using my paychek plus!â„¢

Using my PAYCHEK PLUS!™

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* Or, get my entire paycheck cashed free by using my first free transaction per pay period to purchase a US Post Office money order

www.cashcardsite.com

Saving Money

The Basics

Getting started 4

How my PAYCHEK PLUS!™ card works 9

Making PAYCHEK PLUS!™ work for me 11

Getting cash at an ATM 13

Making a purchase at a store 15

Sending money to family and friends anywhere 17

Buying a money order 20

Checking my balance 22

Upgrading to a Signature card 24

My account information

1-800-578-2966or


© American EPAY, Inc.

(Getting my whole paycheck at one time)

Advanced

Changing my PASSCODE 26

Checking my pay stub 27

ETC

“Oh No!” Handling problems 29

Fee schedule and charges 32

Glossary 33

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Open the card envelope

Learn what I need to do to get thecard

WHAT

So I can use my money

WHY

Getting Started

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Find my card

Peel the card off the sheet

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My account information 1-800-578-2966 or www.cashcardsite.com

Find my PIN and PASSCODEnumbers UNDER the card

THESE AREIMPORTANT 4

Keep my PIN and PASSCODE ina safe place

Remember when I first get my card, the balance is $0 until myemployer puts my first paycheckon my card

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Fill out the applicationand give it to mysupervisor

<graphic of application>waiting on image fromFSV

6Remember to sign it!

Smith Joe P 999-99-9999 09/09/1970

Joe Smith 7/20/04

H999-9999-9999

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The back of your card hasuseful information

What is a PASSCODE?

It is a 4-digit number (####)

Use PASSCODE to check mybalance by phone or the Internet

Also use to send money to myDollar Direct™ card(s)

1-800-578-2966www.cashcardsite.com

What is a PIN?

A PIN is your PersonalIdentification Number

It is a 4-digit number (####)

Use PIN to get cash from anATM or make a purchase atparticipating stores, gas stations,grocers or convenience markets

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Card smarts

· I can check my card balance FREE at 1-800-578-2966 orwww.cashcardsite.com

· Never keep my PIN and PASSCODE numbers with mycard

· Keep the original card form in a safe place at home

· If I lose my card call my company’s payroll departmentfor a replacement card

Memorize these and keepa copy of the numbers ina safe place

Do not write them on my card

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9My account information 1-800-578-2966 or www.cashcardsite.com

See where my money goes withPAYCHEK PLUS!™

WHAT

· Be confident that my money is safe and can't be touched byanyone else

· See how PAYCHEK PLUS!™helps me use money with greaterconvenience

WHY

How myPAYCHEK

PLUS!™ cardworks

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Me

My employer

Getting cashat an ATM

Makingpurchases

Sending money

Makingphone calls

My account

My card

Payday

Safe andsecure

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STAR241,000 ATMs 1,001,000 Retail

Cirrus820,000 ATMs

Look at the back of my card tosee where it is accepted:

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Card Smarts

· Impossible to be overdrawn Never an overdraft fee

· My money is safe, even if I lose the card

· Remember my PIN and PASSCODE. Keep themsecret and in a safe place

· Shop at stores that accept my card

· Save fees by using surcharge-free ATMs. Find where atwww.cashcardsite.com

30,000 ATMs

Coinstarover 10,000 supermarket

machines

Pulse250,000 ATMs

3,300,000 Retail

MakePAYCHEKPLUS! ™

work for me


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Read instructionsBEFORE using the card

Please read the cardinformation that camewith your PAYCHEKPLUS!™ card

Words I need to know arelocated in the glossary in theback

Using my card is low cost

Get cash at an ATM* $1.75

Check my card balance FREEon Internet or phone

If first use of my card each pay FREEperiod is to buy from a store or purchase a US Post Office money order

Use my card to buy $0.50items at a retail store

Check my card balance at an ATM $0.75

Send money to others $4.00

Purchase money order $0.50(Post Office charges will also apply)

Get cash at an non-U.S. ATM $3.50

(The complete list of fees are located onmy card carrier)*Other ATM specific charges may apply

Key facts about PAYCHEK PLUS!™

WHAT

· Save time, money, and effort· Avoid problems

WHY

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DON’T GIVE OUT MYNUMBERS to strangers orfriends

Memorize them and keep in asafe place

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Each pay period, if thefirst time I use the card isto get one of these itemsbelow it’s FREE

Make it count!

