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Ph:518.580.0098 Fax:518.583.2439 Saratoga Springs,NY



Members First Credit Union                                                      November 8,2001

Mr. Wayne Akey                                                                      CashFlow Technologies 

Dear Mr. Akey,

At Member's First Credit Union we were looking for an economical method to accept member payments by phone. I want to thank you for filling that need.

CashFlow Technologies had what we were looking for. Now when we call our customers we don't have to ask them to mail a check, we simply take their account information and electronically transfer funds from their account to ours. We save time and money while at the same time offering a new payment vehicle for our members. The members love the convenience while this provides us a great working tool for clearing up account delinquencies before the end of the month.

CashFlow Technologies has provided us with both a quality product and reliable service.


Karen                                                                                       Account Manager




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