

 If you are looking for a great way to earn MONEY, this may be for you...

 This offer is presented to you by The Home Office On-Line, National 
 Distributors of CHECKS ON-LINE MICR Check Writing Software.

        This is NOT a "get rich" scheme, rip-off, or other such baloney 
 that many of us have been exposed to while searching for a means of secure 
 self employment. This is a legitimate means of earning a good living.

        First, let's talk about what the CHECKS ON-LINE program is all 
 about, and see for yourself why it may well be a big money maker for 
 you to market this program right from your own home if you wish. Even 
 part-time!

        We all know that most businesses accept credit cards when you 
 want to purchase an item over the telephone or by mail. However, many 
 of us are close to our "credit limit" at times, or feel that we wish to 
 keep what available credit we have for emergencies...

        Most of us prefer to pay by 'check' anyway, and businesses 
 certainly do. But when you want to purchase something over the telephone
 you MUST use a credit card or order the item COD, and pay a COD fee in
 addition to the cost of the item you purchased, or mail a check and wait
 days and days for delivery. ATM debit cards are great, but still can't
 be used over the telephone or FAX machine!

        Businesses DO lose telephone sales with the above methods of
 accepting payment! 800 numbers have certainly been a big help, but an
 800 number doesn't solve the COD problems or the low credit availablilty
 on most peoples credit card.

        Did you know that 135 million people have a checking account 
 today, but 70 million of them DON'T yet have a credit card? They 
 purchase by check, When they can, Usually in local stores. They're out 
 of luck when attempting to buy over the telephone!

        This is where CHECKS ON-LINE comes in... ANY business that accepts 
 orders over the telephone can now take a customer's check right over 
 the telephone or FAX machine, when they have the CHECKS ON-LINE program 
 to process the customer's check. That customer can be an individual or 
 another business...

        Up until now only the big boys could afford to have custom 
 software written in-house to accept checks right over the telephone, 
 but now that CHECKS ON-LINE is available for a small business price, 
 ANY business can afford to accept checks - on - line! (get it?)
 
        CHECKS ON-LINE sells for $189 to $299, depending on the program
 options purchased. These prices are certainly well within any small 
 business's budget. The program will pay for itself in no time with the 
 increased sales ability they will have when using CHECKS ON-LINE...
                                                                
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        Here's how it works... if a customer wishs to pay by check 
 (again, this can be an individual or another business), The customer 
 will be asked to write out a check just as if they are going to mail it 
 to the business. The customer will be asked the following information
 from the check:
    ( The .PCX file included with this ZIP file shows the check input 
      screen of CHECKS ON-LINE. Just bring the .PCX file into a viewer
      and print it out to see just how the information is being entered )

        Account information
        1. Name on the check.
        2. Address shown on the check.
        3. City, State, Zipcode on the check.
        4. Telephone number on the check, if any.
        
        Bank information
        5. Name of the bank. (including branch name or number)
        6. Bank address.
        7. Bank City, State, Zipcode
        8. Bank telephone number (if on the check).        
        9. Bank routing number (shown in those strange looking numbers
                                on the bottom of the check)
        10. Account number (also shown in those strange looking numbers)
        11. Bank transit numbers (usually in the upper right-hand corner 
                                  of the check).                                
        12. The check number being used for this transaction.
          
        That's it! the customer is told to keep the "real" check as a 
 record of this transaction. It took all of 90 seconds to obtain this
 information. The only thing left to enter of course, is the amount of 
 the check! This check is ready to be printed on the laser printer. now, 
 or later in the day when there are several checks to be printed...
 
        If the customer faxed a copy of the check to the business, none 
 of the above questions needed to be asked at all... just get the 
 information right off the faxed copy and enter it into CHECKS ON-LINE 
 when you are ready to process the order!
 
        When it's time to print the day's checks, just add blank check 
 paper into the laser printer and select the "print checks" function in 
 CHECKS ON-LINE.
 
        What blank check paper? The 100 sheets of blank check safety 
 paper we furnish FREE of charge with the program to get the business 
 up and running in the use of CHECKS ON-LINE!
                                       
        Where do they get more blank check stock? From you! When it's 
 time for them to re-order additional supplies, YOU are their source, 
 and you don't have to stock a thing... We drop ship the items directly 
 to YOUR customer! You charge your customer the retail price, FAX us a 
 check for the WHOLESALE price... we ship immediately! A residual income
 for you after the sale! 
                                                                
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        One of the great features of CHECKS ON-LINE is once the check 
 information is entered into the program, the customer information is 
 saved in the Client Database file, and their bank information is saved 
 in the Bank Database file... The next time the SAME customer wishes to 
 pay by check again, just entering the same bank routing and account 
 numbers in the entry fields will automatically fill-in the check for 
 you! Only the amount, check number and memo fields require new 
 information... A great time saver!
 