· Make a purchase at a store· Get a US Post Office money

order· Transfer money from my

card to a bank account

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Card smarts


Find an ATM with any ofthese logos on the backof my card

Find locations near me www.cashcardsite.com


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Insert my card into theATM

Use my PAYCHEK PLUS!™ cardto get cash from an ATM

WHAT

So I have cash when I need it

WHY

Gettingcash at an

ATM

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Cirrus820,000 ATMs

30,000 ATMs

Pulse250,000 ATMs

STAR241,000 ATMs

Remove my cash quickly

Before I leave, rememberto take my receipt andmake sure I have myPAYCHEK PLUS!™ card

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Choose “Checking”option

Then, follow on-screeninstructions

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Enter my 4-digit PIN

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Hand my card to thecashier or swipe it in thePoint of Sale (POS)terminal

Select “Debit”

Use PAYCHEK PLUS!™ at localstores

WHAT

So I won’t need to carry cash orchecks to buy things I need

WHY

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Making apurchase at

a store

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Point-of-SaleTerminal

(POS)

Enter my 4-digit PIN

Then, follow theinstructions on theterminal display

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Card smarts


· Save a fee by combining my purchase with getting cash, if Ineed it. I’ll pay one feeinstead of two

· Not all stores let me add cash to the purchase

· For “Cash Back” with purchase, enter the extraamount I want, or ask thecashier how much cash back Ican get

Save 75% on moneytransfer fees

Sending money to my DollarDirect™ card(s) is only $4 eachtime, no matter how muchmoney I send

Get as many additional DollarDirect™ cards as I need for only$4.95 each


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Easily send money to the DollarDirect™ card from my PAYCHEKPLUS!™ account

WHAT

So I can send money to family andfriends

WHY

Sending moneyto family and

friendsanywhere

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(1) Write down the 16-digit Dollar Direct™card number (#### #### #### ####).

Mail the card to others anywhere

Getting cashat an ATM

Makingpurchases

Makingphone calls

(3)

(2) Easily send money anytime to theDollar Direct™ card from my PAYCHEKPLUS!™ account by phone or Internet

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To send money via phonecall 1-800-578-2966

Follow the prompts for Englishand Spanish, then Press 1 tosend money

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Or, go to our websitewww.cashcardsite.com

Click “Send Money”

Remember to Logout when I amdone

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If I don’t have a computer,I can go to most publiclibraries for FREE Internetaccess

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After I send money toothers they can get cashat ATMs or buy items atstores with their DollarDirect™ card

Card smarts

· Sending money is easy and safe at $4 per transaction

· Save big by not using money transfer stores

· Make it easier and safer for others to get cash atparticipating ATMs

· The Dollar Direct™cardholder can only see theamount of money on theirDollar Direct™ card. Theycannot see the card balanceon my PAYCHEK PLUS!™card or any other DollarDirect™ cards

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Check card balance, so Iknow how much money Ihave

I can check my card balance FREE at 1-800-578-2966 orwww.cashcardsite.comPurchase a money order with my

debit card or with cash

WHAT

· If I want to get my whole paycheck cashed at one time

· Or, so I can pay my bills and other expenses

WHY

Buying amoney order

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Go to any US Post Office

or, the customer servicedesk at most grocerystores

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Ask to purchase a moneyorder

I can pay for it with my debit cardor with cash

If I want to get my wholepaycheck cashed at one timeFREE and clear, I should pay forit with my debit card

PAYCHEK PLUS!™ authorizes aFREE money order purchase if itis my first transaction each payperiod and if use my debit cardto pay for it

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Card smarts

· I can use money orders to pay bills and other expenses

· Remember each pay period, if the first time I use the card isto get a US Post Office moneyorder, to make a purchase ata store OR to transfer moneyfrom the card to a bankaccount, that transaction isFREE

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I can cash the moneyorder to get my wholepaycheck at one time

I can usually do this at the postoffice or at most banks andsome national grocers

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Call our Toll-free number1-800-578-2966

