1. CONFIDENTIALCONFIDENTIAL
CONFIDENTIAL – This information must be protected in accordance with Company security policies.
CONFIDENTIAL
Super Financial Centers
Store Model Test
Launch Date: 12/7/09

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Super Financial Centers
• Current situation
• Key elements of the plan
• IT requests
• Training
– November timeline
– Execution
• Marketing
– Current PDL customer
– External opportunities
– Execution
• Reporting
• Incentives
– Associates
– Customers
– Calendar
• By-store detail
– December execution
– Operating hours
– Competitor Research
– Customer incentives/marketing requests
– Start up cash considerations
• SOP considerations

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3
Super Financial Centers
• Concept
– Expansion of Operations and Product Marketing strategy in 12 select stores to
test the effectiveness of a store model that includes increased store hours,
additional labor hours and marketing tools to boost product growth and store
profitability.
• Execution
– Set new operating hours for each store
• Reviewing current business results
– Hire and train additional PT CSRs
• Verification of understanding
– Training
• Store staff to be check cashing Subject Matter Experts
– Marketing
• Processes to maximize current PDL customers
• Processes to attract new / expand check cashing customer base
– Managing growth
• Weekly and daily updates
• Benchmarks

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Check Cashing
Current situation
• By store results
– Compare to by region and by district
• Trends
– August to September was a 41% increase in fees
– September to October was a 14% increase
– October to November was a 16% increase
• By day opportunity
– Fridays are 32% of our weekly total
– Thursdays are next biggest day
– Monday is the 3rd biggest day of the week
– Obvious effect coming from the 1st and the 3rd of the month in the
Western Division

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Check cashing units trends
0
10
20
30
40
50
60
70
80
P8 P9 P10 P11
Bailey APS
Searcy
APS
127
Ferguson
APS
McCartney
APS
147
McDonald
APS
Simpson
APS
2219

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$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
Mon Tues Wed Thurs Fri Sat
Business by the day of the week:

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IT support (for all stores)
• STARs check cashing report – to facilitate reviewing by
store, by day and by customer trends
– By customer, with totals both unit and $
– Date Ranges
• We intend to use the information for following with specific
customers. This information can be available through the admin.
• Email addresses
• To be used for marketing to our internal customers
• Bandwidth increase
• Concerned about the potential volume and the effect to transaction
speed in store.
• Printer upgrades (new or refurbished)
• Minimize obstacles to success

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Execution - November
November 2009
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
15 16 17 18 19 20 21
Survey PDL customers
22 23 24 25 26 27 28
Shop compeititors Review schedules
Courtesy calls start
29 30
Marketing starts
Survey PDL
customers

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Activity Item detail -
11/24 –
• Shop competitors, small businesses, strip malls, apartment
complexes
11/27 –
• Review schedule with DDO/ROM for the next 2 weeks
• Courtesy calls for the 1st and 3rd of the following week
– Include new store hours and check cashing reminder
11/30 –
• Marketing – Flyers with new hours begin to circulate, focus on
Apartment complexes, small business and strip malls.
11/24 and week of 11/30 Surveying PDL customers
• This entire week all customers need to be surveyed in regards to
checks. We will see 85% - 90% of our customers. Every customer
that does a transaction will received a "flyer" promoting our new
store hours as of 12/7 and all of our products and services we offer.

10. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Training
Resources available:
• SOP 2.3.5.3
• LMS training – Check Cashing 1 & 2
– Knowledge Checks available
• Top performing SMs
– 245 Heide Cortez
– 270 Cheryl Clark
Execution:
• SOP reviewed and quiz questions developed
• All training to be reviewed by 11/27
• Verify understanding with Knowledge Checks and SOP Quiz by 12/4
• 12/7 conference call

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Maximizing current customer
Basic Ideas -
• Survey all customers – do they cash checks?
• Send customers personalized emails to introduce the
manager, explain new hours and highlight check cashing
for all checks
• A refrigerator magnet to give all customers - one that we
cash checks and another with store specifics, i.e.
address and operating hours
• Inactive calls for current check cashing customers
• Direct mail to all active customers

