Beneficial to Merchants with multiple locations. Checks are deposited at bank as is currently done. Checks returned dishonored are sent to 'consolidated return' bank rather than to bank where they were deposited. Consolidated Return bank charges a lower fee for returned checks. Consolidated Return Bank forwards checks to us for recovery. Verification Guarantee Conversion Representment Lockbox Consolidated returns

Acme Credit Service | 1124 South Eighth Street | Springfield, IL 62703 Phone (217) 241-4400 | Fax (217) 241-4418

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