FREE

Choose English or Spanish

Press 1 to check balance

Visit our website:www.cashcardsite.com

FREE

(1) Click “See card balance”(2) Enter card number(3) Enter passcode


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Learn where I can check my cardbalance

WHAT

So I know how much money is on mycard

WHY

Checkingmy balance

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At the ATM

After I get cash, the ATM willautomatically print out a receiptwith my balance shown

$0.75If I don’t want to get cash outand just want to see how muchmoney is in my account, select“Balance Inquiry”

To find an ATMwww.cashcardsite.com

If you have a device, useWalTer at work - FREE

(1) After I login, Press 3

(2) Press 2, then Swipe your pay card

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Punch-IN

Punch-OUT

My Account Information

My Preferences

Administration (special access)

Welcome (My Name)

12345

X Exit

Payroll Information

Card Balance

Account Information

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X Main Menu

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The initial card fee ischarged to my account,no need to send money

The Signature card upgrade costis $14.95

There is a $4.95 monthly fee

I never pay retail purchase fees(POS) when using my card

When I upgrade to a Signaturecard, I will no longer receiveFREE the first transaction eachpay period for either a US PostOffice money order, a storepurchase or transferring moneyto a bank account

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Upgrade to a Signaturecard and get thepurchasing power ofMasterCard®

Personalized with my name

In addition to most of thebenefits of my PAYCHEKPLUS!™ card...

· Dine at restaurants· Make reservations at hotels

Get a PAYCHEK PLUS!™Signature card

WHAT

So I can have the purchasing powerof MasterCard® to dine at restaurantsand make reservations at hotels

WHY

Upgradingto a

Signaturecard

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How do I know when I canupgrade?

I will likely be eligible within 30-60 days, or I will be notifiedover the phone when I call 1-800-578-2966 to check myPAYCHEK PLUS!™ cardaccount information

or

I can also call 866-290-8089 torequest an upgrade

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Account information 1-800-578-2966 or www.cashcardsite.com

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If I am eligible, I canregister over the phoneand my Signature cardand PIN will be sent to myhome address in 10 daysor less

Make sure to verify that theyhave my correct mailing address

My money is automaticallymoved to my new Signature cardafter I confirm I have received it

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Card smarts

· Expand my purchasing power to millions of locations

· Continue to send money to the same Dollar Direct™cards

· Access my balance and transaction history on theInternet or over the phone

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Call 1-800-578-2966

Follow the voice prompts

Go to our websitewww.cashcardsite.com

Click “Update my profile”

Remember to Logout when I amdoneLearn how to change my

PASSCODE

WHAT

So I can remember the number better

WHY

Changingmy

PASSCODE

PASSCODE# # # #

(1) After I login, Press 3

(2) Press 1

(3) Press to print


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Learn where I can check or printmy pay stub

WHAT

So I can see how much I was paid

WHY

Checkingmy pay stub

If you have a device, useWalTer at work

FREEIf I am a registered user, I canview and print my pay stub

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View more

Print

Punch-IN

Punch-OUT

My Account Information

My Preferences

Administration (special access)

Welcome (My Name)

12345

X Exit

Payroll Information

Card Balance

Account Information

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X Main Menu

Check Date: 12-03-2004

Chk Number: 1867483

From: 11-22-2004

To: 12-03-2004

Account Information

X Go Back Print View

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Or, go to our websitewww.cashcardsite.com

Click “View pay”

FREEView or print your pay stub here


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If I am not registered onWalTer, call the Toll-freenumber 1-800-578-2966

FREEFollow the voice prompts to heara summary of my net pay

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What if the wrong amountis deposited in myaccount?

Contact your company’s payrolldepartment

What if I lose my card or itgets stuck in the ATM?

Call 1-800-578-2966immediately. They will deactivateyour card to protect your money

Next, contact your company toget a new card. After you receiveyour new card, Call 1-800-578-2966. They will move yourmoney to your new card and youcan begin using your new cardimmediately

Learn how to handle problemsthat may arise

WHAT

So I can solve them quickly andeasily

WHY

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“Oh, no!”Handling Problems

?PIN####

PASSCODE####

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What if my card doesn’twork?

Make sure I am entering thecorrect PIN or PASSCODEnumber for this transaction

If it still doesn’t work, themagnetic stripe may have beendamaged

Contact your company to get anew card. After you receive yournew card, Call 1-800-578-2966.They will move your money toyour new card account

What if the wrong amountis charged for a purchase?

