CRANKSHAFT April 23, 2008CRANKSHAFT April 23, 2008

Mission StatementMission StatementIt is the mission of The Fiscal Concierge to provide the highest level of personal bill paying services, peace of mind, and security. We wish to establish a successful partnership with our clients that respect the interests and goals of each party.

Our goal is to make certain the bills are paid on time with a commitment to excellence and integrity.

Our vision is to have The Fiscal Concierge recognized as a national leader in bill paying in the communities we serve through excellent customer service and superior quality.

American Association of Daily Money American Association of Daily Money Managers (AADMM)Managers (AADMM)

Better Business Bureau (BBB)Better Business Bureau (BBB) The American Association of Daily Money Managers (AADMM) is a The American Association of Daily Money Managers (AADMM) is a

membership organization comprised of individuals who provide membership organization comprised of individuals who provide daily money management services directly to their own clients. daily money management services directly to their own clients. The AADMM is committed to promoting high standards of client The AADMM is committed to promoting high standards of client services provided by members, and to supporting the growth of services provided by members, and to supporting the growth of the daily money management industry, in numbers of providers, in the daily money management industry, in numbers of providers, in recognition of the field, and in the quality of services provided.recognition of the field, and in the quality of services provided.

The Better Business Bureau (BBB) ensures that high standards for The Better Business Bureau (BBB) ensures that high standards for trust are set and maintained. They exist so consumers and trust are set and maintained. They exist so consumers and businesses alike have an unbiased source to guide them on businesses alike have an unbiased source to guide them on matters of trust.matters of trust.

The Fiscal Concierge Corp is a proud member of The Fiscal Concierge Corp is a proud member of

both organizations.both organizations.

Retirees and Baby BoomersRetirees and Baby Boomers F Fastest-growing segment of societyastest-growing segment of society

1990 there were 29.6 million age 65+1990 there were 29.6 million age 65+

2005 projections were 36.7 million2005 projections were 36.7 million

2010 projected census of 7.3 million age 50+ in Florida2010 projected census of 7.3 million age 50+ in Florida

2005 there were 78.2 million Baby Boomers2005 there were 78.2 million Baby Boomers

2.1 trillion dollars in spending power2.1 trillion dollars in spending power

In 2008, the first Baby Boomer collected Social SecurityIn 2008, the first Baby Boomer collected Social Security

75.9 million Americans define themselves as caregivers75.9 million Americans define themselves as caregivers

• 65% report increased levels of stress and anxiety65% report increased levels of stress and anxiety • 60% report having less time for themselves each day60% report having less time for themselves each day

• 45% are concerned about their financial costs of caring for 45% are concerned about their financial costs of caring for their loved one.their loved one.

Most of these caregivers are womenMost of these caregivers are women

Almost 60% of caregivers are employedAlmost 60% of caregivers are employed

Over 1/2 of all caregivers spend 30 hours a month providing Over 1/2 of all caregivers spend 30 hours a month providing care to otherscare to others

Source: US Dept of TreasurySource: US Dept of Treasury

CaregiversCaregiversSuffering from the increased workload and Suffering from the increased workload and

responsibility.responsibility.

Residential AlternativesResidential Alternatives

Private Duty Home CarePrivate Duty Home Care

Independent Independent Living/Retirement Living/Retirement CommunitiesCommunities

Assisted Living FacilitiesAssisted Living Facilities

Community Based Community Based Residential FacilitiesResidential Facilities

Adult Day Care Adult Day Care ProgramsPrograms Client

Attraction/ Retention

Value Added Service

ExclusiveProduct

IncreasedRevenues

Commercial and InstitutionalCommercial and Institutional

Financial planners and Financial planners and advisorsadvisors

Accountants / CPAsAccountants / CPAs

Property and casualty Property and casualty insurance agentsinsurance agents

Trust companiesTrust companies

Funeral HomesFuneral Homes Client Retention

Value Added Service

ExclusiveProduct

IncreasedRevenues

The MarketThe Market

Client Retention

Value Added Service

ExclusiveProduct

IncreasedRevenues

The CompetitionThe Competition

PAID GUARDIANSPAID GUARDIANS Power of AttorneyPower of Attorney Total Control of AccountsTotal Control of Accounts One-person operations out of their homeOne-person operations out of their home

DAILY MONEY MANAGERSDAILY MONEY MANAGERS One-person operations out of their home One-person operations out of their home Fees range from $30 to $100 per hour Fees range from $30 to $100 per hour Labor intensiveLabor intensive

The CompetitionThe Competition

ONLINE BILL PAY SERVICESONLINE BILL PAY SERVICES Usually offered by banks and credit unionsUsually offered by banks and credit unions Customer does all the workCustomer does all the work All the same deadlinesAll the same deadlines Replaces checkbook with computerReplaces checkbook with computer

ACCOUNTANTS/CPAsACCOUNTANTS/CPAs Bill Paying not their focusBill Paying not their focus $150 to $200 per hour$150 to $200 per hour

The Fiscal Concierge AdvantageThe Fiscal Concierge Advantage Bills paid on time – Bills paid on time – We do the workWe do the work

