1. Secure Payment Systems Retail PayDay Bird Dog Systems©

2. SECURE PAYMENT SYSTEMS WAS FOUNDED IN LATE 1996 BY LINDEN (LIN) ELLERMAN.
AN ENTREPRENEUR WITH OVER 20 YEARS OF EXPERIENCE IN TRANSACTION PROCESSING, RISK MANAGEMENT AND COLLECTIONS.

3. HE IS NATIONALLY RECOGNIZED AS ONE OF
HE IS NATIONALLY RECOGNIZED AS ONE OF THE LEADING CHECK SERVICES RISK MANAGEMENT EXPERTS.
AS PRESIDENT OF TELECREDIT SERVICE CORP AND THEN EQUIFAX CHECK SERVICES, (RE- NAMED CERTEGY CHECK SERVICES), HE HELPED DEVELOP MANY OF THE PROPRIETARY ALGORITHMS USED NATIONWIDE TODAY.

4. SPS SERVICES CHECK GUARANTEE CHECK CONVERSION WITH GUARANTEE
GIFT/LOYALTY CARD PROCESSING
WEB BASED ACH PROCESSING
WEB BASED REMOTE DEPOSIT CAPTURE (CHECK 21)
PREPAID DEBIT CARDS
COMING SOON-SELF STANDING CHECK CASHING KIOSK (WITH GUARANTEE)

5. RETAIL PAYDAY
WHAT IS IT?

6. RETAIL PAYDAY
HOLD CHECK FOR RETAILERS AND MOTOR VEHICLE DEALERS INCLUDING BOATS, MOTORCYCLES AND RV’S

7. SPS RETAIL “PAYDAY” FEATURE
90 DAYS SAME AS CASH
TAKE 2-4 CHECKS FOR AMOUNT OF PURCHASE AND LET CONSUMER S-T-R-E-T-C-H OUT THE PAYMENTS FOR UP TO 90 DAYS
CHECKS ARE COMPLETELY GUARANTEED BY SPS

8. RETAIL PAYDAY STANDARD RETAIL PAYDAY RETAIL PAYDAY EXPRESS
RETAIL PAYDAY EXPRESS PLUS

9. STANDARD RETAIL PAYDAY
MERCHANT TAKES UP TO 4 CHECKS
PUTS CHECKS INTO BANK ON AGREED UPON DATES
IF CHECK COMES BACK FOR ANY REASON SPS PAYS MERCHANT IN 14 DAYS

10. RETAIL PAYDAY EXPRESS OFFERS SAME ‘90 DAY SAME AS CASH’ CONVENIENCE
WE AUTOMATICALLY DEBIT THE CONSUMER’S BANK ACCOUNT AT 30, 60,90 DAYS FROM ORIGINAL DATE
SEND FUNDS DIRECTLY TO MERCHANT’S BANK ACCOUNT-ELECTRONICALLY!

11. RETAIL PAYDAY EXPRESS NO MORE TRIPS TO THE BANK TO DEPOSIT THE CHECKS
NO MORE BAD CHECK SERVICE CHARGES FROM BANK
NO MORE MAILING PHYSICAL CHECK TO US FOR REIMBURSEMENT.

12. RETAIL PAYDAY EXPRESS PLUS
NO OTHER COMPANY PROVIDES SERVICE
SAME ‘90 DAYS SAME AS CASH’ OPTION FOR CUSTOMER
MERCHANT IS PAID IN ADVANCE.
CONSUMER HAS ACCOUNT DEBITED OVER THE 90 DAY PERIOD .

13. RETAIL ‘PAYDAY’ TARGET MARKET

14. RETAIL ‘PAYDAY’ TARGET MARKET
ANY HOMEOWNER BASED PURCHASE,
DRAPERIES, CARPETING, FLOORING, AIR CONDITIONING, PLUMBING, ETC.
AUTOMOTIVE REPAIR
TIRES, BRAKES, TRANSMISSION, ETC.
EMERGENCY SERVICES
VETERINARY CLINICS
DOCTORS, DENTISTS

15. RETAIL ‘PAYDAY’ TARGET MARKET
FURNITURE STORES
SPORTING GOODS AND ASSOCIATED PRODUCTS
CAMPING GEAR
SKI AND SNOW BOARD SUPPLIES
GOLFING GEAR

16. RETAIL ‘PAYDAY’ TARGET MARKET
GUNS AND AMMO
COMPUTERS
CALL IF YOU HAVE A MERCHANT THAT MAY QUALIFY

17. RETAIL PAYDAY
HOW DO I SELL IT?

18. HOW DO I SELL IT?
ALTERNATIVE TO EXISTING FINANCING OPTIONS THAT ARE EXPERIENCING HIGHER THAN NORMAL DECLINES
NO CREDIT APPLICATIONS
NO FINANCE CHARGES TO CUSTOMER, BUT MERCHANT CAN CHARGE A SERVICE FEE IF THEY SO CHOOSE

19. HOW DO I SELL IT?
DESIGNED TO GENERATE MORE SALES FROM CUSTOMERS THAT OTHERWISE MAY NOT AFFORD THE PRODUCT OR SERVICE
IN THIS ECONOMY EVERY SALE IS EXTREMELY PRECIOUS

20. HOW DO I SELL IT?
DESIGNED TO GIVE OPTIONS TO CONSUMERS IN DIRE SITUATIONS
CREATES A WIN/WIN FOR MERCHANTS AND CUSTOMERS
TURNS A NO INTO A YES FOR MERCHANTS THAT OTHERWISE WOULD NOT HAVE ANOTHER OPTION

21. HOW DOES IT WORK CUSTOMER WRITES 4 CHECKS FOR UP TO $1500
FIRST CHECK MUST EQUAL 1/3 OF THE AMOUNT OF PURCHASE
ALL CHECKS ARE DATED FOR TODAY (NO POST DATED CHECKS)

22. HOW DOES IT WORK?
MERCHANT AND CUSTOMER FILL OUT AND SIGN RETAIL PAYDAY SECURITY AGREEMENT
MERCHANT CALLS SPS FOR APPROVAL
UPON APPROVAL MERCHANT PUTS CHECKS AND SECURITY AGREEMENT THROUGH IMAGER

23. HOW DOES IT WORK?
ONCE COMPLETE CUSTOMER GETS DEBITED 30, 60, 90 DAYS FROM DATE
MERCHANT IS PAID BY SPS IN ABOUT 2-3 BUSINESS DAYS

24. IMPORTANT POINTS
THIS WILL OPEN DOORS FOR YOU TO MERCHANTS THAT OTHERWISE WOULD NOT GIVE YOU THE TIME OF DAY
THIS IS NOT MAGIC…THERE WILL BE TURNDOWNS OF MERCHANTS AND CONSUMERS
CUSTOMER APPROVALS ARE GOING TO BE LOWER THAN YOU THINK…FOR MOST MERCHANTS IT SHOULD BE AROUND 60+%

25. IMPORTANT POINTS
TARGET MARKET LIST IS IMPORTANT, BUT WE DO MAKE EXCEPTIONS ON CERTAIN MERCHANTS, SO DO NOT HESITATE TO ASK
DISCRETIONARY PURCHASES I.E. JEWELRY, ELECTRONICS, CLOTHING, AND THINGS THAT ARE BASED ON WANT OTHER THAN NEED WILL NOT BE APPROVED
CALL IF YOU HAVE DOUBTS