1. Virtual Terminal Point-Of-Sale Check Processing American Payment E x change

2. What is the Virtual Terminal? The ECHO Virtual Terminal is a secure, browser-based interface that enables businesses to process credit card and electronic check transactions from any computer equipped with a Web browser and Internet access.

3. After you log-on click here to access the Virtual Terminal Set-up is easy

4. One-time Set-up For Your Imager Click the COM Port your reader is attached to...

5. The Transaction Menu 818>32341188 Check transaction menu – with POP and ARC at bottom. Credit card transactions – “grayed out” when you process checks only.

6. A Closer Look at the Menu Click the imager you are using. This begins your POP transaction.

7. You’re Ready to Roll! 818>32341188 ECHO/CUSTOMER

8. The Imager Awaits

9. Feed the Check to Begin

10. 4321685093 0439201391 8439 Y3293920TR932024EE92228 12.00 EHCO/CUSTOMER Check data is populated when you scan the check. * Fields are required Click submit to process {

11. Drivers License Reader in Action

12. P320203 4321685093 0439201391 8439 Y3293920TR932024EE92228 12.00 ECHO/CUSTOMER

13. Your Image Has Been Uploaded!

14. Receipt Ready to Print ECHO/CUSTOMER NAME 23432 CHECKSUM LANE CUCAMUNGA, CA 90210 804-867-5309 804-234-2341 483795632 XXXXXX65739 Have your customer sign here.

15. ECHO/CUSTOMER NAME 23432 CHECKSUM LANE CUCAMUNGA, CA 90210 804-867-5309 804-234-2341 483795632 XXXXXX65739 0933 Declined transaction notification

16. 818>3234118 (818>3234118) Reporting – Transaction Review Search for your transactions by date range.

17. 818>3234118 Summary information for the date range. Click a link to see detail. Verify that transactions have been processed to ECHO.

18. Viewing Transactions On the ACH System Select all deposits, all checks, or all rejects. … or search for specific checks using a variety of search criteria. … or choose from these options

19. (ECHO/CUSTOMER) 818>3234118 0002-422004-15901 2309390940229850202 #234 3029-234930-23904 5034202394802398493 #244 4829-420211-42945 3854001393284738301 #942 4829-420211-42945 7342023928840293114 #584 57923-42934-23482 75929329044820394848 8402-575920-76920 75929329044820394848 6748-936792-10285 75929329044820394848 You can hold up to 7 days or void immediately. View of checks scheduled to be processed. User can click drop down to hold an item or to void it.

20. (ECHO/CUSTOMER) 818>3234118 0002-422004-15901 2309390940229850202 #234 6748-936792-10285 75929329044820394848 3029-234930-23904 5034202394802398493 #244 8402-575920-76920 75929329044820394848 4829-420211-42945 3854001393284738301 #942 4829-420211-42945 7342023928840293114 #584 57923-42934-23482 75929329044820394848 US CA N34984020 Summary status when holds and voids have been made.

21. ACH Reporting -All Items View (ECHO/CUSTOMER) 818>3234118 0002-422004-15901 2309390940229850202 #234 6748-936792-10285 75929329044820394848 3029-234930-23904 5034202394802398493 #244 8402-575920-76920 75929329044820394848 4829-420211-42945 3854001393284738301 #942 4829-420211-42945 7342023928840293114 #584 57923-42934-23482 7592932904482039484 #534 8402-575920-76920 75929329044820394848 #234 US CA N34984020

22. Check Image Repository } Click “Find Image” to search Search criteria fields.

23. Search Returns Five Items 34984020 09385929929 7592302 7293948029 54354342 4928540202 50248932 4720483931 Click “Show” to view check image.

24. Image with key information.

25. Virtual Terminal Benefits Flexibility - Access the Virtual Terminal to make payments anywhere you use the Web…office, home, laptop, a client’s office, PDA, tradeshow, etc., using a special URL. Ease of Use - Check imagers connected to PC automatically populate data fields and upload check image. Security – State-of-the-art firewall, PIN protection for users, and SSL encryption for transactions.

26. Cost Savings No need to purchase expensive POS terminals No gateway fees No monthly minimum fees Ability to process electronic check transactions that will save on paper check processing costs and bank deposit fees Faster funds availability (2 – 3 business days) when processing checks through the Virtual Terminal vs. paper check processing Virtual Terminal Benefits – cont.

27. Full-featured Transaction Set Choose only the payment types you want to process through the Virtual Terminal. Credit, check verification and electronic check payment transactions available. Virtual Terminal Benefits – cont. 24-Hour Customer Support – Our team of customer support specialists are ready to assist you from implementation of the service and training to answering your questions 24-7-365. Online, Real-time Reporting – Review summary information for the day, week or month, or view detailed, real-time, transaction information.

28. Payment Type Electronic Check Transactions Check Verification (DV) – merchant verifies check and processes paper Electronic Check Deposit with Verification (DD) – WEB, TEL, PPD, CCD Electronic Check Deposit, ACH Only (DH) Electronic Check Credit (DC) Point-of-Purchase (POP) Accounts Receivable Entry (ARC)

29. Virtual Terminal – POP in Review Point-Of-Purchase (POP) Transaction Customer is present Imager is connected to PC MICR field automatically populates when check is scanned (cannot be modified by merchant) Merchant inputs Amount Merchant swipes driver’s license, if imager with a card reader is used, or manually inputs DL info If approved, an authorization/receipt prints Customer signs “Merchant Copy” of receipt Merchant gives the “Customer Copy” of receipt to the customer Merchant stamps the check “void” and returns check to the customer Transaction is governed by Regulation E and NACHA

30. For Virtual Terminal Point-Of-Purchase Check Processing American Payment E X change "Providing consumers convenience and payment transfer solutions business leaders depend on is our business" Contact: 256 Garner Drive · Mabank Texas 75156 Phone 903-451-9590 · Email info@americanpaymentexchange.com