NO change to your banking relationship NO change to your banking relationship

NO Social Security number requiredNO Social Security number required

NO Power of Attorney NO Power of Attorney

Provide monthly and end-of-the-year financial reportsProvide monthly and end-of-the-year financial reports

Fixed monthly fee – may be tax deductibleFixed monthly fee – may be tax deductible

Insured and bondedInsured and bonded

Live support and after hours serviceLive support and after hours service

We Save TimeWe Save Time

Time savings an average of Time savings an average of

6 hours a month6 hours a month

Source: www.electronicpayments.orgSource: www.electronicpayments.org

We Save TimeWe Save Time

Time savings an average of 6 hours a monthTime savings an average of 6 hours a month

Over the course of a year that means. . .Over the course of a year that means. . .

9 extra nights of sleep9 extra nights of sleep

3 extra days of free time3 extra days of free time

12 marathons12 marathons

What’s your goal?What’s your goal?

TestimonialsTestimonials ““Having The Fiscal Concierge pay my bills has taken the Having The Fiscal Concierge pay my bills has taken the

pressure off of me. I am no longer worrying if the bills are pressure off of me. I am no longer worrying if the bills are being paid on time, and the easy-to-read monthly report being paid on time, and the easy-to-read monthly report has made balancing my checkbook so much easier.” – has made balancing my checkbook so much easier.” – Eleanor, Age 83, Retired TeacherEleanor, Age 83, Retired Teacher

““My father used the services of The Fiscal Concierge for My father used the services of The Fiscal Concierge for about a year before he died. When it came time to settle about a year before he died. When it came time to settle his affairs, the simple, clear reports provided by The Fiscal his affairs, the simple, clear reports provided by The Fiscal Concierge made the process so much easier.” Concierge made the process so much easier.” – Steve, Age – Steve, Age 54, Caregiver54, Caregiver

““Fiscal Concierge has made my life so much easier. I don’t Fiscal Concierge has made my life so much easier. I don’t have to worry about any of my bills and I really enjoy have to worry about any of my bills and I really enjoy getting the bill reports each month to keep my records getting the bill reports each month to keep my records updated. It is so convenient.” – updated. It is so convenient.” – Andrea, Age 26, TeacherAndrea, Age 26, Teacher

Currently, there are no other bill payment companies in the United States offering the services of The

Fiscal Concierge.

ACHACH

Our proprietary software utilizes ACH

NO change to your banking relationship

NO Social Security number required

NO Power of Attorney

True electronic payments

ACH ProcessorACH Processor

FeaturesFeatures

Helps minimize losses through use of Helps minimize losses through use of verification and authentication services, and verification and authentication services, and rejection of last returnsrejection of last returns

Client to settlement account NSF rate of Client to settlement account NSF rate of 1.932%1.932%

Settlement account to vendor NSF rate Settlement account to vendor NSF rate of .254%of .254%

SecuritySecurity

SoftwareSoftware Role-base systemRole-base system

• Various group levels set up with predetermined Various group levels set up with predetermined accessaccess

Export, Cut & Paste capabilities blockedExport, Cut & Paste capabilities blocked

Passwords expire every 3 monthsPasswords expire every 3 months

Automatic log-out after 5 minutes of inactivityAutomatic log-out after 5 minutes of inactivity

Stored log-in timesStored log-in times

• Report created displaying user log in and Report created displaying user log in and transactionstransactions

Separation of DutiesSeparation of Duties

NetworkNetwork

Full server back-up performed nightlyFull server back-up performed nightly

• Secure backup tapes off-site in fire-proof safeSecure backup tapes off-site in fire-proof safe

Redundant hard drive on serverRedundant hard drive on server

HIPAA compliant firewallHIPAA compliant firewall

Password protected networkPassword protected network

Unnecessary router ports closedUnnecessary router ports closed

SecuritySecurity

SecuritySecurity

PhysicalPhysical

Location secured with redundant entries and locksLocation secured with redundant entries and locks

24-hour video surveillance24-hour video surveillance

Files secured with redundant entries and locksFiles secured with redundant entries and locks

Limited accessibility to filesLimited accessibility to files

Files room secured when not in useFiles room secured when not in use

WorkflowWorkflow

Client

Fiscon

ACH Processor

Vendor’s Bank

Vendor

ACH

VIDEOSVIDEOS

Active RetireesActive Retirees

CaregiversCaregivers

Less Active RetireesLess Active Retirees

Income StreamIncome Stream 1 client at $25/Month = $25/Month or 1 client at $25/Month = $25/Month or

$300/Year$300/Year

25 clients at $25/Month = $625/Month or 25 clients at $25/Month = $625/Month or $7,500/Year$7,500/Year

50 clients at $25/Month = $1,250/Month or 50 clients at $25/Month = $1,250/Month or $15,000/Year$15,000/Year

100 clients at $25/Month = $2,500/Month 100 clients at $25/Month = $2,500/Month or $30,000/Yearor $30,000/Year

Live your life. . .Live your life. . .we’ll pay the billswe’ll pay the bills