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Example of the personalized memo
• SM intro
• Store address
• Services available
• New hours

13. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Ideas for the magnets

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Execution
1. Survey current customers through 12/3
2. Set targets based upon paydays on 12/4
Every customer, every time
1. Provide all customers with magnets – hours and
check cashing
2. Follow up with current check cashing customers
• Thank you cards sent out weekly
• Weekly reminder calls to 20 past customers starting with oldest
• Define top check cashers and incent with BOGO
3. Personalized emails sent out to all customers
• Monthly update to the email

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Attracting external customers
External Marketing
• Thank you cards
• Check Cashing yard signs
• New Store Hours yard signs
• Door hangers
• Balloons
• Menu Board
• Flyers
• Window Painting
Business to Business
• Small business focus and brochures to support - contractors to cash their checks and
payroll
– Daily and weekly calls
– Contractors for cashing their checks
– Small businesses for cashing payroll checks
• Bank contacts to make our services available
• First generation immigrants and grocery stores

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Targeted B2B customers
• Bank contacts
– Banks have additional check cashing conditions and requirements.
– A relationship with the bank can prove profitable
• Contractors
– There are reasons for a contractor to not want to deposit a check into their checking
account.
• Insurance and Attorneys
– Claims and settlements are always in check form
• Small Businesses
– Presented as a benefit to employees without checking accounts
• Small Supermarkets
– Grocery stores in some cases have to cash checks in order to facilitate customers
buying food.
– Most small supermarkets consider check cashing to be a loss leader and don’t use a
check verification service.
– Indicators are that 1st generation immigrants use their grocery stores as their primary
banking provider.

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Execution
• Review expectations by 12/3
– Develop small business partners
– Execute marketing
– Daily and weekly contact expectations
• Verify understanding
• Utilize Contract Tracking Log

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Contract Tracking log

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Execution – December
December 2009
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3 4 5
Verify understanding
with entire
staff
collect survey data &
set targets
6 7 8 9 10 11 12
Launch of new store
hours!
Daily update
1st incentive
SM recaps
13 14 15 16 17 18 19
Daily update
weekly update Incentive Incentive
Incentive SM recaps
20 21 22 23 24 25 26
Daily update
Holidayweekly update Incentive
Incentive
27 28 29 30 31
Daily update
Incentive

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Reporting
• Daily postings on the portal for all 3 test stores
• Weekly reporting to the entire division of
progress
• Weekly Activity Updates from the test stores:
– Capture cold calls
– Recap B2B visits
– Track progress

21. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
SPIFF – per check based upon per period increase
• + 51 – 100 New = $1.00
• +101 – 150 New = $2.00
• +151 – 200 New = $3.00
• +201 – 250 New = $4.00
Daily incentives based upon day of the period
• Movie Tickets
• Jeans Day
• SBUX Gift Cards
• Pizza Lunch
• Fill the Fridge
Incentives for the associates
Estimated cost =$250
per period for 1st 2
periods

22. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Incentive Calendar
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3 4 5
Movie tickets for
cashing 20 checks
Jeans day if 30
checks cashed on 1st
$5 SBUX card for
each 10 checks
cashed
6 7 8 9 10 11 12
Pizza Lunch if 25
checks cashed
Fill the fridge if PTD
at 100 checks cashed
13 14 15 16 17 18 19
Movie tickets for
cashing 20 checks
$5 SBUX card for
each 10 checks
cashed
Pizza Lunch if 25
checks cashed
Movie tickets for
cashing 20 checks
20 21 22 23 24 25 26
$5 SBUX card for
each 10 checks
cashed
Fill the fridge if PTD
at 200 checks cashed
27 28 29 30 31
Movie tickets for
cashing 20 checks

23. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Incentives for the customer
• 5th check cashed is free of charge
• Check Cashing referral cards
– 1% for the next check cashed? No Fee?
– Monthly drawing for a gift card?
• 1% fee for bulk
– Contractors with checks total more than $5,000 per transaction
– Small businesses that direct employees with checks totaling more than
$8,000
• $500 check or more Free MO
• 2 Free MO with each check cashed
• Unlimited MOs with check cashing
Window Banners and Brochures to support

