Your Credit Union

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Your Credit Union
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• Infinity Business Group is a Risk Management and
  Fraud Prevention Company

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• IBG History
• Originally Founded in 1998
• Involved in the original pilot programs from
  NACHA for check processing and recovery
• Contracted with FARS in 2003 to ramp up marketing
  efforts
• Merged with FARS in 2004

• Infinity Business Group, Inc.126 Trivette
  DriveSuite 202Pikeville, Kentucky 41501
• Office [phone]
• Fax [phone]
• 3,000 square feet of office space

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• Formed in 2003 as the exclusive Marketing arm for
  the FARS program from IBG
• Merged with IBG in 2004
• Focus on Risk Management and Fraud Prevention

• IBG/FARS (Corporate Office)
• 140 Gibson Road Lexington, South Carolina
  Office [phone]Fax [phone]
• www.farsmarketing.com
• 14,777 Square Feet
• 20 Employees

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IBG/FARS Processing Centers

• FARS Accts. Rec. Collections9612 Sunbeam Centre
  DriveJacksonville, Florida 32257
• Office [phone]
• Fax [phone]
• 3,500 Square Feet
• Employees 30 50

• FARS Processing Center
• PO Box 1180
• 591 Hwy 3439
• Barbourville KY 40906
• Office [phone]
• Fax [phone]
• 66,000 Square Feet
• 130 Employees (with expansion capability to
  300 total).

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Merchant Service Programs

• Electronic Check Conversion
• Accounts Receivable Conversion
• Electronic Funds Transfer
• Online (Web) Payment
• Telephone Transactions
• Monthly Payment Scheduling
• Electronic Processing of Returned Payments

• Credit Card Debit Card Processing
• Electronic Check Recovery
• Check Verification
• Check Guarantee
• Money Transfer
• (FED e WIRE)
• Bad Debt Collections

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Target Markets

• Community Banks Credit Unions
• Government
• Education
• IBG/FARS experienced a 60 growth rate in 2005

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National Initiative for Community and Independent
Banks

• IBG/FARS will provide you with an Electronic
  Check Recovery program for all business checking
  customers.
• This customized ECR program is a FREE BENEFIT to
  Your Credit Union and your business checking
  customer
• IBG/FARS will pay the mailing, printing, and
  administrative costs to inform business checking
  customers of their automatic enrollment into the
  FREE Electronic Check Recovery Program.
• The ECR program will generate increased revenue
  for Your Credit Union with no investment
  required.

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Increased Revenue

• IBG/FARS will pay Your Credit Union a fee of
  5.00 for every NSF Check electronically
  recovered.

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Additional Benefits

• The current fee structure of Your Credit Union
  will not be affected by providing a free
  Electronic Check Recovery program to all business
  checking customers.
• Per FL law, IBG/FARS will also reimburse Your
  Credit Union NSF fee back to the business
  customer.

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1st Return
SUCCESS Funds Transferred

2nd Submission
3rd Return
Checks Go to Manual Collections
ACH
Checks To FARS
3rd Submission
Credit Union
2nd Return
Business Checking Customer
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What Will Your Customer Receive?

• IBG/FARS ECR Program
• Merchant Notification Report Emailed, faxed or
  mailed to each merchant every time FARS receives
  a bad check.
• Reimbursement Report Emailed, faxed or mailed
  to each merchant every time funds are recovered
  and deposited into the merchants account.
• Recovery Status Report Available 24/7 online at
  the merchants personal webpage.
• IBG/FARS will return 100 of the check amount
  collected and your bank fee, as allowed by State
  law.

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Merchant Website

• Merchants may access their personal website and
  view reports 24/7
• www.farsmarketing.com
• Access to private login screen

At the merchant login screen enter Account ID
far5001 Username merchant1 Password master1
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Detailed Reporting

• FARS delivers real-time data on
• Complete check history
• Check recovery status
• New checks entering the system
• Payment history
• And more
• Reporting also available online from any Web
  browser via the FARS back-office
• Daily email alerts if desired

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Complete Check History
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FARS Customer Testimonials

• Our bad check headaches, aggravation, and
  collection problems have disappeared due to FARS.
  We used to lose not only money, but time, bank
  fees, and cash flow. Now FARS does the leg work
  for us, and its success rate has been fantastic.
  Best of all, we dont have to worry about chasing
  people downno embarrassment or hurt feelings. We
  dont lose customers because were not caught in
  the middle.
• We recommend this service to anyone looking for
  a quick and convenient way to collect on returned
  checks. It has relieved our staff from many
  headaches and has proven to provide desired
  results.
• Bank fees for uncollectible checks were eating
  into my profits, so I decided to stop accepting
  checks altogether, which cost us lost sales. Then
  I was referred to FARS Marketing. With its
  incredible collection rate I am accepting checks
  once more in ALL my locations and have
  recommended this service to all my business
  friends.
• We have been extremely pleased with FARS. They
  handle everything from the time the check does
  not clear. This eliminates us from having to make
  phone calls, track down customers, and receive
  payments for services performed. I would highly
  recommend this service.
• Our previous check verification service placed
  an undue burden on our employees. With FARS, I
  not only receive the face amount of the check but
  I also receive money for each check collected.
• With FARS, I get an email notification report on
  the status of every outstanding check, and our
  controller can access their Web site at any time
  to review status. I have been extremely
  pleased.