Presenting ecap free check recovery

1. Presenting ecap free check recovery To join the audio dial 630-869-1017 Access Code: 955-760-669 Your host is Rich Blair email at rich@richblair.com 866-767-0215 cell Please bookmark web page www.richblair.com/quick.html where you can also download this PowerPoint presentation

2. Electronic Check Alliance Processing (ecap) Presentation ofCheck RecoveryandSecondary Collections

3. Today’s Agenda • About ecap • Accountability • Advantages of the free service • Overview of Electronic Check Recovery What is RCK and how does it work?

4. Today’s Agenda, continued • Optional Secondary Collections • ecap’s 3-part reporting system • Clients • Advantages • How to Get Started

5. About ecap ecap’s corporate office is located in the historic 1st National Bank building in the heart of downtown St. Paul, Minnesota’s financial district. The check processing center is located in Franklin, Tennessee.

6. A Little More Background… • ecap was founded in 1998 to address the new changes within the electronic banking services community. • ecapmerged with Solveras Company in 2008, allowing ecap significant product offering, extremely competitive pricing and the additional support of an international leader in the financial services industry. • ecaporiginates millions of dollars in transactions every month • ecapis a member of and active in the Better Business Bureau (BBB), the American Collectors Association (ACA), and the Upper Midwest Clearing House Association (UMACHA).

7. Accountability • Now, more than ever, school district officials continue to remind us who should be responsible for the costs associated with dishonored, returned checks… The Check Writer. • These errant check writers can cost your district in staff time, material costs, postage, etc. • Give your staff back the time to focus attention on more important activities and eliminate potential confrontations with parents.

8. Advantages For Your District • According to our clients, the #1 reason most districts enroll in our free service is to RELIEVE STAFF to perform other more important tasks. • Electronic check recovery is a FREE service. Your district is never charged a fee or startup cost for recovering your checks. • Our service maintains a RESPECTFUL relationship with the check writer. We are never abrasive or embarrassing. • Our service returns the recovered funds to your account QUICKLY and EFFICIENTLY, crediting your bank account on a weekly basis via EFT Direct Deposit.

9. Advantages For Your District • You receive 100% of the face value of every recovered check, PLUS a rebate on electronically recovered checks. • There is no check volume requirements – we help both LARGE and SMALL districts. • Comprehensive, secure online reporting system that provides convenient, accurate, and total accountability for every check in the system, plus ability to view an image of the front and back of your checks. (We will demonstrate)

10. What is RCK? • RCK is the electronic re-presentment of dishonored checks. • RCK uses the automated clearing house (ACH) to debit the accounts of those who write bad checks. • RCK helps shift the advantage away from the bad check writer and gives that advantage to the school district. • RCK recovers MORE funds than most other methods and does it QUICKLY and EFFICIENTLY. • RCK is FREE for your district, simplifying the budget approval process.

11. ecap’s Automated Process • Bad checks are seamlessly redirected from your bank to our settlement account. • Our processing center receives the check and uploads it into the ACH system. A Daily Notification Report is sent to you via email. • Bad checks are electronically presented to the check writer’s account on “smart dates”… pay days. • Face amount of the check is re-presented electronically and a fee (state allowed) is presented in draft form. • Recovered funds and rebate are paid electronically (EFT) each Friday On the same date a Reimbursement Report is sent via email.

12. Secondary Collections • For non-NSF checks (stop payment, closed account, etc.) • There is never a charge to your district! • Letter campaign is started with up to two letters. • Skip Tracing if required. Telephone campaign is started. • Attorney assisted recovery work commences. • Check writer’s fees vary depending on the where state the check was written, as well as the effort required to collect the item. • Training insures great results through ethical and honest collection practices that adhere to strict collection guidelines.

13. Secondary Collections - FAQs • Question: What checks are collected by secondary collections? • Answer: All non-NSF checks (closed account, stop payment, forgery, etc.) and NSF checks not recovered after two re-submittals. • Question: What happens to the checks when a school district opts to NOT use secondary collections? • Answer: The check arrives at ecap’s processing center and is scanned as normal, reported via the Daily Notification Report and online. If a non-NSF check, it is immediately returned to you. If an NSF check, it is returned if attempts to recover the funds electronically prove unsuccessful.

14. Secondary Collections - FAQs • Question: Will this create additional work for school staff? • Answer: If you choose NOT to use our secondary collection service, uncollected checks will be returned to the district, which means additional work for your staff. • Questions: Will we receive parent complaints? • Answer: Most schools report no noticeable additional complaints when using secondary collections.

15. Reports and Accountability ecap’s THREE PART reporting system provides convenient and total accountability. “Store Notification Report” via email(show example) “Reimbursement Report” via email (show example) Online Electronic Reporting System (ERS) (show demo)

16. Clients - more than 5000 locations • Public School Districts - ecap with it’s affiliates provides payment processing for over 500 school districts across the nation (over 450 districts use PaySchools and over 80 districts use check recovery) • Municipalities • Utilities • State & Local Government Offices • Retail Merchants

17. The ecap Advantage • Our recovery process has among the highest check reimbursement rate in the industry, often exceeding 90%! • Reduce confrontation with check writers. There is no need to chase down parents. • Reduce the use of certified letters by enrolling in optional secondary collection service. • Our service can be customized for your particular needs. • If you are not satisfied our service can be cancelled at any time for any reason.

18. How To Get Started When your school district is ready to enroll simply complete three forms: • Terms & Conditions (1 per district) • Merchant Application & Agreement (1 per bank account) • Return Items Authorization (1 per bank account) Download forms plus an example at www.richblair.com/quick.html

19. Where To Send Enrollment Forms • First, fax all forms to Rich Blair at 619-682-1056 • Next, mail originals along with a voided check to Blair Consulting Services 7719 Edmonston Cir Bradenton, FL 34201

20. What Happens Next • After enrollment we help you understand the best methods for notifying parents of your new check collection policy. • We schedule and host training for your staff. • You receive a Welcome Packet, along with access to your personal and secure online reporting system • We notify your bank so bad checks will be routed to ecap. You can also mail on-hand checks to ecap. • You can take comfort knowing there is no long term time clause – if you are not fully satisfied for any reason, you may cancel the service at any time.

21. In closing we invite you to… • Relieve your staff from an unpleasant task, enabling them to focus on more productive activities. • Outsource a task that currently consumesdistrict resources, allowing ecap to contribute resources to your district. • Join the ranks of over 80 districts that are enjoying the benefits of our free check recovery service. Reminder to bookmark web page www.richblair.com/quick.html where you can download this PowerPoint presentation.