A PRESENTATION OF CAPABILITIES TO Mall BANKS ARE UP WITH ATM USA MANAGED SOLUTIONS.

A PRESENTATION OF CAPABILITIES TO

Mall

BANKS ARE UP WITH ATM USA MANAGED SOLUTIONS

1 INTRODUCTION

Your center’s good name is everything in the community. You spend years building customer

confidence, loyalty and a brand image. Your staff is professional, courteous and diligent. Yet one

negative customer experience can put all that in jeopardy.

For example, if a customer walks up your ATM machine and it doesn’t work. No matter what the

reason, that can damage your name every bit as much as a poor earnings report or not being able

to find a parking space. Your ATM partner needs to understand that. We do.

Your good name. Our Uptime Guarantee.

1 INTRODUCTION

• ATM USA was founded in 1998

• ATM USA provides full-service ATM programs that help retail centers maximize internal

resources and realize profits

• Among the leaders in ATM placements in the United States, ATM USA is a nationwide turnkey

ATM service partner

• ATM USA has over 3,000 placements all over the country

• Wells Fargo. Macerich. Dillard’s. Farm Fresh Grocery Stores. Major Fortune 500 companies

partner with ATM USA

The ATM Uptime service leader

You’rein goodcompany

1 INTRODUCTION

Trends in the marketplace

2 FI TRENDS

• Bankruptcies, unemployment, falling real estate prices have had a profound effect on the retail

markets and leasing is more challenging than ever

• Federal bailout money has been a public relations nightmare for financial institutions and has

forced banks to re-evaluate off premise ATMs

• Fixed rents for ATM placements have declined or are no longer offered outside of “A “centers

• Loans and credit approvals are much

more difficult to obtain

• The financial crisis is demanding a new

way of doing business

• The answers aren’t easy

• Retail centers are continually searching for new revenue streams to replace lost income

• A uniform ATM fleet provides retail owners leverage in branding, marketing and sponsorship

programs

• ATM services are viewed by customers

and members as a necessary convenience.

Retail partners demand them

• Due to management requirements, fuel costs and

maintenance needs, ATMs are expensive

to maintain at levels of availability that reflect your good name

• Outsourcing ATM management and maintenance

is an appealing option to many retailers

1 INTRODUCTION

A new focus

2 FI TRENDS

ATM USA Managed Solutions• Outsourcing can increase ATM profitability with little effort

or impact on operations

• ATM USA provides full-service ATM Managed Solutions to

retail locations of all sizes

• Solution includes first line maintenance (FLM), second line

maintenance (SLM), transaction trafficking, network access,

cash replenishments, cash vault services, ATM placement

and on-site maintenance

• Innovative technologies allow us to install and relocate terminals

in a matter of days, not months.

• ATMs with high availability provide convenience to your

customers and provide them with cash to spend on site.

• The manpower, time, headaches and frustration that go with

ATM ownership are eliminated without giving up the profitability

Bank of TheCommonwealth is up.

“We are extremely satisfied with thelevel of service and professionalism thatis demonstrated on a consistent basis and would highly recommend ATM USA without hesitation.”

Deborah B. CoonSenior Vice President andChief Information OfficerBank of Commonwealth

1 INTRODUCTION 2 FI TRENDS 3 ATM USA MANAGED SOLUTIONS

• Term of managed services sponsorship is 36 months.

