1. A ccounts R eceivable C onversion ARC Electronic Lockbox

2. What is ARC A solution that enables merchants to take advantage of check conversion with the payments they receive through the mail or drop box A solution that enables merchants to take advantage of check conversion with the payments they receive through the mail or drop box Provides ACH conversion of funds Provides ACH conversion of funds Designed for lower volume merchants Designed for lower volume merchants Merchant can process approximately 30-45 checks per hour Merchant can process approximately 30-45 checks per hour A NON-GUARANTEE program (merchant will only receive funds that GETI collects) A NON-GUARANTEE program (merchant will only receive funds that GETI collects)

3. Payments are gathered from mail or drop box

4. RDM ImagerPC with high speed internet access Specialized cable connects the imager to a PC with Internet connection

5. Logon to account on GETI web site

6. Home Page

7. Click “Scan Check”

8. RDM Imager PC with high speed internet access Scan the front and back of the check through the RDM imager while connected online

9. Image of check will appear on the web site …. Automatically populates account data….. Merchant inputs the amount of the check and any additional optional information and then submits it

10. Repeat this for each check

11. Access reporting through multiple query options

12. View Summary & Details of all transactions

13. View details on returned items

14. ARC Solution Benefits Reduced costs from handling paper checksReduced costs from handling paper checks Trips to bankTrips to bank Deposit slipsDeposit slips Deposit and NSF fees from local bankDeposit and NSF fees from local bank Lost checksLost checks Employees to handle the checksEmployees to handle the checks Maximize cash flowMaximize cash flow Know within 24-48 hours if funds have clearedKnow within 24-48 hours if funds have cleared Compared to the average 5-14 days it takes for paper checksCompared to the average 5-14 days it takes for paper checks

15. ARC Solution Benefits (cont.) ACH transactions take precedence over paper checks at the consumer’s bank ACH transactions take precedence over paper checks at the consumer’s bank Non-Sufficient Fund items can be automatically resubmitted electronically to attempt collection Non-Sufficient Fund items can be automatically resubmitted electronically to attempt collection Easy set-up; software downloads to the PC with easy-to-follow directions the first time the merchant logs on to the site Easy set-up; software downloads to the PC with easy-to-follow directions the first time the merchant logs on to the site