1. Copyright © 2009 Secure Payment Systems, Inc. All Rights Reserved. Electronically Process and Deposit Physical Checks Web-Based Accounts Receivable Conversion (ARC) / Check 21 Solution

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

3. 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! Industry Fact

4. Understanding Check 21 *Magnetic Ink Characters at the bottom of every check 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

5. expresscheck21 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

6. 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 Key Features & Functionality

7. 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 Benefits

8. Scanners Supported Currently Digital Check TS - 350 Digital Check TS – 230/65 Magtek Imager 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 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 *NEW* 2. Digital Check CX-30 *NEW* - Accepts 1 check at at time; 500 checks/day - Images both sides in 1 pass; Endorsement Digital Check CX-30

9. Consumer Items Non-consumer Items + expresscheck21 Process 1. The merchant logs on to the expresscheck21 site using a secure login and password and scans the checks to be deposited. 2. The scanned images of the checks are saved on the expresscheck21 site. Once the merchant batches out, these electronic check images are sent for processing. +

10. Consumers Bank Merchants Bank expresscheck21 Process Contd … 3. The check writers account is debited and the merchants bank account is credited. Merchant has funds within 48 business hours* - eliminating a trip to the bank. 4. Files can be saved and uploaded to the merchants accounts receivable system. * 24 hour funds availability at a minimal surcharge.

11. Open your web browser & log on to: www.securepaymentsystems.com Click on expresscheck21 Website under Product Links Web Browser

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

13. 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

14. 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

15. Conclusion We are Committed to Providing Superior & Affordable ACH and Check Processing Solutions 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

16. 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 Getting Started