1. Electronic Check and ACH Recovery delivered by

2. Checkmarc Features FREE service provided by the bank. No equipment or software to purchase. No contracts, set-up fees or per check charges. You receive 100% of the face value of the recovered bad checks. Eleven year performance: worst month - 71% recovery rate best month – 92% recovery rate.

3. Huge increase in recovery of returned items (50%+ increase). Maximize customer retention as a result of non-confrontational recovery experience. Increased check recovery means more cash flow. Email or fax notification of returned items and recovered items / payments. Checkmarc website for every merchant to view check images and status. It is FREE!!! Checkmarc Benefits

4. Checkmarc Recovery Process Merchant Deposits Checks Check is Dishonored Notification to Merchant 2 nd Optimized Presentment 3 rd Optimized Presentment Traditional Recovery Funds Recovered & Merchant Notified Funds Deposited to Merchant Account Recovery Fee – Drafted from Bad Check Writer

5. Tracking Website

6. Email Welcome Packet

7. Summary Vision Bank-branded FREE new service for merchant clients Concentrate on your business and leave check recovery to the experts Receive 100% of recovered funds Enjoy increased cash flow from recoveries Stay abreast with great reporting and web tracking NO CAPITAL OUTLAY – Free really means Free YOUR BUSINESS