Online Electronic Banking

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!, RemoteAccess, TriBBS, GAP, Renegade, KBBS, and even
Unix/Internet/MAC Support.

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

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.

*** WHAT DOES IT COST TO GET GOING? ***

Merchant Account Price Structure:

1. ONE time signup fee of $49.00

2. Transaction fee of 1.5% or $1.50 minimum. *DISCOUNTS* for AOP
   members as well as other associations and larger Online Systems or
   Internet Service Providers.

3. Postage and Handling charge of .50 cents for one to a million
   checks. In another words whether one check or thousands are mailed
   they are only .50 cents to cover postage and handling. Included in
   mailing is full reporting for NO extra charge.

4. NO Monthly Maintenance fee.

5. NO statement fee.

6. NO yearly renewal fee.

7. NO - NOTHING ELSE. NO HIDDEN CHARGES! YOU CAN READ THE FINE
   PRINT!<g>

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

Call via modem at:

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

o DOOR.SYS VERSION:  310-204-3249 login under the OEB DEMO
  password DEMO and follow the Menu. Full support for Wildcat!,
  PCBoard, RemoteAccess, SpitFire, TriBBS, Renegade, Searchlight,
  PowerBBS, or any door.sys supported platform.

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.

o SYNCHRONET VERSION:  502-491-1340 login under the name
  OEB DEMO no password needed. Full Baja support.

o MAJOR BBS VERSION: Call via voice at 505-293-9045.
  Prodesign will provide more information on The Midas
  FULL accounting Major BBS module. Ask for Simon Clement!

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 DEMO.

o BRAINEX/Shop Master: Call 310-275-2344. Login under the
  name OEB DEMO with no password. Brainex supports ALL
  Door.sys, Doorinfo.def, SpitFire, RemoteAccess, Wildcat!,
  PCBoard, WWIV, TriBBS, Renegade, PowerBBS, Searchlight
  and most other BBS types.

o WC-Charge 4.03: Call via modem at 610-478-1430. You can also
  Freq with the magic name CHARGE. FidoNet: 1:2607/401. This
  Door is Wildcat! specific. Automatic upgrade for Wildcat!

*** 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.

Is there PROTECTION and SAFETY to the SysOp & the consumer? YES!

1. 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.

2. 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.

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

4. 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!

*** 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
  unfamiliar customers. All transaction records and documents are
  on-hand for scrutiny and verification by operations and bookkeeping
  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
Governors.

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

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