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 º                            CREDIT EXPRESS/2                        º
 º                      BETA INFORMATION/APPLICATION                  º
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At Your Fingertips Informational Systems, Inc. is currently
accepting applications for beta site testers for its new product -
Credit Express/2.  What we are looking for are businesses
that are currently honoring credit cards to run the software, in its
beta version, free of charge for one month.  The chosen businesses
must currently be running OS/2 2.1 or WARP.  We require that you
validate all of your credit card transacations utilizing the
software for a one month period.  Any problems (bugs) that are found
must be immediately reported, within twenty-four (24) hours to At
Your Fingerstips Information Systems, Inc.  We also appreciate any
suggestions, ideas and/or comments about the software as you are
testing it for us.  As payment for your time and effort we will give
you a copy of Credit Express/2 free of charge after it is released
to the general public.  Approximately thirty days after all testing
is completed.  Be aware that a beta site must test the software
thoroughly, so we are looking for businesses who could really give
the software a thorough workout.

Credit Express enables the small business owner to validate and
process credit cards and checks using their personal computer and a
modem.  Automating the validation process saves business owners the
cost of renting credit validation equipment from their financial
institution.  In addition, Credit Express/2 supplies transaction
journal files online, allowing credit information to be easily
imported into other applications.

Credit Express supports Mastercard, Visa, American Express, Diners
Club/Carte Blanche, Discover, enRoute, JCB, and Check Approval.

Credit Cards are pre-validated using an international standard
self-checking scheme.

Credit Express has undergone stringent certification test procedures
and qualifies for CPS/94 and American Express Split Dial Support.

Credit Express performs the basic Credit Card functions of Real Time
Validation, Partial Reversals, Incremental Authorization, and Daily
Balancing.

In addition to the basic functions, Credit Express supports the
following extended features.


LODGING:
  þ Separate charge types for Lodging, Restaurant or Gift shop
    purchases.
  þ Extra charges, such as MiniBar, Telephone, Laundry, and other
    incidental purchases.

AUTO RENTAL:
  þ Enables you to record rental agreement number, rental/return
    city/state, rental/return date/time, renter's name, and audit
    adjustments.

FLEET:
  þ Enables you to record vehicle number, driver ID, odometer reading,
    product code, total amount, unit price, service type, sales tax, and
    reference number (job code).

ADDRESS VERIFICATION:
  þ Enables you to achieve favorable discount rates for Mail Order
    Transactions.



                       CREDIT EXPRESS/2 BETA APPLICATION
                        BETA DATE:  03/01/95 - 03/31/95

                       FAX APPLICATION TO:  810-471-1232



COMPANY:_____________________________________________________________




NAME:________________________________________________________________




ADDRESS:_____________________________________________________________




CITY/STATE/ZIP:______________________________________________________




TELEPHONE NUMBER:____________________________________________________




FAX PHONE NUMBER:____________________________________________________




BUSINESS:____________________________________________________________




AVG DAILY AMOUNT:____________________________________________________




AVG # OF TRANSACTIONS:_______________________________________________