Merchant Services Accounts Accepting Payments for your goods and Services..Getting YOU paid

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1 Merchant Services Accounts Accepting Payments for your goods and Services..Getting YOU paid Visa / MasterCard / Debit American Express Discover Pay By Touch Biometrics Gift / Loyalty / Rewards Credit and Debit Card Payments Check Services Conversion -Guarantee-Verification ACH/Check 21 BOC /RDC Electronic Billing Retail Financial & Money Services Business Historically. Financial Services merchants have been restricted, by the BankCard and Banking associations. FCD s Gonzo Processing Platform changed that. Under the Gonzo Platform, you will need merchant accounts to electronically accept and process IN-COMING payment for Goods and Services. Your customers will use some credit cards to pay for Pre-Paid Products and services. They may also use them to pay for fees and charges related to loan payments or interest payments for renewal. THIS IS ALLOWED, but can be somewhat risky for you.any credit card payment or purchase carries with it, the right to dispute up to 180 days after the transaction. Primarily you will be accepting PIN BASED & Signature DEBIT cards for your payments.pin Based Debit is the safest and easiest form of electronic payment ever developed by the banking industry. The client CAN dispute but debit is considered an ELECTRONIC CASH transaction.and the onus is on the consumer in any disputed matter, and the process differs it is hard for him to do. In addition to taking the cards for over the counter sales use the cards for post dated payment, recurring billing, face to face Bill payment, loan payments, interest payments, card to card transfers, money transfers.any incoming PAYMENT you need to accept. This payment is instantaneous they have the money or they don t, and you will know in seconds.no waiting for collection of funds as in a normal check transaction. If a Small Loan, Pay Day Advance or CSO operation. Make an IMPRINT OF THE CARD and a copy FRONT and BACK.be sure to get the CVV # (last 3 numbers on the reverse side of the card). Be sure your contract allows you to electronically draft his account, and use this for his payoff or any loan payments

2 FCD GONZO Processing Platform (f) Money $tation / PIN-Based Bankcard Payment / Cash-Back Systems Offer your customers the convenience of Purchase and Payment with their PIN Based Debit or Check Card. If you don t want the expense & hassles of accepting Credit Cards or Checks, or if your customers need access to their liquid cash...this is YOUR IDEAL SOLUTION!! Un-Stoppable, Instant Electronic Cash Payment or Cash-Back transaction and the customer pays all the costs!! MONEY $TATION / SELF SERVE or CLERK ASSIST Format Typically utilized as an ADD-ON, or in conjunction with POS sales processing Systems are a Stand Alone Consumer or Clerk Activated Profit Center They function just Like an ATM transaction. Customer pays ALL COSTS Customer can withdraw Funds from his Debit, Checking or Credit Card, as long as he has his PIN #. There is NO MONEY INSIDE THE MACHINE. It prints a Ticket (Voucher) that is the receipt of a Money Transfer..from his Account to YOURS! He Can t stop it! Customer pays all costs for you!! It Drives both Fee revenue & convenience! These systems work great to give your existing customers, as well as walk-in traffic Instant access to their money to PAY YOU, Purchase Goods / Services. or pick up some walking cash

3 Pay by Touch BIOMETRIC PAYMENT Retail Financial & Money Services Business Biometric payment is still in its infancy as a Point of Sale payment option. But it is surely coming and will begin its first wide scale dissemination via the existing network of proprietary merchants who are our clients with our Pay-Check Cashing system which already incorporates biometrics & photos. This is a broad based payment method in which no other form of ID or Card is utilized.simply the fingerprint. The merchant enrolls the client or he may enroll online and list the account instruments he wishes to use check account, credit or debit account. When he goes to pay or purchase, he simply touches the fingerprint reader, and his account is accessed he then chooses which account to pay with and the transaction is done. Gift / Loyalty / Reward Cards As a payment option these type cards function as Pre-Paid Closed System Debit Cards. These ONLY WORK within your Own Proprietary Network. Like a Kinko s or a Casino Type card. The card is only used with stores within your immediate or expanded network of affiliates. This would allow a member customer to shop with and be known throughout your entire network. There are multiple ways you can make this type card work for your organization. If you have a chain of stores, these can easily work as Identification cards, rewards, points, prepaid services, etc. An example of the card as a Pre-Paid or Rewards card would be to issue the card to a Good customer with a Discount on future services, or upon enrollment into your Client Suite.preloaded with an amount for application toward future store purchases

4 CHECK SERVICES Conversion Guarantee - Verification CHECK 21 Services Check Conversion Retail Financial & Money Services Business As an Incoming Payment service, Two Party-Personal Check Conversion makes taking a check, function just like taking a bankcard. This service is subject to the ACH checking rules as they apply to member provider banks and networks. The 2-Party personal Check is used for the Purchase of products or as a PAYMENT for services. CONVERSION converts the check into an electronic payment instrument, in which the check is scanned through the system, validated against the banking network check file and Approved or Denied. If approved, an authorization code is issued and you Stamp the check for ACH processing and hand it back to the customer. Our Checking Bank deposits the funds directly into your account electronically, after taking the discount fees then drafts the check writer s account for the payment amount. Typically we provide this service with a Guarantee, and include a basic Verification service. This allows you to accept these checks with no worry or risk. Conversion wi thout Guarantee is also available. Traditional Check Guarantee This service applies to the acceptance of 2-Party Personal and business checks, for Purchase of Goods and Payment for services. These checks are handled as any normal check you just deposit it into your bank account, after you VERIFY the check via your POS system for approval or denial.if approved, the check is Guaranteed, and the provider bank network will pay you for it if for any reason it is rejected by the bank through the normal clearing process