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By store plans

25. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
McDonald Region – 2119 Casa Grande
1. Payday Loans
1226 E Florence Blvd, Casa Grande, AZ
(520) 836-1171
2. Check Into Cash
1664 E Florence Blvd, Casa Grande, AZ
(520) 421-9835
3. Allied Cash Advance
992 E Cottonwood Ln Casa Grande, AZ
(520) 876-4188
4. Money Mart
513 E Florence Blvd, Casa Grande, AZ
(520) 316-8021
5. Quik Cash
1226 E Florence Blvd, Casa Grande, AZ
(520) 836-1171
6. WaMu Bank and ATM
1664 E Florence Blvd, Casa Grande, AZ
(520) 421-1197
7. Urgent Money Services
1350 E Florence Blvd # A, Casa Grande, AZ
(520) 423-0777
8. Fastrip Financial
1620 N Pinal Ave, Casa Grande, AZ
(520) 836-2562
9. Urgent Money Services
992 E Cottonwood Ln , Casa Grande, AZ
(520) 421-7326
DDO – Gina Simpson
SM Cindy Spears and 3 PT CSRs
Operating hours –
Weekdays 10am to 9pm
Saturday 10am to 5pm

26. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
2119 Casa Grande, AZ
Banks
• US Bank 1637 N Trekell Rd, Casa Grande,
AZ 85222 (520) 423-0451
• Central Arizona Bank 4433 N Pinal Ave, Casa
Grande, AZ 520-836-7942
• Great Western Bank 1300 E Florence Blvd, Casa
Grande, AZ 520-836-4666
• National Bank of Arizona 1412 E Florence Blvd,
Casa Grande, AZ 520-836-1727
• Great Western Bank 21 W 2nd St, Casa Grande,
AZ 520-426-0020
• Bank of America 1691 E Florence Blvd, Casa
Grande, AZ 520-421-0865
Temporary Employment Offices
• Allied Forces Temporary Svc - 320 W 9th St # A,
Casa Grande, AZ 520-316-0061
• Adecco Employment Svc - 703 N Olive Ave, Casa
Grande, AZ 520-421-1707
• Labor Systems - 320 W 9th St # A, Casa Grande,
AZ 520-316-0061
• Labor Finders - 311 W 3rd St, Casa Grande, AZ
520-426-9025
• Able Body Labor - 110 E 1st St, Casa Grande,
AZ 520-876-9104
Store specific marketing
• 2 Free MOs with each check cashed
• 1% Fee
– Contractors with $3,000 or more per
transaction
– Small businesses with payroll of $5,000
or more
Marketing needs:
• Yard signs-new hours and
check cashing
• Window clings-new hours and
check cashing
• Promo code for free MO

27. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Bailey Region – 127 Sacramento
1. Check Into Cash
6286 Mack Rd, Sacramento, CA
(916) 427-5481
2. Money Mart
6510 Florin Rd, Sacramento, CA
(916) 391-4900
3. Ace Cash Express
Valley Hi Dr, Sacramento, CA
4. California Check Cashing Store
7386 Stockton Blvd # N, Sacramento, CA
(916) 391-3376
5. Chase Bank and ATM
7301 W Stockton Blvd, Sacramento, CA
(916) 689-3131
6. Buckeye Check Cashing
4550 Mack Rd, Sacramento, CA
(916) 429-1971
7. United Check Cashing
4540 Florin Rd # C, Sacramento, CA
(916) 422-2244
8. Cash N Dash Check Cashing
4709 Florin Rd, Sacramento, CA
(916) 393-2274
9. Cash & Go
6244 Mack Rd, Sacramento
DDO – Tom Searcy
SM Patricia Rogers and 4 PT CSRs
Operating hours –
Weekdays 10am to 8pm
Saturday 10am to 5pm

28. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Bailey Region – 127 Sacramento
• Banks:
• Chase Bank
• 7301 W. Stockton Blvd. (916) 689-3131
• Wachovia Bank
• 6300 Florin Rd. (916)421-6980
• Downey Savings
• 6005 Florin Rd #500 (916)399-4960
• Contractors:
• VL Construction
• 7800 Camrose Way (916)812-1245
• AJ Miller Construction
• 8684 Redlands Way (916)423-1739
• Insurance and Attorneys:
• Allstate – Zachary Wandell
• 7880 Alta Valley 9916)691-0815
• Jadish Prasad Attorney:
• 4815 Laguna Park (916)393-2545
• Supermarkets:
• SF Supermarket
• 4562 Mack Rd. (916)395-6868
• People Supermarket
• 7478 Stockton Blvd. (916)688-5515
Store specific marketing:
• Unlimited MO with any check cashed
• Check Cashing Referral – card goes into a
drawing at the end of the period for a $50
gift card
• 1% Fee
– Contractors with $5,000 or more per
transaction
– Small businesses with payroll of $8,000
or more
Marketing needs:
• Brochures for 1% fee
• Yard signs – new hours and check cashing
• Window painting
• Promo code for 1% fee
• Referral Card for check cashing – customer
ID # to be inputted on each card
• 1% fee window banner
• Services menu board
• Balloons
• Banners – new hours and check cashing

29. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Ferguson Region – 147 Temecula
1. F & M Check Cashing
27625 Jefferson Ave # 102, Temecula, CA
(951) 676-9749
2. Payday Advance
26810 Ynez Rd #C, Temecula, CA
(951) 695-5577
3.Chase Bank and ATM
26411 Ynez Rd, Temecula, CA
(951) 296-5770
4. Americash
41743 Enterprise Cir, Temecula, CA
(951) 296-5277
5. FFI Payday Loans
28282 Old Town Front St, Temecula, CA
(951) 296-6116
6. FFI Payday Loans
# G-2, 31165 Temecula Pkwy, Temecula, CA
(951) 303-1634
7. Chase Bank and ATM
29640 Rancho California Rd, Temecula, CA
(951) 695-3963
8. Check Cashers of Temecula
28282 Old Town Front St, Temecula, CA
(951) 694-6080
9. Check Cashers of Temecula
41125 Winchester Rd, Temecula, CA
(909) 506-0059
DDO – Michael McCartney
SM Stacy Minsky and 1 FT CSR and 2 PT CSRs
Operating hours –
Weekdays 10am to 9pm
Saturday 10 to 5pm

30. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
147 Temecula
• Bank
– Us Bank
• 29530 Rancho California Rd
• (951) 695-5350
– Pacific Western Bank
• 27541 Ynez Rd
• (951) 693-5253
• Contractors
– Suffolk Construction Inc.
• 42450 Moraga Rd
• (951) 699-1938
– Brookstone Construction
• 27450 Ynez Rd
• (951) 694-3373
• Insurance and Attorneys
– STATE FARM - MARGARET TURNER
• 29377 Rancho California Road, Suite 203
• (951) 699-0940
– Allstate Insurance Agent – Mike Ruiz
• 29379 Rancho California Rd
• (951) 699-097
• Small Supermarkets
– Stop Quick Market
• 29762 Rancho California Rd
• (951) 699-7968
– Target Rancho California
• 29676 Rancho California Rd
• (951) 676-2668
– Novamex
• 29379 Rancho California Rd
• (951) 695-4425
Store specific marketing:
• Free MO with each check cashed over
$500
• 5th check cashed free
• 1% Fee
– Contractors with $7,000 or more
per transaction
Marketing needs:
• Brochures for 1% fee
• Yard signs – new hours and check
cashing
• Window painting
• Promo code for 1% fee
• 5th check cashed free loyalty card
• 1% fee window banner
• Services menu board
• Balloons

31. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Start up Cash
• Stores have different amount available for
busy days. (Mon, Thurs, Friday)
– Drawers also set-up with different amounts
• The ability to print replenishment checks
when need, with ROM approval.
• Define thresholds for increasing start-up
amounts

32. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Future SOP Considerations
• Opening of safe while customers are in the store
(defining procedures/parameters)
• Process for paying out checks over $5,000 and
$10,000
– How does money get picked up at bank
– How do we verify funds at the store
– How do we count out money to customer
• Placement of tube safes in test store.