Centralized Returns

1. Centralized Returns Significantly Reduce or even Eliminate Returned Check Fees

2. Source: Bankrate Monitor Sept. 28, 2001 Business Challenges • Returned Checks Fees • Increasing bank service fees for NSF checks • NSF fees are rising steadily at 4.5%, costing on average between $21.00 - $24.75 per check • Delayed NSF Check Notification • Average time is 7-10 business days before you know that the check bounced. Versus 3-5 business days with EFT BusinessOpportunities • Benefits guarantee companies, checks returned faster • As a sales tool for reselling • As part of a front-end RCK System for potential clients • Eliminates low dollar clearing 1

3. Centralized Returns Centralized Returns enables companies with multiple banking relationships to easily consolidate unpaid and returned checks at a single bank. Our Centralized Return System channels returned checks into a seamless process which can significantly reduce or even eliminate returned check fees. • Centralizes returned checks with a customized endorsement stamp • Customized verbiage for the endorsement stamp, or by working with a merchant’s data processing department or software vendor to help create the proper endorsement via their point-of-sale equipment • Full data capturing, customized reporting, next day online reporting of returned data, and check images that can reduce the risk of your business to accept returned checks 2

4. Streamline Process Special Endorsement Stamp • Instructs check writers and/or merchants bank to return all dishonored checks • to a third bank • Our bank will provide check imaging and a MICR file the same day checks are • received EFT Network Advantage • The merchant’s bank does not charge NSF Fees to the merchant for the • bounced checks • Merchants can have access to check images and return reports on-line 3

5. Key Features • Develop immediate savings and reductions in NSF bank fees/charges • Improve your overall collections and payment efficiency • Customized endorsement stamp, containing verbiage necessary to re-direct NSF checks to EFT Network • Built-in ability to electronically re-presentment NSF checks • Applicable to any type of deposited check • Actual NSF checks can be returned via US Mail or overnight courier 4

6. Technology Behind Centralized Returns

7. Merchants Bank Step-by-Step 1. The Consumer presents a completed check to the Merchant, who stamps the Centralized Return stamp on the back of the check authorizing the ACH transaction. 2. Merchant deposits check into his bank account. 6

8. Centralized Returns Bank Merchants Bank NSF NSF Step-by-Step 3. Merchant bank sends the check to the check writer’s bank for payment. Check is dishonored at the check writer’s bank. Check writers bank redirect checks to Centralized Returns Bank. Consumers Bank 4. Return check items are imaged and posted on our web. Paper checks are then sent to you a few days later. 7

9. EFT Software

10. Web Browser • Go to your browser and access the • web-site • Log onto www.redeposit.com • Select Customer Login on the left navigation 9

11. Customer Login • Enter your customer information all in uppercase letters. • File Code • User Name • Password • Select OK 10

12. Welcome Page • Here you can access: • Transaction cut-off times • Notification of results status • Customer Survey & Daily Messages • Select Centralized Returns on the left hand screen to get started 11

13. Main Menu • Company Name and Number of Items Returned – Total number of returns • Daily Returns (Combined) – summary of daily returns within a given date • Search Centralized Returns – look-up for centralized return by account number and routing number • View Images – check image feature for all returns • Reports • Detail Reports • Summary Report • Mismatch Moves Report • Main Menu – return to the system main menu 12

14. View Images Online • View front and back of check image • Verify check number • Confirm check amount and date 13

15. Search Centralized Returns • Routing Number • Account Number • Check Number • Sequence Number • Stamp Number • Location Number • Start Date • End Date 14

16. Benefits for, You • Complimentary use of our software without the need to purchase additional equipment • 24/7 access to images of NSF checks available via our secure website • Maintain your existing banking relationship • User-friendly interface, requiring only internet access • Clear returned checks faster • Save on NSF banking fees or re-depositing costs • Transactions easily re-submitted for payment • Seamlessly upload detailed paid data file to your Accounts Receivable program 15

17. Conclusion • Centralized Returns provides: • Improve your overall collections and payment efficiency • Customized endorsement stamp, containing verbiage necessary to re-direct • NSF checks to EFT Network • Built-in ability to electronically re-presentment NSF checks • 24/7 access to images of NSF checks available via our secure website • User-friendly interface, requiring only internet access • Seamlessly upload detailed paid data file to your Accounts Receivable program 16

18. EFT Network, Inc. is Committed to Providing Superior, Affordable, ACH and Check Processing Solutions 17

19. Getting Started EFT Network, Inc. 245 Saw Mill River Road Hawthorn, NY 10532 Tel: 914.747.3222 Fax 914.747.7218 www.redeposit.com Contact: Alex Bacon, Vice President of Sales & Marketing E-mail: sales@redeposit.com 18