5 Check 21 Introduced in Oct Check 21, the Check Clearing for the 21 st Century Act provided for highly efficient processing and clearing using digital image technology. Images of checks can be electronically passed between banks and accepted for processing and clearing. As it applies to merchants in the financial services industry, CHECK 21 allows them to take a check from anyone for any purpose, process it electronically and have it deposited into their bank account. This is because the governing rules and regulations are broader and more flexible than the NACHA rules that apply to traditional Check Conversion Services. For Example: Neither a personal CHECK PAYMENT against a Loan, or a third party check cashed at a Check Cashing location are valid and allowable under the NACHA rules. however under Check 21, each check can be easily processed. This makes the Check 21 system very beneficial to specific merchant types because it removes the merchant s need to go to the bank, and removes the bank s reluctance to process checks ( as so many of them are backing out of this service because of the strict governmental regulations). In essence the checks are re-converted into a legally process-able digital image payment from the submitting bank therefore, they function as a bank to bank transfer. As with any check instrument.there is no guarantee the account has funds in it however, risk can easily be mitigated by incorporating a Verification service into the program format. Guarantee can also be incorporated via the same format. now

6 ACH DEBIT & ELECTRONIC DRAFT Payments One time.or recurring payments Retail Financial & Money Services Business Accounts can be automatically drafted for payment. This is a method of payment in which you are not dependent on the client sending in his check.you Gain control If your business model is built on periodic monthly, single time.or even default payments.you can initiate these payments electronically against a checking, savings or bankcard account (credit or debit). This functionality can be built into your merchant services profile, and done via the banking networks, or can be done completely in-house, by you CREATING a draft that you would deposit into your bank. The client DOES NOT have to be there. This can be very beneficial in multiple ways. If the client is making loan payments, car payments, rental payments, fee or renewal payments, etc.you can do this automatically. If he fails to pay you or show up.draft him via ACH, Check or bankcard.all the power is in your hands. IF HE DOES NOT HAVE A BANK ACCOUNT OF ANY KIND..ISSUE HIM A DEBIT CARD.this creates a Money account that holds his funds for shopping and payment world wide including You in your location.use this account to pull his payments from

7 ATM Cash Dispensers & POB for Payments & Cash Back Access to Liquid Funds.for Customers..for Management ATM Systems are proven to drive traffic to your door. The typical ATM is a great amenity for your customers to get access to their liquid cash. This will earn you Fee revenue on each transaction. However, you can manipulate the ATM to work for you as a Payment STRATEGY.for those people who owe you money or need to pay a bill. For the Small Loan or MSB store, it gives the client a ONE STOP shop to get his money and pay you. ATMs..Cash Dispensing & Point-of-Banking Systems Cash Dispensers In Retail Sales, Money Services and Check Cashing, an ATM / POB on site Can be a definite advantage to the Merchant and the Customer. All processing costs are paid by the consumer not the merchant, as in a bankcard transaction. Point-of- Banking All ATM transactions are for CASH BACK. The ATM / Debit / Credit card is run thru the system, and the cash or Voucher is despensed. Typically there is a Usage or Surcharge fee charged on these transactions thru the system. Then the customer can pay his bill or purchase from you, with the cash or Voucher. The Voucher is a ticket or cash transfer receipt of the Money transfer from the customer card bank to the merchant bank and he can t stop it. Once approved, the banking end of the transaction is complete. The merchant accepts the cash or ticket as payment in full, or, gives any change due to the customer over and above, the purchase or payment amount. IF YOU are a CHECK CASHER, or handle funds for FEE Revenue the POB provides an ideal way for you to handle your customers with direct deposit payroll, or direct deposit to Debit Cards This keeps YOU in charge of the actual MONEY it is not in the machine, and you are free to charge higher or additional fees for CASHING their Voucher ticket. Or, fees for payments and purchases.in addition to the Usage / Surcharge fee charged by the system. Our DEBIT CARD program provides you the means to load funds onto a Debit Card. It lets you Issue / Sell the Debit Card, charge a fee for: cashing his check, loading his card, and a third fee to withdraw his money via the ATM or POB. Three (3) fees.instead of one (1) Thru-Wall Cash Dispensers

8 FCD Gonzo Processing Platform Primo Solutions (f) PRIMO PAYGATE E-Commerce Gateway for Payment Processing and Ancillary Services FCD s Web-Based, Single Source: Point of Electronic Payment Processing and Access Gateway into a myriad of financial and ancillary products and services solutions. For the merchant who wants a Web or Point of Sale Application for conducting business, the Primo PayGate is the IDEAL Solution!! Custom Formatting for YOUR Specific Needs Electronic Payment Options via E-Commerce or POS w/ Virtual Terminal Bankcards (Optional Signature Capture) Debit Cards (PIN Based & Signature) ACH / E-Check / BOC Check 21/ RDC / Direct to FED Remote / Recurring Payments Gift / Loyalty / Rewards Management Tools / Reports Stand Alone or Integration into Operational Software Programs OPTIONAL Ancillary Products and Services for Fee and Residual Income Bank Originator Bill Payments Pay Anybody.Any Where Just in Time Bill Payments In Network Debit Card Loading Money Transfers Cellular AIR time PrePaid Product / Services Suite o In House DEBIT Card Issuance Risk Management Suite FIRST CAPITAL DATASOURCE