
Dear Fellow SysOps,

        Now you can OWN the actual software used to create client checks 
  received by FAX, over the telephone, or by modem on a BBS. 

  Personally, I do not like the wait for checks to arrive from the use
  of a check processing service bureau, the "account setup" fees, mailing
  charges, etc. 
  
  Other companies "lease" the software with a "security" device attached 
  to your printer port that counts the quantity of checks you print, and 
  you are charged accordingly. (As high as .45 cents per check!). 
  
  With checks On-Line Check Writing Software, you eliminate all of that.
  YOU control the processing of the checks, YOU own the software 
  outright! All you need is a Windows based computer, and an inexpensive 
  laser printer that can emulate a Hewlett-Packard laser printer.
  
  Checks On-Line also complies with the new Federal Trade Commission Law to 
  take effect on January 1, 1996 as follows:
        
        "Any telemarketing firm accepting check information over the 
        telephone, FAX, or other electronic means, must have a 
        verifiable procedure in place. Any of the following are 
        acceptable procedures.
        
        1. Receive written authorization from your customer by fax or 
           mail.
        2. Tape record the conversation with your customer's knowledge 
           and approval.           
        3. Mail out written notice to your customer prior to depositing 
           the check in your bank account. Notice must be in the mail prior 
           to you making the deposit."
           
  When you print a check with Checks On-Line, the top portion is a ready 
  to mail "Check Authorization Notice" that meets item number 3, and fits
  in a dual windowed envelope with the customer's address and your return
  address showing through the windows. No envelope addressing required...
  
  You can mail the Check Authorization Notice on your way to the bank to 
  make your deposit!...
  
  with the Checks On-Line program, you're up there with the big boys...
  You can do exactly what they do for a lot less money. Checks On-Line 
  will very rapidly pay for itself by saving all those "FEES"!
  
  If you sell on-line, or charge subscription fees, this is another good 
  way to get paid for your services NOW...
  
  Many people still don't have credit cards, or may be approaching their 
  credit limit and wish to keep that for emergencies... In fact, I have 
  found that many people prefer to make purchases by check! Yes, that's 
  right. Check! But to expect them to sit down and write out a check, 
  address an envelope, find a stamp, then mail it, requires more 
  motivation then some of them have at any given time. The impulse to 
  purchase is gone. However, if they can just fax you a check, or 
 
  fill-in a questionnaire right on-line, that's easy! Human nature being 
  what it is, let's make it as easy as possible for them to buy from you...

  How does checks On-Line work?
  
  One way or another, you need your customer's check information.
  The customer should fill-in the check just as if they are going to mail
  it to you... They keep the original as a "duplicate" of the transaction.
  Then they FAX it to you, or fill-in an on-line questionnaire that will
  ask for the information on the check.

  What you need to know to process their check is:
        1. Their name and address as printed on the check.
        2. The name and address of the bank as shown on the check
        3. The check number
        4. The bank "routing" number as shown in those strange looking
           numbers printed on the bottom of the check. (how to identify 
           it is explained in the Checks On-Line manual). The routing 
           number will consist of 9 digits.
        5. The amount of the check.
        6. Their bank account number as shown to the right of the 
           routing number.
        7. And finally, the "bank transit code" shown in the upper right 
           of the check. Example: 16-21/1220

  That's it! Now you can duplicate the check in Checks On-Line, print 
  it, and deposit. Their bank will process it just like any other check 
  to their account.       

  Easy enough don't you think? It's a great way to do business, and is a 
  great suppliment to credit card transactions also. Again, not everyone 
  wants to use a credit card for telephone purchasing, but until now it 
  was either a credit card or C.O.D... 
  
  This is also a great way to eliminate those credit card "discount" 
  fees to have to pay for the privilege or having a "Merchant Account". 
  That's provided you can qualify for one in the first place!
  
  Want more information about Checks On-Line?
  
  Here's a few ways to get it...
  
  We have a FAX-On-Demand system in place that you can call to receive
  detailed information by FAX. With your FAX machine or FAX modem, call 
  310-422-8161 to retrieve descriptive details.
  
  Just call and listen to the voice prompts, select the documents you 
  want, and they will be FAXed to you.
  
  Document 01 "Introduction to Checks On-Line" is an 11 page high 
               resolution document with many "screen captures" of the
               actual program.
               
  Document 02 "Order Form" to purchase the Checks On-Line program.
  
  Document 03 "DEMO Order Form" to purchase a fully operational version 
               of Checks On-Line, with User Manual AND 10 blank checks! 
               The only limitation is the check amount... 5 bucks! You 
               can test all the functionality of checks On-Line, and 
               even try a "test" deposit if you wish. Price: $25. 
               Shipped by Priority Mail (Included in the price).

  Another alternative:
        A high resolution 600DPI copy of the "Introduction to Checks 
        On-Line is available for a print-out fee of just $2.00. This 
        will be mailed out to you by first class mail. Just mail a check 
        or money-order to the address below, asking for a printed copy 
        of the "Introduction to checks On-Line"
        

  Well, that's it folks... if you're ready to add another sales 
  convenience to your operation, this is the one you should consider...

  Don Bearor
  The Home Office On-Line
  P.O. Box 17356
  Long Beach, CA 90807-7356
  310-423-6911
  FAX 310-422-8161
                    FAX-ON-DEMAND number: 310-422-8161

Some Fax-On-Demand hints:
        If you call with a regular fax machine, pick-up the handset, 
        dial the number 310-422-8161, listen to the voice prompts, make 
        your selections, then press the "start" button on your machine. 
        The documents will be faxed to you. Keep in mind, these are high 
        resolution documents, and will take a while to receive.
        
        If you call with a fax modem, get your fax software almost ready 
        to "manual receive". Call 310-422-8161, listen to the voice 
        prompts, make your selections, then 'click' on manual receive 
        AFTER you hear the TONE. The documents will be faxed to you.
        
                                       
