TOTAL SOLUTION:

This Solution combines 3T`s Secure Laser Print Module System (LPS) with 3T`s Transaction Tracking Module System (TTS) to enable financial institutions and retailers to issue, track, and reconcile many secure documents on a "document on demand and secure basis".

Applications include, but are not limited to, Official Items, i.e. Cashiers/Bank Checks, Loan and Interest Checks, Money Orders, Vendor and Payroll Checks, Gift Certificates and Coupons.

3T`s "turn-key" Solution is fully integrated so 3T customers control all aspects of the issuing, tracking and reconciling, which results in operating efficiencies, reduced operating costs, reduced fraud and theft opportunities, while expanding and/or creating new opportunities generate revenues and profits.
Financial Institutions"

Prevent fraud and lower your reconciliation overhead at the same time.

Documents. Ho-hum. Just more paperwork. What's to get excited about?

Money! That's what.

For over ten years, 3T has helped financial institutions of all sizes find new ways to profit from documents. Our computerized system streamlines your operations, upgrades your security, slashes administrative time and cost, and helps you find new ways to earn.

Increase your document cost efficiency and profit:

o  Cashier’s checks
o  Money orders
o  Loan coupons
o  Loan and mortgage disbursement checks
o  Teller receipts
o  Starter checks
o  Interest checks
o  Site drafts
o  Official documents

If you don’t see your document on our list, relax. We can customize a system in 90 days.

You can expect 3T to be…

Vigilant
You will eliminate liability for preprinted paper stock.
When you have preprinted, MICR-encoded document stock, you have a liability. But with 3T, you can stop worrying about theft or fraud in your branch locations. 3T’s document-on-demand system removes your risk. No document exists until an authorized user keys in his or her personal password. Fraud attempts can be detected almost at once, and you can control access to your system with up to four levels of password protection.

Cost-Efficient
By cutting administrative time and cost, you will expand profit.
3T streamlines document processing by cutting out manual steps and automating data acquisition. Your 3T system wil issue, track and reconcile each document with minimal staff involvement. Your savings in paperwork will drop straight to your bottom line.

Profitable
Float on money orders averages 8.6 days nationwide. With 3T, you retain ownership of both income and escheat service charges."Most state escheatment laws require the abandoned property be turned over to the state, and place limits on service charges in this context. You may wish to consult a lawyer in this regard." We’ll show you how to earn new profit from money orders.

Precise
Your 3T system will capture consistent, error-free data.
You will avoid duplicate documents and lost paperwork. Your computerized system will record every detail – who, what, when, where and how much.

Informative
You will view reports customized to your needs.
Cash management and redemption reports let you track float and maximize daily return on your cash. Exception reports spot unusual events. You can audit every item.

Fast
You will distribute documents instantly to any location.
No need to shop paper forms and track inventories. With electronic document transmission, you can deliver instant, accurate paperwork to widely scattered locations.

Flexible
You can customize every detail with "open architecture" software.
Whether you operate a nationwide banking group or a single headquarters office, 3T will build your system to your specifications.

Adaptable
3T will interface with any platform, LAN, WAN, or Web.
You can transmit data through the Internet, dedicated modem or your own proprietary network. Whatever your needs, 3T will work for you.

Secure
3T protects your confidential data with high-end security.
3T software incorporates advanced security features, encryption and password protection to keep your data secure.

Supportive
You can count on 24x7 toll-free customer support.
If you have a problem, one call will fix it. We’ll either deliver a solution over the phone, or a 3T representative will arrive at your site to make repairs.

Simple
You will get everything you need in one package - including maintenance.
Your complete 3T system includes customized proprietary software, top-of-the-line hardware for each of your sites, a consumable kit of paper and toner to optimize "MICR" print adhesion, as well as staff training, a maintenance guarantee, and around-the-clock customer support.

Guaranteed
If an item is ever rejected, 3T covers the cost.
3T’s system is so trouble-free that items are virtually never rejected because of "MICR" misreading or system errors. But if it ever happens, it’s on us.

What 3T is not...

Complicated
Retail Stores"

Maximize your profits by printing your own secure documents.

