REAL TOOLS FOR REAL AGENTS www.zoccam.com *Patents Pending

ZoccaPay® OLD WAY ZoccaPay® The average cost to drive a medium sedan is nearly $1.00 PER MILE. It was reported that agents drive 3.6 billion miles per year. Individually, NAR estimates that its agents drive an average of 30,000 miles per year for business. ZOCCAM® enables real estate agents to send Earnest Money and Option Money through its patented process using Mobile Remote Deposit Capture.

Getting Started Enter email address and password provided by ZOCCAM Only have to do this once (unless you logout)

Send Earnest Money Select:

Capture check…It’s automatic! Center phone horizontally over check Phone will auto focus (red status bar appears at the bottom) Repeat for back of check

It’s Easy Enter check amount Buyer’s name Select “Next” Enter information as provided in the contract Select “Next”

Just add property info… Enter the following information: Listing Agent’s EMAIL or mobile number (a Notification of the deposit will be sent) Seller Name - same as contract Property Street Address – same as contract Property Zip Code Select “Next”

Select Title Company If you want to see more companies, just tell your favorite title company to join ZOCCAM!

Choose Branch location Select location by scrolling

Confirm! Verify information You can correct any information right here! Select “Confirm” and a pop-up will appear: ZOCCAM The check from Agent (YOU) for $_______ has been sent. You will receive an email confirmation shortly.

It’s easy, fast and secure. Cut transportation time and costs. Increase productivity. Reduce liability. Reduce emissions. Gain quality time. Faster processing. More transparency. Instant notifications.

Questions from your buyers? Is it safe? Check remains with buyer - reduced access to personal information Duplicate detection. Image quality review. Data encryption. How long do I keep the check? ?? Do you have my check image on your phone? No information is stored on the device. Bank account numbers, routing numbers or information incidental to the account belonging to the buyer is not stored or located on the hand held devices. Subscriber use only – only licensed agents may use this service.

FREQUENTLY ASKED QUESTIONS Q: What is ZOCCAM? A: ZOCCAM is the first mobile application that allows secure electronic third-party delivery of earnest money via smartphone from licensed real estate agents to title companies. Q: Does ZOCCAM provide other features on the application? A: Yes. ZOCCAM has other features that are designed to benefit licensed real estate agents. Q: Who subscribes to ZOCCAM? A: ZOCCAM only allows licensed real estate agents to be a subscriber. We charge the real estate agent a monthly fee and only allow them to become a subscriber after verifying their license information. Q: Is the title company a customer of ZOCCAM? A: Yes. The title company pays a monthly fee per branch to be on the application. Q: Can duplicate checks be deposited? A: Duplicate checks are rejected. Q: Where is the original check stored? A: The original check remains with the purchaser who wrote the check.

FREQUENTLY ASKED QUESTIONS Q: Does the title company receive a copy of the check? A: Yes. The title company will receive a notification through email which contains the check image (with a watermark). Q: What type of scanning equipment and/or mobile devices will be used to create the check images? A: Scanning will be done on iPhone and Android Q: What is the process used to ensure that the check images received through the smart phone app each time are high enough quality to be cleared by each financial institution? A: Every image undergoes and Image Quality Assessment before truncation. The Software is able to capture and pass an exact representation of the MICR line. The image format conforms to the Image Qualify and TIFF Tag Requirements. Q: How is the check endorsed? A: The checks are electronically endorsed by the title company. It is a virtual endorsement Q: Are there any type of limits (dollar amounts) being established around the check scanning process? A: Limits can be set based on risk assessment by the bank, but ZOCCAM has imposed a limit of $50,000 for Earnest Money. The average Earnest Money check is $2,000.

Visit us at: WWW. ZOCCAM.COM 5950 Berkshire Lane, Suite 200 Dallas, TX 75225 214-247-6500