Time to Cash In on ATM Processing

United Cash Solutions has our own ISO Agreement. Please download our ISO Paperwork from UBC’s IIS and fax it in with the ISO Set Up Form, Driver’s License and Voided Check to: Stephanie DeLeve’ Ext Fax

United Cash Solutions The ATM Division of United Bank Card Partners with Alternative Payment Solutions Additional Income Opportunities Strengthen Merchant relationships through multiple payment solutions

UCS Team Fax Alan ForgionePresidentExt. Stephanie DeLeve’Vice President – SalesExt. David WelchDirector of Tech Sup.Ext. Melanie CabelloAccount ManagerExt. Rachael MyottCustomer SupportExt. Scott TerchiakTech SupportExt.

Overview UCS offers a Turn-Key ATM Solution that will put Dollars in the merchant’s own pocket You’ll have an unique opportunity to offer a value added solution that will generate revenue for your merchants on every withdrawal as well as strengthen the merchant relationship.

Merchant Benefits Generate Income from surcharge Increase sales volume up to 20% Adds customer convenience Eliminates bad check losses Stimulates impulse purchasing No Transaction Fees No Batch Header Fees No Discount Fees Increases customer traffic Enhances customer loyalty

ATM Networks AFFN–The Armed Forces Network Honor Pulse Quest TYME Accel/Exhange Alaska One CU24 Credit Union Network Star/MAC NYCE Shazam Alaska Option Visa’s – Plus (National) M/C’s – Cirrus (National)

ATM Overview, Cont. Locations the typically generate high amount of transactions Grocery Stores Convenience Store Gas Stations Colleges Universities Liquor Stores Malls QSR (Quick Service Restaurants) Deli Restaurants Nightclubs Golf Courses Courthouses

ATM Overview, Cont. Important Points All ATMs need a Dedicated Phone Line UCS offers: –Shipping –Programming –Installation –Accessories –Bolting –Vaulting Services

The Placement Program

No out of pocket expense to you or the merchant, UCS will take care of –Hardware –Programming –Shipping –Installation –Training –Signage We are looking for merchants that can meet a threshold of 300 withdrawals a month.

The Placement Program, Cont. We’ll qualify the merchant location thru a site survey. Merchant receives surcharge income ISO receives surcharge income Sales cycle is about 3 weeks

Placement Program, Cont. Revenue Opportunity Example: Surcharge set at $2.00 UCS retains$1.00 ISO receives$.50 Merchant receives$.50

Leasing Program

Just like the P.O.S. world, ATM Leasing is a critical part of the ISO environment. Factor Rates: 60 Month: A/B.0265 C Month: A/B.0315 C.0325

Leasing Program, Cont. Advantages of Offering a Lease Up-Front Commissions Speed Additional Revenue Stream (Interchange)

Leasing, Cont. Lease Amount: $159 x 60 Months Lease Score:671/A Gross funding:$ Last Month Payment:$ Equipment Type:Tidel 3100/Color Equipment Cost:$ Accessory Cost: $ (Basic) Shipping:$ Installation:$ Net ISO Commission:$

Interchange Reverse Interchange The issuing banks pay the ATM Acquirer Interchange. This covers cost of transaction processing, sponsorship, and operations.

Merchant Revenue Projections ASSUMPTIONS Customers Daily:180 Usage Estimate x7% Transactions Daily:13 Days per Month x30 Transactions Monthly:390 TRANSACTION REVENUE Surcharge to Merchant$0.50 x Transactions Monthly390 Gross Surcharge Revenue$ EXPENSE Supplies$9.50 Telephone$30.00 Monthly Service Fee$10.00 Leases PaymentN/A Monthly Net Surcharge Profit$ CASH RETENTION Transactions Monthly390 x $60 Average Withdrawal$8730 x 20% Average Spent$1746 x 33% Profit Margin$ ATM PlacementATM Lease or Purchase ASSUMPTIONS Customers Daily:180 Usage Estimate x7% Transactions Daily:13 Days per Month x30 Transactions Monthly:390 TRANSACTION REVENUE Surcharge$1.75 x Transactions Monthly390 Gross Surcharge Revenue$ EXPENSE Supplies$9.50 Telephone$30.00 Monthly Service Fee$10.00 Leases Payment$ Monthly Net Surcharge Profit:$ CASH RETENTION Transactions Monthly390 x $60 Average Withdrawal$8730 x 20% Average Spent$1746 x 33% Profit Margin$576.18

ISO Revenue Projections ASSUMPTIONS Customers Daily:180 Usage Estimate x7% Transactions Daily:13 Days per Month x30 Transactions Monthly:390 TRANSACTION REVENUE Surcharge to ISO$0.50 x Transactions Monthly390 Gross Surcharge Revenue$ Annual Surcharge Revenue$2340 ATM PlacementATM Lease or Purchase ASSUMPTIONS Customers Daily:180 Usage Estimate x7% Transactions Daily:13 Days per Month x30 Transactions Monthly:390 TRANSACTION REVENUE Surcharge$0.25 x Transactions Monthly390 Gross Surcharge Revenue$97.50 Interchange$.30 Interchange Income$117 Total Transaction Revenue$ Annual Transaction Revenue$2574

Paperwork ATM Application ATM Operator Agreement Voided Check or Bank Letter ACH Authorization Form Driver’s License Lease (if leasing)

United Cash Solutions An array of ATM Units Deployment and Transportation Services Installation and Training Services Armor Car Services Vaulting Services Portfolio Management

United Cash Solutions Fax