Time to Cash In on ATM Processing

Time to Cash Inon 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’800.698.0026 Ext. 1430520.844.8257 Faxsdeleve@unitedcashsolutions.com

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

800.698.0026 270.812.0197 Fax

Alan Forgione President Ext. 1410 aforgione@unitedcashsolutions.com

Stephanie DeLeve’ Vice President – Sales Ext. 1430sdeleve@unitedcashsolutions.com

David Welch Director of Tech Sup.Ext. 1412 david@unitedcashsolutions.com

Melanie Cabello Account Manager Ext. 1420 mcabello@unitedcashsolutions.com

Rachael Myott Customer Support Ext. 1440 rmyott@unitedcashsolutions.com

Scott Terchiak Tech Support Ext. 1413 sterchiak@unitedcashsolutions.com

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

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

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 .0305

• 48 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: $ 6000.00•Last Month Payment: $159.00•Equipment Type: Tidel 3100/Color•Equipment Cost: $3299.00•Accessory Cost: $199.99 (Basic)•Shipping: $319.00•Installation: $300.00

•Net ISO Commission: $1724.00

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: 180Usage Estimate x 7%

Transactions Daily: 13

Days per Month x 30

Transactions Monthly: 390

TRANSACTION REVENUESurcharge to Merchant $0.50x Transactions Monthly 390Gross Surcharge Revenue $195.0

0

EXPENSE

Supplies $9.50

Telephone $30.00

Monthly Service Fee $10.00

Leases Payment N/A

Monthly Net Surcharge Profit $145.50

CASH RETENTIONTransactions Monthly 390x $60 Average Withdrawal $8730x 20% Average Spent $1746x 33% Profit Margin $576.1

8

ATM Placement ATM Lease or Purchase

ASSUMPTIONS

Customers Daily: 180Usage Estimate x 7%Transactions Daily: 13

Days per Month x 30

Transactions Monthly: 390

TRANSACTION REVENUESurcharge $1.75x Transactions Monthly 390Gross Surcharge Revenue $682.5

0

EXPENSESupplies $9.50Telephone $30.00Monthly Service Fee $10.00Leases Payment $150.0

0Monthly Net Surcharge Profit: $483.00

CASH RETENTIONTransactions Monthly 390x $60 Average Withdrawal $8730x 20% Average Spent $1746x 33% Profit Margin $576.1

8

ISO Revenue Projections

ASSUMPTIONS

Customers Daily: 180

Usage Estimate x 7%

Transactions Daily: 13

Days per Month x 30

Transactions Monthly: 390

TRANSACTION REVENUE

Surcharge to ISO $0.50

x Transactions Monthly 390

Gross Surcharge Revenue $195.00

Annual Surcharge Revenue $2340

ATM Placement ATM Lease or Purchase

ASSUMPTIONS

Customers Daily: 180

Usage Estimate x 7%

Transactions Daily: 13

Days per Month x 30

Transactions Monthly: 390

TRANSACTION REVENUE

Surcharge $0.25

x Transactions Monthly 390

Gross Surcharge Revenue $97.50

Interchange $.30

Interchange Income $117

Total Transaction Revenue $214.50

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

800.698.0026

270.812.0197 Fax