Multi-Year Contract Extends CheckAGAIN's Check Verification and Recovery Services for All Family Dollar Stores Nationwide

Herndon, VA
November 4, 2003

Electronic check re-presentment (RCK) leader CheckAGAIN will continue to offer check verification and recovery services to Family Dollar (NYSE: FDO) per a recently signed contract to extend the current relationship. As part of the agreement, more than 5,000 Family Dollar stores nationwide will continue to leverage CheckAGAIN's services to streamline check management and maximize check recovery. CheckAGAIN is the sole provider of check recovery services to one of the fastest growing discount chains in the United States.

"CheckAGAIN has delivered on its promise to provide trusted check management solutions to Family Dollar," said Tim Robinson, President of CheckAGAIN. "That, coupled with our dedication to giving Family Dollar and its customers superior customer service is why, I believe, they chose to continue our relationship into the foreseeable future."

CheckAGAIN provides check verification and recovery services to the Family Dollar chain, including:

• Electronic Check Re-Presentment (RCK) — uses electronic recovery methods to re-present funds directly to the consumer's bank account. This process means faster recovery, resulting in 20-30% higher recovery rates and reduced bank fees. CheckAGAIN's unique service verifies available funds before the second re-presentment.
  
  
• Centralized Returns — enable stores with multiple locations to consolidate returned checks into one bank, even if multiple depository banks are being used. This greatly reduces bank fees and accelerates information associated with returned checks.
  
  
• POS Check Authorization — offers access to the nation's most powerful negative databases, including SCAN^SM. This helps merchants avoid returned checks by verifying them against a database.
  
  
• Web-Enabled Reporting — allows managers to view returned items, control how they are handled, access images and status of all returned items, and export data to a variety of accounting applications. Push-reporting enables automatic emailing of customized reports.
  
  

About CheckAGAIN

Established in 1998, CheckAGAIN uses innovative technology to simplify and improve the recovery process on returned checks for merchants. The widely used system helps businesses nationwide increase their recovery on return checks, while lowering associated transaction fees. CheckAGAIN assists consumers by significantly reducing inconveniences normally associated with resolving misunderstandings due to returned checks. For additional information please visit www.checkagain.com or call 800/666-5222.