If the only method of payment that your business offers today is credit cards, then you are missing a large part of the market. Adding electronic checks can substantially increase your revenue and your bottom line. Not accepting electronic checks excludes the 35 percent or more of the U.S. population

who are credit constrained--meaning those who can't qualify, are over limit or are past due. It also excludes consumers who prefer to pay by cash or check and doesn't capitalize on rapid growth of check cards (off-line debit). It's important to note that consumers have accepted electronic checks. Not only does it overcome the barrier of being credit constrained, it also provides convenience of choice. Also, consumers without credit cards are now on the web in large numbers. In 2002, there was an increase of more than 600 billion ACH transactions (electronic checks), totaling 6.7 billion for the year. This was an 11 percent increase over 2001, and represents $18.2 trillion in total value. Not only have consumers embraced the convenience that is provided by electronic checks--but merchants have also determined that it helps to grow their businesses. What's the impact on a merchant's business by supporting electronic checks? Most merchants see an increase in sales by 8 to 20 percent. It also allows for access to new markets and demographic groups and provides a competitive advantage. Electronic Check with AmeriNet also creates a powerful tool for the conversion of credit card declines to electronic check sales.

AmeriNet pioneered the use of eChecks for telephone and Internet customer-not-present applications in 1994 and continues to lead the industry. Through its extended architecture, AmeriNet offers its clients access to a variety of 3rd party resources including banks, guarantee underwriters, positive and negative files, etc., in addition to its own extensive internal capabilities. AmeriNet also offers flexible settlement, detailed and customized reporting, links to fulfillment centers, 24/7 customer care, and a host of processing options to fit the merchant's needs.

What AmeriNet Does

Primary focus is on consumer-not-present eCheck and eCashpayments

* Major market penetration includes the Direct Response industry and Internet Commerce

* Product and technology strategy centers around flexibility, mass customization, quick merchant implementation, and high-visibility reporting

* AmeriNet provides merchants a turn-key solution that includes data capture, scrubbing and fraud controls, processing, reconciliation, settlement, reporting, and customer service functions

* AmeriNet's "debit-it![R]" technology seamlessly links merchants, call centers, websites, and fulfillment centers to the ACH network

* The debit-it![R] system includes extensions to 3rd party resources including check guarantee, positive and negative databases, and a variety of originating banks.

Comprehensive Reporting

Each day, merchants receive a variety of standard and customized reports and datasets delivered via email, Internet, and FTP

* Common reports include Daily Bank Activity, Fulfillment Advice, Reconciliation and Settlement, in a range of formats and detail level, customized to the needs of the merchant.

The Company: AmeriNet has been the leading ACH merchant processor since 1994 with a significant amount of experience in the electronic check transaction environment. They were a pioneer of electronic check payments for both the Direct Response / Infomercial market and electronic check payments for the Internet. We process the largest transaction volume of call center and Internet transactions on the planet. Their pre-eminent position in the industry has earned them several key distinctions, including:

* Partner with Western Union for the newly launched cash payment option for call center and ecommerce applications.

* Processor for NACHA's web site

* Processor for iBill and ClickBank, the two largest Internet billing aggregators

* Only check processor with aggregator agreement with Certegy

* Real-time interface with West Tele Services, the world's largest telephone order call center

* Network interfaced with New Roads, the world's largest direct response fulfillment center

The Technology: We utilize a unique server-based platform that links the Merchant's call center or website to the ACH payment network, seamlessly and easily. We provide access to banks check warranty services and positive/ negative databases. Our highly flexible system supports a wide range of services, including multi-pay, continuity and NSF representment.

In Short: Electronic check acceptance will increase your revenues and your bottom line. Our experience and flexibility provides for an easy implementation and integration into your systems. We have gained a thorough understanding of call center and web originated check transactions. We offer our clients the benefit of highly flexible reporting, backed up by a customer-focused organization. debit-it![R] Is a registered trademark of AmeriNet, Inc.

AmeriNet, Inc.

2151 N. Northlake Way, Suite 100

Seattle, WA 98103

(206) 850-6339

(760) 323-3339

www.debit-it.com

PRINCIPALS:

Dick Prochnow

President

David H. Peet

Director, New Accounts Management

TMP CONTACTS:

Earl Greenburg

Duncan Murray

Rob Stein

Contact us at (310) 392-4042.

RELATED ARTICLE: Some of AmeriNet's Partners

* AmeriNet is the eCheck processor for NACHA's website.

* AmeriNet is the eCheck processor for the world's two largest Internet billing aggregators, iBill and ClickBank.

* AmeriNet is the eCheck processor for the world's two largest audiotext aggregators, NTS and UltraChat.

* AmeriNet is the only company with an eCheck aggregator agreement with Certegy for check guarantee.

* AmeriNet is the only eCheck processor with a direct frame relay connection with West TeleServices.

* AmeriNet is the only eCheck processor linked with New Roads, the world's largest Direct Response fulfillment center.

* AmeriNet's eChecks load stored-value cards for Wal*Mart, Costco, Sam's Club, Sprint, Cingular, AT & T, and Quest.

* AmeriNet has partnered with CyberSource to add AmeriNet eChecks to CyberSource's ecommerce products.

* AmeriNet has partnered with Western Union and has launched a Cash Payment option for call center and ecommerce applications.