Our secure document systems can be customized for many different business types
SUMMARY OF PRODUCTS & SERVICES

1. TOTAL SOLUTION:
This Solution combines 3T’s Secure Laser Print Module System (LPS) with 3T’s Transaction Tracking Module System (TTS) to enable financial institutions and retailers to issue, track, and reconcile many secure documents on a “document on demand and secure basis”. Applications include, but are not limited to, Official Items, i.e. Cashiers/Bank Checks, Loan and Interest Checks, Money Orders, Vendor and Payroll Checks, Gift Certificates and Coupons. 3T’s “turn-key” Solution is fully integrated so 3T customers control all aspects of the issuing, tracking and reconciling, which results in operating efficiencies, reduced operating costs, reduced fraud and theft opportunities, while expanding and/or creating new opportunities generate revenues and profits.

2. LOAN COUPON AND CHECK PRINTING SOLUTION:
This Solution is an offshoot product of the Total Solution directed towards the issuing of loan coupon books and starter/temporary checks for financial institutions and its customers. The 3T LPS Module allows for the printing and binding of the loan coupon books and checks on secure and demand basis, thus creating an immediate benefit to the financial institution and its customers. This Solution may be a stand-alone application or an upgrade option to the 3T Total Solution.

3. SUSPICIOUS ACTIVITY:
Built in Suspicious Activity Reporting of any conducted or attempted transaction or pattern of transactions that you know, suspect or have reason to suspect that involves money from criminal activity, transactions designed to evade Bank Secrecy Act requirements whether through structuring or other means or involves use of the money services business to facilitate criminal activity.

4. INTERACTIVE VOICE RESPONSE SYSTEM (IVR):
This System, based on computer technology called “Computer Telephony”, which enables a 3T customer to automate the handling of incoming telephone inquiries arising from the issuance of MICR secure negotiable instruments, i.e. Bank Official items, Money Orders, Gift Certificates, Vendor and Remote Payroll and other types of checks. Further, the IVR enables the clients of 3T’s customers, via direct touch-tone telephonic access, to inquire as to the status of any issued item from the 3T Total Solution for issuing, tracking and reconciling MICR secure negotiable documents rather than what has been traditionally a very tedious manual process.

5. TRANSACTION TRACKING MODULE (TTS): (Stand Alone Product)
Back-end software module which provides polling, tracking and reconciliation of the issued and cleared documents on a daily basis, while providing extensive cash (float) management and escheat (abandoned property) service charging management reports.

6. SECURE LASER PRINT MODULE SYSTEM (LPS):
Front-end software module which is integrated with a secure customized MICR laser printer (Brother, TROY (HP), IBM), MICR toner and blank secure check stock with numerous security features to issue on demand secure documents. Such secure documents include, but are not limited to, Official Items of financial institutions, i.e. Cashiers/Bank Checks, Loan and Interest Checks, Money Orders, Gift Certificates, Remote Payroll and Vendor Checks.

7. 3T MINI –PC:
This extremely small and powerful PC is one of the smallest in the market (12.5” x 10.5” x 3.25”). It comes with a mini-monitor (9”) and reduced sized keyboard. This includes a Celeron 566 Mhz Processor, 32MB Ram, 4GB Hard Drive, 52x CD-Rom, Wireless Keyboard, 56K V9.0 Modem (PCNet chipset), 10/100 Mbps Fast Ethernet LAN and dual USB ports for Internet access or external communications, 1 parallel port with support for SPP, EPP, and ECP. Provided AV (RCA) or S-Video output for TV connection to use TV as a monitor. Meets PC98 audio specification. Full duplex playback and recording. HRTF 3D professional audio supports both Direct Sound 3D and A3D interfaces. 66 and 100Mhz front-side BUS (FSB) 3-Pin power connection on motherboard for CPU cooling fan. Two SDRAM DIMM slots.

8. 3T CORPORATE POSITIVE PAY SOLUTION:
The positive pay solution can be used by corporate customers of financial institutions that utilize the 3T Total Solution or TTS Module. The 3T +Pay system allows corporate customers to eliminate all pre-printed check stock, drastically reduce fraud and theft, while electronically and seamlessly allowing the corporation’s bank to know which issued checks are authorized by the customer