1. Automated Payment System

2. Benefits There is minimal training needed No expensive equipment necessary You can maintain your existing banking relationship - - no need to change! Save on NSF banking fees or re-depositing costs Gain better control of your money Clear returned checks faster Customer friendly Very low transaction fees compared to banks’ NSF check service fees

3. About Us  Started in 1996 by individuals with the desire to make the ACH Payment Network more user friendly and efficient.  Process tens of thousands of transactions per day  Member of NACHA, American Collectors Assoc. Team Current

4. Our Network  ENCRYPTION SECURE  STATE OF THE ART TECHNOLOGY  VIRUS PROTECTION  DATA STORAGE  FIREWALLS

5. The EFT System  It’s a new internet based check recovery system used to collect funds against Insufficient Funds paper checks. ACH NSF The System Important Facts Secure - uses 128 Bit Encryption User Friendly Able to process Unlimited transactions

6. Features More control of your finances. Receive your payments on time, all the time. View transaction status on-line, no more bank statements or paper checks in the mail. Guaranteed results.. No risks involved Concise reporting on-line in real time Transactions easily re-submitted for payment. Add, Edit or Delete payment information on-line

7. NSFdeposit.com Homepage  Go to your browser and access the web-site www.NSFdeposit.com  Click on the ‘Customer Login’ link on the left navigation

8. Logging In Enter the secure member’s only fields User Name Password Click ‘Log In’ Member Login

9. Navigation Navigation Menu System Main Navigation Important Messages

10. Click to Enter Automated Payment System Main Menu Navigation  User Manager – Add, Change or Delete a user name or password  Results – view settled files  Combine Re-submit system – re-submit multiple files at once, in a single file  Daily Returns – view returned transactions spanning all files received on a given day or date range  List uploaded files – view uploaded files  Search Transactions – look up a specific transaction  View uploaded files – view or re-print a file previously uploaded  Customer System – look-up information or transaction data that your customer has processed  Fax Report – reprint reversal reports or billing faxed to you  Routing Number – look-up ABA/ Routing Numbers by name or ABA number

11. Automated Payment Main Menu Begin Processing  Once you select the Automated Payments option you will presented with the Main Menu.  The Main Menu supplies you with all options available in our Automated Payment System.  Select the Data Entry option, this will enable you to enter in customer information and set up payment schedules.

12. Customer Profile Payment Schedule

13.  Customer Name  Address  City, State, Zip Code  Phone Number  File Code  Bank Routing # Customer Information  Enter client info once or upload it!

14. Payment Schedule  One-time or multiple one-time transactions  Weekly or alternating weekly transactions  Monthly- once or twice a month  Bi-Annual and  Annual transactions

15. Confirm & Create Batches Confirmation  One-time or multiple one-time transactions  Weekly or alternating weekly transactions  Monthly- once or twice a month  Bi-Annual and  Annual transactions Create Batches  Types of transactions  Choose start/end dates

16. Results  View a listing of all your files ‘pending’  Includes.. File Date, Name and Time Batches  Click on the file name to view the items in your batch file

17. Why Use EFT System ?  Improved receivables by as much as 37%  Access your files anytime, anywhere  Increased organization and control, less paper record keeping  Offers convenience and security with 128 bit encryption technology, unique user ID and password  No additional equipment to purchase  No expensive software for you to buy  No special training for your merchant  Images are stored for you or your merchant and are available 24/7

18. Summary  Automated On-line Payment System The EFT Payment System  Process transactions for multiple companies  Unique file identifier for each company  Secure encryption technology  More versatile than our PC based system  Enables clients to create new revenue stream in transaction processing and recovery

19. NSFdeposit.com, Where Good Things Happen to Bad Checks.