TeleCharge^SM offers simple and very cost-effective access to credit card processing by providing point-of-sale processing for small office, mobile services, home-based businesses and direct marketing businesses.

TeleCharge merchants complete a sales receipt, manually imprint the credit card slip and process a charge against the customer's bankcard through the toll-free telephone authorization line. Cardservice then deposits the funds directly into the merchant's checking account. Although a manual imprint is not required, merchants should keep an imprinted sales receipt for their records.

Designed specifically for small and home-based businesses, network marketers, and sales personnel, TeleCharge offers these important benefits:

• 24 hour, automated toll-free access
• Very cost-effective processing fees
• Easy approval from any touch-tone telephone
• No equipment or software requirements
• Selling easily from any location--no imprint or signature required