• ATM USA will provide complete turnkey ATM service; equipment, processing, cash, armored

car, insurance, monitoring, maintenance and communications

• Retail Center will set the surcharge for the location

• All branding and sponsorship revenue will be paid to the Retail Center

The details about the ATM USA Managed Solution

• ATM USA will provide and pass through the cost of new ,wholesale ATMs for all locations,

depreciated over 36 months

• Install and pass through cost of the communications for length of contract

• Other pass through costs are for processing, cash replenishment, insurance, management and all

first and second line maintenance

• ATM USA will refund 100% of surcharge transactions and all interchange to the Retail Center

after expenses

Flexible equipment options and pass through costs


• Services include monthly reporting, 24-hour customer service, terminal monitoring and the

98.5% Uptime guarantee

• Failure to maintain a minimum uptime service level will result

in a reduction in management fee

The Uptime Guarantee

• ATM USA will be paid a monthly management fee based on the number of ATMs being

outsourced to ATM USA

• The monthly management fee is $250 per terminal

Fits just about any budget

• Enter all new locations in our ATM Management Database and map out logistics for the

conversion

• Create scope of work to be provided to all vendors and the customer

• Develop a schedule for the conversion, including cash removal, rebranding, communication

installation and testing, and cash loading

How the conversion plan works


• Send the proposed schedule to exiting vendors and operations staff

• Ship all materials upon approval to the technicians assigned

to complete the installations. Materials include signage, Ventus

communication equipment, and terminal cleanup materials

• Installations are only scheduled to be completed Mondays

through Thursdays. Up to 25 terminal conversions per day

“We awarded ATM USA the contract because nobody else came close to offering as comprehensive a plan at such a reasonable cost….We’re overjoyed with ATM USA’s efforts to make the conversion painless”

Mary GardnerChief Financial OfficerCredit Union MemberAccess Company

Approvals are a must

• Monitor the process daily until completion

• Send a daily report to the customer and vendors detailing

the previous day’s successes and failures with a plan of action

• Quarterly formal review of the conversion, transaction performance,

and ATM operation of the portfolio will be held between ATM USA

and the customer after the first conversion date

Monitoring progress is essential


• ATM USA provides a four-hour average response time

• All contracts have a uptime guarantee and penalties for failure to maintain our service level

standards

• Our uptime for all managed terminals for the past 36 months is 99%

Service level agreements

• Relocations are performed for all managed ATM portfolios

• Requests are accommodated with one week’s notice

• Cutting edge wireless communication solutions offer fast relocations with minimal service

interruption

Terminal relocation services

• Features ATM Manager Pro software and S-Wave software for analysis of real-time and

historical data to forecast cash needs

• Cash level reports are reviewed daily, and e-runs are ordered when cash levels will adversely

affect uptime requirements

Cash management solutions


• ATMs are labeled with the toll-free Help Desk number

• Innovative technologies and integrated Help Desk Support with service partners such as

Solvport offer the highest levels of 24-hour live support

• Service includes generous access to an in-house master technician

The Uptime Help Desk

• The ATM Uptime Service Console spotlights potential terminal service issues even before they

have been observed on-site

• Snapshot offers easy access to real-time transaction information, important service level

statistics, and cash management operations, all from a single application

• Service Reports retrieve complex reporting information on demand

• The Dashboard provides a snapshot of the overall health and status of the ATM fleet at a

glance

• Graphic charts and key benchmarks summarize monitored service level statistics, allowing for

swift diagnosis and resolution

Innovative monitoring technologies, processes and reports


• Currently all transactions are processed through RBS Worldpay and CDS

• Exploring alternate delivery solutions and methodologies

• Innovative technologies provide seamless reporting

• Standard ATM Portfolio reports can include availability analysis, performance assessments,

cash forecasting, transactions by day and monthly transaction reporting

Monitoring resources


• A read-only, real-time view into all your managed ATM placements using the Uptime Service

Console program

• A monthly transaction report is included with all settlement statements

• More detailed reports may be pulled from the Service Console program by bank or upon

request

• ATM USA will work to provide any additional reports requested

The reporting keeps everybody up-to-speed

The ATM USA Uptime Service Console

Important accountinformation isalways accessible

Tabs highlightdifferent performanceindicators withup-to-the-minute dataand help forecastproblems