        CHECKS ON-LINE can be used to process checks for multiple 
 businesses! Some companies do business under several names, or own 
 other businesses. CHECKS ON-LINE allows multiple Client and Check 
 database files to be created... one for each business entity! This 
 feature also allows someone to operate a "mini check processing center"
 for other businesses. A typical service charge is 1.5% of the 
 check amount, or a flat rate if preferred. Processing an average of 
 just fifty checks a business day would bring in about $2,000 per month!
 
        Such an operation can make good use of CHECKS ON-LINE Option A, 
 which is an added module called REPORT MAKER. Reports on EACH account 
 activity can be created showing activity by the week, month, quarterly, 
 or even on an annual basis. These reports can also be exported to a 
 spreadsheet format for use in popular spreadsheet programs, and can 
 also be exported in word processing format to allow adding header 
 information, summary details, etc.
 
        CHECKS ON-LINE  Option B allows for automatically scheduled 1 to
 12 future check payments by the week, month, quarter, or on an annual
 basis. You can even pick the day of the week or month that the check will
 be automatically generated! This module is ideal for any type of
 membership organization that requires scheduled dues, payments, etc.
 A business that sells on a contract basis, such as a furniture store,
 can make good use of this option. The customer doesn't need to sit down
 and write a check every month, it's automatically done for them!
 
        CHECKS ON-LINE Option C allows assigning account numbers/letters 
to each client as a new check is generated. This function is used to 
good advantage in several areas of the program. When it's time to 
create another check for a customer, simply clicking on "PrevClients" on 
the Tool Bar will display a list of previous clients. Just Click on the 
customer when found, and ALL the clients previous information is 
filled-in for you... 

        The entire CHECKS ON-LINE package with ALL the options briefly
 described above retails for just $299. The Basic Standard System 
 without the options retails for $189... The options can be purchased 
 individually, and can also be purchased later. All options are in the 
 basic program, and a quick call to your customer from our licensing 
 agent can "activate" any option at any time. No need to ship new disks!
                                                                
                                                                PAGE 3
 

        You may be asking "is such a program legal?". Of course it is...
Doing business this way isn't NEW, but up to now only the "big boys" 
could afford to buy such software. CHECKS ON-LINE conforms to all the 
requirements of the American Banking Asociation, Uniform Commercial 
Code, and Federal Banking Regulations. (USA only. Not recommended for 
Canadian check processing).

        After reading the previous information, are you getting ideas 
 about how useful CHECKS ON-LINE can be to so many businesses?
 
 All our orders here at The Home Office On-Line are by checks received
 by FAX or over the telephone, and we like it that way... No steep credit
 card merchant account fees to pay for the "priviledge" of accepting
 credit cards!
 
        Payments by telephone or FAX is proving to be the logical 
        choice, because payments by telephone or FAX make sense!
        
        A recent study revealed that more businesses AND comsumers would 
        PREFER to pay by check if given the choice!
        
        Accepting checks by telephone or FAX will absolutely produce 
        MORE sales! Great for "impulse" purchases...
        
        Eliminate costly COD shipments and the many unpaid returns!
        
        It's fast and simple to accept checks over the telephone or FAX!
        
        Unlike credit card merchant accounts, EVERY business qualifies 
        to purchase and use CHECKS ON-LINE MICR Check Writing Software!
        
        Businesses can now turn their computer into an instant cash 
        machine! Print a check, deposit it today! It's money in the bank 
        today!
        
        Obviously, much cheaper than processing credit cards! Plus, a 
        great service and convenience is now offered to their customers!
        
        They OWN the software! NO leasing, NO service charges, NO check
        processing fees.        
        

        All that's needed to use CHECKS ON-LINE is a Windows based computer
 (Either v3.1 or Windows 95), and a laser printer capable of emulating a
 Hewlett-Packard Laser Jet printer. And of course, a mouse would be great...

        There are millions of businesses out there that can make good 
 use of CHECKS ON-LINE, and The Home Office On-Line certainly can't get 
 to all of them! So, here's your opportunity to "jump on the bandwagon" 
 with an Authorized Dealership program of your own...
                                                                PAGE 4


 
        The nice thing about an CHECKS ON-LINE Authorized Dealership is 
 the fact that:
 
        1. You can operate it right from your own home. No office or
           store needed. (unless you already have one!) 
        
        2. Operate part-time if you wish. Let the business build up
           until you're ready to quit your current job!
           
        3. No need to stock supplies unless you want to... we drop ship
           everything directly to your customer for you! You keep the 
           profit!
           