If your receipt is correct, but youwere overcharged on your card,Call 1-800-578-2966 forassistance

What if I lose or forget myPIN or PASSCODE?

Call 1-800-578-2966immediately. They will deactivateyour card to protect your money

Next, contact your supervisor toget a new card. After you receiveyour new card, Call 1-800-578-2966. They will move yourmoney to your new card

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What if I change my nameor address?

If you change your name, fax ormail your request and copies ofthe official change of namedocuments to:

FSV Payment Systems ltdPO Box 60723Houston, TX 77205FAX (832) 201-6541

Include your former name,address, phone number, 16-digitcard number, new name and anyaddress or phone numberchanges

If you change your address, call1-800-578-2966 or go towww.cashcardsite.com

What if I change employers?

If you change employers, your cardstill works

If your new employer pays by DirectDeposit you can continue gettingpaid on your PAYCHEK PLUS!™card

Give your new employer thefollowing information:

Stillwater National Bank and TrustCompanyStillwater, Oklahoma

Routing/Transit Number: 103101437

16 digit account number from thefront of your card (acts like a bankaccount)

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The complete list of fees are located on my card carrier

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Learn what is free and what costs asmall fee

WHAT

So I can make smart choices

WHY

FeeSchedule

and charges

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30,000 ATMs

Get cash $1.75Check balance $0.75

Retail purchase $0.50

US Post Office $0.50 money order

Send money $4.00(Dollar Direct™ card)

Phone call $0.25Domestic U.S. rate $0.10(per minute)

PAYCHEK PLUS!™ Wallet Card

Account information 1-800-578-2966 or www.cashcardsite.com

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Balance inquiry FREE(Work site/Web/Phone)

E-Pay Stub FREE(Work site/Web/Phone)�

Remember each pay period, if the first time Iuse the card is to get aUS Post Office moneyorder, to make apurchase at a store ORto transfer money fromthe card to a bankaccount, that transactionis FREE

Go to surcharge-free ATMs to save fees. Lookfor the Allpoint logo orfind Allpoint ATMs atwww.cashcardsite.com

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Automated Teller Machines (ATM): This is a computerwhere I can get cash or check my card balance. Use of anATM requires a PAYCHEK PLUS!™, Dollar Direct™, orSignature card and PIN

Card Balance: The amount of money that is remaining onthe PAYCHEK PLUS!™, Dollar Direct™, or Signature card

Card Carrier: I receive my card on this document

ePaystub: My pay stub viewed on the Internet

Card to card transfer: Sending money from myPAYCHEK PLUS!™ or Signature card to a Dollar Direct™card

Fee: A fixed charge for a service

FDIC insured: Federal Deposit Insurance Corp. Anagency of the U.S. government that manages the bankinsurance funds, which insure deposits at banks and otherqualifying financial institutions up to $100,000 per accountin interest and principal

Dollar Direct™ card: Transfer funds from my PAYCHEKPLUS!™ card and send money to family and friendsanywhere

Money Order: A money order is similar to a check. It isused to pay bills or make purchases in cases where cashis not accepted. I can purchase these at the US PostOffice or most grocery store service desks

PAYCHEK PLUS!™ card: A card that collects moneyautomatically from the employer at the end of each payperiod. This card can be immediately used to get money orpay for purchases

PASSODE: 4 numbers used to manage my money on theInternet or over the phone. Also use to send money to a Dollar Direct™ card

PIN: (Personal Identification Number) 4 numbers used toget cash from an ATM or make a purchase at a retail store

Point-of-Sale (POS): Electronic payment for retail goodsand services

Surcharge-Free ATM: This means the owner of the ATMwill not charge an extra fee. Please use Allpoint brandedATMs

Signature card: Upgrade from PAYCHEK PLUS!™ to aSignature card and get the purchasing power ofMasterCard® so I can use my card to dine at restaurants,make reservations at hotels, rent cars and trucks, makepurchases over the Internet and telephone

WalTer: An easy to remember name for the EPAY wallterminal. It is located at some work sites

Withdrawal: Take out money from my account

Glossary PAYC

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using my paychek plus!â„¢

Documents