                 *** Online Electronic Banking(tm) ***

      *** Door & Modules to process checking information Online! ***

Look for our FULL page ad and information starting February 1995 in
Boardwatch Magazine!

Automated Transaction Services, Inc. opens the doors to automated Sales
and Subscriptions! Got a great new product line? Don't just show off
your wares, take the order, and do it on-line, while you sleep, eat or
play golf!  Time's Up! for your customers? Let them upgrade their
security themselves and take their payments on-line without lifting a
finger.

                 *** Is this service needed? YES! ***

In 1994 The Gallup Organization, found nearly half of all consumers
consider checks the MOST CONVENIENT way to pay for purchases; only cash
came close to matching checks in popularity.

Those consumers surveyed by Gallup reported checks were used to pay for
purchases 48% of the time; only 15% reported using checks less than 1%
of the time, while 10% said they use checks all of the time to pay for
retail purchases. Overall, Gallup found, 33% of consumers use checks
more than 25% of the time at the merchant check out.

Convenience seems to be a big draw for check writing. Of those queried
this year (1994) by Gallup's pollsters, 43% said they found it very
inconvenient when retailers do not accept personal checks; only 24% said
it was NOT inconvenient.

Do we have software to support this need for the online community? YES!

We have support for Excalibur, DOOR.SYS BBS, TBBS, Major BBS, PCBoard, 
Wildcat!, RemoteAcces, TriBBS, GAP, Renegade, KBBS, and even 
Unix/Internet/MAC Support.

RELEASED are several doors and modules for Excalibur, WildCat!, PCBoard, 
TBBS, Searchlight, FirstClass, Major BBS, RemoteAccess, TriBBS,
PowerBBS, or any DOOR.SYS BBS and ghiSynchronet.n



This service allows callers to electronically process checks from a
checking or savings account online as payment for merchandise, services,
subscriptions, etc. FULLY automated.  Full text logging of all
transactions.  Multi-node and DigiBoard compatible. Transaction data can
be sent automatically via modem using a built in communications program.
Total security protection for the transaction.

        *** DEMONSTRATION INFO - PLEASE NOTE THE FOLLOWING ***

Call via modem at:

o CHECKIT!.DLL - EXCALIBUR VERSION:  Call today: 407-275-6602. 

o TBBS VERSION:  408-267-8734 login under the name OEB DEMO password demo
  (lower case only for password) for the TBBS version.  At the Main Menu
  press 2.

gho SYNCHRONET VERSION:  502-491-1340/2487 login under the name OEB DEMO no
  password needed. Or if you want to see the full online shopping feature the
  Synchronet version offers logon to one of the above numbers as normal and
  at the main prompt type y;SHOPg.  The Synchronet Version is currently under
  beta testing and is expected to be released within 30 days.  Pre-Orders
  are being taken NOW ONLINE with option #6 from the Shopping Center menu!!!!n

o MAJOR BBS VERSION: Will be announced shortly as it is going into beta
  testing. Call 805-379-9271 to be put on the mailing list. Projected
  release date: January 1995! See announcement of software in February
  1995 Boardwatch Magazine.

o INTERNET/UNIX/MAC VERSIONS: Call 805-379-9271 for more information.

o PCBOARD VERSION:  Call 801-785-6286. Login under the name OEB DEMO with
  the password OEB.

         *** Is Online Electronic Banking(tm) Legal? YES! ***

This service is established as legal method of payment as provided in
the Uniform Commercial Code, Title 1, Section 1-201(39) and Title 3,
Sections 3-104, 3-401 and 3-403;Code of Federal Regulations, Title 12,
Chapter II, part 210; and Regulation J, Federal Reserve Bank, Part 2,
Sections 4A-201 to 4A-212. See Romani V. Harris, 255 md. 389.
gh
*** Is there PROTECTION and SAFETY to the SysOp & the consumer? YES! ***

y1.w  Processing center is regulated by the Federal Reserve. One call by a
    bank that reports fraud can freeze all accounts to the processing
    center. Processing center has direct line to the Federal Reserve has
    no interest in freezing their assets. They have a fiduciary
    responsibility.

y2.w  It is a *FELONY* to commit bank fraud. There are very stiff
    penalty's and jail time.  There are good audit trails to find any
    discrepancies. Sysops would never want to be put in the position of
    doing anything of a questionable nature. There are built in check
    and balances for large ticket items that are flagged in the system
    and voice verified.

y3.w  Processing is regulated by N.A.C.H.A. (National Automated Clearing
    House Association). There are strict guidelines and policing within
    association.

y4.w  Erroneous Debits are handled by a phone call to your bank or signing
    an affidavit at YOUR bank depending on the individual bank policy.
    You have a full 30 days from the time of your BANK STATEMENT to
    request an adjustment or credit to YOUR account. If you find
    something wrong or have a difference regarding services or product
    purchased the bank handles it similar to a credit card error.
    The bank will credit back your account and get the vendor side of
    the matter to make a determination as to who is liable for the
    charge.  FULL CONSUMER protection! If the charge was fraud you are
    credited back the debit. If it is a difference of consumer against
    vendor then it will be decided upon by the banks similar to a
    decision by a credit card company. PROTECTION for BOTH!
n
      *** What kind of accounts can I setup with A.T.S.? ***

o MERCHANT Account (paper trail):

  The best way to do business with your large-ticket sale or new or
  unfamilar customers. All transaction records and documents are on-hand
  for scrutiny and verification by operations and bookeeping staff. Do
  business as usual, just automated!

o PRODUCTION Account (paperless):

  Have a large transaction volume? Lots of repeat customers? Your ready
  to move into a Production Account with all the professional features
  you need to support high-volume business. Don't wait, automate!


               ****  Call by Voice: (805) 379-9271  ****

The Forms will be faxed or mailed to you with all the information you
will need!  You can FREQ the forms at 1:102/641 with the word OEB.
Printing utility can be FREQ'd with the name PS30.

                  Automated Transaction Services, Inc.
                      (a California Corporation)
                        2026 Bridgegate Court
                      Westlake Village, CA  91361
                        Voice: (805) 379-9271
                        Fax:   (805) 379-9772
                       Internet: ats@ibsabbs.com
                           FidoNet: 1:102/641
         WWW Home Page: http://www.gate.net/~vidwiz/ats.html

A.T.S. offers products to enhance transaction processing for all types
of business.  With 15 years management experience in the financial
industry and ten years background in banking automation, A.T.S. has the
answers now for the needs of the On-line Industry. Call us today for a
complete review of you business requirements and a solid recommendation
for automating your sales/collection activity.

A.T.S. is a *Founding Member* of The Association of Online Professionals
(AOP) and David Goldfarb serves on The Associate Membership Board of
Governers.

A.T.S. is "Building Pathways for Tomorrow's Business Through Advances in
Today's Technology"