        4. We furnish master copies (camera ready) of our high resolution
           1 and 3 sheet advertising mailers with YOUR business name and
           address printed right on them. Just have them printed or
           duplicated in a local print shop, and you're ready to go...
           
        5. You receive a fully operational copy of CHECKS ON-LINE for 
           your own business use in your Authorized Dealership... with
           ALL of the above options functional, so YOU can accept checks
           on line! A $299 value...
           
        6. You get 4 DEMO packages of CHECKS ON-LINE, with a hands-on 
           user's manual and 10 blank checks, telephone script sheet,
           order form, supplies price list in each package. The DEMO's
           are fully functional for customer evaluation! The only 
           limitation will be the dollar amount of the check that can be 
           printed... 5 bucks! A $100 value...
            
            (Sell the DEMO packages to prospective clients for $25 each. 
            If they decide to purchase CHECKS ON-LINE, the INSTALLED demo
            program will be activated over the telephone based on the 
            options they purchased. No need to ship and install different
            software!)
           
        7.  You get our Dealer Business Manual. This manual is a sales 
            aid to market CHECKS ON-LINE. It will discuss the various 
            benefits to your customer in their use of CHECKS ON-LINE for 
            their business, what type of businesses can make good use of 
            the program, including marketing ideas, and many pre-designed
            forms for you to use in your Authorized Dealership.
        
        8. You will also learn in the Dealer Business Manual how to set
           up an inexpensive FAX-ON-DEMAND system on a cheap 386 or better
           computer(used?), just like we use here. Your customers can 
           place an order or retrieve an information FAX 24 hours a day,
           7 days a week. Business by remote control!... 

        9. You will have full access to our BBS system, where you can 
           obtain many useful shareware programs to use in your CHECKS
           ON-LINE business, and there are many good ones available...
                                                                                  
                                                               PAGE 5


        Well, if all this sounds like "your cup of tea", you can get 
 more detailed information about CHECKS ON-LINE and the Authorized 
 Dealership Program by calling our Fax-On-Demand system to retrieve 2 
 important documents.
 
        What is FAX-On-Demand you ask? It's just a method of RECEIVING a 
 FAX... but YOU call our FAX machine, either with your FAX machine or FAX 
 modem, listen to the voice prompts and select the document you wish to
 receive. It's as simple as that!... And it's available 24 hours a 
 day! Call anytime... The number is 310-422-8161
   
 FAX-On-Demand hints:
        If you call with a FAX machine, pick up and dial the number with 
 the handset, listen to the voice prompts and follow the instructions.
 Select the documents you wish to receive, wait for the TONE, then press
 your start button, hang up the handset, the machines are now "talking"
 to each other..
  
 If you only have a FAX modem, first start your FAX program to just the 
 point where you would 'click' on "manual receive", then dial the 
 number with a telephone connected to the same telephone as the FAX modem,
 listen to the voice prompts, select the documents you wish to retrieve.
 When you are ready, wait until AFTER you hear the tone, then 'click' on
 manual receive. When you hear a modem screech, hand up the telephone. 

   
 That's all there is to it!... What's available to receive?

  
  Document 00  is a single sheet list of the documents available on the 
               system.
  
  Document 01  is an 11 page "Introduction to checks On-Line" with many 
               screen captured images of the running program, and how it
               works. (about 10 minutes to receive)
  
  Document 04  is the 7 page "Authorized Dealership Program" information
               package that will discuss in detail about our program, 
               the wholesale costs and profit available to you of the
               CHECKS ON-LINE software, blank check stock, MICR toner
               cartridges, and many other money making features.
               
        You should at the very least, retrieve document 01 to learn 
 about the capabilities of CHECKS ON-LINE. This 11 page document will 
 have many screen captured views that demonstrate the program and all 
 the options available.

        Secondly, you will need document 04 to receive detailed 
 information about our authorized Dealership Program and how to go about 
 signing up for the dealership.
                                                                PAGE 6
                                                                                             
 
 
 When you wish to select a document, enter the TWO digit number. 
 Example: 0 1 to retrieve document 01.. Listen to the voice prompts to 
 do it properly!
  
         
  sincerely,
  
  Don Bearor
  
  If you have any questions that I may answer, I can be reached at:
  
  The Home Office On-Line
  P.O. Box 17356
  Long Beach, Ca 90807-7356          
 voice: 310-423-6911
   FAX: 310-422-8161
  
            FAX-On-Demand number: 310-422-8161                
                                                                PAGE 7
 