Real-timemonitoringof cash levelsis a given

Informationhelps withscheduling,maintenanceand forecasting


Innovative Reporting Technology

Rows highlightusage by days

Time columnstrack usageby the hour

Alerts call outpotential historicalproblems


Innovative Reporting Technology

Breaks downaverage costs

Monitors availabilityand performanceagainst UptimeGuarantee

Detailsupcominginstall

Highlights bestperformers


• ATM USA will provide new equipment and amortize payment back over the length of the

contract

• ATM USA will supply all cash, maintenance and provide payments for all insurance and interest

expenses

• Retail Center will control all screen flows and marketing messages attached to the ATM

• ATM USA will sell equipment to Center for $1 per terminal upon renewal of 36 month service

agreement. ATM lifespan is 10-12 years

Asset ownership options

• An ATM that is bank branded traditionally outperforms an unbranded ATM

• ATM USA can brand turnkey locations within your portfolio

• Experience in partnering with FI to win bids of ATM portfolios

• FI partners can select which locations to brand to target markets of need within portfolios

• The market rate for branded ATMs ranges from $250 to $400 depending on the metro area

Make the most of your brand


• ATM USA uses Worldpay and CDS as our processors and thus can only process T-DES

transactions

• All current security levels will remain the same

• ATM USA meets all PII requirements from our data transaction providers

• File transfers between integration partners are with SFTP

• FLM/SLM partners conduct inspections for skimming devices during their regularly

scheduled visits

Fraud prevention

• Data is stored (in encrypted form) in two secure third-party data centers, located in separate

geographic locations

• Connectivity is provided by multiple providers with automatic failover capabilities

• Locations provide full physical security, including security cameras and key card access

• The network is secured with high-end redundant, automatic failover firewalls

• Fire suppression and environmental control are provided

• Automatic backup power is provided by on-site generators

ATM USA backup & disaster recovery


• Retrieval testing is performed monthly to point out any data corruption that occurs in the

backup process

• Steps are taken to fix any corruption or capture a completely new image should the corruption

be irreparable

Backup verification

• The only critical data system event to date was a failed hard drive on the primary database server

• The hard disks were protected in a RAID 5 configuration

• The system remained accessible in a slightly degraded mode until a replacement hard drive was

installed and the RAID array was rebuilt

• A backup of the critical data was immediately verified in case recovery was required

• No additional failure occurred; total time of the event was less than 24 hours

The last time backup resources were required


• Data is encrypted before it leaves ATM USA servers

• Files are encrypted using 256-bit AES encryption technology

Security is a priority

1 INTRODUCTION

Wachovia Bank is UP

• Wachovia Bank was looking at closing unprofitable off-site locations

• Loss of ATM locations put at risk profitable DDA households with

reduced convenience

• Other considerations included the risk of increased competitor

visibility and a loss of acquisition opportunity

The Challenge. In 2006 and Today

4 TESTIMONIALS

• An innovative managed bank solution called Wachovia at Work

• The solution includes FLM, SLM, cash replenishment and telecommunications services

• Other services include vault cash at less than the prime rate

The Solution. In 2006 and Today

Wachovia at Work Solution Results

• Successfully authorized more than 1,400,000 withdrawals to date

• Reduced the average net operating costs and increased profit margins

• Maintained a 99.1% ATM uptime for entire At Work Portfolio

• Increased the number of managed ATMs from 20 to 225

2 FI TRENDS 3 ATM USA MANAGED SOLUTIONS

1 INTRODUCTION 4 TESTIMONIALS2 FI TRENDS 3 ATM USA MANAGED SOLUTIONS 5 DISCUSSION

Mark KlocknerMall Managed Solutions Rep

Retail InfusionPhone: 615-265-8064

e-Mail: [email protected]

A PRESENTATION OF CAPABILITIES TO Mall BANKS ARE UP WITH ATM USA MANAGED SOLUTIONS.

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Transcript of A PRESENTATION OF CAPABILITIES TO Mall BANKS ARE UP WITH ATM USA MANAGED SOLUTIONS.