Every year there are over 6 billion consumer checks written at the point-of-sale. But many merchants will not accept checks and are not getting any of those 6 billion transactions. Why? Some merchants feel accepting checks just isn't worth the risk of getting a "bad check." Or perhaps it's the higher fees associated with processing checks, or the bank fees associated with submitting a check multiple times for

payment, or just the hassle of totaling checks at the end of the day. Integrity has taken care of those concerns!

• Integrity's electronic check conversion with guarantee gives you the ability to completely eliminate 100% or your check risk.
• You'll never know when a check "goes bad" or even if the account has been closed. You will always get your money!
• There are no claim forms to fill out. No more totaling checks. No more depositing checks. No more check deposit fees. No more NSF charges. There are no phone calls to make to collect on checks.
• Even if it's a temporary check or an out of town check, you can be assured that your funds are secure.
• You will never have another bad check. So, put the banner up: "We Take Checks!"

1. The customer writes a check.
2. The check is run through a digital check imager. The scanner instantly captures an image of the check and electronically verifies the codes at the bottom of the check.
3. These electronic codes are sent to Integrity and are checked against a comprehensive database of checks and check writers.
4. The check approval is electronically transferred back to the point-of-sale terminal and an authorization slip is generated.
5. The point-of-sale terminal prints an authorization slip for the customer to sign. This is required for Integrity to collect funds from the customer's bank account.
6. The customer is given a copy of the signed authorization slip and their check is given back, now stamped "ACH PROCESSED".
7. Transaction information is stored inside the digital check imager. At the end of the day, when all transactions are batched out, this information is sent out for settlement in the same manner as your credit card transactions.
8. Funds are then electronically transferred into your merchant account.
9. These transactions will appear on your customer's checking account statement, as well as your processing statement.