

 Offering your BBS callers customers the ability to pay you with a
 credit card will increase your business from 10% to 50%, depending
 on the type of board and your clientele, according to sources
 in the BBS industry.

 If you want to offer your callers the ability to pay
 for your products with credit cards, here is the way!

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     YOU CAN NOW OFFER YOUR CALLERS THE USE OF CREDIT CARDS NOW!!!

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 BBS Operators and Shareware Authors -- You now have the opportunity to 
 increase your sales by offering the most convenient payment method 
 available to your clients or customers -- CREDIT CARDS!
 
 This is a proven way to increase your sales volume.

 DRAGON BBS's Plan will allow you to accept American Express, JCB,
 Mastercard, Optima or Visa from your callers as payment for
 products or services.  Our plan is hassle free and easy to apply
 for.  Plus, there are many benefits that you would not get in other
 credit card services, such as:

     *  No expensive equipment to purchase or enter into a long-term
	lease to obtain.

     *  No outrageous application fees or huge initial payments to make.

     *  No proprietary doors to use.  We can accept your orders through
	several methods; Script Questionnaires, Doors, phone calls.
	
	NOW there is WC-Charge for our Wildcat! SysOp's.  WC-Charge will
	create the BBSCHRG.CHG file that you can upload to our bbs for
	very fast processing and quick payment.

     *  WEEKLY CHECKS - no waiting 30-90 days for your money.
	All reciepts recieved by 5:00 P.M.(EST) Tuesday are tallied
	and your check is mailed the following Tuesday.

     *  Immediate Decline Notification.  We will notify you within 
	>> 24 HOURS << if a card is declined - No more card abuse!
     
     *  No monthly sales volume to maintain -- you won't be penalized
	for not meeting a minimum monthly sales volume.

     *  No cumbersome administrative processes -- we handle a large
	part of this for you.

     *  Almost TOTAL automation, depending on the BBS software you use.
     
	With WC-Charge and WILDCAT! you only have to set up the WC-Charge
	door (simple and fast) then upload your BBSCHRG.CHG file that is
	created for you by WC-Charge and we will take care of the rest!
     
     *  And more conveniences that our service provides!

 There are a few things at the outset that you should know about Credit
 Card transactions.  First, is that they may be cancelled by the card-
 holder anytime within 180 days.  Second, is that people WILL give you
 expired/cancelled or "borrowed" credit card numbers that will "clear"
 the authorization process but will NOT clear the bank.  Fortunately,
 these occurrences are the exception and not the rule or Dragon BBS would 
 not be offering this service.  That aside, You have chosen a route that
 will enable you to get more contributing members for your BBS and more
 registrations for your software, if you are a software author.  After 
 all, that's the whole idea behind the Dragon Plan.


			    YOUR RESPONSIBILITIES

 As a member of the DRAGON Plan, you will have various responsibilities
 relating to use of the Plan.  They are discussed as follows.

    In order to make this plan legal, in the eyes of the Attorney General 
    and the credit card providers, there are certain guidlines for your
    participation:

    1.  YOUR BBS does not have a merchant account.  You are actually
	SELLING the subscriptions to US on a wholesale basis, which is 
	9.3% LESS than what your subscriptions sell for.
 
    2.  YOU act as our sales representative, actually taking ORDERS for
	subscriptions, to the callers of your board.  You will take the
	order information and submit that to DRAGON BBS for processing.
	DRAGON BBS is the firm that actually sells the subscriptions, and 
	that is the name that will appear on the customer's credit card 
	statement.
	
    3.  You MUST inform your credit card purchasers that they are buying 
	the service or product from DRAGON BBS, so they won't think 
	anything unusual is going on since their credit card statement will 
	reflect purchases made from DRAGON BBS.

 And finally, you will need to upload the transaction information in 
 "UNzipped" or ASCII file format to the DRAGON BBS at (513) 987-2417. 
 a minimum of once per week; however, it is recommended that you 
 upload on a more frequent basis.  This is made particularly easy through
 the use of WC-Charge for WILDCAT!

 
 We will be responsible for submitting the transactions through our
 account and mailing you a check by the second Tuesday of the following
 the submission.  Your check will reflect the transaction fees incurred 
 during the week.  You will also receive a detailed statement of your sales.


			      CHARGEBACKS

 Unfortunately, there is always a risk when accepting credit
 transactions from persons you don't know.  Even though this is a
 rarity, we want to make known our policy and the reason for it.

 If we make a mistake and transpose a number on a transaction and get
 charged back for it, we will pay the bank charge and the cost of the 
 phone call to you (if long distance) to get the matter resolved
 and the transaction re-submitted.

 If the user refuses the transaction for a valid or even invalid reason
 you will still be finacially responsible for re-embursment to Dragon
 BBS for any money that you have already recieved from the transaction.

 Even if you have a policy of no returns at your establishment it will
 not protect you from a chargeback.  The Credit Card Companies simple
 remove the charge from the users account and refuse to pay us.

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 Thank you for your interest in the DRAGON BBS Plan.  You have embarked 
 upon a business relationship that will yield you high rewards.  
 Application for the Plan is quick and simple.  Just give us a telephone 
 call at (513) 987-9739.  We can have you up and running within a matter 
 of a few minutes.

 Be sure that you tell us that you will be using WC-Charge to process your 
 credit card orders.  
