A PRESENTATION OF CAPABILITIES TO

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

2. Your good name. Our Uptime Guarantee. 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.

3. The ATM Uptime service leader 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 You’rein goodcompany

4. Trends in the marketplace 2 1 INTRODUCTION 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 muchmore difficult to obtain • The financial crisis is demanding a newway of doing business • The answers aren’t easy

5. A new focus 2 1 INTRODUCTION FI TRENDS • 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 customersand members as a necessary convenience.Retail partners demand them • Due to management requirements, fuel costs andmaintenance needs, ATMs are expensiveto maintain at levels of availability that reflect your good name • Outsourcing ATM management and maintenanceis an appealing option to many retailers

6. ATM USA Managed Solutions 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS • Outsourcing can increase ATM profitability with little effortor impact on operations • ATM USA provides full-service ATM Managed Solutions toretail locations of all sizes • Solution includes first line maintenance (FLM), second linemaintenance (SLM), transaction trafficking, network access,cash replenishments, cash vault services, ATM placementand on-site maintenance • Innovative technologies allow us to install and relocate terminalsin a matter of days, not months. • ATMs with high availability provide convenience to yourcustomers 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. Coon Senior Vice President andChief Information Officer Bank of Commonwealth

7. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS The details about the ATM USA Managed Solution • 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 Flexible equipment options and pass through costs • 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

8. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS The Uptime Guarantee • 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 resultin a reduction in management fee Fits just about any budget • ATM USA will be paid a monthly management fee based on the number of ATMs beingoutsourced to ATM USA • The monthly management fee is $250 per terminal How the conversion plan works • 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

9. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Approvals are a must • Send the proposed schedule to exiting vendors and operations staff • Ship all materials upon approval to the technicians assignedto complete the installations. Materials include signage, Ventuscommunication equipment, and terminal cleanup materials • Installations are only scheduled to be completed Mondaysthrough 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” Monitoring progress is essential • Monitor the process daily until completion • Send a daily report to the customer and vendors detailingthe 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 USAand the customer after the first conversion date Mary Gardner Chief Financial Officer Credit Union Member Access Company

10. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Service level agreements • 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% Terminal relocation services • 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 serviceinterruption Cash management solutions • 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 adverselyaffect uptime requirements

11. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS The Uptime Help Desk • 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 Innovative monitoring technologies, processes and reports • 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

12. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Monitoring resources • 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 The reporting keeps everybody up-to-speed • 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

13. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS The ATM USA Uptime Service Console Real-timemonitoringof cash levelsis a given Important accountinformation isalways accessible Informationhelps withscheduling,maintenanceand forecasting Tabs highlightdifferent performanceindicators withup-to-the-minute dataand help forecastproblems

14. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Innovative Reporting Technology Time columnstrack usageby the hour Rows highlightusage by days Alerts call outpotential historicalproblems

15. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Innovative Reporting Technology Breaks downaverage costs Monitors availabilityand performanceagainst UptimeGuarantee Highlights bestperformers Detailsupcominginstall

16. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Asset ownership options • 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 Make the most of your brand • 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

17. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Fraud prevention • 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 regularlyscheduled visits ATM USA backup & disaster recovery • 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

18. 3 1 INTRODUCTION 2 FI TRENDS ATM USA MANAGED SOLUTIONS Security is a priority • Data is encrypted before it leaves ATM USA servers • Files are encrypted using 256-bit AES encryption technology Backup verification • Retrieval testing is performed monthly to point out any data corruption that occurs in thebackup process • Steps are taken to fix any corruption or capture a completely new image should the corruption be irreparable The last time backup resources were required • 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

19. Wachovia Bank is UP 4 1 INTRODUCTION 2 FI TRENDS 3 ATM USA MANAGED SOLUTIONS TESTIMONIALS The Challenge. In 2006 and Today • Wachovia Bank was looking at closing unprofitable off-site locations • Loss of ATM locations put at risk profitable DDA households withreduced convenience • Other considerations included the risk of increased competitorvisibility and a loss of acquisition opportunity The Solution. In 2006 and Today • 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 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

20. 5 1 INTRODUCTION 2 FI TRENDS 3 ATM USA MANAGED SOLUTIONS 4 TESTIMONIALS DISCUSSION

21. Mark Klockner Mall Managed Solutions Rep Retail Infusion Phone: 615-265-8064 e-Mail: Mark@RetailInfusion.com