Copyright © 2005 EFT Network, Inc. All Rights Reserved. Automated Recurring Payments Flexible Payment Solution

Billing Made Simple EFT Network’s easy-to-use Automated Recurring Payments replaces the traditional method of billing and collection by offering your customers flexible payment options to pay a debt, utilizing regularly scheduled recurring payments, which are debited from their checking or savings account.  Reduce past due accounts and the time and costs to print and mail invoices  Electronically receive and deposit payments  Eliminate the expense of lost revenue due to delinquent accounts 1

Key Features  Complimentary use of our software without the need to purchase additional equipment  24/7 access to your account via our secure website  Seamlessly upload detailed paid data file to your accounts receivable system  User – friendly interface, requiring only internet access  Returned transactions easily re-submitted for payment  Schedule payments one time, weekly, monthly, quarterly, bi-annual, or annual 2

Technology Behind Automated Recurring Payments

 SSL Secure Encryption  Virus Protection  Pentium, State-of-the-Art, Technology  Secure Data Storage  Firewalls  User Friendly Interface Network Infrastructure 4

4 Easy Steps 7 Payment schedule is set up in the Automated Payment System via EFT Network’s web based software Payments are debited on a one-time, weekly, bi-weekly, monthly, bi-monthly, annual, or bi-annual schedule

6 EFT Network electronically debits funds from the consumer’s account as per the payment schedule and funds are transmitted into the Merchant account after funds have cleared. Consumers Bank Merchants Bank 3. 4 Easy Steps Upload files into your in-house accounts receivable system. 4.

EFT Network Software

Web Browser 8  Go to your browser and access the web-site.  Log onto  Select Customer Login on the left navigation

Customer Login 9  Enter your customer information all in uppercase letters. -File Code -User Name -Password  Select OK

Welcome Page 10  Here you can access: -Transaction cut-off times -Notification of results status -Customer Survey & Daily Messages  Select Automated Payments on the left hand screen to get started

 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 Main Menu 11

Customer Information Payment Schedule Data Entry Screen 12

Customer Information  File Code  Customer # / Name  Address  City, State, Zip Code  Phone Number   Extra Acct Info  Bank Routing # 13

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

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 Confirm & Create Batches 15

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 Results 16

Benefits for, YOU  Electronic presentments are cleared before paper checks for faster payment processing  Access your files anywhere, anytime, anyplace  Reduce Bank transaction return fees  Receive faster advice on NSF returns in 3-5 days, versus 7, 10, or 14 days in paper form  Ability to resubmit returned NSF items immediately and return fees can be collected with proper authorization 17

Automated Recurring Payments, flexible payment options provide:  24/7 access to your account via our secure website  Upload detailed paid data file to your accounts receivable system  User – friendly interface, requiring only internet access  Schedule payments one time, weekly, monthly, quarterly, bi-annual, or annual  Access to your files anytime, anywhere, anyplace  Reduce Bank transaction return fees Conclusion 18

EFT Network, Inc. is Committed to Providing Superior, Affordable, ACH and Check Processing Solutions 19

20 EFT Network, Inc. 245 Saw Mill River Road Hawthorne, NY Tel: Fax Contact: Alex Bacon, Vice President of Sales & Marketing Getting Started