1 Electronic Transaction Management Lower Risks Higher Profits Improved Customer Services

2 Ability to accept Credit Cards & Checks for payment of services Prevent Bad Check Losses Increase collections Reduce transaction overhead costs Speed transaction funding

3 Scanning of checks, debit cards & credit cards at all service counters using MagTek Check & Credit Card Reader / Imager Automatic verification of checks using Star ATM Network Automated electronic processing of verified checks and credit cards

4 Approved CHECKS are converted to Electronic Funds Transaction Transaction immediately transmitted to Bank for overnight processing Funds transferred to Bank usually within 24 hours Customer visits Client counter for transaction Agent runs CHECK or CREDIT CARD through MAGTEK Reader/Imager Image of CHECK or CREDIT CARD information appears on screen CHECK or CREDIT CARD information is transmitted over the Internet for processing CHECKS are verified by STAR NETWORK and by Negative Database CREDIT CARDS are processed Customer presents CHECK or CREDIT CARD for payment BAD CHECKS are deniedand returned to Customer Transaction is Terminated LIMITS LOSS TO CLIENT Funds are transferred to the Bank

5 Customer presents CHECK or CREDIT CARD for payment Agent runs CHECK or CREDIT CARD through MAGTEK Reader/Imager CREDIT CARDS are processed and funds transferred to the Bank Transaction is Terminated LIMITS LOSS TO CLIENT Bad Checks are denied and returned to Customer CHECK or CREDIT CARD information is transmitted over the Internet for processing Image of CHECK or CREDIT CARD information appears on screen CHECKS are verified by STAR NETWORK and by Negative Database Approved CHECKS are converted to Electronic Funds Transactions for overnight processing – Usually within 24 hours

6 Better customer service. Dramatic reduction of bad checks. Reduced losses from NSF checks. Negative database to prevent acceptance of checks from customers with unpaid checks. Improved and expedited cash flow through electronic funds transfers. Significantly lower operating costs. Works with your existing bank. Automatic recollection of NSF returned checks – NSF fees shared with Client