone Eliminates the bank’s return item fees Guarantee and Verification on transactions Consumer Convenience Fee Electronic Reporting Sage presentation November 7, 2018

Checks-By-Web Online Payments eCommerce Designed for merchants selling goods Bill Pay Merchant provides service and has a consumer agreement Verification Option Multiple databases and fraud detections systems Sage presentation 07 November 2018

Checks-By-Web Features eCommerce $1000 default max check limit Default 7 business day funding Bill Pay Check limit determined by industry type Default 3 business day funding Multiple ways to connect Certified Gateway Software, File Processing, & Integrated API Sage presentation November 7, 2018

Checks-By-Web Who can use this? Education/Schools Non-Profits Insurance Utilities Property Management eCommerce sites Merchant Types Any merchant that has a need to accept payments via a website. Sage presentation November 7, 2018

Checks-By-Web Selling Points Increase sales with website payment acceptance Eliminates the bank’s return item fees Fraud detection via transaction verifications Electronic Reporting Consumer Convenience Fee Sage presentation November 7, 2018

Top 10 Merchant Types Selling Points Ranking TEL - Checks by Phone WEB - Checks by Web CCD & PPD – ACH Debit POP – POS Conversion RDC – Check21+ (POS & Remote) 1 Financing / Debt Collection School Auto Repair 2 Auto Warranty / Extended Warranty Fitness/Spa/Gym Physicians Convenience Stores 3 Municipalities / Utility Computers & Software(retail only) Hospitals/Clinics Building Materials 4 Advertising / Marketing General Merchandise Restaurants Legal Services 5 Health Food Stores Charities/Donations/Religious Organizations Dental 6 Recreational Grocery/Supermarket 7 Insurance Agency Accounting Firms Veterinary Clinics/Hospitals Contractors 8 9 Computer & Software Advertising/Marketing Clothing Craft Shop 10 Security and Alarms Childcare/Daycare/Preschool Auto Parts Stores Selling Points Electronic Conversion - Skip the trips to the bank! Eliminates the bank’s return item fees Guarantee on checks Electronic Reporting SE Compatibility (Plug-in) Sage presentation November 7, 2018

Equipment Options Hardware and Gateway Most POS Terminals manufactures Multiple Check Readers and Imagers Multiple 3rd party software “Compatibility” section of the agent sites Sage presentation 07 November 2018

Online Reporting Website www.myonlinereports.com Free To All Merchants Multiple Processing Reports Types Exportable Reports Transaction Module (VT) can be added Cost may apply Sage presentation November 7, 2018

Check Agent Site www.checktraining.com/nationwideps Sage presentation November 7, 2018

Merchant Applications Sage presentation November 7, 2018

Contact Information Merchant Admin/Underwriting Phone: 1-866-686-1866 Email: merchantadmin@eftsupport.com Fax: 1-855-738-5013 Sales Support Department Phone: 1-866-307-1627 Email: sales@eftsupport.com Gift and Loyalty Department Phone: 1-888-884-7171 Email: sales@giftcardtraining.com Above Dept. Hours: Mon – Fri 8am – 5pm CST Customer Service Department Phone: 1-888-481-0757 Email: customersupport@eftsupport.com Hours: Mon – Fri 8am – 6pm CST Technical Support Department Phone: 1-877-438-3249 Email: techsupport@eftsupport.com Hours: 24/7 Sage presentation 07 November 2018